Looking for cheap insurance in Ohio?
It might be easier to find than you think!
When it comes to the cheapest car insurance in Ohio, you’re in luck. The minimum cheap car insurance Ohio drivers go for can cost as little as $300 a year. The difference between minimum and full car insurance coverage in Ohio is also less than many other states. Although not the very cheapest, Ohio offers some great deals.
It doesn’t quite take its place among the lowest with Idaho, Maine, and Vermont, but it’s close!
Still, when you’re looking for the cheap car insurance Ohio can count on, it’s important to make sure you have enough coverage. If your policy doesn’t reflect the minimum amounts required by law in Ohio, you can still get in big trouble. Let’s take a closer look at what you need and how to save on Ohio car insurance.
What is the Minimum Car Insurance in Ohio?
Ohio requires less car insurance coverage than in many other states.
The minimum Ohio car insurance required by law includes:
Bodily Injury Liability: $25,000 per person, $50,000 per accident
Property Damage Liability: $25,000
That’s it! Unlike many other states, Ohio does not require insurance to protect drivers against uninsured or underinsured motorists. That said, you might still want to add that kind of coverage to your Ohio car insurance policy. If you are in an accident caused by an uninsured motorist, you could be on the hook for all your costs.
Ohio is a “fault” auto insurance state, which means the two required insurance types cover expenses that other drivers or passengers incur as a result of an accident the policy holder caused. The policies cover the cost of medical bills arising from accident injury as well as property damage, such as repair costs to another’s car.
When it comes to cheap car insurance Ohio drivers can use, they must meet these minimums at all times. You won’t be able to register a vehicle with the state’s Bureau of Motor Vehicles (BMV) or drive on Ohio roads unless you demonstrate an active auto insurance policy.
Three other kinds of Ohio car insurance are optional:
Medical Payments: Medical insurance covers death expenses for you and your passengers
Collision Insurance: Covers the cost of fixing or replacing your damaged vehicle
Comprehensive Insurance: Covers non-accident vehicle damage, like vandalism
You are not required to hold these policies, but you can always add them to your existing policy. It can be a good idea to add more than the minimum coverage you need: If your insurance does not cover all the liabilities that arise from a car accident, you could find yourself going to court with another driver.
How Can You Reduce Car Insurance Premiums in Ohio?
The best way is to show you’re a safe driver through years of avoiding hazards on the road, but that takes time. Insurers may also offer discounts to Ohio policyholders who take a defensive driving course and those who buy a new car with the latest safety features. Last, but not least, improving your credit can lower your premiums.
If you are doing everything right to lower your premiums but your insurer hasn’t offered any concessions, you can always change your Ohio car insurance to a new provider. Just be sure there are no gaps in coverage and always carry your insurance card in your vehicle.
Now you know the facts on car insurance, so why not choose the cheap car insurance Ohio drivers love?
Cheap insurance in Ohio is just a few clicks away when you use Cheap Insurance. We gather the latest information from all the top Ohio car insurance companies so you can compare policies at a glance.
To learn more or ask a question, contact us.
Who has the best auto insurance rates in Ohio?
With some of the lowest car insurance rates around, cheap insurance in Ohio is easiest to find in smaller towns and communities with a modest population density. Drivers in their 30s and 40s tend to have the best rates, and those with an established history of safe driving may qualify for discounts.
When looking for the best cheap car insurance, Ohio residents shouldn’t worry about brand. Insurance firms big and small might offer you the deal you’re looking for. To be sure you’re getting the best rates you qualify for, go online and compare car insurance prices from Ohio insurers.
How much is car insurance in Ohio per month?
Local drivers really enjoy cheap insurance in Ohio. The average annual premium is just over $1,000, or about $86 monthly. Drivers who go for the minimum car insurance in Ohio can pay as little as $27 a month. Those who want more protection can afford it more easily than in other states.
For the top cheap car insurance, Ohio drivers shouldn’t settle for the very first deal they get. Not all insurers are upfront about the lowest car insurance prices in Ohio. By going online, you can compare car insurance rates from all of the state’s leading insurance brands.
What is the average cost of car insurance in Ohio?
The average cost of car insurance in Ohio is among the lowest, just over $1,000. That takes into account the fact some drivers go for minimum Ohio car insurance, while others get as much coverage as allowed. If you go for cheap insurance in Ohio, you might pay as little as $27 a month.
To get cheap car insurance, Ohio motorists should go online first. It’s fast and easy to compare car insurance policies online. Information is more likely to be accurate and up to date, and you may find out about car insurance policy discounts insurance companies don’t advertise.
Who has the cheapest car insurance in Ohio?
Cheap insurance in Ohio is not as hard to come by as in some states. In fact, Ohio has been ranked as one of the top five cheapest states for car insurance! Insurers change prices frequently, but you can expect to pay just over $1,000 yearly for car insurance on average.
To find the best cheap car insurance in Ohio, don’t worry about using big name insurers. Compare the latest policies online so you can choose the best one. That’s the fastest way to figure out who has the cheapest car insurance in Ohio.
