The car, truck, or SUV to be insured is one of the main factors that determines the availability of low-priced auto insurance for felons. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of liability claims will cost less to insure than adrenaline junky models. The next list outlines coverage rates for a selection of the most cost-effective vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,431 |
| Dodge Grand Caravan CV | $1,452 |
| Toyota Tacoma 4WD | $1,462 |
| Honda CR-V EX-L 4WD | $1,513 |
| Chevrolet Malibu LS | $1,532 |
| Chevrolet Equinox LT 2WD | $1,538 |
| Ford Fusion S 4-Dr Sedan | $1,532 |
| Ford Escape Limited 4WD | $1,606 |
| Hyundai Elantra SE 4-Dr Sedan | $1,612 |
| Toyota Corolla LE | $1,620 |
| Nissan Rogue S AWD | $1,643 |
| Honda Accord EX-L 4-Dr Sedan | $1,725 |
| Toyota RAV4 Sport 2WD | $1,759 |
| Start Your Quote Go | |
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in your specific Cleveland, OH location which can increase or decrease insurance rates significantly.
Based on these rates, we can presume that cars like the Toyota Prius, Dodge Grand Caravan, and Toyota Tacoma will definitely be some of the cheapest vehicles to insure for felons.
Comparing rates for cheap auto insurance is tough enough, and determining which companies have the most affordable auto insurance rates for felons involves additional perseverance. Each insurance company uses their own calculation to set policy rates, so we’ll go over the lowest cost auto insurance companies in Ohio.
It’s important that readers know that Ohio auto insurance rates are based on many factors which can significantly increase or decrease your annual premium. Improving your financial situation, buying a higher-value vehicle, or getting a few speeding tickets may prompt premium changes that can now make some companies cheaper in comparison to the competition.
Lowest Insurance Price Quotes for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $654 |
| 2 | Erie | $661 |
| 3 | Frankenmuth | $680 |
| 4 | Allied | $697 |
| 5 | Travelers | $712 |
| 6 | USAA | $741 |
| 7 | Merchants Insurance Group | $755 |
| 8 | Cincinnati Insurance | $779 |
| 9 | Motorists Mutual | $792 |
| 10 | General Casualty | $813 |
| 11 | Grange Mutual | $828 |
| 12 | Central Mutual | $848 |
| 13 | State Farm | $867 |
| 14 | Hastings Mutual | $884 |
| 15 | Atlantic States | $904 |
| 16 | Westfield | $918 |
| 17 | Auto-Owners | $958 |
| 18 | Western Reserve | $961 |
| 19 | Nationwide | $988 |
| 20 | Progressive | $991 |
| Find Your Rate Go | ||
Utica National offers some of the cheapest car insurance rates in Cleveland at around $654 a year. This is $386 less than the average price paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are also some of the lowest-priced Cleveland, OH auto insurance companies.
As depicted above, if you are a customer of Frankenmuth and switched to Utica National, you might realize annual savings of in the neighborhood of $26. Drivers with Allied could save as much as $43 a year, and Travelers insureds might realize rate reductions of up to $58 a year.
Bear in mind that those premium estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for felons. So the car insurance company that has the cheapest price for you may not even be in the top 33 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
One of the many components that determine the amount you pay for auto insurance is where you call home. Larger areas tend to have more expensive auto insurance rates, whereas areas with less congestion benefit from having to pay less for coverage.
The table below rates the most costly cities in Ohio for felons to purchase a policy in. Cleveland comes in at #2 with a yearly premium of $1,272 for coverage, which is around $106 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Youngstown | $1,273 |
| 2 | Cleveland | $1,272 |
| 3 | Toledo | $1,241 |
| 4 | Columbus | $1,211 |
| 5 | Cleveland Heights | $1,202 |
| 6 | Cincinnati | $1,186 |
| 7 | Akron | $1,169 |
| 8 | Dayton | $1,142 |
| 9 | Euclid | $1,140 |
| 10 | Hamilton | $1,135 |
| 11 | Canton | $1,102 |
| 12 | Fairfield | $1,085 |
| 13 | Middletown | $1,066 |
| 14 | Springfield | $1,061 |
| 15 | Newark | $1,053 |
| 16 | Lakewood | $1,041 |
| 17 | Strongsville | $1,041 |
| 18 | Kettering | $1,040 |
| 19 | Cuyahoga Falls | $1,037 |
| 20 | Beavercreek | $1,027 |
| 21 | Mansfield | $1,022 |
| 22 | Parma | $1,007 |
| 23 | Lorain | $1,005 |
| 24 | Mentor | $988 |
| 25 | Elyria | $975 |
| Compare Prices Now Go | ||
Table data uses approximated as the specific Cleveland residence address can impact coverage prices considerably.
How to get discounts on Cleveland auto insurance
Insurers that offer quotes for felons may have special discounts that can lower rates by 30% or more if you are eligible to receive them. A few popular companies and the discounts they provide include:
- State Farm offers premium reductions for multiple policy, safe vehicle, multiple autos, good driver, student away at school, passive restraint, and Drive Safe & Save.
- GEICO offers discounts for defensive driver, military active duty, driver training, five-year accident-free, membership and employees, anti-lock brakes, and good student.
- Progressive includes discounts for multi-policy, continuous coverage, online signing, online quote discount, and good student.
- 21st Century may offer discounts for driver training, defensive driver, good student, theft prevention, anti-lock brakes, and teen driver.
- American Family may have discounts that include accident-free, bundled insurance, good driver, Steer into Savings, defensive driver, multi-vehicle, and early bird.
- The Hartford has savings for vehicle fuel type, air bag, good student, anti-theft, defensive driver, and driver training.
- AAA may include discounts for multi-policy, anti-theft, AAA membership discount, good student, and multi-car.
The information below shows the comparison of yearly insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, marriage, accident-free, vehicle safety, homeowner, and passive restraint discounts applied. When discounts are applied, theamount saved on auto insurance for felons is 27% or $312.
The diagram below demonstrates how choosing different deductibles can affect insurance rates when trying to find cheap insurance for felons. The information is based on a single female driver, comp and collision included, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could save $242 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $366 by choosing a $1,000 deductible. Young drivers, like the 20-year-old example, could drop their prices up to $624 each year by using higher deductibles when buying full coverage.
When raising deductibles, it is necessary to have enough funds in savings to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.
Liability only or full coverage
Reducing the cost of auto insurance is important to most drivers, and an effective way to pay less for insurance for felons is to not buy comprehensive and collision coverage. The information below shows the difference between insurance costs when comparing full coverage to liability only. The premiums assume a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no additional discounts are factored in.
Averaged for all age groups, physical damage coverage on your policy costs $1,325 per year over liability only. Many drivers may wonder when is it safe to stop buying full coverage. There is no exact formula for eliminating physical damage insurance, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.