Best Insurance for Teen Drivers in Ohio

One of the challenges that parents of teen drivers face is finding affordable car insurance for their young drivers. Teen drivers are considered high-risk by insurance companies because they are more likely to cause accidents and file claims than older and more experienced drivers. According to the Insurance Institute for Highway Safety (IIHS), drivers aged 16 to 19 are nearly three times more likely to be involved in a fatal crash than drivers aged 20 and older.

However, not all car insurance companies charge the same rates for teen drivers. Some companies offer discounts and features that can help lower the cost of insuring a teen driver. In this article, we will compare in detail the top five major auto insurance companies that have the best auto insurance for teen drivers in Ohio and the average annual cost of insurance for teens offered by these companies. We will also provide citations for our sources of information.

The top five major auto insurance companies that have the best auto insurance for teen drivers in Ohio are:

- **Geico**: Geico has the cheapest car insurance rates for both 16-year-old and 18-year-old drivers in Ohio, with an average annual rate of $4,471 and $3,890 respectively. Geico also offers a variety of discounts for teen drivers, such as good student, driver's education, defensive driving, and multi-vehicle discounts. Geico also has a low level of complaints compared to its market share.

- **USAA**: USAA has the second cheapest car insurance rates for both 16-year-old and 18-year-old drivers in Ohio, with an average annual rate of $4,103 and $3,108 respectively. However, USAA is only available to military members and their families. USAA also offers discounts for good grades, driver training, safe driving, and family loyalty. USAA also has a high customer satisfaction rating and a low level of complaints.

- **Erie Insurance**: Erie Insurance has the third cheapest car insurance rates for both 16-year-old and 18-year-old drivers in Ohio, with an average annual rate of $4,059 and $3,753 respectively. Erie Insurance also offers features that can benefit teen drivers, such as accident forgiveness, new car replacement, rate lock, and diminishing deductible. Erie Insurance also has a high level of complaints compared to its market share.

- **Nationwide**: Nationwide has the fourth cheapest car insurance rates for both 16-year-old and 18-year-old drivers in Ohio, with an average annual rate of $4,502 and $4,352 respectively. Nationwide also offers discounts for good grades, driver's education, accident-free driving, and multi-policy. Nationwide also has a very low level of complaints compared to its market share.

- **American Family Insurance**: American Family Insurance has the fifth cheapest car insurance rates for both 16-year-old and 18-year-old drivers in Ohio, with an average annual rate of $5,663 and $5,110 respectively. American Family Insurance also offers discounts for good grades, driver's education, defensive driving, low mileage, and multi-vehicle. American Family Insurance also has a very low level of complaints compared to its market share.

Citations:

: https://www.iihs.org/topics/teenagers

: https://www.forbes.com/advisor/car-insurance/best-cheap-car-insurance-for-teens/