Ohio is known as a flyover state with not a lot going on beyond the three biggest cities: Columbus, Cincinnati, and Cleveland. However, there’s also great food and sports, especially football, everywhere in the state.
Ohio has a low cost of living, which pays off when it comes to auto insurance. In fact, Ohio has some of the cheapest car insurance coverage in the nation.
While insurance premiums are already low, you can always try to get them even lower. This is possible by using Cheap Insurance. If you’re interested in cheap car insurance in Ohio, just input some information, and we’ll give you a free quote!
Quick Ohio Car Insurance Facts
- Ohio has a minimum coverage requirement known as the 25/50/25 rule.
- The average cost of minimum liability auto insurance in Ohio is $328 per year.
- Full car insurance coverage in the state costs an average of $1,024 per year.
- Approximately 13% of drivers in Ohio are uninsured.
- Ohio is an at-fault state for car insurance purposes.
Minimum Ohio Car Insurance Coverage
If you drive in Ohio, you need to carry at least the minimum car insurance coverage. The state’s Bureau of Motor Vehicles can help you understand the insurance requirements in Ohio.
Ohio requires minimum insurance for bodily injury and property damage liability. Drivers must carry at least the following insurance:
- Property damage: $25,000 coverage for a single accident.
- Bodily injury/death: $25,000 per person, $50,000 per accident.
Getting Cheap Car Insurance In Ohio
Car insurance coverage in Ohio may already be cheap, but you can get it even cheaper with these tips:
- Shop around: Get quotes from multiple car insurance providers. Cheap Insurance can give you a quote within minutes.
- Get good credit: Car insurance providers are allowed to check your credit score before offering you a quote, so they may base it off your credit. A better score means a better rate, so be financially responsible.
- Consider an older vehicle: If you want cheaper insurance, consider the vehicle. An older sedan is less expensive to insure than a new sports car.
Ohio Car Insurance Discounts
Get the best deal possible on car insurance coverage in Ohio by asking about these discounts:
- Good Driver: A driver with a clean driving history can save 10% or more on car insurance.
- Good Student: Drivers under the age of 25 who attend school and have at least a 3.0 GPA can typically save 10-20%.
- Billing and Payments: Car insurance providers often offer discounts for going paperless, paying online, paying for your policy in full, and setting up automatic payments.
- Bundling: You can get discounts by using the same car insurance provider for all your vehicles, as well as other forms of insurance, such as homeowners and life insurances.
FAQs
What is the average car insurance cost in Ohio?
The average cost for full car insurance coverage in Ohio is $1,024 per year.
How much is car insurance per month in Ohio?
The average cost for full car insurance coverage in Ohio is approximately $85 per month.
What is the penalty for driving without insurance in Ohio?
If you are caught driving without insurance in Ohio, the state may temporarily revoke your driver’s license, license plates, and vehicle registration. You will have to pay up to $660 to get everything reinstated.
What is driving like in Ohio?
While you will need a car to get around, Ohio is known for short commutes and little traffic. However, many of the urban roads are poorly designed and in need of repair. If you enjoy rural driving, there are a lot of country back roads.
How can I save money on my car insurance policy in Ohio?
If you’re looking for cheap car insurance in Ohio, keep these tips in mind:
- Drive safely: A good driving record does a lot to help you save money.
- Negotiate: If you’re not happy with your car insurance bill, try to negotiate with your car insurance provider. This may be easy if you’re a good driver who has been loyal to the company for many years.
- Get a safer vehicle: A newer vehicle with a car alarm, airbags, and other safety features can help you get discounts on your insurance.
Other Types of Coverage
If you’re driving in Ohio, make sure you have adequate insurance besides the minimum insurance; here are some optional car insurance coverages to consider:
Uninsured Motorist Coverage (UMC)/Underinsured Motorist Coverage (UIM)
This covers damages caused by an uninsured or underinsured motorist.
Medical Payments Coverage
While it’s not health insurance, this coverage can be used to pay for medical expenses caused by an accident.
Physical Damage Coverage
Comprehensive and collision insurance coverages cover physical damage. Comprehensive insurance covers damages due to weather, vandalism, and theft, while collision insurance covers damages caused by hitting a car or other object.
Endorsements and Riders
Towing and road service: This insurance offers roadside assistance, such as towing and gas, in the event of a breakdown.
Rental car reimbursement: This coverage will reimburse you for a rental car if you cannot drive your vehicle.
Gap insurance: Gap insurance, as the name implies, fills in the gap between the actual value of your vehicle and the amount you owe on it.
Cities We Cover In Ohio
Cheap Insurance can help you save big on your insurance premium. You can find cheap car insurance in the following Ohio cities: