Car Insurance for Good Drivers in Ohio

The Zebra
July 15, 2019

Car insurance for good drivers in Ohio

Many of the factors insurance companies use to set your car insurance rates lie beyond your control, including your gender, age, and location. But there are a few factors you can control if you're looking for more affordable rates.

If you're looking for affordable car insurance, try to keep your driving history clean, your credit score solid, and your monthly mileage low. Car insurance companies are willing to provide price breaks to drivers who pose the least risk. Exhibiting as little risk as possible behind the wheel can lead to lower rates.

See below example rates from top companies for low-risk customers in Ohio.

Car insurance for citation-free drivers in Ohio

One of the easiest ways to pay less for car insurance is to maintain a good driving record. Insurers see good drivers as less risky customers and assign them more affordable rates. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're citation-free, start your search for insurance with Merchants Insurance Group, with an average annual rate of $713. That comes out to $612less than the average car insurance rate for citation-free drivers in Ohio.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN OHIO
Insurance CompanyAvg. Annual Auto Insurance Rate
Merchants Insurance Group$713
USAA$775
State Farm$859
Hastings Mutual Insurance Co$862
Erie$865
Utica National Ins Group$909
Progressive$1,034
Motorists Mutual$1,036

Car insurance rates for drivers with above-average credit in Ohio

Car insurance companies reward drivers who have above-average credit. Insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is “good,” your top option for car insurance in Ohio could be Merchants Insurance Group, offering an average annual rate of $713. If your credit score is even better (in the "excellent" range), Merchants Insurance Group could be a good company with which to start your search. Merchants Insurance Group's premiums for drivers who have "excellent" credit average are $207 per year less than the typical car insurance rate for drivers with excellent credit in Ohio.

Find below a breakdown of auto insurance rates in Ohio for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN OHIO
Insurance CompanyAvg. Annual Auto Insurance Rate
Merchants Insurance Group$713
USAA$775
State Farm$859
Hastings Mutual Insurance Co$862
Erie$865
Utica National Ins Group$909
Progressive$1,034
Motorists Mutual$1,036

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN OHIO
Insurance CompanyAvg. Annual Auto Insurance Rate
Merchants Insurance Group$641
USAA$719
Erie$746
State Farm$757
Hastings Mutual Insurance Co$831
Utica National Ins Group$883
Progressive$907
Metropolitan$939

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN OHIO
Insurance CompanyAvg. Annual Auto Insurance Rate
Merchants Insurance Group$641
State Farm$669
USAA$674
Erie$707
Progressive$783
Hastings Mutual Insurance Co$793
Utica National Ins Group$828
Metropolitan$869

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Auto insurance for low-mileage drivers in Ohio

If you drive infrequently, you're less likely to get into a collision. At least that’s the logic car insurance companies use when rewarding drivers who use their cars only infrequently. If you don't exceed the threshold of 7,500 miles per year, you’re likely to save some money on auto insurance each month. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're an Ohio resident who drives less than 7,500 miles per year, consider USAA, which offers average per-year savings of $658 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN OHIO
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$667
Merchants Insurance Group$713
Erie$768
State Farm$777
Hastings Mutual Insurance Co$862
Utica National Ins Group$909
Motorists Mutual$968
Progressive$1,034

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Good driver insurance rates in Ohio — in major cities

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurers price policies by the driver’s home ZIP code, adjusting premiums for the risk presented by specific locations.

Find below a summary of car insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Akron$926$926$841$769$893
Columbus$964$964$875$800$890
Toledo$967$967$877$802$909
Cincinnati$971$971$881$805$897
Cleveland$982$982$891$815$951

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