Many people search for cheap car insurance Columbus OH or the best car insurance companies Columbus OH. And they are right because they know the importance, that why they need insurance for their vehicle. Quality and price always matter in every case. This article will help you to answer all types of insurance-related quarries. Before we properly start, let’s introduce you to auto insurance. Also, we will discuss cheap car insurance Columbus OH in our following topics. Let’s introduce you to a brief history of auto insurance and why it is necessary.
With the invention of the automobile, people came across the inevitable side effects of vehicle accidents. The rate of accidents was increasing with the passage of time. Therefore, besides personal responsibility, the need for laws to be governed by the states also came on the agenda. Massachusetts and Connecticut were the first states who created the first financial responsibilities and insurance laws. In 1925 Connecticut imposed the law that if any vehicle owner involved in a collision and sustained damages over $100. Then they must have to prove and satisfy the “financial responsibility for any claim for damages. While in the case of personal injury or death of any person, the rate will be at least $10,000. Similarly, to address the issue of an accident, Massachusetts also introduced a law. But this law was not about financial responsibility but compulsory insurance. The basic requirement was vehicle registration for automotive liability insurance. After this, other states also adopted the laws. However, the law of Auto insurance requirements varies from state to state. It is not mandatory to be followed by every person. They have the choice of whether to buy insurance or not.
A cheap auto insurance Columbus OH coverage multiple areas. The very first one is the policy of your car. The policy covers you, your family members, and another person who is driving your car with your consent. The policy provides coverage in all these cases. However, the policy is not applicable if anyone uses his vehicle for commercial purposes. Suppose you provide transportation via ride-sharing services, i.e., Uber or Lyft. Your personal auto insurance will not be applicable.
Normally the best auto insurance companies Columbus OH, cover different parts. This includes liability coverage, personal injury protection (PIP), or Medical payments. We divide the liability coverage further into two types, i.e., Bodily injury liability & Property damage liability. We are discussing it in a simple word.
The Bodily injury liability covers the cost of death or injuries if a driver is driving your car. The property damage liability offers reimbursement if your car hit a public property, utility pole or fence, etc., while the personal injury protection (PIP) or Medical payments cover medical expenses for injuries sustained by your passengers or you. However, we already conveyed that the coverage rules and regulation varies from state to state.
The basic policy of auto insurance is the damage caused by your car. It does not cover if your own car damages. In order to ensure the damage to your own car, you can adopt other optional methods. The optional coverage for personal car damage includes Collision, Comprehensive, and Glass Coverage.
If your car damage in a collision with another car or anything else, you can claim an insurance policy in the form of collision. But make sure it is not your fault. Similarly, if your vehicle damaged due to other reasons such as fire, flood, tree falling, hailing, etc., or even theft of the vehicle. It means a reason other than collision. You can claim it under the umbrella of comprehensive coverage. Glass coverage can insure your auto from the windshield. This coverage is for glass sunroofs. Side windows, rear windows, etc. So this was some basic introduction to auto insurance in Columbus OH. Now we will go further and will discuss cheap car insurance Columbus OH. There are a lot of companies that offer cheap car insurance Columbus OH. But how to decide whether they are cheap or not is still a difficult task. So some basic hints worth sharable for our viewers are listed below.
Before buying insurance, always check for whether the company offers the following or not. Some companies offer insurance in the form of property damage liability and bodily injury. But we suggest buying cheap car insurance in Columbus OH, also focus on the quality. So that you can get quality coverage at the time of need. The requirement varies from state to state. Some are compulsory, and some are optional. Always check for whether they offer for collision, Comprehensive, Personal Injury Protection (PIP), Medical Payments, Uninsured/Underinsured Motorist Coverage. Also, check for Guaranteed Auto Protection (GAP), Personal Umbrella Policy (PUP), Rental Reimbursement, Emergency Roadside Assistance, Mechanical Breakdown Insurance, Non-owner Car Insurance, Modified Car Insurance Coverage, and Windshield Coverage, etc.
Now talking about Cheap Car Insurance in Columbus OH. The residents can find the best deal for their auto insurance. Different companies offer this facility. But always try to choose the best policy and insurer for you. This all depends upon what you need. You can select the company of your choice based on your budget, level of coverage you and other personal needs. Again we suggest, wisely choose when you buy an insurance policy.
The Best Cheap Car Insurance Companies In Columbus OH
If you are looking for an insurance policy for your car in Columbus OH, you are the lucky one. It is among the list of states that offer Cheap Car Insurance policies. According to the record of 2016, there are almost 4.65 million registered vehicles in Ohio while the population growth has slowed down. Due to this, most of the drivers are middle-aged. The accident rate of middle-aged drivers is very low as compared to teenagers. Also, the average distance traveled via the vehicle is less than thirty minutes. So when the traveling time is less, ultimately, the chances of accidents will minimize. We are going to share the list of cheap auto insurance Columbus OH. Also, the mentioned companies are one of the best auto insurance companies Columbus OH. So here we go. The list we are sharing is in ascending order on the basis of the price.
| Rank | Company | Annual Payment |
| 1 | USAA | $658 |
| 2 | Geico | $695 |
| 3 | American Family | $748 |
| 4 | State Farm | $792 |
| 5 | Erie | $835 |
| 6 | Nationwide | $869 |
| 7 | Allstate | $932 |
| 8 | Esurance | $986 |
| 9 | Progressive | $1,153 |
| 10 | Travelers | $1,189 |
| 11 | Country Financial | $1,254 |
| 12 | MetLife | $1,278 |
| 13 | Safeco | $1,365 |
| 14 | Auto-Owners | $1,461 |
| 15 | Mercury | $1,489 |
| 16 | Farmers | $1,562 |
Let’s have a brief introduction about each.
- USAA
The USAA Stands for United Services Automobile Association. You are eligible to buy products and services of the company in the case if you belong to the armed forces. Either you are in service the armed forces or belongs to a veteran family. No civilian is eligible to buy the services of USAA if he never served the armed forces. The company offers Low premiums to its clients. You have Superior customer service resources. If you are currently a part of the military, it offers Added benefits for you. The company charges the lowest rate in the form of annual payments from their clients. Also, the company has many restrictions and no customize the auto policy.
- Erie
The next company after the USAA is Erie. It is among the highly ranked company such as J.D. Power, NAIC (National Association of Insurance Commissioners) Consumer Reports, and AM Best, etc. the company offer a great value of reliable coverage. It offers big discounts with bundled services. Having generous coverage for some policies and offers varied add-ons. However, some cons of the company are also listed here. The services of the company are limited up to western states. The company does not offer the facility to fill the claims online and offers a high premium. The value of the annual payment is $679.
- Geico
The value of the annual payment is $742. The company offers competitive insurance rates. And also offer different discounts and multiple coverage features. Besides all this, the company charges a higher rate for high-risk drivers. Talking about the pros. The company has an excellent financial rating. It offers multiple coverage policies and offers the facility to quote your claim online or with a mobile app. The big drawback of the company is that it works in limited states. Also, it is very difficult to find a local agent.
- American Family
American family is at NO. 4 Cheap Car Insurance Companies in Columbus OH. The value of the annual payment is $795. The company offers its services in the nineteen states. It is known for the wide array of insurance features and options. The company offers a lot of discounts and multiple insurance and coverage policy options. Besides this, a client can use its dedicated app and online feature for claim purposes.
- State Farm
State form is also among one the best auto insurance companies Columbus OH. The annual payment fee of the company is $834. The financial status of the company is quite strong and offers a wide range of discounts for safe drivers. It is also among the list of best car insurance companies Columbus OH. But one of the negative points of the company is that. The company uses non-original parts for a car claim repair.
- Nationwide
Another largest and the best insurance company is Nationwide. It experiences more than ninety years in the field of insurance. Therefore, the company has an Excellent financial stability rating. Besides car insurance, it offers many other types of coverages. Nationwide is famous for its basic insurance, multiple discounts, special features, and Basic upgrades. Like other best auto insurance companies, Columbus OH Nationwide has an online website as well as a mobile application for the claim process. The annual payment is $869. The value of the annual payment is a little bit high as compared to other cheap auto insurance Columbus OH.
- Progressive
The progressive Insurance company has excellent financial stability. The company offers multiple coverage options, discounts, and other great features. The company is offering coverage to more than twenty million clients, i.e., Drivers. Suppose you are a high-risk driver. Progressive insurance is one of the best options for you. However, if you are looking for cheap car insurance Columbus OH, Progressive might not be the best choice for you as the company charges a heavy amount of up to $945 in the form of an annual payment. Another drawback is that the prices and discounts are not uniform. The prices and discounts vary from state to state. Like other insurance companies, the company offers the service of an online quote.
- Allstate
Suppose you want access to a wide network of repair shops and agents or prefer digital tools for driving. And also, you don’t care about the annual payment cost. All state is the best option for you. Allstate is offering its services since 1931.and is one of the most popular insurance companies in the country. Besides auto insurance, Allstate offers insurance in the field of education and safety. and you can buy a home and auto insurance policy at a time. The company offers a unique type of claim coverage, i.e., protecting your auto audio system. However, charge bi-annual payment instead of an annual payment.
- MetLife
MetLife is an expensive company with an annual payment rate of $1143. However, the company also offers some unique feature coverage options and other extras. that other auto insurance companies do not offer. A variety of discounts are available for individuals as well as groups. Suppose you have a new car and want to buy rental damage coverage. MetLife is the best option to choose.
- Travelers
The next one of the best auto insurance companies Columbus OH, is Travelers. But if you are looking for cheap auto insurance Columbus OH. You might be at the wrong place. The annual payment of the company is high. If you buy a Traveler’s insurance policy, you will have to pay $1,198 in the form of an annual payment. If you have no issue with price, then the company offers Add-on packages and other coverage features. The company has a strong financial record, and you get a lot of coverage options and a wide range of discounts.
- Farmers
Farmer is the most stable company having a strong financial record. The rate of claim satisfaction is high, and we offer service in all states. The company offers premium coverage options, but various discounts are available for qualified customers. The annual payment rate is $1,254.
- Esurance
Esurance offers services in all states. The company has cutting-edge technology. All the transactions can be done online with a mobile application. The website is user-friendly. Esurance offers electronic premium payment Online quote tools. The annual payment rates are much higher. However, under certain conditions, you can get a discount. If a client buys a policy of Esurance, he/ she must have to pay $1,286 annually.
So, we discussed some of the best car insurance companies Columbus OH. Also, we compared and discussed the feature of cheap car insurance Columbus OH. Now we will move to our next topic.
Average Cost of Car Insurance In Columbus OH
Before discussing the average cost of car insurance, let’s have a brief summary of the Ohio states. We are sharing some valuable statistics. The total population of the state is 11,689,442. The length of the road in miles is 120,091. Registered vehicles in the state are 10,152,367. Most people prefer the Honda Civic as the most popular vehicle. 88% of the people have an insurance policy of any type. While the Percentage of Uninsured Motorists 12. Reported deaths due to overspeeding were 252, while drunk driving deaths were 333. Now, based on the statistics, it is very easy for us to describe the Average Cost of Car Insurance in Columbus OH. The next important factor worth sharing here is the market share of different insurance companies in the state. From the table below, we can check the market share of the best car insurance companies Columbus OH.
| S.No | Name Of The Company | Market Share |
| 1 | State Farm | 18.7% |
| 2 | Progressive | 14.8% |
| 3 | Allstate | 10.4% |
| 4 | GEICO | 7.6% |
| 5 | Nationwide | 7.2% |
| 6 | Country Financial | 5.0% |
| 7 | MetLife | 4.6% |
| 8 | Auto-Owners | 3.6% |
| 9 | USAA | 3.0% |
| 10 | American Family | 2.7% |
| 11 | Mercury | 2.5% |
| 12 | Erie | $2.3% |
| 13 | Grange Mutual | $2.1% |
| 14 | Liberty Mutual | $2.1% |
When you are looking for cheap car insurance Columbus OH, you must have a clear background as well as up-to-the-mark driving history. Depending upon your personal record, you can become eligible for discounts and other premium policies. Based on the data above, the average insurance is $798 per year. However, it depends upon the age, gender, and driving record to calculate rates for premiums. Some other factors that also play a role are vehicle type, credit score, previous coverage, marital status, as well as miles driven. So many people ask what the reason behind these factors is. Then let us guide you if you have a luxury type vehicle. Then it will be more expensive to insure than a conventional SUV or sedan. Similarly, the role of age and gender is also important. The driving experience is correlated with age. Older persons have more experience than a teenager. While about gender, females are less aggressive than males. The ratio of accidents in females is less than in males. So females pay less as compared to males.
According to the topic, The Best Cheap Car Insurance Companies in Columbus OH four companies fall under the annual payment of $800. Suppose we compare the rates with the city’s annual premium. These are 1.2% less than the average annual cost of $803 in the state of Ohio. In Columbus, drivers pay 44.3% less than the national average, which is $1,456. However, we suggest that if you are looking for the best car insurance companies Columbus OH. You must get quotes from three to four insurance companies at least. The next step is to compare their prices, coverage options, and any other additional perks or discounts. We don’t suggest going for a specific company. We have offered you the data. Now it is easy for you to decide which company is the best choice for you.
Columbus OH Auto Insurance Requirements
Buying car insurance in the state of Ohio is not mandatory. However, Ohio does require you to have a guaranteed way to pay for injuries or damages, which happen due to someone else negligence or even with your negligence. We call it the “proof of financial responsibility.” Under Ohio’s Financial Responsibility (F.R.) Law, you have many choices. Either to buy liability insurance or complete a premium package. So any person willing to buy liability car insurance, the minimum requirements for coverage are given below.
Till 1995, if you face an accident, then you have to prove whether you are insured or not. But now, according to Ohio’s F.R. law. You must have an “insurance identification card.” Of the insurance offering company. This card helps you in your liability insurance coverage that when it starts and when it expires.
Now talking about the procedure when you face an accident. If a person any kind of injury or damage due to an auto accident. He can proceed in three different ways.
- The first step is to file the claim form with his or her own insurance company. Under this condition, a person, i.e., policyholder, assumes that the loss is covered under the policy.
- The second method is to file a third-party claim directly with the at-fault driver’s insurance carrier,
- The third option is to file a personal injury lawsuit in civil court against the at-fault driver.
Similarly, if you face an accident within the jurisdiction of No-fault car insurance states. Then you must use your own car insurance coverage for the payment of medical bills and other losses. We mention No-fault states here because Ohio is surrounded by three no-fault states. i.e., Michigan, Kentucky, and Pennsylvania.
Another requirement is that a driver in Ohio has to show financial responsibility in the form of Posting collateral, buying liability car insurance, or purchasing a bond in the case of an accident. The minimum rates for liability car insurance are.
- In case of injury or death of one person: $25,000
- Multiple injuries or deaths: $50,000
- Property damage: $25,000
According to Ohio law, you will need to present your insurance I.D. card to any police. You may follow the same step for using your I.D. in Court in case of an accident.
How To Get Cheap Car Insurance Quotes In Columbus OH?
Everybody wants to save money and get something more. If you are looking for affordable car insurance quotes Columbus OH. We are sharing some valuable tips with you. While using these tips, you can get. These tips will help you to get Cheap Car Insurance Quotes in Columbus OH. Let’s start.
- Shop Around
When you are planning to buy an insurance policy, we suggest being patient in this case. Don’t take decisions rapidly. Think for a while and then decide. For this purpose, go through and study at least three to four insurance companies. Check all their products, services, premium packages, and discounts, etc. always try to select a company that is financially stable. Another thing that is worth mentioning here that some companies offer services through an agent. We suggest you don’t go for an agent. Take quotes from different companies. Don’t shop alone. Get recommendations from friends, family, and other relatives. If possible, try to talk with the representative.
- Selection and purchase of the vehicle
When you buy a used or new vehicle, first, check the insurance cost because the insurance companies charge on the parts of the vehicle. Therefore, always select a vehicle that has a low price. Following this strategy can help you with cheap car insurance.
- Maintain a clean driving record
Suppose you are not involved in any type of traffic infraction, or a collision, DUI, etc. You can easily get a policy because insurance companies use your previous record to award you a policy or not. So we suggest you follow the guidelines.
- Follow traffic laws
- If you had any drugs or alcohol, avoid driving.
- Reduce your traveling time.
- Maintain your vehicle to reduce your risk of crashing.
- Ask for Discounts
Suppose you are not involved in any type of collision or accident. Insurance companies offer discounts to such policyholders. A defensive driving course can help in getting a discount if a policyholder is young and is also a good student. Either he/ she takes a driver’s education course or is away at college without a car, He /She can also qualify for lower coverage rates.
- Work with one Insurance company.
Besides auto insurance, the same companies also other types of insurance such as property, etc. In this case, we suggest that use the same company for all your insurance needs. If you are a long-time customer of the company, you can get many discounts.
- Ask for a higher deductible.
We can define deductibles as the money we pay before kicking insurance policy kicks. You can lower your costs by requesting higher deductibles. We further explain it as if we increase the deductible amount from $300 to $600. It will help us to reduce collision and comprehensive coverage costs by 20 to 30%. Please note one thing that when you choose a higher deductible, make sure you have enough money to pay it if you have a claim.
- Ask for group Insurance.
Different Insurance companies offer reductions in policy prices if someone reaches them in case of a group plan. For example, an organization reach asks an insurance company for their group of drivers. In this case, they can get more at a low price.
Columbus OH Car Insurance For Drivers With A Good Record
Suppose you are not involved in any type of traffic infraction, or a collision, DUI, etc. You can easily get a cheap auto insurance policy. Insurance companies use your previous record to award you the policy or not. If you have a clean record and a safe driver, you are eligible to get and enjoy insurance at low rates. To get cheap auto insurance Columbus OH, we are sharing some useful tips with you. If you follow the rules, you will have a good record, and you can avail yourself of cheap car insurance in Columbus OH.
- Always follow the traffic laws. i.e., wear a seat belt, follow land and speed limits, etc.
- Don’t use a mobile phone while driving.
- If you had any drugs or alcohol, avoid driving.
- Reduce your traveling time.
- Maintain your vehicle to reduce your risk of crashing.
You can avail of cheap insurance full coverage from the companies listed below.
| Insurance Company | Full Coverage |
| Geico | $895 |
| Dairyland | $972 |
| Allstate | $1,156 |
| State Farm | $1,189 |
| Esurance | $1,243 |
| Nationwide | $1,278 |
| Progressive | $1,341 |
Columbus OH Cheap Car Insurance Quotes For Young Drivers
If we classify young drivers. These are the drivers having an age range between 20 and 25 years. For younger drivers, the insurance prices are too high because they are less experienced. And no insurance company wants to lose their money to an inexperienced person. The collision chances for young drivers are more than those of old age drivers. However some companies offer better insurance rates for young drivers, we are suggesting you a list of companies good for young drivers.
Based on different factors such as vehicle models, driving records, the rates may vary. However, it is confirmed that if you have a good driving credit record, you can get affordable car insurance quotes Columbus OH.
| Company | Annual Payment |
| American Family | $1,459 |
| Geico | $1,687 |
| Allstate | $1,741 |
| Nationwide | $1,785 |
| Esurance | $1,859 |
| Progressive | $1,962 |
| Erie | $2,187 |
| Hastings Mutual | $2,276 |
Cheapest Minimum Coverage For Young Good Drivers In Columbus OH
It is common that insurance rates for young drivers are quite high. And this is true up to some extent. Most of the companies charge a high amount from the young driver having age range between 20 to 30 year. However, if you are a young driver having a clear and clean driving record, you can get cheap insurance. Multiple companies such as Esurance, Geico, Allstate, Westfield, etc., offer low-cost policies and discounts to good young drivers. These companies have better insurance rates for young drivers. Suppose you are among good young drivers looking for cheap car insurance Columbus OH. We suggest grabbing the opportunity. The estimated rates for the companies are given below.
| Company | Annual Payment |
| Esurance | $398 |
| Geico | $472 |
| Westfield | $589 |
| Allstate | $654 |
| Nationwide | $697 |
| Progressive | $743 |
| Country Financial | $789 |
| MetLife | $895 |
Cheap Car Insurance In Columbus OH After A Speeding Ticket
In our previous topic, we studied that if you have a clean driving record, you can avail cheap insurance policy. Even if you are a teenager. If you commit an infraction, it will directly increase the cost of your car insurance policy in the state of Ohio. Different types of infractions are.
- Speeding ticket
- At-fault accident on your record
- DUI
Talking about the speeding ticket here. The speeding ticket can increase the amount you pay for car insurance. Insurance companies can check your driving record. If you have convicted more traffic violations, the chance of increases in the cost of insurance will be more.
According to the policy of the National Association of Insurance Commissioners, if a driver receives speeding tickets. He may be considered in a higher risk group and can be charged more. The average cost of auto insurance from $1,568 to $1,795, an increase of about 14%. In this case, we suggest buying State Farm full coverage insurance. Details of other companies are also available in the table.
| Company | Annual Payment |
| State Farm | $1,197 |
| Geico | $1,265 |
| Esurance | $1,289 |
| Nationwide | $1,348 |
| Allstate | $1,397 |
| Westfield | $1,435 |
| Allstate | $1,487 |
| Travelers | $1,572 |
Cheap Car Insurance In Columbus OH After A Car Accident
As discussed, three types of violations can cause an increase in your insurance cost. At-fault accident on your record is another factor after the speeding ticket. When you commit an accident. Your car or any type of vehicle insurance cost depends on the rating that your insurance company calculates. And your rate might increase a little bit. Two companies in Ohio offer cheap rates. The first one is USAA and the second is State Farm. USAA is not available for everyone. If you belong to the military, you can go for USAA. Otherwise, the State farm is the only solution. State farm offers the most affordable and competitive car insurance options. However, you can check the services of Nationwide. They are also worth considering. These companies offer cheap and affordable car insurance quotes Columbus OH, while having an accident in their driving record. Together, the three cheapest insurers average $1,564, or 31% less than the state average of $2,203. We suggest checking out the rates of other companies also.
| Company | Average Rate |
| State Farm | $1,285 |
| Nationwide | $1,392 |
| Westfield | $1,475 |
| Esurance | $1,689 |
| Geico | $1,742 |
| Allstate | $1,861 |
| Country Financial | $1,958 |
| Progressive | $2,185 |
| Grange | $2,482 |
| MetLife | $2,691 |
Cheap Auto Insurance Quotes In Columbus OH After A DUI
The third type of infraction is a DUI. There is a difference of thousands of dollars for a person with and without a DUI. Hence, getting a DUI can result in a steep increase in your car insurance premium. Some of the companies can even terminate you from their list. According to the list, two companies offer a quite low rate even if a driver convict of DUI. Which are American family and Progressive. So we suggest improving your driving record by avoiding a DUI. As a result, you can save hundreds or even thousands of dollars on car insurance.
| Company | Annual Payment |
| American Family | $1,389 |
| Progressive | $1,463 |
| State Farm | $1,529 |
| Nationwide | $1,568 |
| Allstate | $1,685 |
| Geico | $1,837 |
| MetLife | $2,254 |
| Erie | $2,362 |
Cheap Auto Insurance Quotes In Columbus OH For Minimum Coverage
If you’re looking for the cheapest insurance quotes, you can get them. However, as conveyed earlier, you will need a clean driving record. We have already mentioned the data of companies that offer full coverage insurance. If we compare the data of the companies, three companies in Ohio offer the cheapest insurance quotes. Three companies, i.e., Westfield, State Farm, and Geico offer cheap full coverage. The minimum coverage of Westfield is 435 per year. In comparison, the average rate is $548 for Ohio State. Similarly, the state for coverage is 410, and Geico is $489. In comparison, the average Liability quotes of the three mentioned companies are $422.
| Company | Average Rate |
| Westfield | $435 |
| State Farm | $462 |
| Geico | $489 |
| Nationwide | $546 |
| Country Financial | $589 |
| Erie | $627 |
| MetLife | $689 |
| Grange | $734 |
| Progressive | $768 |
| Allstate | $814 |
Cheap Car Insurance Companies In Columbus OH For Drivers With Bad Credit Score
In this article, we emphasized so many times good and clean driving records. Insurance companies collect your record and measure it in the form of credit score. If you have a clean driving record or a good credit score, you can avail yourself cheap insurance policy even if you are a teenager if you commit an infraction, either by committing At-Fault Accident, Speeding Ticket, or DUI. This will increase the cost of your car insurance policy in the state of Ohio. However, there is one thing clear that Your credit score does not affect your ability to drive. Before we analyze bad credit scores, we know that a driver having a good record can avail of cheap car insurance Columbus OH in $1,120 average value. While drivers having bad credit scores will have to pay an average of $2,125 annually. Which is almost double that of the rate of good credit score. In this case, we Suggest Geico as one of the best insurance companies for drivers having a bad credit score. The annual payment of Geico is $1,259 annually, which is almost $105 monthly. While if we check out the next company, that is State Farm. The annual payment of State Farm is $1,389 and $116 per month. The difference in the annual cost of the two companies is almost 200 dollars.
| Insurer | Annual Cost |
| Geico | $1,259 |
| State Farm | $1,389 |
| Allstate | $1,527 |
| Progressive | $1,579 |
| Nationwide | $1,658 |
| Esurance | $1,835 |
| Ohio average | $2,125 |
Cheapest Car Insurance Companies In Columbus OH for Seniors
Senior people have more driving experience as compared to young people. Senior people are at the mature stage of life. Therefore, the insurance companies do not hesitate to award them a Cheap insurance policy. We discuss the best auto insurance companies Columbus OH as well as cheap rates. The state of Ohio has specific laws for senior citizens. Such as if they have an age above 65 years. They will renew their Driving license for four years while visiting the office in person. Similarly, they have to pass the vision test. Suppose you are an ex-Army member. The USAA offers the lowest cost of insurance for seniors. And if you are a civilian, Erie is the best option for you. On the other hand, according to the report of the National Highway Traffic Safety Administration. 19% of accidents were caused due to senior citizens having an age of more than 65 years. So sometimes, insurance companies hesitate to award policy to senior citizens. Besides GEICO, AAA, Progressive, and AARP offer cheap car insurance for senior citizens.
| Company | Annual Payment |
| USAA | $587 |
| Erie | $658 |
| State Farm | $743 |
| Geico | $786 |
| American Family | $827 |
| AAA | $875 |
| Progressive | $934 |
| AARP | $987 |
Who Offers a Cheap Car Insurance In Columbus OH For Married Couples?
Marital status plays an important role in getting car insurance. The newly married couple are less prone to accidents. And the chances of collision and car accidents are low as compared to divorced and widowed people. The average insurance rate of insurance is 1,589 in the state of Ohio.
The best auto insurance company for a married couple is Geico. The annual rate of Geico is $1,289 annually or $108 per month. While other companies such as State Farm, Nationwide offer competitively cheap car insurance for married couples. The rates of these companies are below the average annual payment of Ohio. Please check the details below.
| Insurer | Annual Cost | Monthly cost |
| Geico | $1,289 | $108 |
| State Farm | $1,345 | $113 |
| Nationwide | $1,397 | $117 |
| Progressive | $1,435 | $120 |
| Country Financial | $1,461 | $122 |
| Esurance | $1,487 | $124 |
| Ohio average | $1,589 | $133 |
What Are the Different Types of Columbus OH Auto Insurance Coverage?
In this topic, we will discuss different types of Auto Insurance in Columbus OH. Different types of insurance are liability coverage, Collision coverage, uninsured and underinsured motorist coverage, Comprehensive coverage, Personal injury protection (PIP). However, the rates depend upon the Place, Venue, Age, marital status, etc. We will briefly explain each type of coverage.
- Liability Coverage:
This type of insurance protects the policyholder during an accident when he/ she is at At-fault. We can divide liability coverage into two parts. i.e., Bodily injury liability and property damage liability. Most of the state requires this type of insurance by law.
- Bodily injury liability: this type of insurance is related to another person’s injuries if you cause an accident.
- Property damage liability: If you hit another person’s property. This type of insurance can help you to pay for the damages to another person’s property.
2. Collision coverage
Collision coverage is the second type of car insurance coverage. This type of insurance protects you against collisions and covers your car repair expenses for your car. Collision coverage has the property that if you face an accident. In comparison, the repair cost of your car is more than the value of your car. Your insurance company is liable to pay you the cost of your vehicle. Sometimes we call it New Car Replacement. Suppose you have a relatively new or an expensive car. You can buy a policy of Collision coverage, however, if have a comparatively less expensive or old car. We discourage it for old cars.
3. Uninsured and underinsured motorist coverage
Another type of insurance in the state of Ohio is Uninsured and underinsured motorist coverage. This type states that If a driver hits you and the driver doesn’t have insurance. You can claim your medical bills or even Repair bills using uninsured motorist coverage similarly, If a person hit you while his vehicle has an insurance policy, but the liability limit is not enough for covering your expenses. Then underinsured motorist coverage may help you to claim your medical bills.
4. Comprehensive coverage
Comprehensive coverage covers the situation where no human mistake is involved in the accident. An example of this type of coverage is a tree falling on your vehicle, Hitting a deer, Car damage due to hail or storm, etc. Most people do not buy this policy. However, if you have some extra money in the budget and consider yourself risk-averse. Then we suggest going for it.
5. Personal injury protection
Personal injury protection is a valuable protection type of insurance. Suppose you face injury in a car accident. This type of insurance covers all your medical bills. It does not matter who is the party at fault. You can claim the Liability. Everybody needs safety. Therefore this type of insurance is necessary. You can claim up to 80 % using the Personal Injury protection policy.
6. Major Parts Replacement Coverage
This type of coverage can help you to replace major parts like brakes, tires, and batteries without any charges. No depreciation value calculation and other factors will be counted at the time of the accident.
7. Gap insurance
The value of a vehicle does not remain constant. But with the passage of time, the value can depreciate. Gap insurance can help policyholders to cover the amount owed on loan after If the vehicle is damaged or lost completely.
8. Rental reimbursement insurance
If you have rental reimbursement insurance, and you lost your car for any reason, i.e., accident, etc. This coverage will help you to pay for a rental car.
9. Roadside Assistance
Suppose you want to receive roadside assistance. We suggest signing up for a basic or premium Roadside Assistance package. You can receive flat tire service, extended towing, and much more facilities on the subscription of this policy.
Is Columbus OH Auto Insurance A No-Fault City?
Many people ask the question that whether Columbus OH Auto Insurance a No-Fault City? Let’s answer the question. Actually, the answer is “NO.” Columbus Ohio, is a “fault “car city. Mean that if an accident happens, a driver will be required to demonstrate their financial responsibility for the accident caused. Financial responsibility means that the driver at fault will have to pay for injuries, vehicle damage, and other losses. When you face an accident, the following procedure can be followed. If a person any kind of injury or damage due to an auto accident. He can proceed in three different ways.
- The first step is to file the claim form with his or her own insurance company. Under this condition, a person, i.e., policyholder, assumes that the loss is covered under the policy.
- The second method is to file a third-party claim directly with the at-fault driver’s insurance carrier,
- The third option is to file a personal injury lawsuit in civil court against the at-fault driver.
Similarly, if you face an accident within the jurisdiction of No-fault car insurance states. Then you must use your own car insurance coverage for the payment of medical bills and other losses. We mention No-fault states here because Ohio is surrounded by three no-fault states. i.e., Michigan, Kentucky, and Pennsylvania.
Ways To Reduced Rates In Columbus OH Car Insurance
Getting cheap car insurance Columbus OH is not an easy task. The best car insurance companies Columbus OH, charge a hefty amount in the form of different insurance coverages. Besides two or three companies, the annual payment amount is more than one thousand dollars. And if your driving record is not up to the mark. Like you have been convicted of a speeding ticket, At-fault accident, or DUI. The amount may go beyond two thousand dollars. However, there are ways to reduce insurance rates. We can reduce our insurance rates if we follow the points below.
- Before buying a policy, shop around compare three to four companies’ packages.
- Always try to increase deductibles.
- Another point is to make full payment of your car insurance policy.
- Try usage-based car insurance.
- Keep your driving record clean, and monitor prices change accordingly.
Good Drivers Car Insurance Discounts In Columbus OH
In Ohio, good drivers always deserve something special. If a policyholder of any insurance company meets the specific requirements. He is a good driver and is eligible for a reward. This reward will be in the form of discounts on auto insurance premiums. Some basic requirements for a good driver are.
- At least 21 years of age
- Five years verified licensed-based experience.
- No speed violation, at-fault accident, and DUI in the 5-year duration by him/her.
- Membership discount
A good driver can get discounts on 800+ partner organizations’ membership.
- Ohio Good Student Discount
The best car insurance companies Columbus OH, offer student discounts. If a school, college, a university student of age 16 to 24 years is a good driver. And achieve more than 3.0 GPA, upper 20 % class, or Maintain position on Dean’s List. He is eligible for a Good student discount.
Besides this cheap car insurance, Columbus OH, also offer discounts for
- Anti-theft
- Ownership/title
- Safety features
- Multi-car
Frequently Asked Questions (FAQ)
Q: Will my car insurance rates automatically drop as my profile changes?
A: Depending upon the insurance service providing company. As inflation rules are effective. It depends that what type of changes you need. Such as getting married have a certain effect on your profile. While if you commit a speed violation, At-fault accident, or DUI. Then the effect is inverse. So it always depends upon the type of change.
Q: Do I still need car insurance if I don’t drive my car or I’ve sold it?
A: Two options are there. If your car is parked and you are not driving. Then you can switch to other types of insurances. If you have rent out your car, then Liability and comprehensive insurance are enough. Now the second case, if You have sold out your car, then there is no need for insurance.
Q: How Car Insurance Works in Columbus OH?
A: You have to answer the questions.
- What are your age, Marital status, and occupation?
- Where do you live and from where you belong?
- What type of car do you have? And miles are driven?
- Your driving license and driving history?
- Who else will drive your car?
Q: Will my personal auto policy cover business use?
A: Personal auto policy cannot be used for business purposes.
Q: What coverages do you want on your policy?
A: It is completely dependent on you. What type of coverage do you want to buy? You can select a coverage according to your budget. A lot of affordable car insurance quotes Columbus OH are available.
Q: Are There Any Vehicles That Need Special Insurance?
A: Yes. A standard auto insurance policy is only applicable for specific vehicles. It will not apply to commercial trucks, motorcycles, and recreational vehicles. These types of vehicles require a special type of insurance.
Q: What is the most common way to purchase automobile insurance?
A: you can buy an insurance policy in three different ways—Independent agent, Captive Insurance Agent, and direct from insurance Company.
Q: Will buying winter tires help me get cheap car insurance?
A: Although winter tires help in decreasing the ratio of an accident in snowy areas. But it is not enough to get cheap car insurance through it.
Q: Have You Made Other Damage Claims Other Than an Accident?
A: Yes. But only after those two break-ins. Insurance companies keep a record of every claim that a client makes. Based on this, the insurance companies mark a person as a bad risk.
