However, rates vary significantly between insurers. The availability of discounts may vary by state, so you'll need to talk to an insurance agent to find out what auto insurance discounts you're eligible for. Teenage drivers lack driving experience, so they pay hundreds of dollars more for car insurance than older adults. The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available.
The best strategy for finding cheap car insurance for a 21-year-old driver, or a driver of any age, is to compare rates at different insurers. That said, our research indicates that some of the state's cheapest auto insurance companies include Erie, State Farm, and USAA. Drivers who can't get car insurance in the Ohio Voluntary Market due to an irregular driving history, bad credit, or other factors can apply for coverage through the Ohio Auto Insurance Plan. State Farm also offers a usage-based program, Drive Safe and SaveTM, which offers discounts of up to 30% on car insurance to good drivers if they drive safely.
However, some states in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania prohibit insurers from using gender to determine auto insurance rates. For more information on how to minimize the cost of car insurance in Ohio, check out WalletHub's selections to find the cheapest car insurance companies in Ohio. Since car insurance companies have different calculation methods for premiums, no two quotes are the same. When you buy an auto insurance policy for the first time, and each time the policy is renewed, your insurance company will likely review your driving record.
Even though car insurance rates in Ohio are cheaper than the national average, many drivers may be looking to save more money on their policy. When comparing vehicles, if repairing or replacing a car costs more, it will most likely cost more to insure it. However, insuring any new driver is more expensive than covering an experienced driver with a good driving record and insurance.