Cheapest Car Insurance Rates for September 2020
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Cheap Auto Insurance in Ohio: Best Companies & Quotes
Best Car Insurance Companies in Ohio
- State Farm
- Grange Mutual
|Westfield||Geico||Erie||State Farm||Grange Mutual||Nationwide|
|AM Best Financial Strength Rating||A||A++||A+||A++||A||A+|
|JD Power 2019 Overall Customer Satisfaction score||5/5||3/5||5/5||5/5||Not Rated||2/5|
|Avg Annual Premium||$361||$419||$463||$481||$503||$792|
|Consumer Reports Reader Score||N/A||78||86||78||N/A||N/A|
Auto Insurance Statistics in Ohio
Auto insurance rates in Ohio have been much lower than the national average for quite some time. Drivers in the state can benefit from learning how auto insurance rates in Ohio compare to other states when it comes to taking out car insurance policies.
Top 10 Cheapest Car Insurance Companies in Ohio
|Rank||Company Name||Avg. Annual Premium|
|1||Merchants Insurance Group||$849|
Drunk Driving Fatalities
Drinking and driving in Ohio has remained at a level that is comparable with the national average. Whether you live in Cleveland, Columbus, or any other city in the state, it is imperative to refrain from this dangerous practice. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Ohio vs. nationwide.
Drunk driving fatalities in Ohio from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Ohio is at a lower rate than other areas of the country. This data shows that fewer teens in the state are driving while under the influence when compared with the rate of teens drinking and driving across the country. The below statistics compare the percentage of Ohio drivers that are teenagers who are drinking and driving related to national averages.
Teen Drinking & Driving in Ohio vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in Ohio
In Ohio, SR-22 insurance policies are a requirement if you commit an infraction or breach certain driving conditions. State officials use these policies to help protect against the costs associated with high-risk drivers. While SR-22 policies are simply the minimum state insurance requirements in Ohio, this type of policy also requires the insurance provider to provide proof to the DMV that the coverage exists.
If you cancel your policy, the Ohio DMV will be notified by your insurance provider. This ensures that drivers have coverage and can’t cancel it after initially proving they have a policy under their name. Because of the additional requirements, SR-22 insurance can be quite expensive — make sure to ask for quotes from multiple insurance providers before you make a decision.
Car Theft in Ohio
Car theft in Ohio is actually much less than in other states nationwide. By learning about the rate of car theft in Ohio, drivers will have a more comprehensive understanding of the level of risk they take while driving and owning a car in the state.
Vehicle thefts by rank nationwide vs. Ohio
Uninsured Motorists in Ohio
Without auto insurance, drivers who get into accidents will have to pay out of pocket for accident-related expenses. In the event that you get into a car accident with an uninsured driver, it is helpful to have uninsured and underinsured motorist coverage. This will provide the protection you need when it comes to paying for things like property damage and medical bills. The below data shows how well Ohio ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
Car insurance is required for any vehicle that operates on the roads of Ohio. The Department of Insurance in this state defines the minimum insurance as Liability Coverage with minimums as follows:
- $25,000 for every individual due to injury or death
- $50,000 for every accident that involves injuries or deaths
- $25,000 to cover property damage
Remember, a serious accident could cause damages that will easily exceed these amounts. Consider increasing your coverages to avoid having to get into your pockets to pay post-crash bills. You may also consider the common optional coverages like comprehensive, collision, or uninsured motorist protection.
Cheap car insurance does not come easily in Ohio. From our study, the rates of car insurance in Ohio can go as high as $417 or as little as $35 per month for sample drivers who have a liability policy that is slightly above the state minimum. We also found out that the most expensive insurance companies cost about 3.3 times the cheapest car insurer in Ohio. With this realization, it is important that drivers do comparison shopping and obtain quotes from cheap auto insurance companies before deciding which one to settle with. Remember, prices vary radically depending on the insurer, or personal factors like driving profile, credit history, age, the liability limits chosen, and the kind of car. Regardless if you live in Columbus, Cleveland, or any of the nearby cities, these factors must be considered.
To help you navigate the car insurance market in Ohio more efficiently, we have outlined rates from three largest auto insurers in the Buckeye State. Let’s discuss the cheapest insurance options for the below distinct driver types.
- Young drivers
- Good drivers
- Drivers with only one at-fault accident
- Retired drivers
- Drivers with poor credit
Cheap Insurance for Young Drivers
Drivers who are in their early 20s pay an average of $241 to $1,036 per year for car insurance. These are drivers who are starting out and don’t require as much coverage as the older drivers who have accumulated a significant amount of savings or assets or have families to protect. As such, young motorists can find quite some cheap auto insurance in Ohio. From our study, an Erie insurance quote had the lowest rates at $241 a year.
Cheap Car Insurance for Good Drivers
Motorists without DUIs or moving violations and at-fault accidents pay an average of $701 to $2,891 per year for auto insurance. The average price as charged by the three cheapest insurers for drivers in this category was $841 a year, with Erie and Grange notching almost similar estimates—only around $6 per month difference between them.
Cheap Auto Insurance for Motorists with One At-fault Accident
Drivers in this category pay an average of $1,001 to 3,475 per year for car insurance. From our analysis, motorists who caused a crash saw their rates go up by about $300 per year compared to drivers with clean driving records. The highest estimate according to our survey was about $3,500 a year, which proves that motorists with at-fault claims should shop around and compare as many quotes as possible.
Cheap Car Insurance for retired drivers
These are drivers who are in mid-to-late 60s and drives fewer miles compared to other drivers. Their average car insurance prices are $701 to 2,891 per year. Of the three cheapest insurers for this category of drivers, Grange provided a similar quote like the one for a 30-year-old clean driver. Both State Farm and Erie also offered lower average costs. Retired motorists should also take advantage of the discounts given to them. Many insurers offer savings for attaining a certain age [usually 55].
Cheap Auto Insurance for Motorists with Poor Credit
These are drivers who are put in the lowest credit rank as per the industry standards. They pay an average of $857 to 2,401 per year for car insurance. Many insurers consider the credit-based insurance scores of a policyholder as a useful indicator of their future claims, and those with poor credit usually get charged more. In our survey, Grange provided the lowest rates at $857 a year. This was $150 more than their sample quote for motorists of the same age but no credit problems.
So, what next for those drivers who can’t get auto insurance in Ohio’s voluntary market due to poor driving history or other related factors? These drivers can obtain coverage through the country’s high-risk insurance network. Click here to learn about the eligibility requirements.
Types of Auto Insurance Coverage in Ohio:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, we want to help you save even more on your car insurance in the state of Ohio. We have compiled a list of the best auto insurance discounts in the state. Browse the list below to find some of the auto insurance discounts listed that can help you to save on the cost of car insurance in Ohio each year.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
It’s mandatory to have auto insurance in Ohio, which is why it is so important to understand what goes into being properly covered. The right coverage doesn’t just protect you from the costs of an accident, but it also protects your loved ones and anyone else who may be in the vehicle with you at the time.
In order to know about some of the most important aspects of auto coverage in Ohio, we’ve answered the following questions to give you information the costs of insurance and what is required to receive it.
Acquiring Insurance in Ohio
We understand you need to get cheap insurance quotes in Ohio as quickly as possible. Not only do you need insurance, but you also must be fully aware of the different coverage types that come with various insurance providers and the varying costs determined by a long list of factors. Look at the questions we’ve answered about acquiring insurance.
Who has the best car insurance rates in Ohio?
Ohio has many insurance companies that offer competitive rates. For the best car insurance rates, there are quite a few options to choose from, which include Ohio Mutual, State Auto, Central Insurance, Nationwide and Allstate to name a few.
What is full coverage auto insurance in Ohio?
Full coverage auto insurance in Ohio, and many other states, is the insurance coverage that usually involves some combination of state-required liability insurance and no-fault insurance coverage that covers property damage and bodily injury in an accident you may cause. Enter your zip code above to get full coverage car insurance quotes.
What is Ohio state minimum car insurance?
Ohio has a state minimum car insurance rate of $25,000 for bodily injury coverage per person injured in any single accident and $50,000 for all the people injured in any one accident. Fill out our form above to get cheap liability insurance quotes.
How long do I have to change insurance for new car Ohio?
Policies extending coverage to new vehicles give drivers anywhere from seven days to 30 days to receive car insurance. It’s important to reach out to an insurer immediately after you’ve gotten a new vehicle within this grace period.
How much car insurance should you carry Ohio?
Under the current law, drivers in Ohio must carry insurance liability coverage that at least pays up to $25,000 per person for injuries and medical costs and $50,000 per accident. You may wish to increase this coverage to fully cover any accident you end up in.
How to get car insurance in Ohio?
In order to get car insurance in Ohio, you must search around and find an auto insurance provider. These providers will give you a quote. Once you’ve determined the insurance provider you want, reach out to them or sign up online for coverage.
What bank in Ohio carries gap car insurance?
While you cannot receive gap car insurance coverage from a bank, you can receive it from many car insurance providers in the area, such as CarsDirect, Esurance, Westfield Insurance and many other providers. Ask them about gap insurance cost in your area. Some of these companies may also have cheap rideshare insurance if you’re driving for Uber.
Do student drivers need insurance when driving a car in Ohio?
If a student driver only has a temporary permit, then they won’t need their own auto insurance coverage. A student driver will need coverage once they begin driving without the supervision of an adult licensed driver.
How to get lower car insurance in Ohio?
There are numerous ways to get lower car insurance in Ohio. Not only does shopping around help, but you can also take a defensive driving course, drive safely with no points or penalties, and drive a safe vehicle.
Why do I need collision auto insurance in Ohio?
The reason why collision auto insurance is needed is in the instance of your vehicle crashing into an object, another vehicle, or if it is rolled over. Any moment where the vehicle is damaged, collision auto insurance helps cover the costs.
How old do you have to be to buy car insurance in Ohio?
If you are over the age of 18, you can purchase car insurance in Ohio. If you wish to get car insurance while still being a minor, it is required to have a parent or guardian sign on the policy along with the teenager. We can assist you with getting online car insurance cheap if you need it.
Which car insurance companies in Ohio don’t use credit scores?
Any car insurance company can use your credit score to determine your premiums. While these do have an impact, your driving record also places a much larger level of significance on the company. Fill out their form and see how their auto insurance quotes compare to other companies.
How long does an auto insurance claim stay on my record in Ohio?
An auto insurance is going to stay on your record for three years. If you are at fault or in a traffic violation, those three years will be met with penalties based on your insurance provider.
Ohio How long after buying car do you have to get insurance?
You typically have anywhere between seven to 30 days to get insurance after you purchase a vehicle. You will not be able to drive your vehicle without penalty if you drive it with no insurance after that period. Related: I need car insurance now.
What does consumer disclosure car insurance termination mean in Ohio?
A consumer disclosure car insurance termination is a detailed report on your credit file that discusses the termination of your insurance policy and coverage on your report.
How does auto insurance change from place to place in Ohio?
Auto insurance coverage generally remains the same, but the cost of coverage changes from city to city and even from one zip code to the next. These changes vary depending on the insurance provider you use.
When I have a loan on a car, what type of insurance do I need in Ohio?
If you have a financed vehicle, then your lender will require you to have both collision and comprehensive coverage generally. Once your loan is paid off, you can choose to forgo those types of coverage.
What is bodily injury coverage auto insurance in Ohio?
In Ohio, bodily injury coverage auto insurance is to cover a person injured in an accident. At a minimum, this type of coverage deals with at least $25,000 per person injured and $50,000 for all people injured in a single accident.
How can you legally take insurance off of your car Ohio?
It’s mandatory to have insurance while driving a vehicle. You can take insurance off your car at any time, but you will need to have insurance coverage from another provider before you can drive your vehicle legally at any time.
Do you have to show proof of insurance when you tag a car in Ohio?
You do not have to show proof of insurance when your tag your vehicle in Ohio, but you do have to show some proof of your vehicle with a title that has your signature on it, your photo ID and payment for the registration fees.
How long does insurance company have to fix my car Ohio?
An insurance company has up to 40 days to accept or deny a claim they’ve received. If the claim is accepted, then the company must make the payment within 30 days from the date the settlement was reached.
How much insurance do I need in Ohio when financing a car?
It is not a state requirement to have full coverage when you are insuring a financed vehicle, but the bank or lienholder may require you to have full coverage while you are paying off the vehicle.
Who has to be listed on your auto insurance policy in the state of Ohio?
Your insurance provider will tell you who must be listed on your policy. While you are the only person that must be listed, you may wish to list other potential drivers in your home as occasional drivers. People who aren’t in your home should not be listed.
Can I insure my antique collector car?
Yes there is a special type of insurance for this if you won’t be driving the car much. In fact antique car insurance companies charge a lot less for these types of policies.
How to buy motorcycle insurance in Ohio?
You can buy motorcycle insurance through insurance company websites. Get a free motorcycle insurance quote to see different prices and make sure you get the best rate.
The Cost of Ohio Insurance
Ohio insurance is one of the least expensive insurance types in the United States, but it can still be costly if you’re not careful. There are several different things that determine the cost of insurance in Ohio. Check out the answers we’ve provided on the cost of auto insurance.
How much is car insurance in Ohio?
Car insurance rates in Ohio range significantly, but they can cost anywhere from $61 to as high as $726. Costs are determined by a driver’s age, record, and other aspects that determine how much of a risk they may be.
How much should my car insurance be Ohio?
The average rate of your car insurance in Ohio is around $702.59 a year. You should expect to pay around that much for your car insurance and even more based on your driving record and type of vehicle you purchase.
If a car is totaled what does insurance pay in Ohio?
If you totaled your vehicle insurance will pay to repair it. If the repair costs are more than the vehicle’s value, your insurance will total your vehicle and pay you the value of the vehicle instead.
Who has the cheapest auto insurance in Ohio?
Grange Mutual is listed as one of the cheapest auto insurance providers in Ohio, which offers an annual premium of $13. Other insurance companies like that rate include Frankenmuth, Merchants Insurance Group and Westfield.
How much is car insurance in Ohio per month?
Car insurance in Ohio is an average of $702.59 a year. Per month, the average rate for car insurance is around $58.54, but that rate is subject to change based on a long list of factors. The way to make car insurance affordable is to compare companies for the lowest rates. You can also see if there are any temporary car insurance options if this is a short term need.
Who has the lowest car insurance rates in Ohio?
Out of all the companies that provide car insurance in Ohio, the best car insurance companies when it comes to rates include Progressive, Allstate, State Farm, GEICO, Nationwide and Farmers just to name a few. The lowest rate is dependent on your driving record and risk though. If you’re low on funds right now look for a buy now pay later car insurance policy, meaning there’s likely no deposit.
What to do when medical bills exceed bodily injury on car insurance in Ohio?
Your car insurance will only provide the limits of your coverage and nothing more. You are personally responsible for your own medical bills once they exceed the coverage of your car insurance.
How much is car insurance for teens in Ohio?
While the rate is different based on the insurance company, it should be noted that Ohio has one of the highest rates for adding teens to car insurance. Despite this, Ohio still has some of the lowest insurance rates in the U.S. To get cheap auto insurance for teenager drivers you’ll need to put in a little more effort by comparing rates for several companies.
Why Ohio car insurance is cheap?
Ohio car insurance is one of the cheapest in the United States. The reason why Ohio car insurance is so cheap is because of the lower number of drivers in the state and the overall lower risks that insurance providers deal with compared to other states. Learn more about how to get cheapest car insurance quotes.
When can an insurance company total a car in Ohio?
The determining factor for when a vehicle is a total loss and when it can be repaired varies from one insurance company to another, but in most cases an insurance company totals the vehicle when the repair costs are higher than the vehicle’s value.
How much is car insurance in Ohio vs Louisiana?
Car insurance is more expensive in Louisiana than in Ohio. For Louisiana, car insurance costs an average of $1,302, but for Ohio the average cost of car insurance is $702.59. Read more: How much does auto insurance cost?
How much is auto insurance for a 22-year-old with a DUI in Ohio vs other states?
A DUI may raise your insurance rates up by around 63%. The rate of your increased insurance is based on your provider. Also, a DUI will remain on your insurance for multiple years, keeping your premiums high throughout that time. To get the cheapest sr22 insurance you’ll need to do a bit of shopping around and comparing companies side by side. We recently helped a visitor find a cheap sr22 Oregon policy.
How much is for comprehensive car insurance for Progressive Columbus Ohio?
In order to determine how much comprehensive car insurance for Progressive will be in Columbus Ohio, you must get a quote from Progressive and provide your own information as each cost is based on an individual driver’s record and history.
How long do I have to file an insurance claim after a car accident in Ohio?
The statute of limitations is what determines how much time you must file a claim after an accident. In Ohio, you have two years from the date of when the accident happened in order to file a claim for compensation. Some people end up switching car insurance after accident issues.
How much is car insurance per month 23-year-old Ohio?
While you’re under the age of 25, the cost of your insurance is still higher compared to others. The cost of your insurance per month is determined by the provider, your driving history, and make and model of the vehicle you register.
How much do you save on car insurance with defensive driving in Ohio?
Its’s possible to save upwards of $100 a year on your insurance by taking a defensive driving course in Ohio. How much you save on your car insurance is determined by your insurance provider as each provider has a different discount.
What helps lower car insurance in Ohio?
Several factors help to lower your car insurance rates. Having a clean driving record, a good credit history, taking defensive driving course, driving a safe vehicle and even having certain occupations can all lower your car insurance.
What is the average USAA car insurance rate in Ohio?
The premium for USAA car insurance is on average around $734. This rate is subject to change based on several factors, such as the person’s vehicle, their driving record and history and much more. Read more: What is the average car insurance payment?
Ohio Insurance Penalties
Having auto insurance in Ohio is a huge responsibility, but it comes with its fair share of risks as well if you do not properly cover yourself. Not only will you be faced with major fines if you’re caught without insurance, but things can be much worse if you are in an accident. Check out the answers we’ve provided on the penalties that come in regards to auto insurance.
What is the penalty for not having car insurance in Ohio?
A driver may be served several penalties for driving without insurance. Not only may a driver’s license plates and vehicle registration get suspended, but the driver may also lose their driving privileges for up to 2 years.
What if I didn't have auto insurance in Ohio and was requested to provide proof?
If you are asked to provide proof of insurance and you do not provide it, then you will receive a ticket and be forced to pay a penalty. If you aren’t insured at all, you may have your driving privileges revoked.
What is the statute of limitations for filing a car insurance claim in Ohio?
In Ohio, the statute of limitations for a car insurance claim gives a person two years from the date of the accident or something caused by the accident to file a claim.
How far can you drive a car you just purchased without insurance or tags in Ohio?
You can only drive your vehicle to the first place of storage, such as your home, within three days of you purchasing the vehicle. Afterwards, you must get a title and insurance in order to drive your vehicle.
How does 2 points on your license affect your Ohio car insurance?
The number of points on your license don’t necessarily affect your car insurance in Ohio. The severity of the violation is what affects your insurance, such as excessive speeding raising your premiums or being at fault in an accident. Related: Getting auto insurance for unlicensed drivers.
What to do if the other person does not have car insurance in Ohio?
If you are in an accident and the other person does not have car insurance you will have to sue the driver and seek legal action in order to receive compensation.
What will happen to me if I live in Ohio and someone totaled my car and I have no insurance?
If someone totaled your vehicle and you have no insurance, then they still must properly compensate you through their insurance provider, even if you yourself did not have insurance coverage during the accident.
How many yrs. to waive points on car insurance in Ohio?
Your car insurance increased rates are usually waived after three to five years. In some circumstances though, you can get these surcharges waived. Ask your insurance provider how long they keep their surcharges for.
What happens if I get pulled over in Ohio in friend’s car and they don’t have insurance?
If you are caught driving in a vehicle that is not insured, you may still have to face a penalty. Even if the vehicle isn’t yours, driving it without having proper insurance may still result in some sort of fine or other penalty.
Top Cities in Ohio
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