The words “cheap” and “auto insurance” really shouldn’t be used together, especially when searching for the cheapest car insurance for government employees. Because it’s not cheap, let’s start the ball rolling by going over some of the things that can significantly affect auto insurance prices, and see if you can slash the price of the next policy you buy.
Finding dependable, low-priced car insurance is difficult, and finding out which insurers offer the lowest-priced insurance rates for government employees requires even more diligence.
Every insurance provider uses a slightly different approach to determine premium rates, so first we will examine the insurance companies with the most affordable rates in Ohio.
Best Insurance Companies in Ohio
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $635 |
| 2 | Allied | $676 |
| 3 | Erie | $681 |
| 4 | Frankenmuth | $708 |
| 5 | USAA | $711 |
| 6 | Travelers | $712 |
| 7 | Cincinnati Insurance | $749 |
| 8 | Merchants Insurance Group | $778 |
| 9 | Motorists Mutual | $800 |
| 10 | Grange Mutual | $812 |
| 11 | General Casualty | $829 |
| 12 | Hastings Mutual | $866 |
| 13 | Central Mutual | $866 |
| 14 | State Farm | $867 |
| 15 | Westfield | $918 |
| 16 | Atlantic States | $931 |
| 17 | Western Reserve | $961 |
| 18 | Progressive | $962 |
| 19 | Farmers | $995 |
| 20 | Auto-Owners | $998 |
| Compare Rates Now Go | ||
Utica National normally has some of the most affordable car insurance rates in Toledo at around $635 per year. This is $405 less than the average rate paid by Ohio drivers of $1,040. Allied, Erie, Frankenmuth, and USAA also make the cut as some of the cheapest Toledo, OH auto insurance companies.
As illustrated above, if you currently buy coverage from Frankenmuth and switched to Allied, you might achieve an annual savings of about $32. Customers with USAA could save as much as $35 a year, and Travelers policyholders might reduce rates by $36 a year.
To discover how much you can save, click here or click through to the companies below.
Be aware that those policy rates are averaged for all drivers and vehicles in Ohio and and are not calculated with a vehicle location for government employees. So the car insurance company that can offer you the best price 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 as many companies as possible using your own specific driver and vehicle information.
The vehicle model that is being insured is one of the main factors that determines whether or not you find economical insurance for government employees. Vehicles with higher performance characteristics, poor safety ratings, or high incidents of liability claims will cost much more to insure than safer models. The next table shows auto insurance premiums for the most affordable automobiles to insure in Ohio.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,441 |
| Honda CR-V LX 2WD | $1,448 |
| Ford Edge SEL AWD | $1,479 |
| Toyota RAV4 Sport 2WD | $1,507 |
| Honda Odyssey LX | $1,530 |
| Dodge Grand Caravan SXT | $1,538 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,544 |
| Toyota Prius | $1,550 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,560 |
| Ford Focus SEL 4-Dr Sedan | $1,567 |
| Toyota Camry SE | $1,588 |
| Chevrolet Malibu LTZ | $1,619 |
| Volkswagen Jetta 2.0T Station Wagon | $1,642 |
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in vehicle location which can decrease or increase rates greatly.
Based on these rates, we can tell that cars like the Ford Escape, Honda CR-V, Ford Edge, and Toyota RAV4 are a few of the most budget-friendly vehicles to insure for state and federal workers.
Do you need full coverage?
Paying a lower price for insurance is important to most people, and one common way to buy cheaper insurance for government employees is to not insure for full coverage. The chart below compares auto insurance rates with and without full coverage. The premium estimates are based on no claims or driving violations, $100 deductibles, drivers are not married, and no additional discounts are factored in.
If we average the cost for all age groups, physical damage coverage costs an additional $1,782 per year over having just liability coverage. Many drivers will wonder if it’s a good idea to buy full coverage. There is no written rule for excluding physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your vehicle’s replacement cost is $11,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $10,000 after the deductible is paid. If you are paying in excess of $1,000 a year for full coverage, then you might consider buying liability only.
Picking a good quality car insurance provider is difficult considering how many choices drivers have in Toledo. The information shown next may help you select which coverage providers you want to consider putting your business with.
These ratings are for large nationwide companies, so companies that focus mainly on Ohio business will not be included in the list. To check prices and find the cheapest rates for government employees, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Compare quotes and save
Ohio insurance rates are calculated based on many things that may substantially change the cost of your policy. Simply getting older, having a teenage driver, or having an at-fault accident can trigger changes in premium that can now make some companies affordable when they were higher priced.
Also, companies modify rates as often as every quarter to ensure their profitability. An extended period of higher than normal claims can cause higher rates, while long-term profits can result in cheaper Toledo car insurance rates.
The graph below shows which companies have the cheapest car insurance in Toledo, OH for a 40-year-old female driver with no prior claims, no tickets, and excellent credit. If we look at prices based on her current situation, Utica National might offer the cheapest car insurance rates in Toledo at $824 each year. This is $216 less than the average premium paid by Ohio drivers of $1,040. Frankenmuth, Erie, Allied, and USAA are also on the list of the most affordable Toledo, OH auto insurance companies.
Let’s now give the driver from the first example an at-fault accident, a little lower credit rating, and a stop sign violation. Because every insurance company has their own process for setting rates, comparing rates will most likely result in a substantially altered list of cheap Toledo auto insurance companies as shown below.
Merchants Insurance Group now has the best car insurance rate in Toledo with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty now rounding out the top five. This shows why it is so important to spend some time comparing rates when trying to get the most affordable car insurance quotes for government employees. Rates are impacted by many different factors and change substantially, so the best price when you bought your policy may now be wasting a lot of money.