Who Has Cheap Cincinnati Auto Insurance for State Employees?

Buying cost effective car insurance is not the easiest thing to do, and determining which companies have the most affordable auto insurance rates for state employees may require a little more work. Every insurance company has a unique approach for determining prices, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Ohio.

We do need to point out that Ohio auto insurance rates are based on many factors that may substantially change the price of coverage. Turning one year older, buying higher coverage limits, or getting a few speeding tickets may cause policy rate changes that can cause some rates to be higher-priced than the competition.

Lowest Insurance Price Quotes in Ohio

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Cheapest Ohio car insurance ranked by price
Rank Company Cost Per Year
1 Utica National $635
2 Erie $681
3 Allied $697
4 Frankenmuth $701
5 Travelers $705
6 USAA $741
7 Merchants Insurance Group $771
8 Cincinnati Insurance $772
9 Motorists Mutual $800
10 General Casualty $813
11 Grange Mutual $836
12 Central Mutual $848
13 State Farm $867
14 Hastings Mutual $884
15 Atlantic States $904
16 Westfield $908
17 Auto-Owners $958
18 Progressive $962
19 Western Reserve $970
20 Nationwide $998
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Utica National has some of the cheapest car insurance rates in Cincinnati at around $635 a year. This is $405 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also make the cut as some of the best Cincinnati, OH car insurance companies.

In the above rates, if you currently have a policy with Frankenmuth and switched to Erie, you may realize savings of around $20. Drivers with Travelers could save as much as $24 a year, and USAA customers might see rate reductions of $60 a year.

Be aware that those rates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact location for state employees. So the company that fits your needs best may not even be in the top 33 companies shown above. That’s why you need to quote rates from many companies using your own personal information and vehicle type.

The vehicle model you are buying coverage for is a significant factor when shopping for low-priced coverage for state employees. Vehicles with lower acceleration and performance, modern passenger safety features, or a track record of few liability claims will cost substantially less to insure than high performance models.

The table below illustrates car insurance premiums for the most budget-friendly automobiles to insure in Ohio.

Cheapest Vehicles to Insure in Cincinnati, OH
Make and Model Estimated Cost for Full Coverage
Dodge Grand Caravan SXT $1,380
Ford Explorer Limited 2WD $1,390
Ford Focus SES 4-Dr Sedan $1,397
Honda CR-V LX 2WD $1,404
Ford Escape Limited 2WD $1,436
Nissan Rogue S 2WD $1,448
Jeep Grand Cherokee SRT-8 4WD $1,450
Volkswagen Jetta SEL 4-Dr Sedan $1,455
Ford F-150 Lariat Crew Cab Harley 4WD $1,477
GMC Sierra 3500HD SLE Extended Cab 2WD $1,485
Ford Edge SEL 2WD $1,521
GMC Sierra 2500HD SLT Extended Cab 4WD $1,530
Toyota Camry Hybrid $1,545
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in Cincinnati, OH location which can alter premiums substantially.

Looking at the data, you can figure that cars like the Dodge Grand Caravan, Ford Explorer, Ford Focus, Honda CR-V, and Ford Escape will be some of the more affordable vehicles to insure for state workers.

Full coverage versus liability-only

Buying cheaper auto insurance should be important to most drivers, and an effective way to find cheap insurance for state employees is to not buy full coverage. The chart below shows the comparison of insurance premiums with and without physical damage coverage. The price estimates are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no additional discounts are factored in.

If the expense is averaged for all age categories, full coverage on your policy costs $961 per year more than just buying liability only. That proposes the question if you should buy full coverage. There is no definitive rule to exclude comp and collision coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

There are some conditions where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Insuring your vehicle with the highest-rated insurer can be a challenge considering how many different companies sell coverage in Ohio. The ranking data shown below can help you select which car insurance providers you want to consider when trying to find the cheapest insurance for state employees. The rankings below only include the largest auto insurers in America, so smaller regional companies are not included in this list.

Top 15 Auto Insurance Companies for State Employees in Cincinnati, OH
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
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Data Source: Insure.com Best Car Insurance Companies

Are you paying too much for car insurance in Cincinnati?

Cincinnati, OH auto insurance rates are impacted by many factors that will increase or decrease the cost of coverage. Turning one year older, having a teen driver, or getting a few speeding tickets may generate price changes resulting in some rates now being affordable when they were higher priced. And not only may your rating factors change, but car insurance companies amend pricing as often as every three months to adjust for unexpected claims or profits. Heavy losses can result in higher priced premiums, while profitable underwriting may result in more affordable Cincinnati car insurance rates.

The graph below compares the cheapest car insurance in Cincinnati, OH for a 30-year-old male driver with no accidents or violations, and a good credit history. If we estimate prices based on his personal profile, Utica National quotes the cheapest car insurance rates in Cincinnati at $762 each year. This is $278 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and USAA are the remainder of the top five cheapest Cincinnati, OH auto insurance companies.

Now we will pretend the driver from the first example some claims, a lower credit rating, and a traffic ticket or two. Due to the fact that every auto insurer has their own guidelines for establishing rates, getting updated rate quotes may now present a completely different list of affordable Cincinnati car insurance companies as shown below.

Merchants Insurance Group now has the lowest car insurance rate in Cincinnati with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty now being in the top five. This illustrates why Cincinnati drivers need to spend some time comparing rates when trying to get the cheapest auto insurance rates for state employees.

Car insurance prices are influenced by many different factors and can change substantially, so the lowest-price company the last time you compared rates may now not even be in the top five.