What Auto Insurance is Cheapest for a Learners Permit in Cincinnati?

Wouldn’t it be perfect if we could tell you instantly the one perfect company that has the best deal on coverage for a learners permit? Unfortunately, it’s just not that easy, as there are a ton of unknown aspects such as how many years you have been driving, your gender, what coverage limits you need, and if you own or rent your home, that all have an effect on the price of a policy. This article will cover the best ways to save on auto insurance and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance.

One of the many considerations that aid in calculating auto insurance rates is your zip code. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The following table lists the most expensive cities in Ohio for a learners permit in which to purchase auto insurance. Cincinnati ranks #5 with an annual cost of $1,186 for the average policy, which is approximately $99 monthly.

How much is auto insurance in Cincinnati, OH?
Rank City Annual Premium
1 Youngstown $1,285
2 Toledo $1,279
3 Cleveland $1,235
4 Columbus $1,235
5 Cincinnati $1,186
6 Euclid $1,175
7 Cleveland Heights $1,166
8 Akron $1,135
9 Hamilton $1,113
10 Dayton $1,108
11 Springfield $1,105
12 Canton $1,091
13 Fairfield $1,085
14 Lakewood $1,073
15 Newark $1,063
16 Kettering $1,051
17 Parma $1,037
18 Middletown $1,035
19 Beavercreek $1,016
20 Strongsville $1,011
21 Lorain $1,005
22 Mansfield $1,002
23 Cuyahoga Falls $997
24 Mentor $988
25 Elyria $965
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Premium costs are comparative as the garaging address in Cincinnati can impact coverage prices substantially.

The type of vehicle you are trying to insure is one of the biggest factors when shopping for cheaper insurance for a learners permit. Vehicles with high performance engines, a lack of safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The information below ranks coverage premiums for a handful of the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure in Cincinnati, OH
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $5,229
Hyundai Elantra GLS Touring Station Wagon $5,239
Honda CR-V LX 4WD $5,229
Ford Escape XLT 4WD $5,278
Toyota Prius $5,651
Ford Edge SE 2WD $5,832
Ford Explorer XLT 4WD $5,881
Ford F-150 XLT Super Cab 2WD $5,889
Toyota Tacoma 2WD $6,153
Chevrolet Impala LT $6,202
Toyota RAV4 Limited 4WD $6,207
Toyota Camry LE $6,202
Dodge Grand Caravan Crew $6,253
Chevrolet Malibu LT $6,258
Ford Focus SEL 4-Dr Sedan $6,474
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Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in vehicle location which can decrease or increase premium rates substantially.

Looking at the numbers, you can figure that makes and models like the Honda Accord, Hyundai Elantra, and Honda CR-V will definitely be the cheapest vehicles to insure for new drivers. Rates will tend to be more expensive because there is more liability exposure for a learners permit, but in general those models will probably have the cheapest car insurance rates available.

The example below demonstrates how choosing different deductibles can impact annual premium costs when trying to find cheap insurance for a learners permit. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are applied.

The chart above illustrates that a 50-year-old driver could lower their policy premium by $178 a year by changing from a $100 deductible up to a $500 deductible, or save $272 by switching to a $1,000 deductible. Young drivers, such as the Age 20 example, could drop their prices $456 every year by choosing a higher deductible.

If you do decide to increase your deductibles, it will now be necessary to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Which insurance company is best in Cincinnati?

Picking a good quality insurance provider is hard considering how many companies sell coverage in Ohio. The company rank data displayed below can help you decide which car insurance companies to look at purchasing from.

The rankings below are for large, nationwide insurance companies, so companies that have a smaller presence are not taken into consideration for the list. To compare price quotes and find the cheapest rates for a learners permit, click here.

Best Insurance Companies for a Learners Permit in Ohio
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Why you should be shopping around

Ohio insurance rates are calculated based on many things which can substantially change the price of your policy. Simply having another birthday, buying a different vehicle, or getting a reckless driving citation can trigger changes in premium that can cause some rates to be cheaper than others. Not only may things change on your end, but insurance companies file new Ohio car insurance rates every year or even multiple times each year in order to protect their financial rating. Significantly higher losses may cause price increases, while lower claims can result in cheaper Cincinnati car insurance rates.

As an example, the graph below shows which company has the cheapest car insurance in Cincinnati, OH for a 40-year-old male driver with no prior accidents, a clean driving record, and a decent credit rating. When quoting prices based on his current situation, Utica National offers the most affordable car insurance rates in Cincinnati at $769 annually. This is $271 less than the average premium paid by Ohio drivers of $1,040. Allied, Erie, Frankenmuth, and Travelers are also included in the cheapest Cincinnati, OH auto insurance companies.

The example below compares rates after we give the driver from the above example a claim, a little lower credit rating, and a couple of points charged on his driving record. Since each company has a different formula to determine rates, analyzing rate quotes may result in a completely different list of affordable companies as shown below.

Merchants Insurance Group now has the cheapest insurance rate in Cincinnati with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty also having competitive pricing. This demonstrates why it is critical to compare as many rates as possible to get the most budget-friendly car insurance rates for a learners permit.

Insurance rates are impacted by many different factors and change substantially, so the most economical company three years ago may now be costing you a lot of money.

The Cincinnati, OH, insurance agents below can help you decide which is the best policy, since some drivers wish to get some professional input when comparing insurance rates for new drivers. It can be difficult to find the best policy on your own, so getting advice from a licensed agent can add peace of mind knowing you have sufficient protection if you have a claim.

To find a Cincinnati insurance agent by location nearest to you, click the link at the bottom or click here to compare price quotes now.

More insurance agents in Cincinnati, OH