Wouldn’t life be so easy if we knew the best company that has the best insurance prices for 19 year olds? It’s just not that easy, however, as there are a ton of unknown aspects like where you live, the amount of liability coverage you want, if you want full coverage included, and how old you are, that help determine the price you have to pay. We will try to teach you about the best ways to pay less and will hopefully give you a solid foundation to find cheaper car insurance in Columbus.
Finding out which companies quote the cheapest auto insurance rates for 19 year olds will involve a little more work than just comparing a company or two. Every auto insurer has a different process to set policy rates, so we will examine the overall cheapest auto insurance companies in Columbus.
It’s important that readers know that Columbus, OH auto insurance rates are calculated based on many things which can substantially decrease or increase the cost of coverage. Getting older, increasing deductibles, or getting caught speeding can trigger rate changes that can now make some companies more affordable than others.
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Utica National generally has some of the lowest car insurance rates in Columbus at around $654 a year. This is $386 less than the average rate paid by Ohio drivers of $1,040. Frankenmuth, Erie, Allied, and Travelers also rank well as some of the most economical Columbus, OH auto insurance companies.
As shown above, if you currently have a policy with Allied and switched to Frankenmuth, you could realize savings of in the vicinity of $10. Ohio drivers with Travelers might save as much as $46 a year, and USAA policyholders might reduce prices by as much as $61 a year.
Be aware that those rates are averaged for all ages of drivers and types of vehicles and and are not calculated with an exact location for 19 year olds. So the company that fits you best may not even be in the top 33 companies in the list above. That illustrates why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
One of the many considerations that are looked at to determine the amount you pay for auto insurance is where you normally keep your vehicle in Columbus. Regions with more people or even just more weather-related claims tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The table below ranks the most costly cities in Ohio for 19 year olds to purchase a policy in. Columbus is ranked at #3 with the annual price of $1,247 for the average insured, which is approximately $104 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Youngstown | $1,247 |
| 3 | Columbus | $1,247 |
| 4 | Cleveland | $1,235 |
| 5 | Cincinnati | $1,222 |
| 6 | Cleveland Heights | $1,214 |
| 7 | Euclid | $1,175 |
| 8 | Akron | $1,169 |
| 9 | Hamilton | $1,135 |
| 10 | Dayton | $1,120 |
| 11 | Canton | $1,091 |
| 12 | Springfield | $1,072 |
| 13 | Fairfield | $1,063 |
| 14 | Newark | $1,063 |
| 15 | Kettering | $1,051 |
| 16 | Lakewood | $1,041 |
| 17 | Middletown | $1,024 |
| 18 | Mansfield | $1,022 |
| 19 | Beavercreek | $1,016 |
| 20 | Strongsville | $1,011 |
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Premium amounts are estimated as the specific zip code location can change rates significantly.
Discounts on Columbus auto insurance
Insurance companies that offer quotes for 19 year olds may provide rate discounts that could potentially reduce rates by 30% or more if you qualify for them. Larger auto insurance companies and some of their more popular discounts are shown below.
- State Farm has savings for passive restraint, safe vehicle, good driver, Drive Safe & Save, and defensive driving training.
- Esurance has discounts for multi-policy, emergency road assistance, Switch & Save, anti-lock brakes, defensive driver, and homeowner.
- Progressive may offer discounts for online signing, homeowner, online quote discount, multi-policy, multi-vehicle, and good student.
- Liberty Mutual discounts include teen driver discount, newly retired, hybrid vehicle, multi-policy, new graduate, new move discount, and multi-car.
- Auto-Owners Insurance includes discounts for teen driver, anti-lock brakes, multiple vehicles, safe vehicle, mature driver, student away at school, and good student.
- GEICO offers discounts including anti-theft, driver training, multi-policy, membership and employees, and air bags.
The chart below visualizes the comparison of insurance rates with and without discounts applied to the policy premium. Data assumes a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, homeowner, multiple policy, multiple vehicle, vehicle safety, and safe-driver discounts applied. When discounts are applied, theamount saved on auto insurance for 19 year olds is 27% or $446.
The information below illustrates how your deductible choice can impact insurance costs when getting quotes for cheap insurance for 19 year olds. The premium estimates are based on a single female driver, full coverage, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could reduce rates by $246 a year by increasing from a $100 deductible to a $500 deductible, or save $372 by using a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could drop their prices up to $548 each year by using a higher deductible. When raising deductibles, it’s a good idea to have emergency funds available to offset the extra out-of-pocket expense, which deters some people from using high deductibles.
How to find budget-friendly auto insurance for 19 year olds
It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching solutions that can help you get low-cost coverage.
- Drive attentively and avoid accidents
- Buy vehicles with five-star safety ratings
- Raise comprehensive and collision coverage deductibles
- Maintain a clean driving record
- Clean up your credit rating
- Comparison shop frequently
That final tip is particularly necessary, as we noted in this write-up. Coverage rates in Columbus fluctuate considerably, so don’t hesitate to buy from a different company if you can find a cheaper rate. Being loyal to a particular company is commendable, but it isn’t a good idea if that dedication is costing a considerable chunk of change every month. In just a couple of minutes you could compare prices to find cheaper car insurance for 19 year olds.
The agents shown below are a good start to help you decide which coverages and limits you need, as some drivers aren’t sure which coverage they need and prefer to get some professional input when shopping for the best coverage for teenage drivers. It can be difficult to find the best rates on your own, so insurance agents licensed in the state of Ohio can give you satisfaction knowing your policy gives you sufficient coverage for your assets.
To find an auto insurance agency near you, click the button at the bottom or click here to compare rates now.
Gary Bepler – State Farm Insurance Agent
3246 Noe Bixby Rd – Columbus, OH 43232 – (614) 837-4379
Danduran and Associates Insurance Agency, Inc.
1827 O Brien Rd – Columbus, OH 43228 – (614) 777-8200
Cornerstone Insurance Services
1505 Stonecreek Drive S, Suite 103 – Pickerington, OH 43147 – (614) 524-4248
Bill Alsnauer – State Farm Insurance Agent
2500 W Dublin Granville Rd – Columbus, OH 43235 – (614) 764-2411
W.E. Davis Insurance Agency
29 Frederick St – Columbus, OH 43206 – (614) 443-0533