The vehicle model requiring coverage is probably the largest consideration when trying to find low-priced insurance for active military. Vehicles with higher performance characteristics, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than more economical and safe models. The information below illustrates coverage premiums for a handful of the most affordable vehicles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$1,246|
|Ford Escape XLS 2WD||$1,396|
|Chevrolet Malibu Hybrid||$1,444|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,469|
|Ford Explorer Eddie Bauer AWD||$1,471|
|Honda Civic EX 4-Dr Sedan||$1,491|
|Hyundai Elantra GLS 4-Dr Sedan||$1,519|
|Chevrolet Silverado LT Crew Cab 4WD||$1,547|
|Ford F-150 XL Regular Cab 4WD||$1,567|
|Dodge Ram Quad Cab SLT 4WD||$1,574|
|Ford Focus SE 4-Dr Sedan||$1,624|
|Chevrolet Impala LS||$1,633|
|Volkswagen Jetta S 4-Dr Sedan||$1,654|
|Toyota Camry LE||$1,664|
|Toyota RAV4 Sport 4WD||$1,654|
|Ford Edge Sport 2WD||$1,740|
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can affect price quotes considerably.
Based upon the rates shown, you can presume that vehicles like the Honda CR-V, Ford Escape, Chevrolet Malibu, Jeep Wrangler, and Ford Explorer are likely to be some of the less-costly vehicles to insure for military personnel.
Finding reasonably-priced insurance is not the easiest thing to accomplish, and deciding which company quotes the cheapest auto insurance rates for active military requires even more work. Every insurance company has a different formula for determining rates, so first we will examine the overall cheapest auto insurance companies in Cincinnati, OH.
It’s important to understand that Ohio auto insurance rates are calculated based on many things which can substantially decrease or increase the cost of a policy. Simply having another birthday, moving to a new city, or getting a few speeding tickets can cause premium changes that may make certain companies affordable when they were higher priced.
Find the Cheapest Car Insurance for Military
|Rank||Company||Cost Per Year|
|7||Merchants Insurance Group||$755|
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Utica National may have some of the best car insurance rates in Cincinnati at around $635 each year. Allied, Erie, Frankenmuth, and USAA also make the cut as some of the more affordable Cincinnati, OH insurance companies.
As the rates illustrate above, if you are currently insured with Frankenmuth and switched to Utica National, you may see an annual savings of upwards of $73. Drivers with USAA might save as much as $84 a year, and Travelers policyholders might lower prices by $98 a year.
Understand that those prices are averaged for all drivers and vehicles and are not factoring in a specific zip code for active military. So the car insurance company that has the cheapest rates for you may not even be in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
Drive safe and save
The easiest way to snag affordable auto insurance rates for military personnel is to drive cautiously and avoid accidents and traffic citations. The information below shows how violations and at-fault collisions drive up annual premium costs for each age group. The premiums assume a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of an auto insurance policy in Ohio per year with no accidents or violations is $921. Factor in two speeding tickets and the average cost rises to $1,264, an increase of $343 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for active military jumps again to an average of $2,602. That’s an increase of $1,681, or $140 per month, just for not driving carefully!
Discounts on Cincinnati car insurance rates
Auto insurance companies that offer cheap quotes for active military may also offer special discounts that could lower prices by as much as 35% or more if you qualify. A few of the larger companies and some of the discounts are:
- AAA may have discounts that include multi-policy, pay-in-full, multi-car, education and occupation, good driver, and good student.
- Progressive has discounts for homeowner, multi-vehicle, continuous coverage, online quote discount, good student, online signing, and multi-policy.
- State Farm offers discounts for passive restraint, driver’s education, good driver, good student, Steer Clear safe driver discount, accident-free, and defensive driving training.
- Esurance has savings for homeowner, multi-policy, renters, anti-lock brakes, and good student.
- Nationwide discounts include good student, multi-policy, anti-theft, business or organization, Farm Bureau membership, defensive driving, and family plan.
The example below shows the difference between insurance prices with and without discounts being applied to the rates. The rates are based on a female driver, no violations or claims, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, passive restraint, claim-free, defensive driving course, anti-theft, and safe-driver discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for active military is 28% or $379.
The chart below illustrates how choosing a deductible can increase or decrease insurance costs when quoting cheap insurance for active military. The prices are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
The data above shows that a 30-year-old driver could pocket $178 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $272 by choosing a $1,000 deductible. Even younger insureds, such as the Age 20 example, can save $384 or even more by using a higher deductible.
If you make the decision to raise deductibles, it is important to have enough in a savings account to pay the extra out-of-pocket expense that is associated with using high deductibles.