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Cheap Car Insurance in Ohio
The Cheapest car insurance in Ohio for all cars and drivers
No matter what you drive, you’ll need an insurance policy to comply with Ohio law. Known for the Rock and Roll Hall of Fame, Cedar Point, and the Pro Football Hall of Fame, Ohio is a great place to live and work.
But to do so, you’ll need reliable transportation and an insurance policy to match. While Ohio offers affordable pricing on several cost of living categories, car insurance is only sometimes one of them. Outlined below is how you can get cheap car insurance in Ohio.
With times tight, this guide will help you better understand how to get more bang for your buck, educating you on the key aspects insurance companies look at when pricing your policy and what you can do to lower your costs when on the hunt fo Cheap car insurance in Ohio you can afford.
We’re here to help your wallet by providing a quick and easy way to compare affordable Ohio car insurance quotes from several top insurance providers eager to help.
This guide provides you with everything you need to get cheap car insurance in Ohio. So grab a coffee or beverage of choice, kick back, and let’s dive in.
Car insurance requirements in Ohio
Here’s What you need to know before hitting the road in Ohio
We don’t make the rules, but we do have to play by them. Like death and taxes, there’s no way around having car insurance in Ohio. Across the US, all states, including the great state of Ohio, require that each driver carry a policy that provides coverage at or above the legally mandated minimum.
But more is needed to be insured; you must always carry proof of this when operating a vehicle on Ohio’s many roadways.
Since you have to have car insurance, the real question is, how much will a cheap policy cost you?
This is a complex question, so we’ll go through all the details of why one policy is more expensive and what you can do to pay less.
Fortunately, you know what to look for and how to get the correct policy. In that case, some policies, such as those offering minimum mandated coverage, can be relatively affordable and cheap.
Enter your ZIP code below to view quotes for the cheapest Auto Insurance Rates.
What are the minimum amounts of Car insurance in Ohio that all drivers must carry?
In Ohio, liability insurance is a requirement for all drivers. The required minimum for automobile insurance in Ohio is $25,000/$50,000/$25,000. With this policy, if an accident were to occur, the policy would cover $25,000 per individual for bodily injury, up to a maximum of $50,000 per incident. This policy also covers up to $25,000 in damage to property for the *other driver (not you).
Recap of Mandatory Minimum Coverage in OH:
- Bodily injury liability coverage: $25,000 per person
- Bodily injury liability (more than one person): $50,000 per accident
- Property damage liability coverage: $25,000 per accident
Optional Car insurance coverage in Ohio
Comprehensive coverage
Comprehensive coverage (although not as cheap) covers expenses necessary to repair or replace your vehicle for non-collision-related damage (such as vandalism, theft, fire, storms, and more).
Collision coverage
No one gets behind the wheel of a car expecting to be in an accident. However, according to the Ohio State Highway Patrol , more than 5,529 fatal car crashes and over 30,800 total accidents are investigated yearly.
Collision insurance coverage helps pay for expenses necessary to repair or replace your vehicle due to damage caused by a collision with an object (such as a telephone pole) or another vehicle.
Uninsured motorist coverage
According to the Insurance Information Institute, 13% of Ohio drivers are uninsured, putting you at risk. Uninsured motorist coverage protects you if the at-fault party is uninsured or underinsured.
Optional types of Auto coverage vary by carrier and may include:
- Gap policies
- Medical coverage
- Roadside assistance service packages
- Rental car reimbursement
Why is Cheap car insurance in Ohio often so expensive?
- More drivers on Ohio roadways means more chances for accidents, insurance claims, and payouts, all adding up to increased rates for premiums.
- Ohio ranks 21st in the nation for the number of uninsured motorists, resulting in responsible, insured drivers footing the bill.
- In the wake of COVID and a struggling economy, auto repair costs are rising, with insurance companies feeling it on their bottom line. This added expense is often passed on to the consumer.
- Weather events are trending upward, with severe storms, torrential downpours, and harsh winters leading to increased property damage and accidents.
- Skyrocketing healthcare costs in Ohio mean insurance companies have to pay more out-of-pocket for claims related to medical expenses from accident injuries.
What penalties could you face for driving without Car insurance in Ohio?
Think car insurance is too expensive? Driving without it could end up costing you even more.
State statutes require drivers in Ohio to have PROOF of their insurance policy with them at all times when operating a vehicle on a public road.
As long as your insurance fulfills the minimum standards your state sets for coverage, it doesn’t matter how inexpensive your policy is. That’s the good news for those needing cheap coverage.
Penalties for driving without Car insurance in Ohio
Your driver’s license, license plates, and car registration may all be temporarily suspended by the state, and there may also be a $660 reinstatement fee. Additionally, you should request that your insurer submit an SR-22 form for up to five years. The state may seize or sell your car if you don’t follow these rules.
The state of Ohio is stringent regarding breaking the rules governing Car insurance coverage.
First Offense:
- Fines and penalties
- Suspension of license until up to date with insurance requirements
- $260 restoration fee for plates and registration
- Confiscation of plates and license for 30 days
Second Offense:
- Additional fines and penalties
- Suspension of license for 1-year
- Limited driving privileges available after 15-days
- $360 registration and plate restoration fee
- Vehicle and plates confiscated for 60 days
Third and Subsequent Offense:
- Additional fines and penalties
- Suspension of license for 2-years
- Limited driving privileges are available after 30 days.
- $660 registration and plate restoration fee
- Vehicle impounded and sold
- 5-year suspension on registering a new vehicle
Cheapest auto insurance in Ohio for minimum coverage
Shopping for cheap car insurance in Ohio isn’t usually on anyone’s list of favorite activities. But we all have to do it at one point or another.
But this experience doesn’t have to be a tedious, time-consuming one. Saving money on a cheap policy can be pretty satisfying. Who doesn’t like getting a good deal?
How much does Car insurance cost in Ohio?
This is a more complex question without diving into the factors affecting your premiums' prices. By understanding these factors, you can play your role in lowering costs.
Ohio’s rates for full coverage car insurance average around $1,200 annually. Minimum coverage car insurance averages around $336. When compared to surrounding states, Ohio is more competitively priced when it comes to car insurance.
That said, at Insurance Navy, we work with a range of leading car insurance providers to get you multiple cheap quotes so you always have access to the best rates.
What determines your Auto insurance premiums in Ohio?
- The make and model of the car you drive
- Age
- Your driving habits
- Zip code where you live
- Your marital status
- Driving record
How does age affect your Auto insurance premiums in Ohio?
Insurance companies have tons of data. They found out that older drivers tend to be more careful on roadways. They also tend to be more experienced and able to negotiate poor driving conditions while also employing defensive driving techniques against other reckless motorists.
As a result, we usually see lower-priced premiums for middle-aged individuals than we do for young or elderly drivers.
Typically, premium costs begin to gradually decline at age 26 and continue to do so until they start to increase again around age 60.
Cheapest auto insurance in Ohio for young drivers
Young drivers end up paying a lot more for auto insurance. On average, the data shows the following annual premiums based on age:
- Age 16 = $2,408
- Age 18 = $2,216
- Age 20 = $1,882
- Age 25 = $1,543
Every driver should have an equal opportunity to find low-cost auto insurance. We partner with various insurance providers to help you discover the right coverage at the right price, compare rates, and find the most cost-effective auto insurance options.
How does location affect your Car insurance premiums in Ohio?
Did you know that your auto insurance costs vary depending on your zip code, state, and the city you live in?
Insurance firms combine risk profiles based on location. They examine crime rates, accident rates, and other data for individual zip codes to calculate the likelihood of paying on claims per person. This data helps them determine how much they need to charge to cover their risk and protect the bottom line while still having enough resources to compensate those who file claims.
Because of this, people who live in less populous or rural areas typically pay a LOT less in premiums than people who live in Ohio suburbs or big towns like Columbus, Cincinnati, Cleveland, or Toledo.
How does marital status affect your Car insurance premiums in Ohio?
Your marital status can affect how much you pay for affordable auto insurance. What insurance providers found was that married individuals are involved in fewer accidents. This is primarily attributed to them being more cautious when on roadways due to financial and adult obligations and responsibilities (such as starting a family). Because of this, they often pay less for insurance than those who are single.
How does car type affect your Auto insurance premiums in Ohio?
The type of car you drive significantly affects how much you’ll end up shelling out for insurance. In part, the price of your policy is based on a few factors relating to this.
- The risk profile of the type of vehicle you drive. An excellent example of this is that sports cars are more likely to get in accidents than a family minivan.
- The make and model of the vehicle - This has more to do with the cost of repairs and replacement if the insurance provider has to make good on a claim.
How does your driving record affect your Car insurance premiums in Ohio?
Your driving record (citations or tickets demonstrates to insurance providers how safe or risky of a driver you are. The better your record and the longer your driving history is, the lower your premiums and the better your chances of snagging affordable car insurance in Ohio.
Ohio Auto Insurance Rate Increases Violation (averages):
*% increases on average
- Speeding ticket: 17% increase
- At-Fault Accident: 39% increase
- DUI: 84% increase
National Average Increases in Premiums For Other Violations:
- NOT at-fault accident – 6%
- 1 Compensation claim – 8%
- 2 Compensation claims – 14%
- Failure to show documents to law enforcement – 18%
- No seatbelt violation - 18%
- Driving on expired registration – 21%
- Driving without lights – 20%
- Child safety restraint violation – 20%
- Cell phone use violation – 25%
- Illegal turn – 26%
- Failure to yield – 27%
- Improper passing – 27%
- Speeding 6-10mph over the limit – 25%
- Speeding 16-20mph over the limit – 27%
- Racing or Reckless driving – 89%
- Leaving the scene of a crime – 97%
- Driving on a suspended license – 94%
*Examples are averages and vary widely depending on the particular carrier. The list is not exhaustive and is meant to give a representative sample of common traffic violations.
How much could having a bad driving record cost you?
Our figures show that many insurance carriers increase annual premiums for clients with a history of “at fault” incidents by as much as $620… making it even more important to evaluate several insurance companies through a broker like Insurance Navy.
How Much You Drive Your Car Also Has a Part to Play
The more you drive, the more chances you will get in an accident. Insurance companies know this and price policies accordingly. For example, those who use their vehicle for a few errands in town will likely pay less per month than someone who commutes 50 miles round trip to work each day.
Cheapest car insurance in Ohio for drivers with bad credit
Millions of Americans, including tens of thousands in Ohio, struggle with poor credit. Given the rising cost of living and inflation, it is no big shock that many individuals are having trouble paying their bills.
How does this affect your ability to find cheap auto insurance in Ohio?
Although credit shouldn’t directly affect how much you pay for car insurance, there is a correlation between those with poor credit and paying higher premiums.
According to an analysis of major auto insurers, drivers in Ohio with poor credit ranging between 300-579 often paid as much as $105 more per month or $1260 more per year.
We have yet to have the last say in how much an insurance company charges (or on what basis they make these decisions). Instead, we help you compare multiple estimates simultaneously, allowing insurance providers to compete for your business. This way, you always know you are choosing the cheapest car insurance for your needs.
What’s the Cheapest car insurance in Ohio after a DUI?
Insurance companies categorize those convicted of one or more DUIs as ‘high risk.’ If convicted of a DUI, you should plan on paying more for coverage. But that doesn’t mean you’re all out of options.
SR-22 insurance in Ohio
When convicted of a DUI, or if you have too many ‘points’ on your license, you may be required to purchase and carry an Ohio SR-22 Insurance policy. This certificate is a bond that insurance companies offer as a guarantee to the state of Ohio that you have coverage in the event of an accident.
Cheapest car insurance in Ohio for drivers with speeding tickets
We’re all in a hurry, which sometimes gets us in trouble. Speeding is a common driving infraction that can result in increases in the cost of insurance by between 10-20% on average.
In the short term, there isn’t a lot you can do to lower rates, but the good news is that over time, your premiums should normalize and begin to fall (presuming you maintain a good driving record from here on out).
Your best bet is to shop around, and at Insurance Navy, we make this as easy as possible, giving you access to several leading insurance companies to meet your needs.
Cheapest car insurance in Ohio for good drivers
Do you have a pristine driving record? Paying attention to the rules and staying safe can pay off big time. Those with a good driving history stand to save BIG on cheap auto insurance in Ohio.
In addition to cheaper premiums, having a clean driving record may qualify you for ‘safe driving’ discounts, lower deductibles, and other benefits.
Cheapest car insurance rates in Ohio cities
Now that you know where you live can significantly impact how much you’ll pay for car insurance let’s look at the cities in Ohio and the cost of the annual average premiums paid by those who live there.
Average Annual Auto Insurance Premiums by City In Ohio:
- Cleveland $1,614
- Cincinnati $1,266
- Toledo $1,358
- Akron $1,262
- Dayton $1,205
- Canton $1,187
- Youngstown $1,386
- Lorain $1,101
- Hamilton $1,203
- Springfield $1,153
- Elyria $1,192
- Lakewood $1,174
- Newark $1,167
- Cuyahoga Falls $1,123
- Middletown $1,161
- Dublin $1,235
- Mentor $1,078
- Euclid $1,285
- Mansfield $1,065
Best cities for the Cheapest car insurance in Ohio
Remember, living in the city will generally cost you more than living in a rural area, but that doesn’t mean there aren’t pockets of opportunity here and there.
The Following Cities are the BEST for Cheap Insurance in Ohio:
- Cuyahoga Falls = $93.58 per month
- Middletown = $96.75 per month
- Dublin = $102.92 per month
- Mentor = $89.83 per month
These are just a few Ohio cities that currently have the lowest rates.
How to find the Cheapest car insurance in Ohio
Get Car insurance quotes from multiple insurance companies
When shopping for car insurance, comparing rates from the top auto insurance companies is one of the best ways to get the lowest price. Insurance Navy makes comparing quotes from several companies at once a breeze.
We can help you find the best deals from multiple insurers without filling out numerous forms and wasting time with annoying sales reps.
Car insurance premium factors
In this post, we took a closer look at some of the significant occurrences and choices that could affect the price of your auto insurance. Some of these (like getting married) aren’t realistic to change, but you can benefit from others with some planning.
Car insurance coverage needs
At Insurance Navy, we love educating people like you about the many insurance plans offered. We make much effort to help you get the insurance that BEST satisfies your demands while being affordable.
Consider Uninsured motorist coverage
We have already seen that the number of uninsured motorists in Ohio has reached over 10%. Although this is an immediate cost, it could save you much money if your car is damaged or injured by someone else driving without adequate insurance.
Car insurance lapses
Lapses in policies can happen for several reasons. Short-term lapses can cost you late fees and reinstatement charges. In contrast, longer-term lapses can disrupt your longstanding history of good driving.
Car insurance discounts
Car insurance providers extend a plethora of discounts to aid drivers in Ohio to economize on their coverage expenses. These discounts predominantly pertain to individual aspects, such as exhibiting exemplary driving skills or possessing a residential property.
Furthermore, discounts are tailored explicitly for Ohio motorists who maintain immaculate driving records. While you seek suitable coverage, it is prudent to remain cognizant of any discounts that companies feature on their respective websites.
Moreover, inquire about these discounts from your Ohio insurance agent, considering that numerous insurers refrain from disclosing the full extent of their discount offerings. These policy-based discounts are among the most straightforward avenues to curtail annual premiums.
Get the Cheapest car insurance quote in Ohio from Insurance Navy™
The goal of Insurance Navy is to make it easier for Ohio drivers to find cheaper car insurance at a price they can afford. As a broker, we give drivers in Ohio access to a range of the best insurance providers under one roof, making it simple to compare rates and comparison shops.
Insurance Navy can help you get the cheap Ohio car insurance you need, whether you live in Cleveland, Cincinnati, Columbus, or anywhere in Ohio. Call an Insurance Navy Insurance Agent at 888-949-6289 or get a free quote online on our website. We’ll get back to you with a cheap Ohio car insurance quote in three minutes or less.