The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, especially when looking for the lowest insurance rates for a learners permit. Let’s open your eyes to some of the factors that have a considerable impact on car insurance prices, and see how we can help you shave a little off the next policy you buy.
Comparing rates for budget insurance is not the easiest thing to do, and figuring out which company offers the cheapest insurance rates for a learners permit will involve additional perseverance. Each insurer has a proprietary method for determining rates, so let’s rank the most affordable insurance companies in Ohio.
Cheapest Insurance Rates in Ohio
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $654 |
| 2 | Erie | $667 |
| 3 | Allied | $697 |
| 4 | Frankenmuth | $708 |
| 5 | USAA | $711 |
| 6 | Travelers | $726 |
| 7 | Cincinnati Insurance | $756 |
| 8 | Merchants Insurance Group | $771 |
| 9 | Motorists Mutual | $792 |
| 10 | Grange Mutual | $804 |
| 11 | General Casualty | $837 |
| 12 | Central Mutual | $866 |
| 13 | State Farm | $885 |
| 14 | Hastings Mutual | $893 |
| 15 | Atlantic States | $931 |
| 16 | Westfield | $946 |
| 17 | Western Reserve | $970 |
| 18 | Progressive | $982 |
| 19 | Auto-Owners | $988 |
| 20 | Farmers | $1,005 |
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Utica National may have some of the cheapest car insurance rates in Cleveland at around $654 per year. This is $386 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA also make the cut as some of the more affordable Cleveland, OH car insurance companies.
As shown above, if you are currently insured with Allied and switched to Utica National, you might see yearly savings of roughly $43. Policyholders with Frankenmuth could save as much as $54 a year, and USAA policyholders might reduce rates by $57 a year.
To find the cheapest coverage for you, click here to begin a quote or quote prices from the following companies.
It’s important to note that these prices are averages across all drivers and vehicles and and are not figured with a specific location for a learners permit. So the company that fits your needs best may not even be in the top 33 companies in the list above. That affirms the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.
The car, truck, or SUV on the policy is one of the primary factors when comparing quotes for low-cost car insurance for a learners permit. Vehicles with high performance engines, poor safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models. The information below presents insurance prices for a number of the most affordable automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $4,910 |
| Volkswagen Jetta S 2.5 Station Wagon | $5,227 |
| Ford Escape Limited 4WD | $5,236 |
| Hyundai Elantra SE Touring Station Wagon | $5,227 |
| Toyota Prius | $5,279 |
| Honda Odyssey LX | $5,398 |
| Chevrolet Impala LS | $5,714 |
| Ford Edge SEL 2WD | $5,721 |
| Chevrolet Malibu Hybrid | $5,766 |
| Chevrolet Equinox LT 2WD | $5,775 |
| Toyota RAV4 4WD | $5,766 |
| Toyota Tacoma Double Cab 4WD | $5,772 |
| Chevrolet Silverado LT Extended Cab 4WD | $5,766 |
| Ford F-150 FX4 Super Cab 4WD | $5,818 |
| Ford Explorer Eddie Bauer AWD | $5,823 |
| Dodge Grand Caravan Crew | $5,818 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $5,979 |
| Toyota Corolla LE | $6,085 |
| Toyota Camry XLE | $6,090 |
| GMC Sierra SLE Crew Cab 2WD | $6,137 |
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Price data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in zip code location which can raise or lower coverage prices considerably.
Looking at the rates, you can see that vehicles like the Honda CR-V, Volkswagen Jetta, and Ford Escape are going to be some of the less-costly vehicles to insure for new drivers. The price of auto insurance will trend higher just due to the fact that there is more claim risk for a learners permit, but overall those specific models will tend to have the best rates that you’ll find.
Discount Cleveland insurance rates
Insurance companies that offer quotes for a learners permit may additionally offer price discounts that can lower rates by as much as 40% or more if you meet eligibility requirements. Companies and some of their more popular discounts can be found below.
- State Farm has discounts for driver’s education, good student, multiple autos, student away at school, and Drive Safe & Save.
- Liberty Mutual policyholders can earn discounts including exclusive group savings, preferred payment discount, multi-car, new vehicle discount, and multi-policy.
- American Family offers discounts including mySafetyValet, TimeAway discount, good driver, defensive driver, good student, and air bags.
- Progressive includes discounts for homeowner, online quote discount, online signing, multi-policy, continuous coverage, and good student.
- Farmers Insurance discounts include business and professional, early shopping, pay in full, multi-car, alternative fuel, homeowner, and switch companies.
- Auto-Owners Insurance offers discounts for mature driver, paid in full, student away at school, paperless, and teen driver.
- SAFECO may have discounts that include teen safety rewards, multi-car, homeowner, safe driver, bundle discounts, and accident prevention training.
The example below compares car insurance costs with and without discounts applied to the policy premium. The premiums assume a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with continuous coverage, vehicle safety, anti-theft, paid-in-full, passive restraint, and paperless filing discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for a learners permit is 28% or $356.
How violations and accidents impact rates
The best way to snag cheap insurance prices for new drivers is to drive carefully and not receive tickets or have accidents. The chart below highlights how traffic violations and at-fault accidents can impact car insurance costs for different categories of driver ages. The price estimates are based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of car insurance in Cleveland per year with no accidents and a clean driving record is $921. Get written up for two speeding tickets and the average cost hikes up to $1,264, an increase of $343 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for a learners permit increases to an average of $1,607. That’s an increase of $686, or $57 per month, just for being a careless driver!
How to find budget-friendly car insurance for a learners permit
It’s not impossible to find cheaper rates, and here are many money-saving solutions that can help you find lower-cost coverage.
- Safe vehicles generally have lower rates
- Claim-free drivers earn discounts
- At-fault accidents can raise rates significantly
- Maintain a clean driving record
- Save money by bundling your home and auto policies
- Comparison shop frequently
That final tip is extraordinarily vital, as we discussed in the prior information. Prices in Cleveland vary considerably, so you should be ready to change to a new company if you can find a cheaper rate.
Many drivers prefer to stick with one company, but it isn’t a good idea if that loyalty results in overpaying a fortune every year. Spend a few minutes and shop around and find cheaper car insurance for a learners permit.
The Cleveland auto insurance agencies shown below can probably answer your questions and help you decide which auto insurance policy fits you best, as lots of people like to get some guidance when shopping around for cheaper insurance for a learners permit. It can be time-consuming to find the best coverage on your own, so a licensed agent can give satisfaction knowing you have sufficient coverage at claim time. To locate a Cleveland auto insurance agent by location nearest to you, click the link at the bottom.
- Brown Brown Insurance Services
3691 Lee Rd #210 – Cleveland, OH 44120 – (216) 751-2713 - The Brooks and Stafford Company
55 Public Square #1650 – Cleveland, OH 44113 – (216) 696-3000 - State Farm: Betsy Warner
2491 Lee Blvd – Cleveland Heights, OH 44118 – (216) 932-6900 - Jinisha Patel – State Farm Insurance Agent
4342 Ridge Rd – Brooklyn, OH 44144 – (216) 741-6100