Cheap Car Insurance in Ohio

Looking for Ohio automobile insurance? Whether you live in Columbus, Cleveland, Cincinnati, Toledo, or Akron, you can get hold of up to ten rate quotes from major agencies near you by using Prices fluctuate by insurer and you ought to compare rates thoroughly before you acquire a policy. We’ll help you choose the coverage to meet your needs.

Ohio Auto Insurance – Average Premiums

There are several factors that lead to an average rate of $77 each month for the price of Ohio vehicle insurance. If you live in an area with a high rate of automobile collisions, like Columbus, your insurance costs may be as high as $83 monthly or more. But living in a rural, backwoodsy area like Clearwater or Akron has slightly cheaper rates (around $71 or less).

Average Auto Insurance Costs in Ohio Legend: Major City Akron Cincinatti Cleveland Columbus Toledo State Average 10 20 30 40 50 60 70 80 $71 $75 $80 $83 $75 $77


Important Ohio Auto Insurance Laws and Requirements

In order to drive legally in the state of Ohio, you must be able to prove financial responsibility; most drivers choose to satisfy this requirement through buying cheap Ohio car insurance. In order to comply with state requirements, you will need to purchase Liability coverage. Ohio drivers are not required to purchase UM/UIM or no-fault insurance.

Coverage Requirements Most Common
Bodily Injury Liability 12,500/25,000 100,000/300,000
Property Damage Liability 7,500 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Choosing the Right Amount of Ohio Car Insurance Coverage

There are specific automobiles that might take advantage of less coverage than more. Older automobiles, or cheaper ones, may not need six figures worth of coverage bought. On the other hand, a brand new and costly vehicle may not be fully protected using the minimum state coverage bought.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Akron Cincinatti Cleveland Columbus Toledo State Average 10 20 30 40 50 60 70 80 90 100 110 120 $32 $111 $32 $117 $35 $126 $32 $96 $34 $117 $33 $113


Ohio DUI Laws

Drivers convicted of their first DUI offense, may face the following penalties: either a prison sentence ranging from 3 days to 6 months or a 3 day driver intervention program (6 days in prison if your BAL is 0.17 or above); your license may be suspended anywhere from 6 months to 3 years; you will also have to pay a $450 reinstatement fee, and you may face a fine ranging from $250 to $1,000.

Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of serious driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In Ohio, you will need to file an SR-22 in order to have your driver’s license reinstated.

DUI Car Insurance Costs in Ohio Legend: Clean Record DUI Violation Akron Cincinatti Cleveland Columbus Toledo State Average 10 20 30 40 50 $32 $54 $32 $55 $35 $56 $32 $53 $34 $57 $33 $55


Age Limit Laws

At 15 years and 6 months of age, Ohio teenagers can apply for their first learner stage permit. This permit requires 6 months of good standing, 50 hours of supervised (and 10 night) driving, and cannot be graduated until the driver is at least 16.

During the Intermediate stage, 16 year old drivers cannot be on the road between midnight and 6 AM (1 AM- 5 AM for 17 year olds). No more than one non-family passenger is allowed in the vehicle without adult supervision. Full driving privileges for daytime driving are awarded at the age of 17, and a full license at the age of 18.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Akron Cincinatti Cleveland Columbus Toledo State Average 15 30 45 60 75 90 105 120 135 150 165 180 195 210 $128 $125 $132 $211 $76 $134


Credit Score Laws and Regulations

In lots of states, it’s perfectly legal for insurance companies to judge your private credit information when determining just how much to ask you for every month. And also the lower your credit rating is, the greater the rate per month you’ll be having to pay for the automotive insurance policy inside the state of Ohio.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Akron Cincinatti Cleveland Columbus Toledo State Average 10 20 30 40 50 $29 $51 $29 $52 $32 $55 $29 $51 $30 $55 $30 $53


Insuring your Vehicle in Ohio

Unlike what most motorists think, the fact is that your insurance plan is tailored much more according to your automobile than you, the owner. What this means is in case your vehicle is involved with any kind of accident – even when you are not driving it at that time – you may be held financially responsible. Because of this, the make and model are important details for the insurer to understand before they issue an insurance policy on your automobile.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Akron Cincinatti Cleveland Columbus Toledo State Average 15 30 45 60 75 90 105 120 $32 $117 $32 $121 $35 $129 $32 $119 $34 $128 $33 $123


Additional Ohio Auto Insurance Laws and Requirements

All the laws and regulations we’ve talked about above can make a substantial effect on how low or high your monthly minute rates are in general. But understanding the basics of the state’s everyday traffic laws and regulations is another useful way to maintain your insurance costs are minimal.

Highway Safety Laws

The state of Ohio does not recognize that there are certain driving behaviors which, if left unchecked, could produce a potentially harmful situation on the highway. But even though law enforcement can’t pull you over and ticket you for committing such acts by themselves (like failure to obey traffic control devices, or driving outside traffic lanes, for example) you could face legal penalties for such accidents if they lead to a serious accident.

Aggressive Driving No state law
Cell Phones and Texting Laws No state law
Inc. Penalty for High BAC BAC 0.17
Admin. License Susp. on 1st Offense 90 days

Speed Limits and Cell Phone Use

Increasingly more states are progressively passing bans on mobile phone use while driving. Ohio is among those states with a primary, all-driver ban on texting, in addition to banning drivers under the age of 18 from talking while operating a moving vehicle. Should legislation enforcement official catch you doing this, they are able to pull you over and ticket you for your breach alone.

Rural Interstate 70 mph
Urban Interstate 65 mph
Other Limited-Access 55 mph

Important Ohio Contacts

Ohio Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Ohio Website

Ohio Department of Insurance

How to contact directly:

The Ohio Department of Insurance
50 W. Town Street
Third Floor – Suite 300
Columbus, Ohio 43215
(614) 644-2658

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