It would sure make life easier if we could simply give you the name of the one best company that has the best deal on coverage in Ohio. It’s just not that easy, however, as there are a lot of unknowns like the crime level of your neighborhood, the amount of coverage you want, and whether you just want liability only. This article covers the best ways to pay less and will hopefully give the reader a good start to your coverage search.
For bad drivers, one of the big things that help determine auto insurance rates is where your car is garaged in Cincinnati. Areas with more people or even just a higher incidence of claims tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The table below shows the most expensive areas in Ohio for drivers with a bad driving record to buy auto insurance in. Cincinnati shows up at #5 with a yearly cost of $1,186 for coverage, which is about $99 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Youngstown | $1,273 |
| 2 | Cleveland | $1,272 |
| 3 | Toledo | $1,241 |
| 4 | Columbus | $1,199 |
| 5 | Cincinnati | $1,186 |
| 6 | Cleveland Heights | $1,178 |
| 7 | Akron | $1,157 |
| 8 | Dayton | $1,154 |
| 9 | Euclid | $1,129 |
| 10 | Hamilton | $1,113 |
| 11 | Fairfield | $1,095 |
| 12 | Newark | $1,095 |
| 13 | Springfield | $1,094 |
| 14 | Lakewood | $1,063 |
| 15 | Canton | $1,058 |
| 16 | Beavercreek | $1,047 |
| 17 | Strongsville | $1,031 |
| 18 | Middletown | $1,024 |
| 19 | Mansfield | $1,022 |
| 20 | Kettering | $1,009 |
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Rates are comparative as the specific zip code location can modify coverage rates greatly.
The car, truck, or SUV you are buying coverage for is one of the biggest factors when comparing the cheapest coverage for drivers with a bad driving record. Vehicles with high performance, a lack of modern safety features, or an increased likelihood of liability claims will cost substantially more to insure than more economical and safe models. The data below illustrates insurance costs for a selection of the cheaper vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $4,357 |
| Honda CR-V EX-L 2WD | $4,409 |
| Volkswagen Jetta S 2.5 Station Wagon | $4,647 |
| Ford F-150 XL Regular Cab 2WD | $4,701 |
| Toyota Prius | $4,748 |
| Jeep Grand Cherokee Laredo 4WD | $5,011 |
| GMC Sierra SLE Regular Cab 2WD | $5,018 |
| Toyota RAV4 2WD | $5,011 |
| Ford Explorer Limited 2WD | $5,060 |
| Ford Focus SE 4-Dr Sedan | $5,156 |
| Dodge Grand Caravan Hero | $5,212 |
| Chevrolet Malibu Hybrid | $5,221 |
| Chevrolet Impala LTZ | $5,239 |
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Data based on single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific Cincinnati, OH garaging location which can change insurance rates significantly.
Based upon these rates, models like the Ford Escape, Honda CR-V, Volkswagen Jetta, Ford F-150, and Toyota Prius should be a few of the most affordable vehicles to insure for bad drivers. Prices will be more expensive just due to the fact that there is a higher risk for drivers with a bad driving record, but in general those particular models will tend to have the best rates compared to other types of vehicles.
Do you need full coverage?
Reducing the cost of car insurance is probably important to the majority of people, and one of the fastest ways to pay less for insurance for drivers with a bad driving record is to buy only liability coverage. The information below shows the difference between premium costs with liability coverage only compared to full coverage. The premiums are based on no violations or accidents, $250 deductibles, single status, and no discounts are taken into consideration.
If all age groups are averaged, full coverage costs $1,601 per year over and above liability coverage. That touches on the question if full coverage is worth the money. There is no definitive guideline of when to stop paying for comp and collision coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s say your vehicle’s replacement value is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,500 after the policy deductible has been paid. If you are currently paying more than $350 a year for full coverage, then you may want to consider only buying liability coverage.
There are some cases where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Irresponsible driving raises your rates
In a perfect world, the best way to get low car insurance premiums for bad drivers is to be a safe driver and avoid traffic citations and accidents. The chart below demonstrates how speeding tickets and accidents can impact yearly insurance costs for different age groups. The data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of car insurance in Cincinnati per year with no accidents and a clean driving record is $961. Factor in one speeding ticket and the average cost swells to $1,085, an increase of $124 each year. Then add one accident along with the one speeding ticket and the 12-month cost of car insurance for drivers with a bad driving record goes up to an average of $1,422. That’s an increase of $461, or $38 per month, just for not paying attention while driving!
The illustration below highlights how deductible selection can affect annual premium costs when quoting cheap insurance for drivers with a bad driving record. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could save $210 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $316 by using a $1,000 deductible. Younger drivers, like the Age 20 category, can save as much as $516 annually just by choosing higher deductibles. When choosing a higher deductible, it will be required to have enough in a savings account to offset the extra out-of-pocket expense that is associated with using high deductibles.
If you like to get help from a professional when shopping around for cheaper insurance for bad drivers, the insurance agencies listed below are a good start to provide answers to your questions and help you determine which insurance coverage will be best for you. To locate a Cincinnati car insurance agency using an interactive map, click the link after the list.
- CAI Insurance Agency, Inc.
2035 Reading Rd – Cincinnati, OH 45202 – (513) 221-1140 - Mark Redmond – State Farm Insurance Agent
7225 Colerain Ave Ste 202 – Cincinnati, OH 45239 – (513) 221-7836 - Htt Agency
5879 Cheviot Rd – Cincinnati, OH 45247 – (513) 741-2100 - United Heartland Insurance Agencies
6701 Ruwes Oak Dr – Cincinnati, OH 45248 – (513) 896-5555