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Ohio car insurance

Are you looking for a cheap Ohio car insurance? Whichever area you reside in the Ohio city, you can avail cheap car insurance at cheaper quotes. There are numerous insurance agents that offer car insurance at the best competitive rates.

Average premiums in Ohio

The average premiums on the Ohio car insurance depend on the city or town you reside. If you are staying in a crowded area like Columbus where there is a high rate of a car collision, the premium cost can go as high as $85 per month. However, in rural areas where the collision rate is much lower, like Akron, the rate of premium is lesser than $70 per month.

Auto Insurance Laws and Requirements in Ohio

The Ohio driving regulation states that a driver has to prove his financial responsibility in order to get a legal permission for driving. Most of the drivers choose to buy a cheap car insurance to satisfy the demands of the state. However, in order to comply with the regulations of the state, you need to buy car liability coverage. 

Car Insurance Coverage in Ohio

The Ohio car insurance coverage varies according to the specific car models. While a new car version may require more coverage, the older ones will not need high liability coverage. A new car model may need more than the minimum car coverage in Ohio.

DUI Laws in Ohio

A driver who is found offensive under DUI laws may be charged with the following forfeits;

  • Imprisonment for three days to six months 
  • A 3-day intervention for the driver along with six days in jail
  • Suspension of license from six months to three years, depending on the type of offense.
  • The driver may be penalized for $450 as a reinstatement fee.
  • The driver may face a fine ranging from $250 to $1000.

It must be noted that the penalties are obligated on seriously convicted motorists who have violated the driving rules.  The serious violation may include;

  • An accident while driving without insurance
  • Convicted under DUI law
  • Driving a vehicle without proof of insurance

Ohio car insurance covers only such drivers who have filed SR-22 or have an instated driver’s license.

Age Limit Laws in Ohio

in the Ohio city, a teenager who has attained the age of 15 years and six months can apply for a learner's permit. The permit is allowed after a complete 6 months of good standing, fifty hours of supervision.

Once the driver has attained the age of 16 years, they are eligible for the intermediate stage. The young drivers are not permitted to drive from midnight to six in the morning.

A driver who has attained the age of 17 years gets permission to drive beyond 5 A.M to 1 AM under the supervision of only one adult family member.

The permanent driving license is given only at the age of 18 years.

Credit Score Laws and Regulations in Ohio

Many states allow the insurance companies to check the credibility of the insurer before finalizing the premium amount. in Ohio as well, the lower is the credit rating, you will be liable to pay a high rate of premium per month. The state regulations give legal permission to the insurance agents to judge the rate of insurance by checking the private credit limit of the insurer.

Ensuring your Vehicle in Ohio

Most of the insurance plans are customized according to the automobile and not the owner. Ohio car insurance is determined on the make and model of the car. This is due to the financial responsibility of the insurer. During a car accident when you are not driving the car, you are held responsible financially. Thus, the insurance agent needs to understand the car quality and model to determine its value and credibility in the market.

Additional Auto Insurance Laws and Requirements in Ohio

It is important to understand the basic law and regulations of a state before getting an Ohio car insurance. Moreover, it is necessary to maintain the minimal insurance costs by following the everyday traffic rules that have a substantial effect on the monthly rates as well.

If you looking for cheap car insurance in Ohio, you will face the fact that it is not as easy as it looks like. Prices differ in dependence on one or another company you’ll get coverage from, and personal factors such as credit history, age and driving history. In order to help Ohioan people find the best quote as quickly as it possible, our team researched current rates from the largest state’s insurers.

Best affordable companies

  • American Family
  • American National
  • Auto Owners
  • Cincinnati
  • Grange
  • Hanover
  • AAA
  • Colonial
  • Horace Mann
  • National Wide
  • Progressive
  • Safe Auto

Top rated companies

Rank Auto Insurance Company Average Annual Rate
1 Grange Insurance $726
3 Frankenmuth $784
4 Progressive $805
5 Motorists Mutual $877
6 Erie $892
7 The Cincinnati $903
8 Nationwide $915
9 Westfield $958
10 State Farm $984
11 Farmers $1,010
12 Hastings Mutual $1,027
13 Merchants Insurance Group $1,106
14 Western Reserve $1,121
15 American Family $1,132
16 Ohio Mutual $1,155
17 Central Mutual $1,219
18 Allstate $1,238
19 Auto Owners $1,238
20 State Auto $1,344
21 Encompass $1,348
22 Atlantic States $1,389
23 Celina Insurance $1,683
24 The General $1,746
25 X21st Century $1,791
26 Titan $1,803
27 MetLife $1,902
28 Kemper Specialty $2,552

We found three best companies with affordable options for good, young drivers and drives with a single at-fault crash to help you find the best car insurance quotes Ohio.

  • Grange $560
  • Eire $600
  • State Farm $890

The average cost for these three companies is about $680 a year – it is the lowest prices in comparison with other states for this category of drivers, according to our research. As we can see, Erie and Grange have the cheapest offers with almost equal rates. These companies are able in most of the cities of the state, such as cheap car insurance Columbus Ohio, Cleveland, Akron, Canton, and Dayton.

  • Grange $260
  • Erie $300
  • State Farm $540

Young drivers (18-29 y.o.) are just and basically don’t need such coverage as older drivers with savings to lose after a crash lawsuit or families to protect, if you are asking how much is car insurance in Ohio for young drivers. We checked current rates for young motorists with minimum coverage and we found quite cheap quotes in Ohio. As we can see, Grange proposed the lowest price at $260 per year, followed by State Farm and Erie. All these companies having estimates that are cheaper than the best offers founded by our team for 30 y.o. drivers with full coverage and the brilliant driving history. These options are able for those who are looking for car insurance Toledo Ohio, Cincinnati, Lima, Mansfield and other cities of this state.

  • Erie $780
  • State Farm $1060
  • Grange $1090

If you caused a crash – you’ll face the result in a bigger price after you renew the policy. This is the best time to check the market and see the possibility to find the best quote elsewhere because insurers often showing different quotes and rates for drivers with at-fault crashes on their driving history. As we can see, Erie has the cheapest deal for our group: $780 a year. This price is $225 expensive than the lowest deal we found for the same age motorist without any crash. The following cheapest insurer State Farm offers $1060 a year deal, and that’s $500 higher price that the best deal for drivers with no crash.

Minimal requirements

In accordance to Ohio car insurance laws, policy in Ohio should include liability that should cover injury treatment (if you are responsible for an accident) or third parties property damage. Let’s sort out, how much is Ohio state minimum car insurance liability limits are:

  • $25000 liability (bodily injury) per person
  • $50000 liability (bodily injury) per accident
  • $25000 liability (property damage) per accident

A serious crash may cause the damage that could easily surpass these aforementioned amounts. If you want to avoid enormous accident payments out of your wallet, try to buy a bit more expensive liability than the bare minimum. By the way, you can also choose some optional coverage, like uninsured driver protection, comprehensive and collision protection.

Alternative deals in Ohio

If you don’t see any possible way to get coverage on the voluntary market in Ohio because of a poor credit or spoiled driving record (or other factors), you can find coverage with Ohioan AIP (Auto Insurance Plan).