Establishing which companies have the lowest-priced auto insurance rates for government employees may require a little more sweat than just picking a company at random.
Every auto insurer has a proprietary formula to determine rates, so let’s take a look at the auto insurance companies with the overall best prices in Cleveland, OH. It’s important that you understand Ohio auto insurance rates are determined by lots of factors that will increase or decrease your annual premium. Simply having a birthday, having a claim, or having an accident can cause premium changes that can cause some rates to be cheaper than competitors.
Cheapest Insurance Rates in Ohio
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $628 |
| 2 | Erie | $661 |
| 3 | Allied | $676 |
| 4 | Frankenmuth | $701 |
| 5 | Travelers | $712 |
| 6 | USAA | $719 |
| 7 | Cincinnati Insurance | $756 |
| 8 | Merchants Insurance Group | $771 |
| 9 | Motorists Mutual | $800 |
| 10 | General Casualty | $805 |
| 11 | Grange Mutual | $812 |
| 12 | Central Mutual | $848 |
| 13 | State Farm | $867 |
| 14 | Hastings Mutual | $893 |
| 15 | Westfield | $918 |
| 16 | Atlantic States | $940 |
| 17 | Western Reserve | $941 |
| 18 | Auto-Owners | $968 |
| 19 | Progressive | $991 |
| 20 | Nationwide | $998 |
| Quote Your Rates Go | ||
Utica National may offer some of the most affordable car insurance rates in Cleveland at around $628 annually. This is $412 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also qualify as some of the lowest-priced Cleveland, OH auto insurance companies.
As the rates illustrate above, if you buy coverage from Allied and switched to Utica National, you might achieve an annual savings of approximately $48. Policyholders with Frankenmuth might save as much as $73 a year, and Travelers policyholders might cut rates by $84 a year.
To find out how much you can save, click here to start a quote or feel free to get quotes from the companies below.
It’s important to note that these rates are averaged for all drivers and vehicles in Ohio and do not take into consideration an exact vehicle garaging location for government employees. So the car insurance company that is most affordable for your situation may not even be in the top 33 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver and vehicle profiles.
One of the many factors that help determine car insurance rates is where your car is garaged. Areas with increased crime or more people tend to have higher auto insurance costs, whereas areas with less congestion have the benefit of cheaper car insurance.
The table below rates the most costly cities in Ohio for government employees to purchase a policy in. Cleveland shows up at #2 with an annual cost of $1,272 for the average policy, which is approximately $106 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Cleveland | $1,272 |
| 3 | Youngstown | $1,235 |
| 4 | Columbus | $1,211 |
| 5 | Cincinnati | $1,210 |
| 6 | Cleveland Heights | $1,166 |
| 7 | Akron | $1,157 |
| 8 | Euclid | $1,140 |
| 9 | Hamilton | $1,135 |
| 10 | Dayton | $1,108 |
| 11 | Springfield | $1,105 |
| 12 | Newark | $1,095 |
| 13 | Canton | $1,091 |
| 14 | Middletown | $1,066 |
| 15 | Fairfield | $1,063 |
| 16 | Cuyahoga Falls | $1,037 |
| 17 | Lakewood | $1,031 |
| 18 | Beavercreek | $1,027 |
| 19 | Kettering | $1,020 |
| 20 | Lorain | $1,015 |
| 21 | Parma | $1,007 |
| 22 | Mansfield | $1,002 |
| 23 | Strongsville | $1,001 |
| 24 | Elyria | $995 |
| 25 | Mentor | $978 |
| Find the Best Rates Go | ||
Rates are comparative as vehicle location can affect coverage rates significantly.
The information below highlights how deductible selection can influence insurance prices when researching cheap insurance for government employees. The premiums are based on a single male driver, full coverage, and no discounts are factored in.
As shown above, a 50-year-old driver could pocket $186 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $282 by using a $1,000 deductible. Even younger insureds, like the age 20 example, can save as much as $612 annually just by choosing higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it will be necessary to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Get discount Cleveland insurance rates
Car insurance companies that offer quotes for government employees could also offer premium discounts that can lower rates by 30% or more if you meet the requirements. Larger auto insurance companies and their possible discounts are detailed below.
- State Farm offers discounts for defensive driving training, multiple autos, student away at school, driver’s education, good student, and good driver.
- Farmers Insurance policyholders can earn discounts including switch companies, business and professional, youthful driver, teen driver, electronic funds transfer, multi-car, and pay in full.
- Progressive may include discounts for multi-policy, good student, multi-vehicle, continuous coverage, and online signing.
- GEICO may have discounts that include federal employee, five-year accident-free, anti-theft, air bags, and multi-policy.
- Auto-Owners Insurance offers premium reductions for paid in full, anti-theft, multiple vehicles, safe driver, multi-policy, and good student.
- The Hartford may offer discounts for bundle, driver training, anti-theft, good student, vehicle fuel type, and air bag.
- Farm Bureau offers discounts including renewal discount, multi-policy, 55 and retired, driver training, good student, and multi-vehicle.
- USAA has savings for defensive driver, multi-policy, driver training, vehicle storage, new vehicle, safe driver, and loyalty savings.
The chart below visualizes the comparison of insurance costs with and without discounts being applied to the rates. The rates are based on a male driver, no claims, a clean driving record, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, marriage, multiple policy, multiple vehicle, safe-driver, and homeowner discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for government employees is 28% or $361.
Last year’s bargain might be this year’s rip off
Ohio auto insurance rates are impacted by many things that may substantially change the price you pay for coverage. Simply turning a year older, moving to a different location, or getting a speeding ticket may cause policy rate changes that can make some companies cheaper than before. Also, car insurance companies change their prices every year in order to remain profitable. Heavier than normal losses may cause a rate increase, while profitable underwriting can cause cheaper Cleveland car insurance rates.
The data below shows which company has the cheapest car insurance in Cleveland, OH for a 35-year-old male driver with no violations or accidents, and a decent credit rating. Based on his current risk profile, Utica National might quote the best car insurance rates in Cleveland at $836 each year. This is $204 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the remainder of the cheapest Cleveland, OH auto insurance companies.
In this example, we will give the driver from above an at-fault accident, a lower credit score, and a traffic citation. Due to the fact that each insurance company uses a different method to set premium rates, comparing quotes may now result in a different set of the cheapest car insurance companies in Cleveland as shown below.
Cincinnati Insurance now has the best car insurance rate in Cleveland with Merchants Insurance Group, Motorists Mutual, General Casualty, and Grange Mutual also having competitive pricing. This example proves why it is crucial to shop around when trying to find the cheapest car insurance rates for government employees. Insurance rates can be altered by many factors and can change without notice, so the best option the last time you shopped around may now be costing you a lot of money.