For state and federal workers, one of the big considerations that are looked at to help calculate car insurance rates is where you normally keep your vehicle. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas more rural areas benefit from having to pay less for coverage.
The information below sorts the most expensive cities in Ohio for government employees to buy an auto insurance policy in. Cincinnati makes the list at #6 with an annual premium of $1,210 for coverage, which is about $101 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Youngstown | $1,273 |
| 3 | Columbus | $1,235 |
| 4 | Cleveland | $1,222 |
| 5 | Cleveland Heights | $1,214 |
| 6 | Cincinnati | $1,210 |
| 7 | Euclid | $1,175 |
| 8 | Akron | $1,157 |
| 9 | Hamilton | $1,146 |
| 10 | Dayton | $1,108 |
| 11 | Fairfield | $1,085 |
| 12 | Canton | $1,069 |
| 13 | Middletown | $1,066 |
| 14 | Springfield | $1,061 |
| 15 | Newark | $1,053 |
| 16 | Kettering | $1,051 |
| 17 | Beavercreek | $1,047 |
| 18 | Strongsville | $1,041 |
| 19 | Lakewood | $1,031 |
| 20 | Cuyahoga Falls | $1,027 |
| 21 | Mansfield | $1,022 |
| 22 | Lorain | $1,015 |
| 23 | Parma | $997 |
| 24 | Mentor | $978 |
| 25 | Elyria | $975 |
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Rates are estimated as the specific area where the vehicle is garaged can change coverage rates noticeably.
Finding dependable, low-cost car insurance is not easy, and figuring out which companies offer the lowest-priced auto insurance rates for government employees will take even more work. Each insurance company uses a different method for determining rates in each state, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Ohio.
It’s important to know that Ohio auto insurance rates are based on many factors that may substantially change the price of coverage. That is why consumers need to compare rates to get the cheapest auto insurance quotes for government employees. Auto insurance prices are influenced by many factors and change dramatically, so the most economical option a year ago may now be priced much higher than other options.
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Utica National generally has some of the lowest car insurance rates in Cincinnati at around $628 annually. Erie, Allied, Frankenmuth, and USAA also are some of the cheaper Cincinnati, OH car insurance companies.
As shown above, if you buy coverage from Frankenmuth and switched to Erie, you might realize savings of upwards of $41. Drivers with USAA may save as much as $66 a year, and Travelers customers might lower prices by up to $66 a year.
Be aware that those rates are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for government employees. So the insurer that has the cheapest price for you may not even be in the top 33 companies in the list above. That illustrates why you need to get rate quotes from many companies using your own specific driver and vehicle information.
Full coverage versus liability-only in Cincinnati
Paying a lower price for auto insurance should be important to the majority of vehicle owners, and one of the quickest ways to pay lower rates for insurance for government employees is to not insure for full coverage. The diagram below shows the difference between insurance rates when comparing full coverage to liability only. The premiums assume a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Averaged for all ages 20 through 70, physical damage coverage costs an extra $1,297 per year more than just insuring for liability. That amount may make you wonder if buying full coverage is a waste of money. There isn’t a steadfast formula to delete physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
Careless driving habits raise auto insurance rates
The recommended way to score low auto insurance premiums in Ohio for state and federal workers is to drive cautiously and avoid accidents and keep your driving record clean. The illustration below highlights how speeding tickets and at-fault collisions can drive up auto insurance rates for different age groups of insureds. The premium estimates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.
The data charted above shows the average cost of an auto insurance policy in Ohio per year with a clean driving record and no accidents is $1,039. Add in one speeding ticket and the average cost swells to $1,172, an increase of $133 each year. Then add in one accident along with the one speeding ticket and the annual cost of auto insurance for government employees jumps again to an average of $1,539. That’s an increase of $500, or $42 per month, just for not driving attentively!
The insurance agencies below are a good start to help you determine which auto insurance policy would work best for you, as many people would rather have the advice of a professional agent when shopping around for cheaper insurance for government employees. It can be time-consuming to find the best rates on your own, so agents can add satisfaction knowing you have enough coverage if you have a claim.
To find a Cincinnati insurance agent by location nearest to you, click the button below the list or click here to get price quotes now.
Kristen Jackson – State Farm Insurance Agent
8952 Winton Rd – Cincinnati, OH 45231 – (513) 681-6400
Eric Geiger – State Farm Insurance Agent
6900 Miami Ave – Cincinnati, OH 45243 – (513) 574-0321
Henry Insurance Agency LLC
2757 Observatory Ave #22 – Cincinnati, OH 45208 – (513) 871-7700
Find a Cincinnati, OH insurance agent near you
How to find economical insurance for government employees
Below you’ll find many penny-pinching ideas that can help you buy cheap auto insurance.
- Try paying for small claims out-of-pocket
- Vehicles with good safety ratings have lower liability rates
- Avoid having at-fault accidents
- Buy your auto and home insurance from the same company and save
- Avoid getting tickets or violations
- Save money by only buying liability coverage for older vehicles
- Shop around for cheaper prices
The last tip in the list is incredibly vital, as we emphasized in the article above. Prices charged by companies in Cincinnati change a lot, so drivers shouldn’t be reluctant to buy from a new company if you can find a cheaper rate.
Brand loyalty is not necessarily bad, but we do not recommend it if it’s costing you money that could be used for better things. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for government employees.