You have most likely seen the captivating ads from car insurance companies like The General and GEICO that make promises of the cheapest price. So you just need to pick the company with the cutest commercial, right?
Unfortunately, it’s just not that easy, as there are a whole bunch of unknown aspects like your financial stability, your date of birth, tickets or driving violations, and the crime level of your neighborhood. The information below covers the different scenarios that increase car insurance cost and will hopefully give you some help in finding cheaper rates.
The make and model of vehicle needing coverage is a large consideration when looking for low-priced insurance with multiple speeding tickets. Vehicles with limited speed and performance, advanced safety features, or a low likelihood of liability claims will cost quite a bit less to insure than fast, unsafe models.
The list below outlines coverage costs for some of the cheaper vehicles to insure in Ohio.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $1,549 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,660 |
| Honda CR-V EX-L 4WD | $1,677 |
| Toyota Tacoma 4WD | $1,695 |
| Ford Explorer XLT AWD | $1,701 |
| Ford Edge SEL AWD | $1,759 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,788 |
| Toyota Prius | $1,793 |
| Ford Focus SES 4-Dr Sedan | $1,857 |
| Chevrolet Impala LS | $1,862 |
| Toyota Camry XLE | $1,891 |
| Dodge Grand Caravan Hero | $1,901 |
| Toyota RAV4 2WD | $1,907 |
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Cost estimates assume married male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific garaging location which can raise or lower coverage rates considerably.
Looking at the numbers, makes and models like the Ford Escape, Chevrolet Silverado, and Honda CR-V are going to be the most budget-friendly vehicles to insure after a few driving violations.
After a few driving violations, one of the more important components that are looked at to determine the price you pay for insurance is where your residence is in Columbus. Areas with more people or even just a higher incidence of claims will most likely pay more, whereas more rural areas benefit from lower rates.
The table below rates the most expensive cities in Ohio with multiple speeding tickets in which to purchase auto insurance. Columbus shows up at #5 with an annual premium of $1,199 for the average insurance policy, which is around $100 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Youngstown | $1,285 |
| 2 | Toledo | $1,279 |
| 3 | Cleveland | $1,272 |
| 4 | Cincinnati | $1,222 |
| 5 | Columbus | $1,199 |
| 6 | Euclid | $1,175 |
| 7 | Cleveland Heights | $1,166 |
| 8 | Dayton | $1,142 |
| 9 | Akron | $1,123 |
| 10 | Hamilton | $1,102 |
| 11 | Canton | $1,069 |
| 12 | Middletown | $1,066 |
| 13 | Newark | $1,063 |
| 14 | Lakewood | $1,063 |
| 15 | Springfield | $1,061 |
| 16 | Fairfield | $1,053 |
| 17 | Kettering | $1,051 |
| 18 | Beavercreek | $1,047 |
| 19 | Strongsville | $1,041 |
| 20 | Mansfield | $1,032 |
| 21 | Lorain | $1,015 |
| 22 | Parma | $1,007 |
| 23 | Cuyahoga Falls | $1,007 |
| 24 | Mentor | $988 |
| 25 | Elyria | $965 |
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Rates are estimated as zip code location can revise premium rates substantially.
Get discounts on Columbus car insurance
Insurance providers that provide policies with multiple speeding tickets may have price discounts that could reduce prices by 25% or more if you are eligible to receive them. A few popular companies and a partial list of their discounts include:
- Progressive policyholders can earn discounts including multi-policy, online signing, good student, continuous coverage, and online quote discount.
- MetLife offers discounts including claim-free, multi-policy, good driver, good student, and defensive driver.
- Mercury Insurance may include discounts for accident-free, age of vehicle, anti-theft, location of vehicle, and type of vehicle.
- Nationwide may have discounts that include multi-policy, easy pay, Farm Bureau membership, family plan, good student, and accident-free.
- GEICO offers premium reductions for anti-theft, federal employee, seat belt use, multi-vehicle, five-year accident-free, and multi-policy.
- AAA may offer discounts for good student, education and occupation, good driver, anti-theft, pay-in-full, multi-policy, and multi-car.
The diagram below shows the comparison of car insurance rates with and without discounts applied to the rates. The premiums are based on a female driver, three violations and no accidents, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with paid-in-full, passive restraint, paperless filing, multiple policy, multiple vehicle, and anti-theft discounts applied. In this example, theaverage yearly reduction on car insurance with multiple speeding tickets is 28% or $417.
Buying coverage from the best car insurance company is difficult considering how many choices drivers have in Ohio. The ranking data shown next may help you choose which car insurance companies to look at to insure your vehicles. These ratings only include large nationwide companies, so companies that may only write in Ohio are not factored into this list.
Top 10 Major Auto Insurance Companies in Columbus Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
Top 10 Major Auto Insurance Companies in Columbus Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Erie Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
Responsible drivers pay cheaper Columbus car insurance rates
One of the best ways to earn low car insurance rates after a few driving violations is to drive carefully and avoid at-fault accidents and violations. The example below shows how traffic citations and at-fault collisions can raise insurance rates for each different age group. The rates are based on a single female driver, full coverage, $500 deductibles, and no discounts are factored in.
The data above shows the average cost of a car insurance policy in Columbus per year with no accidents or violations is $1,367. Add in one speeding ticket and the average cost increases to $1,550, an increase of $183 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance with multiple speeding tickets jumps again to an average of $3,199. That’s an increase of $1,833, or $153 per month, just for not being more responsible behind the wheel!
You are probably paying too much for car insurance
Columbus car insurance rates are influenced by many factors which can significantly increase or decrease the policy price. Turning one year older, becoming a homeowner, or having an accident can trigger price changes that can cause some rates to be more affordable than the competition.
Also, car insurance companies file new Ohio auto insurance rates multiple times each year to adjust for unexpected claims or profits. Higher than normal claims can cause high rates, while lower claim expenses can cause lower-priced Columbus car insurance rates.
To help illustrate this point, the chart below demonstrates which company has the cheapest car insurance in Columbus, OH for a 35-year-old male driver with no violations or accidents, and great credit. When quoting prices based on his current situation, Utica National might quote the cheapest car insurance rates in Columbus at $804 per year. This is $236 less than the average premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and USAA are also on the list of the top five cheapest Columbus, OH auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a chargeable claim, less-than-perfect credit, and a blemish on his driving record. Because each insurer uses their own method to set policy rates, analyzing rate quotes will most likely result in a new list of affordable companies as shown below.
Merchants Insurance Group now has the lowest car insurance rate in Columbus, OH with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual also having competitive pricing. This illustrates why it is so important to take the time to shop around to get the lowest auto insurance rates with multiple speeding tickets.
Auto insurance prices are calculated by many different factors and change substantially, so the best company the last time you checked may now not even be in the top five.