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Who Has Cheap Auto Insurance for Teenagers in Ohio?

The words “bargain” and “insurance” really shouldn’t be used together, specifically when you are searching for the cheapest coverage for teenagers. To help control this cost, let’s open your eyes to some situations that impact insurance premiums, and come up with some ideas to cut the cost of the next policy you buy.

The vehicle requiring coverage is a large factor when trying to find the most affordable coverage for teenagers. Vehicles with more horsepower, poor passenger safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models. The table below presents coverage rates for the cheaper automobiles to insure.

Cheapest Auto Insurance Rates for Teenagers in Ohio
VehicleEstimated Cost for Full Coverage
Honda CR-V EX 2WD$1,769
Ford Escape Limited 2WD$1,790
Toyota Prius$1,935
Subaru Forester X AWD$1,943
Chevrolet Traverse LT AWD$1,935
Hyundai Tucson GLS 2WD$1,956
Ford F-150 XL Regular Cab 4WD$1,976
Kia Forte EX 4-Dr Sedan$1,986
Ford Explorer Eddie Bauer 2WD$1,976
Volkswagen Jetta SE 2.5 Station Wagon$2,061
Ford Edge SEL 2WD$2,082
Ford Focus SE 4-Dr Sedan$2,087
Chevrolet Malibu Hybrid$2,102
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Premium data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in zip code location which can alter coverage prices greatly.

Based on these rates, you can infer that vehicles like the Honda CR-V, Ford Escape, and Toyota Prius are going to be the most economical vehicles to insure for teen drivers. Auto insurance rates will trend higher just due to the fact that there is more liability exposure for teenagers, but overall those particular models will probably have the lowest insurance prices that you are likely to find.

When shopping for cheaper auto insurance for teen drivers, one of the many criteria that auto insurance companies use to determine the price of your policy is the neighborhood you call home in Ohio. More densely populated places like Youngstown, Columbus, and Cincinnati tend to pay higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The following table displays the most expensive cities in Ohio for teenagers to purchase auto insurance in.

How much does car insurance cost in Ohio?
RankCityAverage Per Year
7Cleveland Heights$1,166
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Premium amounts are estimated as vehicle location can decrease or increase premium rates considerably.

Determining which company has the cheapest auto insurance rates for teenagers will require a little more work than just picking a company at random. Every auto insurer has a different process for setting rates, so let’s rank the auto insurance companies that tend to be cheaper in Ohio.

It’s important to understand that Ohio auto insurance rates are influenced by many factors which can substantially decrease or increase the price you pay for coverage. Simply improving your credit, having a claim, or getting a ticket for careless driving can trigger rate changes that can now make some companies more affordable than others.

Best Cheap Insurance Rates for Teens

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Utica National offers some of the best car insurance rates in Ohio at around $628 per year. Erie, Allied, Frankenmuth, and Travelers would also make the list of some of the more affordable Ohio car insurance companies.

In this example, if you have coverage with Erie and switched to Utica National, you could realize an annual savings of about $33. Ohio drivers with Allied might save as much as $48 a year, and Frankenmuth insureds might cut rates by $59 a year.

To find cheap auto insurance for teenagers in Ohio, click here to start a quote or feel free to get quotes from the companies below.

Be aware that those premium estimates are averaged for all ages of drivers and types of vehicles and are not factoring in a price increase for teenagers. So the company that is best suited for you may not even be in the chart above. That underscores the importance of why you need to get rate quotes using your own driver data and vehicle information.

The diagram below shows how choosing a deductible can impact insurance prices when getting quotes for cheap insurance for teenagers. The data is based on a married male driver, comp and collision included, and no discounts are taken into consideration.

As shown above, a 50-year-old driver could lower their car insurance rates by $158 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $240 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old category, could roll back prices up to $528 every year by selecting a higher deductible. When using a larger deductible, it is necessary to have enough savings to allow you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Illustration showing the impact of accidents and violations

The common sense way to find low auto insurance prices in Ohio for teen drivers is to drive cautiously and not have accidents or get tickets. The chart below shows how violations and accident claims can raise premium costs for each age group. The rates are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of auto insurance in Ohio per year with a clean driving record and no accidents is $1,237. Get written up for two speeding tickets and the average cost hikes up to $1,646, an increase of $409 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for teenagers increases to an average of $3,345. That’s an increase of $2,108, or $176 per month, just for not keeping your driving record clean!

Find cheap auto insurance for teenagers in Ohio

It is possible to find better rates, and here are many money-saving ideas that can help you get cheaper coverage.

  • Tickets and violations raise rates
  • Better credit scores save money
  • Full coverage is expensive so only insure older vehicles for liability only
  • Increase your policy deductibles
  • Remain accident-free and save
  • Safe vehicles generally have lower rates
  • Compare rate quotes frequently

The last suggestion is particularly crucial, as was pointed out in this write-up. Rates change frequently, so don’t be afraid to buy from a different company if a lower price can be found.

Sticking with a specific company is fine, but it’s not recommended if your bullheadedness ends up costing you a lot of money. If you have a few minutes, now is a great time to shop around to find cheaper insurance for teenagers.

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