The Ultimate Ohio Car Insurance Guide (Costs + Coverage)

Ohio Statistics SummaryDetails
Road Miles 2014Total in State: 122,885
Vehicle Miles Driven: 112,766 Million
Vehicles 2014Registered: 10,048,588
Total Stolen: 18,015
State Population11,689,442
Most Popular VehicleHonda Civic
Percentage of Motorists Uninsured12.40%
State Rank: 22
Driving DeathsSpeeding (2008-2017) Total: 2793
Drunk Driving (2008-2017) Total: 3250
Average Premiums 2015 (Annual)Liability: $397.11
Collision: $269.84
Comprehensive: $121.61
Combined Premium: $788.56
Cheapest ProviderDiscover Prop & Cas Ins Co

Nestled underneath the Great Lakes state and between Pennsylvania and Indiana, sits a rather flat, agriculturally and historically rich state often referred to as the home of the Buckeyes.

With a population of over 11 million people, Ohio boasts being the birthplace of Neil Armstrong, seven presidents, and aviation.

Ohio is the 34th largest state in the U.S. with over 100,000 miles of roadway — so there’s no question that there are many vehicles of all shapes and sizes on the road.

But here’s the thing: whether your vehicle is cruising around the Y Bridge, or headed up and down Ohio’s winding roads to a Michigan/Ohio State football game, your vehicle is going to need to be insured.

We know that finding a great car insurance policy isn’t easy, and that’s where we want to step in and help with this ultimate guide to Ohio car insurance.

In this guide, we will go over topics like types of car insurance coverage, car insurance company ratings, rules of the road, what kind of cars to avoid purchasing, and much more. Don’t go away — car insurance coverage and rates are up first.

Table of Contents

Ohio Car Insurance Coverage and Rates

We want to start this guide by covering the basics. What kind of car insurance is required in the state of Ohio and why? What is your hard-earned money actually paying for? Should you have more car insurance than what is required?

We will definitely answer all of these questions, but first, let’s preface by looking into Ohio’s car culture.

– Ohio’s Car Culture

Normally, when you think of Ohio, you probably think of football. However, Ohio is home to over 100 different racetracks which hosts IndyCar, NASCAR, and vintage motorcycle races each year.

According to Hartford, the sport of racing in Ohio really plays a magical role in the types of cars people own and buy.

Randi Flynn, of Grove City, Ohio said, “I think people here view cars like Lexus, Mercedes, or BMW to be the ultimate social status car, but they lose their mind when they see anything more expensive than that.

I was in downtown Columbus once and a guy pulled up in a Ferrari. People came over to gawk like it was a space ship that had just landed, instead of a $200,000 car.”

– Ohio Minimum Coverage

Every driver in Ohio must have car insurance. Drivers can have cars insured for a myriad of things — everything from windshield insurance to classic car insurance. But, Ohio drivers are only required to carry what is called minimum liability insurance.

Before we get into the definition of minimum liability insurance, let’s dive into the confusing no-fault and at-fault terminology because it will help us to better understand liability insurance.

Unlike twelve or so other states in the U.S., Ohio is an at-fault state.

This means that if you cause an accident and that accident results in damages to another vehicle, property, or person, you are responsible for making a claim with your own insurance company and covering any outside costs incurred from that accident.

It seems fair and simple, right?

Okay, so this is where insurance comes into play. Insurance works like a safety net. It’s there to protect a driver from going bankrupt, but it doesn’t protect drivers from not owing a dime out of their own pocket every time a damaging accident or situation occurs.

So every month, drivers pay a premium to car insurance companies who promise to pay up to a certain amount of money if and when an accident happens.

Like we previously mentioned, by state law, drivers must carry at least a minimum amount of insurance. These numbers are different in every state in the U.S., but in Ohio, the requirements are as follows:

  • $25,000 for the injury or death of one person (a passenger, another driver, pedestrian, etc.) in an accident you cause
  • $50,000 total for all injuries or deaths resulting from a single accident you cause
  • $25,000 for any property damage arising out of a single accident you cause

Here’s what you should take away: once you exceed these dollar limits, you must pay for damages yourself. It’s always a good idea to have more insurance than the minimum required, and we will explain that in further detail below.

– Forms of Financial Responsibility

A form of financial responsibility is just a form proving that yes, you are an insured driver and yes, you do take full responsibility of payment in the case of an accident you may cause (or have caused).

At any time, a law enforcement officer may pull you over and they always ask for three things: license, registration, and proof of insurance.

Acceptable forms of proof of insurance are:

  • Valid liability insurance ID cards
  • Electronic insurance ID card
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)

If you are pulled over and cannot show proof of insurance, your license may be suspended.

An SR22 form may be required of a driver who is caught driving without insurance.

We will get into what an SR-22 form is later, but for now, keep in mind that if you are required to get an SR-22 form, your insurance rate is sure to increase.

– Premiums as a Percentage of Income

Have you ever heard of the term, income per capita?

Per capita income is the average amount of money a person makes in any given area. In 2014, the average per capita income in Ohio was $37,490.

Sometimes insurance companies will give you a break on your insurance premium because of where you live and what your state’s per capita income is.

On average, Ohio drivers pay $766.66 a year on car insurance. This means that roughly 2.04% of their annual income is spent on car insurance alone.

While Ohio’s average car insurance premium has only increased $40 or $50 dollars over the last few years and is under the national average by about $200, surrounding states like Pennsylvania and Michigan pay hundreds of dollars more for car insurance every year.

CalculatorPro

– Core Coverage in Ohio

Coverage TypeAnnual Cost (2015)
Liability$397.11
Collision$269.84
Comprehensive$121.61
Combined$788.56

The data above was pulled directly from the NAIC (National Association of Insurance Commissioners).

Because this data is a few years old, you can expect that car insurance premiums are most likely a little it higher now than back in 2015.

Minimum coverage is obviously extremely important, but it’s equally important to carry more than just liability insurance. Trust us —  you and your wallet will thank us later when you’ve just been t-boned in the middle of a busy Ohio intersection.

– Additional Liability Coverage

Loss Ratio201220132014
Medical Payments (MedPay)81.76%78.69%78.67%
Uninsured/Underinsured Motorist Coverage (UUM)58.91%56.67%54.71%

Medpay and uninsured/underinsured car insurance are two more insurance add-ons that anyone can purchase to bulk up their policy.

12.4 percent of Ohio drivers are uninsured. This means Ohio is ranked 22nd in the U.S. for uninsured drivers.

So what happens if you get into a car accident with a driver who is uninsured?

Most likely, that driver will be so financially overwhelmed with medical bills and property damage bills that he will end up broke and not be able to pay for the damages to your vehicle and/or your person.

This is why we recommend getting uninsured motorist coverage.

But let’s talk about something called loss ratio. Loss ratio is just a number that measures the amount of filed claims that have been paid and have not been paid by an insurance company.

Companies with higher loss ratios (over 100 percent) may be at risk of going bankrupt because they have paid too many claims. Some of those claims may have been illegitimate. Some could have been paid before the company found out about the fraud.

If a company has a low loss ratio, (under 50 percent) that company might be scamming its clients because it has denied legitimate claims that should have been paid.

The loss ratio numbers for Ohio’s uninsured/underinsured coverage is a little on the lower side but is within a healthy range. Just remember, when you’re looking for a new provider, make sure their loss ratio numbers are between 50-100 percent.

– Add-ons, Endorsements, and Riders

We’ve talked about a couple of insurance add-ons like MedPay and uninsured motorist coverage, but what about other types of insurance? What happens if your car gets flooded or you wreck a rental car?

Click on the links below to learn more.

Remember, you’re not limited to only having a certain amount of car insurance add-ons. Pick one, or get them all if you feel it’s necessary.

– Demographic Rates in Ohio

Now we’re getting into the nitty-gritty. What are some big factors that ultimately affect your rate?

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$2,138.70$2,132.00$1,926.78$2,060.78$5,908.09$6,758.78$2,248.98$2,403.62
American Family Mutual$943.84$980.06$862.73$866.82$2,911.29$3,161.47$1,166.31$1,228.84
Farmers Ins of Columbus$1,814.67$1,810.78$1,598.65$1,686.60$8,004.71$8,312.21$2,032.84$2,123.65
Geico Cas$1,348.45$1,310.04$1,264.91$1,276.23$3,611.17$3,359.64$1,497.90$1,269.11
Safeco Ins Co of IL$2,067.94$2,258.05$1,589.89$1,934.44$10,791.30$12,192.16$2,199.81$2,404.29
Nationwide Mutual$2,202.69$2,214.18$1,987.35$2,002.19$5,629.14$7,261.11$2,361.32$2,749.18
Progressive Specialty$1,774.30$1,672.93$1,477.06$1,525.00$7,866.04$8,860.06$2,124.39$2,195.89
State Farm Mutual Auto$1,505.94$1,505.94$1,347.85$1,347.85$4,698.43$5,902.29$1,749.20$2,005.47
Discover Prop & Cas Ins Co$1,444.26$1,466.30$1,434.68$1,427.12$6,234.90$9,849.32$1,505.60$1,719.12
USAA$895.00$902.46$851.69$850.63$2,763.43$3,076.83$1,196.59$1,291.02

Based on the dollar amounts above, marital status, gender, and age can really affect your insurance rate.

Generally, if you keep a clean record as you age, insurance companies will start to lower your rate because they know you probably have more experience and are less likely to get into an accident.

– Cheapest Rates by Zip Codes in Ohio

Did you know that where you live also affects what your rate can be? Find your zip code on the lists below.

25 Most Expensive Zip Codes in OhioCityAverage by Zip CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
43224COLUMBUS$3,667.48Progressive$5,629.87Liberty Mutual$5,580.27USAA$1,677.82American Family$1,735.02
43608TOLEDO$3,629.84Liberty Mutual$5,604.95Farmers$4,702.48USAA$1,752.21American Family$1,917.02
43211COLUMBUS$3,608.65Liberty Mutual$5,580.27Progressive$5,260.21USAA$1,602.45American Family$1,820.61
43610TOLEDO$3,603.68Liberty Mutual$5,604.95Farmers$4,702.66USAA$1,752.21American Family$1,916.61
43620TOLEDO$3,562.98Liberty Mutual$5,604.95Farmers$4,675.36USAA$1,752.21American Family$1,894.20
45225CINCINNATI$3,553.80Liberty Mutual$5,279.24Progressive$5,142.08USAA$1,615.82American Family$1,879.15
45214CINCINNATI$3,546.86Liberty Mutual$5,279.24Progressive$4,932.49USAA$1,773.59American Family$1,914.64
44510YOUNGSTOWN$3,534.06Liberty Mutual$5,196.76Farmers$4,590.33American Family$1,776.30USAA$1,871.55
44104CLEVELAND$3,529.50Liberty Mutual$5,411.26Progressive$4,557.19USAA$1,623.13American Family$1,841.35
44502YOUNGSTOWN$3,525.99Liberty Mutual$5,196.76Farmers$4,548.25American Family$1,769.59USAA$1,871.55
43604TOLEDO$3,517.76Liberty Mutual$5,604.95Farmers$4,431.29USAA$1,752.21American Family$1,854.68
44503YOUNGSTOWN$3,516.11Liberty Mutual$5,196.76Farmers$4,541.42American Family$1,769.59USAA$1,871.55
44504YOUNGSTOWN$3,514.38Liberty Mutual$5,196.76Farmers$4,585.91American Family$1,623.63USAA$1,871.55
45205CINCINNATI$3,513.17Liberty Mutual$5,279.24Progressive$4,572.49USAA$1,773.59American Family$1,896.43
43203COLUMBUS$3,511.66Liberty Mutual$5,580.27Progressive$4,524.21USAA$1,602.45American Family$1,832.09
43609TOLEDO$3,508.26Liberty Mutual$5,604.95Farmers$4,427.34USAA$1,632.21American Family$1,854.68
43219COLUMBUS$3,507.34Liberty Mutual$5,580.27Progressive$4,346.93USAA$1,485.99American Family$1,788.00
44506YOUNGSTOWN$3,500.25Liberty Mutual$5,196.76Farmers$4,531.75American Family$1,764.69USAA$1,871.55
44507YOUNGSTOWN$3,497.59Liberty Mutual$5,196.76Farmers$4,608.03American Family$1,779.08USAA$1,871.55
43612TOLEDO$3,496.23Liberty Mutual$5,604.95Farmers$4,371.09USAA$1,690.58American Family$1,827.44
43605TOLEDO$3,483.76Liberty Mutual$5,604.95Farmers$4,343.36American Family$1,663.32USAA$1,690.58
45219CINCINNATI$3,477.52Liberty Mutual$5,279.24Farmers$4,641.51USAA$1,713.89American Family$1,879.84
44127CLEVELAND$3,472.34Liberty Mutual$5,411.26Farmers$4,386.64USAA$1,623.13American Family$1,821.20
44103CLEVELAND$3,469.12Liberty Mutual$5,411.26Farmers$4,241.90USAA$1,623.13American Family$1,841.35
43205COLUMBUS$3,462.57Liberty Mutual$5,580.27Progressive$4,216.52USAA$1,547.76American Family$1,781.09

The most expensive zip code is in Columbus.

25 Least Expensive Zip Codes in OhioCityAverage by Zip CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
44883TIFFIN$2,325.38Liberty Mutual$3,357.16Nationwide$2,831.42USAA$1,301.36American Family$1,360.24
45840FINDLAY$2,340.63Liberty Mutual$3,357.16Nationwide$2,970.73USAA$1,357.45American Family$1,374.49
44861OLD FORT$2,355.45Liberty Mutual$3,357.16Farmers$3,101.73USAA$1,301.36American Family$1,362.16
45816BENTON RIDGE$2,360.76Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,272.61USAA$1,357.45
44820BUCYRUS$2,362.24Liberty Mutual$3,357.16Progressive$2,961.66American Family$1,346.67USAA$1,380.40
44830FOSTORIA$2,366.68Liberty Mutual$3,357.16Progressive$2,942.53USAA$1,301.36American Family$1,332.01
43351UPPER SANDUSKY$2,367.88Liberty Mutual$3,357.16Farmers$2,847.94American Family$1,329.32USAA$1,380.40
44809BASCOM$2,376.36Liberty Mutual$3,357.16Farmers$3,205.79USAA$1,301.36American Family$1,317.91
43330KIRBY$2,377.02Liberty Mutual$3,357.16Farmers$3,022.97American Family$1,353.85USAA$1,380.40
44845MELMORE$2,377.03Liberty Mutual$3,357.16Progressive$3,100.88USAA$1,301.36American Family$1,329.07
45875OTTAWA$2,380.80Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,363.80USAA$1,380.40
44828FLAT ROCK$2,385.20Liberty Mutual$3,357.16Farmers$3,134.66USAA$1,301.36American Family$1,362.08
44802ALVADA$2,385.94Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,317.91USAA$1,357.45
44817BLOOMDALE$2,386.88Liberty Mutual$3,357.16Nationwide$3,032.81American Family$1,291.40USAA$1,357.45
44827CRESTLINE$2,389.32Liberty Mutual$3,357.16Allstate$2,935.13American Family$1,315.21USAA$1,380.40
45891VAN WERT$2,391.83Liberty Mutual$3,639.93Nationwide$2,910.25USAA$1,380.40American Family$1,434.97
43316CAREY$2,393.94Liberty Mutual$3,357.16Farmers$2,996.09American Family$1,353.85USAA$1,380.40
45815BELMORE$2,396.47Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,276.62USAA$1,380.40
44853NEW RIEGEL$2,396.49Liberty Mutual$3,357.16Farmers$3,084.43USAA$1,301.36American Family$1,385.92
45877PANDORA$2,397.00Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,317.31USAA$1,380.40
44844MC CUTCHENVILLE$2,404.82Liberty Mutual$3,357.16Progressive$3,045.60American Family$1,329.07USAA$1,380.40
45889VAN BUREN$2,406.02Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,272.61USAA$1,357.45
44836GREEN SPRINGS$2,408.82Liberty Mutual$3,357.16Farmers$3,170.31USAA$1,301.36American Family$1,362.16
43323HARPSTER$2,409.21Liberty Mutual$3,357.16Farmers$3,026.73American Family$1,329.32USAA$1,380.40
44854NEW WASHINGTON$2,409.32Liberty Mutual$3,357.16Farmers$3,064.02American Family$1,373.19USAA$1,380.40

Tiffin, Findlay, and Old Fort have the cheapest zip codes in Ohio.

– Cheapest Rates by Cities in Ohio

The tables below show the average car insurance rates drivers pay in Ohio cities.

10 Most Expensive Cities in OhioAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Youngstown$3,471.04Liberty Mutual$5,116.26Farmers$4,491.06American Family$1,720.93USAA$1,834.62
Toledo$3,462.84Liberty Mutual$5,528.64Farmers$4,373.06USAA$1,682.66American Family$1,747.29
Blacklick Estates$3,449.06Liberty Mutual$5,580.27Progressive$4,254.54American Family$1,696.72USAA$1,699.83
Bexley$3,433.05Liberty Mutual$5,580.27Travelers$4,212.62USAA$1,705.29American Family$1,776.08
Beachwood$3,397.39Liberty Mutual$5,411.26Farmers$4,311.60USAA$1,623.13American Family$1,633.38
Ottawa Hills$3,396.30Liberty Mutual$5,604.95Nationwide$4,141.77USAA$1,632.21American Family$1,664.03
Cleveland$3,395.66Liberty Mutual$5,411.26Farmers$4,164.61USAA$1,622.29American Family$1,765.02
Columbus$3,340.94Liberty Mutual$5,580.27Travelers$4,153.84USAA$1,551.12American Family$1,683.71
Bridgetown$3,314.15Liberty Mutual$5,279.24Progressive$4,179.06USAA$1,710.83American Family$1,823.10
Cincinnati$3,303.69Liberty Mutual$5,126.55Progressive$4,086.64USAA$1,617.73American Family$1,784.34

It makes sense that car insurance is the most expensive in Toledo as it is a big city and very close to the Michigan border – where car insurance rates are usually much higher.

10 Least Expensive Cities in OhioAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Bettsville$2,325.38Liberty Mutual$3,357.16Nationwide$2,831.42USAA$1,301.36American Family$1,360.24
Findlay$2,340.63Liberty Mutual$3,357.16Nationwide$2,970.73USAA$1,357.45American Family$1,374.49
Old Fort$2,355.45Liberty Mutual$3,357.16Farmers$3,101.73USAA$1,301.36American Family$1,362.16
Benton Ridge$2,360.75Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,272.61USAA$1,357.45
Bucyrus$2,362.24Liberty Mutual$3,357.16Progressive$2,961.66American Family$1,346.67USAA$1,380.40
Fostoria$2,366.68Liberty Mutual$3,357.16Progressive$2,942.53USAA$1,301.36American Family$1,332.01
Upper Sandusky$2,367.88Liberty Mutual$3,357.16Farmers$2,847.94American Family$1,329.32USAA$1,380.40
Bascom$2,376.36Liberty Mutual$3,357.16Farmers$3,205.79USAA$1,301.36American Family$1,317.91
Kirby$2,377.02Liberty Mutual$3,357.16Farmers$3,022.97American Family$1,353.85USAA$1,380.40
Melmore$2,377.03Liberty Mutual$3,357.16Progressive$3,100.88USAA$1,301.36American Family$1,329.07

Ohio Car Insurance Companies

With literally hundreds of car insurance companies all fighting for a chance to make sure you and your vehicle are properly insured, it’s no cakewalk trying to choose just one to trust.

When you’re in the middle of a wreck, it’s important to feel cared about and protected, so that’s exactly why we gathered a list of the best car insurance companies in Ohio. Let’s dive right into AM Best ratings first.

– The Largest Companies’ Financial Rating

How do we measure a companies’ financial rating and why is this important?

Similar to loss ratios, financial ratings prove a company has good financial strength and they are not on the verge of bankruptcy. Below is a list of Ohio’s top ten largest insurance companies.

COMPANY NAMEAM BEST RATINGDIRECT PREMIUMS WRITTENLOSS RATIOMARKET SHARE
State Farm GroupA++$1,316,29764.59%19.69%
Progressive GroupA+$903,17961.44%13.51%
Allstate Insurance GroupA+$687,52751.79%10.29%
Nationwide Corp GroupA+$536,76860.88%8.03%
GeicoA++$466,53565.43%6.98%
Grange Mutual Casualty GroupA$344,39960.74%5.15%
Liberty Mutual GroupA$315,30858.71%4.72%
Erie Insurance GroupA+$222,86365.38%3.33%
USAA GroupA++$198,01669.89%2.96%
American Family Insurance GroupA$176,15357.43%2.64%

The loss ratio percentages for all of these companies look great as they are between 50-100 percent.

– Companies with Best Ratings

Customer satisfaction rank is also important when looking for a new policy and provider. According to J.D. Power, auto insurance satisfaction has reached a record high. In 2018, J.D. Power ranked insurance companies specifically by customer satisfaction.

The Auto Insurance Study examined customer satisfaction in five factors (in order of importance): interaction; policy offerings; price; billing process and policy information; and claims.

The study is based on responses from 44,622 auto insurance customers and was fielded from February-April 2018.

JD Power Rank for Ohio

According to this survey, (with the exception of USAA who only serves military members and their families) Auto-Owners Insurance was ranked highest across five states including Ohio.

– Companies with Most Complaints in Ohio

Even the highest rated companies receive complaints. Things go wrong sometimes and it’s just a part of life. How a company chooses to handle a complaint is what really matters.

Check out the data below — these companies are the top ten best car insurance companies in Ohio.

TOP PROVIDERS OF CAR INSURANCE IN OhioNational Median
Complaint Ratio
COMPANY COMPLAINT RATIO 2017TOTAL COMPLAINTS 2017
State Farm Group10.441482
Progressive Group10.75120
Allstate Insurance Group10.5163
Nationwide Corp Group10.2825
GeicoN/A0.0076
Grange Mutual Casualty Group10.6210
Liberty Mutual GroupN/A0.0076
Erie Insurance Group10.722
USAA GroupN/A02
American Family Insurance Group10.7973

– Ohio Car Insurance Rates by Company

CompanyAverageCompared to State AveragePercentage Compared to State Average
Allstate F&C$3,197.22$368.0511.51%
American Family Mutual$1,515.17-$1,314.00-86.72%
Farmers Ins of Columbus$3,423.01$593.8517.35%
Geico Cas$1,867.18-$961.98-51.52%
Safeco Ins Co of IL$4,429.74$1,600.5736.13%
Nationwide Mutual$3,300.89$471.7314.29%
Progressive Specialty$3,436.96$607.7917.68%
State Farm Mutual Auto$2,507.87-$321.30-12.81%
Discover Prop & Cas Ins Co$3,135.16$306.009.76%
USAA$1,478.46-$1,350.71-91.36%

Four companies on this list are significantly lower than the national average, so that’s good news if you’re thinking about moving to Ohio!

– Commute Rates by Companies

How far you drive each day can affect your rate as well.

Group10 Miles Commute, 6000 Annual Mileage25 Miles Commute, 12000 Annual Mileage
Allstate$3,197.22$3,197.22
American Family$1,496.84$1,533.50
Farmers$3,423.01$3,423.01
Geico$1,834.42$1,899.95
Liberty Mutual$4,429.74$4,429.74
Nationwide$3,300.89$3,300.89
Progressive$3,436.96$3,436.96
State Farm$2,445.81$2,569.94
Travelers$3,135.16$3,135.16
USAA$1,422.09$1,534.83

– Coverage Level Rates by Companies

GroupHigh CoverageMedium CoverageLow Coverage
Allstate$3,308.32$3,190.74$3,092.59
American Family$1,530.18$1,526.68$1,488.65
Farmers$3,655.55$3,370.12$3,243.37
Geico$1,935.16$1,858.73$1,807.66
Liberty Mutual$4,573.32$4,451.75$4,264.14
Nationwide$3,055.56$3,199.58$3,647.54
Progressive$3,597.09$3,408.32$3,305.47
State Farm$2,623.40$2,515.42$2,384.79
Travelers$3,178.51$3,176.78$3,050.20
USAA$1,544.99$1,477.00$1,413.38

Lower coverage might be cheaper, but higher coverage will protect you much more in the case of a serious accident.

– Credit History Rates by Companies

If you have bad credit, your rates are sure to skyrocket. On the other hand, you can save thousands of dollars sometimes by keeping your credit score in good standing.

GroupGood CreditFair CreditPoor Credit
Allstate$2,494.19$2,987.92$4,109.54
American Family$1,162.34$1,372.30$2,010.87
Farmers$3,117.43$3,273.78$3,877.82
Geico$1,495.27$1,867.18$2,239.10
Liberty Mutual$3,049.35$3,890.18$6,349.68
Nationwide$2,709.43$3,209.33$3,983.93
Progressive$3,115.60$3,335.09$3,860.18
State Farm$1,741.35$2,208.94$3,573.32
Travelers$2,849.59$3,050.60$3,505.29
USAA$1,157.84$1,358.48$1,919.04

Ohio drivers have an average credit score of 678 and more than three credit cards. This score is above the national average of 675.

– Driving Record Rates by Companies

If you had to pick one factor that decided your car insurance rate, it would probably be your driving record.

GroupWith 1 DUIWIth 1 AccidentWith 1 Speeding ViolationClean Record
Allstate$3,808.65$3,250.76$3,040.34$2,689.12
American Family$1,536.30$1,536.30$1,536.30$1,451.77
Farmers$3,544.94$3,634.83$3,688.92$2,823.36
Geico$2,645.09$1,828.67$1,725.85$1,269.11
Liberty Mutual$4,880.34$4,775.12$4,341.01$3,722.47
Nationwide$4,269.79$3,364.88$2,924.39$2,644.52
Progressive$3,156.21$4,028.09$3,599.93$2,963.60
State Farm$2,507.87$2,730.70$2,507.87$2,285.04
Travelers$4,539.26$3,009.00$2,683.62$2,308.77
USAA$1,999.49$1,521.70$1,257.56$1,135.07

Check out the major difference in rates for a driver with one DUI compared to a driver with a clean record. The rate is different by hundreds and sometimes thousands of dollars. With even one speeding ticket on your record, your rates can go up significantly.

Number of Insurers in Ohio

What is the difference between foreign and domestic insurance?

DomesticForeignTotal Number of Licensed Insurers
138851989

Domestic insurance is formed under state laws and foreign insurance is formed under laws that are applicable to every state in the U.S.

– Ohio State Laws

If you’re traveling through Ohio or moving there in the future, this section might be especially important to you.

It’s difficult to know every single state law like the back of your hand and can be frustrating when you’re pulled over for something you didn’t even know was against the law.

But don’t worry. We have pulled Ohio state driving and insurance laws so you can learn all you need to know about driving on Ohio roads — whether it’s now, or 10 years from now.

Don’t go away. We’ll cover topics like insurance fraud, how insurance laws are formed, low-cost insurance, speed limit laws, and more.

– Car Insurance Laws

If you’ve been reading this guide, you should know by now that every driver in Ohio needs car insurance. But how are car insurance laws determined?

According to the NAIC, state laws have a considerable influence on auto insurance.

Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

Ohio law requires drivers to have minimum insurance.

Ohio has a “file and use” law. This means rates/forms and laws must be filed with the state insurance department prior to their use. Specific approval is not required.

– Windshield Coverage

It gets cold in Ohio, and when we say cold, we mean temperatures land well below zero during long winter days.

Extremely cold temperatures can cause windshields to crack, and no one wants to deal with trying to drive in the snow while looking through a cracked windshield.

Unfortunately, there’s not a law that says insurance companies must replace a broken windshield in Ohio without paying a deductible first, however, some comprehensive plans may cover windshield damage.

– High-Risk Insurance

Because Ohio law states all drivers must have car insurance, there are consequences of course for driving without it.

A law enforcement officer might write you a ticket or suspend your license for driving without insurance, or, you might be required to get what’s called SR-22 insurance.

SR-22 insurance is considered high-risk insurance and you must carry this type of insurance in Ohio for a minimum of three years.

According to Sapling, in the case of Ohio SR-22 insurance, failure to keep your auto insurance policy active, by failing to pay the monthly premium or losing your coverage, will cause the SR-22 filing period to re-start from the beginning.

This means another three years minimum of costly SR-22 coverage, so it is important to keep your policy active.

Please be aware that you may also be required to get SR22 insurance if:

  • You have been convicted of a DUI
  • You have too many points on your driving record
  • You drive a sports car
  • You have been convicted of reckless driving

– Low-Cost Insurance in Ohio

Ohio does not have a low-income insurance plan currently, but if you are looking for more ways to save on your policy, always ask your provider if they carry these special discounts:

  • Homeowner’s discount
  • Good driver discount
  • Accident-free discount
  • Student discount
  • Military discount

Looking for even more ways to save? Enter your zip code in the box below and start comparing car insurance rates right now.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

– Automobile Insurance Fraud in Ohio

What is insurance fraud?

The Insurance Information Institute defines auto insurance as misrepresenting facts on an insurance application; submitting claims for injuries or damage that never occurred, services never rendered or equipment never delivered; and “staging” accidents.

Being convicted of auto insurance fraud could get you as much as a felony on your permanent record.

Worried about committing insurance fraud? Don’t pad your claim, stage an accident, or fake an injury and you should be good to go.

– Statute of Limitations

If something happens to you in an accident, you only have a certain amount of time to file a claim with your insurance company.

This is called the statute of limitations law, and it’s there to protect both the driver and the insurance company. But just how much time do you have to file those claims?

  • Personal Injury: two years
  • Property Damage: two years

You have just two years to file claims for both personal injury claims and property damage claims. This may seem like a long time to file, but two years can go by pretty fast.

– Vehicle Licensing Laws

What is a REAL ID?

As defined by Homeland Security, REAL ID is a coordinated effort by the states and the Federal Government to improve the reliability and accuracy of state-issued identification documents, which should inhibit terrorists’ ability to evade detection by using fraudulent identification.

By October 2020, Americans will not be able to fly domestically without a REAL ID.

– Penalties for Driving Without Insurance

We know it’s illegal to drive without insurance in Ohio, but what exactly are the penalties if you actually get caught?

1st Offense2nd Offense
License/plates/registration suspension until requirements are met and $100 reinstatement fee is paid; maintain special high-risk coverage on file with the BMV for three to five years; If involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)License/plates/registration suspension for one year; $300 reinstatement fee; maintain special high-risk coverage on file with the BMV for three or five years; if involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)

Remember that you need to be able to prove insurance and vehicle registration any time a law enforcement officer asks to see it.

Acceptable forms of proof of insurance are:

  • Electronic insurance card
  • Original paper insurance card
  • Insurance binder (temporary form of insurance)
  • Copy of insurance card

Now that we’ve talked about new license laws and penalties for driving without insurance, let’s move on to teen driving laws.

– Teen Driving Laws

To get a driving permit in the state of Ohio, you must be at least 15 years and six months old. Look at the chart below to learn more about restricted learners licenses.

Requirements for Getting a License in OhioDetails
Mandatory Holding Period6 months
Minimum Supervised Driving Time50 hours, 10 of which must be at night
Minimum Age16-years-old

If you have a restricted license, you must follow the laws below until you graduate to an unrestricted license.

Restricted License Laws in OhioDetails
Nighttime restrictionsmidnight-6 a.m. (first 12 months), 1 a.m.-5 a.m. (second 12 months) secondary enforcement
Passenger restrictions (family members excepted unless noted otherwise)first 12 months—no more than 1 passenger
Minimum age at which restrictions may be lifted:
Nighttime restrictions24 months (min. age: 18)
Passenger restrictions12 months (min. age: 17)

– License Renewal Procedures

Unlike many other states, Ohio drivers may not renew there license online or through the mail. It must be completed in person.

Whether you’re 25 years old or 125 years old, you must renew your Ohio license every four years.

Proof of adequate vision is also required at every renewal. For more info about license renewal procedures, check out www.iihs.org.

– New Residents

According to ohio.gov, within 30 days of establishing residency, you will need an Ohio drivers license for yourself, and an Ohio title and license plates for your vehicle.

You will also need to contact your insurance provider and let them know that you are a new resident of Ohio and you need Ohio car insurance. You must have an insurance policy that meets at least Ohio’s minimum requirements.

Minimum insurance requirements in Ohio are:

  • $25,000 for the injury or death of one person (a passenger, another driver, pedestrian, etc.) in an accident you cause
  • $50,000 total for all injuries or deaths resulting from a single accident you cause
  • $25,000 for any property damage arising out of a single accident you cause

– Negligent Operator Treatment System

Driving Laws by Nolo has a really great definition of negligent or “reckless” driving in Ohio:

In Ohio, a person can be convicted of “reckless operation” (also called “reckless driving”) for operating a vehicle “in willful or wanton disregard of the safety of persons or property.”

Generally, the term “willful” refers to conduct that is purposeful or intentional, rather than accidental. And “wanton disregard” basically means the person understood the conduct was risky but decided to do it anyway.

The consequences of a reckless driving conviction depend on the circumstances. But generally, the possible penalties are:

  • No prior traffic convictions. When a motorist has had no prior motor vehicle or traffic convictions within the past year, reckless operation is a minor misdemeanor. The maximum punishment for a minor misdemeanor is a $100 fine—jail time isn’t a possibility.
  • One prior traffic conviction. Reckless driving is a fourth-degree misdemeanor if the driver has been convicted of one motor vehicle or traffic offense within the past year. A fourth-degree misdemeanor carries up to 30 days in jail and/or a maximum $250 in fines.
  • Two prior traffic convictions. If a driver has been convicted of two or more motor vehicle or traffic offenses within the past year, reckless driving is a third-degree misdemeanor. Convicted motorists face up to 60 days in jail and/or a maximum $500 in fines.

Reckless driving is a serious crime — any Ohio judge has the right to suspend the driver’s license of a person who was convicted of reckless driving for up to three years.

– Rules of the Road

We can’t stress enough how important it is to know the rules of the road if you’re a driver. This section covers crucial info on speed limits, automation, car seat laws and more.

Keep reading as we discuss Ohio rules of the road.

– Fault vs. No-Fault

Ohio is an at-fault state. We’ve already gone over this in more detail above, but basically, this means that any driver who causes an accident is at fault for that accident.

At-fault drivers are also responsible for contacting his or her insurance company and filing a claim to cover the costs of any and all damages that resulted from the accident.

Ultimately if you cause an accident in the state of Ohio, you are responsible to pay for any damages or medical bills for any other person (and yourself) who was involved in that accident.

– Seat Belt and Car Seat Laws

Ohio wants its drivers to be safe while on the road, and that’s exactly why there are strict seat belt and car seat laws. No one wants to pay a fine for not having you or your child buckled in properly while driving in a moving vehicle.

So click it or ticket. Read these rules below if you’re unsure about seat belt or car seat laws in Ohio.

Seat Belt Laws in OhioDetails
Effective SinceMay 6, 1986
Primary Enforcementno
Age/Seats Applicable8 through 14 in all seats; 15+ years in front seat
1st Offense Max Fine$30 driver/$20 passenger

Need to brush up on car seat laws? We got your back.

Type of Car Seat RequiredAge
Rear-Facing Child Restraint3 years and younger or less than 40 pounds
Child Booster Seat4 through 7 years who weigh 40 pounds or more and who are shorter than 57 inches in a child restraint or booster seat
Adult Belt Permissible8 through 14 years

Please be aware that if you break one of these laws, you will get a $75 fine plus fees if caught.

There are of course laws that forbid riding in the cargo area of a vehicle like the bed of a truck.

However, this law does not apply if the following includes you:

  • people 16 and older
  • people 15 and younger if the vehicle is driven less than 25 mph or if the person is seated and belted in an OEM seating position
  • emergencies
  • inapplicable to pickup trucks with covered cargo areas

– Keep Right and Move Over Laws

If you are driving under the speed limit on an Ohio road, driving in the left lane is not permitted. So please, don’t make other drivers frustrated and stay on the right side of the road if you feel like driving like a turtle.

According to AAA, state law requires Ohio drivers approaching a stationary emergency vehicle displaying flashing lights, including road service vehicles, traveling in the same direction, to vacate the lane closest to if safe and possible to do so, or slow to a speed safe for road, weather, and traffic conditions.

Also included in the law are road maintenance and waste collection vehicles.

– Ohio Speed Limit Laws

No one likes to get a ticket, but don’t rely on the “I didn’t know what the speed limit was” excuse when a law enforcement officer is asking you why you were speeding in the first place.

Type of RoadwaySpeed Limit
Rural Interstates70 mph
Urban Interstates65 mph
Other Limited Access Roads70 mph
Other Roads55 mph

Keep in mind: these limits are the maximum speed you can travel at on Ohio roads.

– Ridesharing

Do you know what ridesharing is?

Ever ordered an Uber or called for a Lyft? If you are employed with either of these ridesharing companies or a different one, you must have what is called ridesharing insurance.

Currently, the following insurance companies provide ridesharing insurance in Ohio:

  • Allstate
  • Erie
  • Farmers
  • Geico
  • State Farm
  • USAA

If your insurance company does not provide ridesharing insurance, you may be forced to find another provider.

– Automation on the Road

Technology has come such a long way in such a short amount of time! It has literally allowed us to tell our car to do something. This is a simple definition of vehicle automation.

Automation can mean many different things, from cars that have automatic transmissions to cars that can drive themselves.

But what are some of the laws about automation in Ohio?

What type
of driving
automation
on public roads
does the law/provision permit?
Require an operator to be licensed?Require an operator to be in the vehicle?Require liability insurance?
testingyesnoyes

– Safety Laws

We’ve talked about futuristic vehicles and automation testing, but now let’s get into something a little more practical: safety laws.

– DUI Laws

In 2017, there were 333 alcohol-impaired fatalities in the state of Ohio.

DUI LAW IN OhioDetails
Name for OffenseOperating a Vehicle Under the Influence (OVI)
BAC Limit0.08
High BAC Limit0.17
Criminal Status1st-2nd first degree misdemeanors, 3rd misdemeanor, 4th in 6 years fourth degree felony, + in any time period third degree felony
Look Back Period10 years

Driving drunk is a serious crime in Ohio. Here’s a list of specific penalties based on the number of offenses.

Number of OffenseALS or RevocationImprisonmentFineOther
1st Offense6 months minimum, but up to 3 years; 15 days before elegible for restricted driving privileges with IID3 days jail or 3 days DIP - 6 months(If court grants unrestricted driving privilege with IID, mandatory jail time suspended.)$250-$1075; license reinstatement fee $4756 points on driving record; up to 5 years probation, optional treatment order, optional restricted plates
2nd Offense1-7 years; no driving privileges for 45 days10 days jail or 5 days jail and 18 days house arresnt with monitoring -6 months incarceration$350-$1625 +license reinstatement fee of $475up to 5 years probation, restricted plates required, mandatory assessment and treatment, IID required, 90 day vehicle immobilization for those registered to offender, 6 points on license
3rd Offense1-12 years; no driving privileges for 180 days30 days jail OR 15 days kail and 55 days house arrest with monitoring - 1 year incarceration$350-$2750 +$475 license reinstatement feeup to 5 years probation, mandatory addiction program, restricted plates required, IID required, possible forfeiture of vehicle registered to offender, 6 points on license
4th OffenseFelony charges

By your fourth drunk driving offense, you have committed a felony. But whether it’s your first offense or your seventh, drunk driving is taking a risk every time you do it. It will cost you jail time, fines, points on your record, and maybe even someone else’s life or your own.

Don’t drink and drive — it’s against the law.

– Marijuana-Impaired Driving Laws

Driving under the influence doesn’t just mean alcohol. It is also illegal to use drugs while driving. If you are operating a vehicle with more than two nanograms THC per se in your system, you can be convicted of marijuana-impaired driving.

Were you using some other drug recreationally and illegally when you were pulled over? Just because there isn’t a law about a specific drug, doesn’t mean you can’t be convicted of impaired driving.

Remember, if you are convicted of impaired driving, your insurance company is sure to raise your rates.

– Distracted Driving Laws

When we’re talking about distracted driving, we mean something very specific. Technology is an amazing thing, but using a cell phone while driving has gotten a little out of hand. Studies show that texting while driving is worse than driving drunk.

Look below for laws about cell phone usage while driving in Ohio.

Hand-held BanYoung Drivers All Cellphone BanTexting BanEnforcement
nodrivers younger than 18all driverssecondary; primary for drivers younger than 18

What does primary enforcement mean? Police officers have the right to pull you over even if they just suspect that you are texting and driving.

Driving in Ohio

Since we’ve covered insurance costs, the rules of the road, and driving laws, it’s time to move on to Ohio’s can’t-miss driving facts. That’s right — in this section, we want to talk about road risks, vehicle theft, traffic congestion, and more.

Knowing these things will help you to not only decide what type of car insurance is good for you, but it will also help out if you are considering purchasing a new vehicle.

Based on this data, some cars just need to be more insured than others. It’s just the way the cookie crumbles.

First, we will cover vehicle theft.

– Vehicle Theft in Ohio

Did you know some vehicles are more often stolen than others?

Check out this list below to see if your car is popular among thieves.

VehicleYear of VehicleNumber of Thefts
Dodge Caravan2003679
Chevrolet Pickup (Full Size)1999579
Ford Pickup (Full Size)2004540
Jeep Cherokee/Grand Cherokee2000467
Chevrolet Impala2007441
Honda Accord1997437
Chevrolet Malibu2015343
Honda Civic2000325
Toyota Camry2014308
Dodge Pickup (Full Size)2005297

Where you live has a lot to do with vehicle theft as well. This list below is pulled from the FBI. It shows the average number of vehicle thefts by city in Ohio.

CityMotor
vehicle
theft
Ada0
Akron631
Albany0
Alliance22
Amberley Village6
Amelia1
American Township5
Amherst3
Arcanum2
Ashland6
Ashville1
Athens4
Aurora5
Austintown27
Bainbridge Township1
Barberton24
Batavia0
Bath Township, Summit County2
Bazetta Township6
Beavercreek33
Beaver Township4
Bedford45
Bellaire1
Bellbrook1
Bellefontaine9
Belpre4
Berea13
Bethel1
Beverly0
Bexley12
Blanchester3
Blendon Township13
Blue Ash9
Bluffton0
Bowling Green11
Brecksville0
Brewster0
Bridgeport0
Brimfield Township6
Broadview Heights0
Brooklyn68
Brookville7
Brunswick17
Brunswick Hills Township4
Bryan0
Burton0
Cambridge21
Canal Fulton2
Canfield2
Canton438
Cardington2
Celina11
Centerville18
Chagrin Falls2
Champion Township12
Chardon0
Chillicothe33
Cincinnati1,276
Circleville59
Clayton21
Clearcreek Township1
Cleveland4,125
Cleveland Heights76
Clinton Township10
Coalton1
Coitsville Township2
Colerain Township46
Columbiana2
Commercial Point0
Conneaut5
Cortland0
Covington0
Crestline2
Cuyahoga Falls35
Danville1
Dayton615
Deer Park3
Defiance2
Delaware37
Delhi Township17
Delphos4
Delta1
Dover3
Dublin8
Eastlake12
East Palestine2
Eaton16
Englewood14
Evendale6
Fairborn24
Fairfax1
Fairfield46
Fairfield Township12
Fairport Harbor6
Findlay27
Forest Park31
Fort Recovery0
Franklin Township2
Fredericktown1
Fremont17
Gahanna15
Galion10
Gallipolis4
Gates Mills1
Georgetown1
Germantown1
German Township, Clark County0
German Township, Montgomery County0
Girard10
Goshen Township, Mahoning County7
Grafton1
Grandview Heights6
Greenfield6
Greenhills0
Greenville15
Grove City46
Groveport9
Hamilton202
Hamilton Township, Warren County5
Harrison5
Hartville2
Heath22
Hebron0
Highland Heights4
Hilliard27
Hillsboro6
Hinckley Township1
Holland2
Howland Township18
Hubbard7
Hubbard Township4
Huber Heights46
Hudson5
Hunting Valley0
Independence0
Indian Hill0
Jackson9
Jackson Center3
Jackson Township, Montgomery County2
Jackson Township, Stark County23
Johnstown0
Kent16
Kenton2
Kettering60
Kirtland2
Kirtland Hills0
Lawrence Township6
Lebanon14
Liberty Township7
Lima95
Lithopolis0
Lockland18
Lodi2
Logan10
London4
Lorain79
Loudonville1
Louisville6
Loveland1
Lowellville0
Lyndhurst0
Madeira1
Mansfield74
Mariemont0
Marietta7
Martins Ferry2
Marysville8
Mason13
Massillon31
Matamoras0
Maumee19
McArthur2
McConnelsville0
Medina0
Medina Township1
Mentor40
Miamisburg25
Miami Township, Clermont County17
Miami Township, Montgomery County26
Middlefield1
Middleport1
Middletown95
Mifflin Township6
Milford3
Millersburg4
Minerva Park0
Monroe11
Monroeville2
Montgomery2
Montpelier2
Montville Township0
Moraine17
Moreland Hills0
Mount Vernon1
Napoleon1
Navarre3
Nelsonville5
New Albany0
Newark74
New Boston8
Newcomerstown3
New Concord0
New Franklin2
New Lebanon4
New Lexington1
New London0
New Philadelphia3
Newtown2
Niles28
North Canton12
North College Hill23
North Ridgeville5
Northwood6
Norton8
Norwalk3
Norwood40
Oak Harbor1
Oak Hill1
Oberlin2
Obetz12
Olmsted Falls0
Olmsted Township4
Ontario7
Oregon30
Orrville0
Ottawa Hills3
Oxford13
Painesville9
Parma Heights12
Paulding0
Perrysburg11
Perrysville0
Perry Township, Columbiana County0
Perry Township, Franklin County0
Perry Township, Montgomery County5
Pierce Township4
Pioneer0
Piqua23
Poland Township2
Poland Village0
Port Clinton2
Portsmouth51
Powell2
Powhatan Point0
Reminderville3
Richfield4
Richmond Heights23
Richwood3
Rio Grande0
Rittman9
Riverside46
Rocky Ridge0
Roseville1
Rossford1
Russell Township0
Sabina2
Sagamore Hills1
Salem6
Salineville0
Sandusky21
Sebring1
Seven Hills1
Shaker Heights49
Shawnee Township3
Sheffield Lake1
Shelby5
Sidney21
Silverton16
Solon13
South Bloomfield4
South Charleston2
South Euclid15
South Point0
South Russell0
Spencerville0
Springboro7
Springdale31
Springfield236
Springfield Township, Hamilton County57
Springfield Township, Mahoning County3
Springfield Township, Summit County8
St. Clair Township0
Stow3
Strasburg1
Streetsboro1
Strongsville20
Struthers3
Sugarcreek Township2
Sylvania Township34
Tallmadge10
Tipp City5
Toledo41,064
Toronto0
Trotwood88
Troy25
Twinsburg8
Uhrichsville3
Union3
Uniontown5
University Heights6
Upper Arlington3
Upper Sandusky1
Urbana3
Utica5
Vandalia32
Van Wert2
Vermilion3
Village of Leesburg2
Wadsworth8
Waite Hill0
Walbridge0
Walton Hills0
Wapakoneta2
Warren130
Warren Township5
Washington Court House5
Waterville0
Wauseon0
Waverly1
Weathersfield6
Wellston12
Wells Township2
West Alexandria0
West Carrollton35
West Chester Township29
Westerville9
West Jefferson9
West Lafayette1
West Liberty1
Whitehall72
Whitehouse2
Williamsburg2
Willoughby20
Wintersville1
Woodlawn4
Woodmere Village0
Wooster25
Worthington5
Wyoming8
Xenia25
Yellow Springs0
Youngstown297
Zanesville32

Some of these cities show the total number of thefts as zero, and no, that’s not a typo, that’s facts.

– Road Fatalities in Ohio

Now it’s time to get into something a little harder to swallow: road fatalities. What causes them? Where do they happen the most? What type of person causes them the most and why?

– Fatal Crashes by Weather Condition and Light Condition

If the weather is crumby and the roads are icy or slippery, accidents may happen a little more frequently than they would otherwise. But does weather condition really play a role when it comes to fatalities that happen by car crashes?

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal507172237421959
Rain3621284190
Snow/Sleet124121029
Other1172011
Unknown003025
TOTAL5561982874941,094

– Fatalities (All Crashes) by County

Some counties are notorious for having more fatal crashes than others. Where does your county fall on this list?

CountyFatalities
2013
2014201520162017Fatalities
Per 100k
Population
2013
2014201520162017
Adams County255547.1217.8217.9117.9614.43
Allen County79814116.678.587.6913.5110.66
Ashland County585699.4115.069.3911.2316.78
Ashtabula County20918161720.069.0918.2916.317.38
Athens County71356110.8620.117.69.051.5
Auglaize County10784421.8315.317.498.738.74
Belmont County1161041015.818.6514.55.8314.7
Brown County7555715.8611.3811.4411.4616.06
Butler County19292923315.127.777.726.098.14
Carroll County4534514.1617.7710.8214.4718.26
Champaign County61511615.212.5612.8428.415.45
Clark County141624121710.2511.7417.78.9112.63
Clermont County212616191110.4812.917.939.365.39
Clinton County41233109.5628.727.177.1623.8
Columbiana County112088510.3918.957.657.714.85
Coshocton County2771165.4519.1619.1430.0216.42
Crawford County6751314.0516.5111.832.387.19
Cuyahoga County56467582954.433.645.966.547.61
Darke County67137411.4713.4225.0213.567.76
Defiance County4876910.3820.7918.2915.7423.59
Delaware County10121323145.46.346.7311.696.98
Erie County1051111813.166.614.6114.6810.69
Fairfield County9161412146.0510.649.267.869.05
Fayette County8799727.9124.4531.4931.424.35
Franklin County76748594886.255.996.787.46.81
Fulton County12111111928.4525.9426.0225.9921.28
Gallia County4162613.073.319.946.6720.02
Geauga County101410161110.6614.910.6517.0511.71
Greene County45811222.443.044.886.6613.19
Guernsey County97191022.6717.642.5422.9625.58
Hamilton County38495462584.726.076.687.657.13
Hancock County68101847.9510.6413.2523.815.28
Hardin County9364628.369.4418.9812.7419.13
Harrison County4635425.6438.6619.4932.7726.29
Henry County22105107.197.2536.418.3436.78
Highland County5379411.586.9616.320.939.31
Hocking County6144620.943.4814.0414.0921.07
Holmes County6344513.766.859.129.1311.37
Huron County96109615.3210.2517.1615.4110.26
Jackson County73571021.349.1515.3521.5230.82
Jefferson County3611144.48.8416.31.496.03
Knox County366864.949.859.8513.159.79
Lake County1410141196.094.356.14.83.91
Lawrence County7453411.326.58.214.946.64
Licking County14192320308.3111.2213.511.6417.3
Logan County6893913.2217.5919.896.6419.86
Lorain County14103438334.623.2911.1412.3910.72
Lucas County34413435497.89.447.858.0911.37
Madison County4985109.2520.4818.1411.5322.71
Mahoning County251822211910.677.729.499.128.27
Marion County1113581216.6819.767.6512.2418.47
Medina County215118181.158.536.254.5210.09
Meigs County5365421.3312.8925.8821.5717.33
Mercer County7454717.249.8212.289.8317.13
Miami County9101114138.729.6410.5813.4112.37
Monroe County3423320.6727.8414.0221.2821.51
Montgomery County554256604910.317.8910.5411.299.22
Morgan County4066426.84040.6940.6427.19
Morrow County11512101231.5714.3134.3328.6134.29
Muskingum County913106910.5115.1411.616.9810.45
Noble County3542020.4634.4427.6713.850
Ottawa County9746621.9317.119.8114.8214.76
Paulding County6346231.3415.8121.131.8510.61
Perry County344528.3311.1411.1213.885.55
Pickaway County14135131024.8522.938.7822.617.29
Pike County81133828.1738.8610.6210.6228.3
Portage County128211497.434.9312.948.635.55
Preble County651081614.412.0524.2319.4638.91
Putnam County05333014.638.828.828.86
Richland County912176107.369.8413.984.958.29
Ross County109720712.9411.689.08269.05
Sandusky County101110121116.6618.3916.8220.2418.58
Scioto County1091311812.811.6516.9314.4310.54
Seneca County143431125.085.387.25.4219.91
Shelby County68581112.2116.3510.2116.4222.56
Stark County26441932336.9311.725.078.578.86
Summit County29322541475.355.94.627.598.68
Trumbull County211218141210.185.858.856.945.99
Tuscarawas County8876208.648.647.556.4921.67
Union County869641511.1816.5910.827.05
Van Wert County7435424.7114.1310.617.7514.18
Vinton County3776322.5552.9953.5146.0822.91
Warren County17101516157.764.526.77.066.55
Washington County96671314.679.829.8411.5621.52
Wayne County11181413209.5415.5512.0611.1717.24
Williams County46910410.6916.1424.3327.0810.87
Wood County191530131614.7411.6123.2210.0212.26
Wyandot County134234.4513.4718.059.0713.62

– Traffic Fatalities Rural vs Urban

Most people think that fatal crashes occur more in the city than in the country because there are more cars on the roads. However, this is generally not the case at all.

Because a city is usually better equipped with emergency services, fewer fatalities happen in the city than in the country where hospitals and fire stations are fewer and farther between.

Road Type2008200920102011201220132014201520162017
Rural762660713661640513496492508552
Urban429362366356481471506610614620
Unknown00100548107
Total1,1911,0221,0801,0171,1219891,0061,1101,1321,179

– Fatalities by Person Type

 Person Type20132014201520162017
OccupantsPassenger Car427469449471545
Light Truck - Pickup105891049992
Light Truck - Utility121130130135145
Light Truck - Van4642584043
Large Truck2714281418
Other/Unknown Occupants181820108
Total Occupants744764793773851
Light Truck - Other02440
MotorcyclistsTotal Motorcyclists132136168199157
NonoccupantsPedestrian8587116134142
Bicyclist and Other Cyclist1911251819
Other/Unknown Nonoccupants988810
Total Nonoccupants113106149160171
TotalTotal9891,0061,1101,1321,179

– Fatalities by Crash Type

The type of crash is also a factor on whether or not there will be fatalities resulting from the accident.

Crash Type20132014201520162017
Total Fatalities (All Crashes)9891,0061,1101,1321,179
(1) Single Vehicle560540593593641
(2) Involving a Large Truck131130167123164
(3) Involving Speeding273274207257252
(4) Involving a Rollover232253231241254
(5) Involving a Roadway Departure590625658670670
(6) Involving an Intersection (or Intersection Related)217256295320327

– Five-Year Fatality Trend For The Top 10 Counties

Below is the five-year fatality trend from 2013-2017.

County20132014201520162017
Cuyahoga County5646758295
Franklin County7674859488
Hamilton County3849546258
Lucas County3441343549
Montgomery County5542566049
Summit County2932254147
Lorain County1410343833
Stark County2644193233
Butler County1929292331
Licking County1419232030

– Fatalities Involving Speeding by County

Sometimes speeding can cost you more than a ticket – it may cost you your life or someone else’s.

CountyFatalities
2013
2014201520162017Fatalities
Per 100k
Population
2013
2014201520162017
Adams County110203.563.5607.190
Allen County211221.90.950.961.931.94
Ashland County321225.653.771.883.743.73
Ashtabula County621466.022.021.024.076.13
Athens County231013.14.641.5201.5
Auglaize County313006.552.196.5600
Belmont County432325.754.332.94.382.94
Brown County0220004.554.5800
Butler County796451.892.411.61.061.31
Carroll County200007.080000
Champaign County201215.0702.575.162.57
Clark County464212.934.42.951.490.74
Clermont County5156312.57.452.971.480.49
Clinton County342017.179.574.7802.38
Columbiana County480303.787.5802.890
Coshocton County220415.455.48010.922.74
Crawford County0320107.084.7302.4
Cuyahoga County26183134342.061.432.462.712.72
Darke County100001.910000
Defiance County0330207.87.8405.24
Delaware County624403.241.062.072.030
Erie County212522.631.322.666.672.67
Fairfield County221001.341.330.6600
Fayette County134133.4910.4813.993.4910.43
Franklin County101691580.821.290.721.180.62
Fulton County110002.372.36000
Gallia County101023.2703.3206.67
Geauga County251312.135.321.073.21.06
Greene County0131200.611.830.611.2
Guernsey County220445.045.04010.210.23
Hamilton County1213516171.491.610.621.982.09
Hancock County0211202.661.321.322.64
Hardin County0101103.1503.183.19
Harrison County131216.4119.336.513.116.57
Henry County102213.607.287.333.68
Highland County103212.3206.994.652.33
Hocking County3122110.473.487.027.053.51
Holmes County220014.594.57002.27
Huron County111411.71.711.726.851.71
Jackson County111123.053.053.073.076.16
Jefferson County213032.931.474.4504.52
Knox County221023.293.281.6403.26
Lake County534022.181.311.7400.87
Lawrence County302024.8503.2803.32
Licking County561492.973.540.592.335.19
Logan County121012.24.42.2102.21
Lorain County4241181.320.661.313.592.6
Lucas County10136572.292.991.381.161.62
Madison County114232.312.289.074.616.81
Mahoning County832653.411.290.862.612.18
Marion County110001.521.52000
Medina County134250.571.712.271.132.8
Meigs County00121004.318.634.33
Mercer County0000100002.45
Miami County300232.91001.922.85
Monroe County0101106.9607.097.17
Montgomery County1991516133.561.692.823.012.45
Morgan County2011213.4206.786.7713.6
Morrow County212225.742.865.725.725.72
Muskingum County450344.675.8203.494.64
Noble County00120006.9213.850
Ottawa County00110002.452.470
Paulding County00100005.2800
Perry County210015.562.78002.78
Pickaway County350125.328.8201.743.46
Pike County130133.5210.603.5410.61
Portage County415122.480.623.080.621.23
Preble County111252.42.412.424.8712.16
Putnam County0111202.932.942.945.9
Richland County157230.824.15.751.652.49
Ross County330903.883.89011.70
Sandusky County562218.3310.033.363.371.69
Scioto County223302.562.593.913.930
Seneca County200003.580000
Shelby County221234.074.092.044.16.15
Stark County51339101.333.460.82.412.68
Summit County1411212102.582.030.372.221.85
Trumbull County844323.881.951.971.491
Tuscarawas County2332102.163.243.242.1610.83
Union County511209.371.861.843.610
Van Wert County120103.537.0703.550
Vinton County00111007.647.687.64
Warren County434321.831.361.791.320.87
Washington County134451.634.916.566.618.28
Wayne County232431.732.591.723.442.59
Williams County130212.678.0705.422.72
Wood County532123.882.321.550.771.53
Wyandot County0200008.98000

– Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

Driving drunk is a huge factor when it comes to road fatality rates in Ohio.

CountyFatalities
2013
2014201520162017Fatalities
Per 100k
Population
2013
2014201520162017
Adams County112203.563.567.167.190
Allen County222451.91.911.923.864.85
Ashland County121221.883.771.883.743.73
Ashtabula County747757.024.047.117.135.11
Athens County231003.14.641.5200
Auglaize County130102.186.5602.180
Belmont County313124.311.444.351.462.94
Brown County131002.276.832.2900
Butler County6117891.622.951.862.122.36
Carroll County00101003.6103.65
Champaign County00232005.147.745.15
Clark County897225.866.615.161.491.49
Clermont County2676212.983.472.960.98
Clinton County221014.784.792.3902.38
Columbiana County271531.896.630.964.822.91
Coshocton County0224105.485.4710.922.74
Crawford County00101002.3702.4
Cuyahoga County19252934321.51.982.312.712.56
Darke County125221.913.839.623.873.88
Defiance County142232.610.395.235.257.86
Delaware County226431.081.063.112.031.5
Erie County00341003.985.341.34
Fairfield County424542.691.332.653.272.59
Fayette County211136.983.493.53.4910.43
Franklin County20272534271.642.191.992.682.09
Fulton County304217.1109.464.732.36
Gallia County301039.803.32010.01
Geauga County163421.076.383.24.262.13
Greene County222551.221.221.223.033
Guernsey County4102310.072.5205.17.67
Hamilton County23181620222.862.231.982.472.7
Hancock County243312.655.323.973.971.32
Hardin County000200006.370
Harrison County0122006.4412.9913.110
Henry County005240018.27.3314.71
Highland County112312.322.324.666.982.33
Hocking County203006.98010.5300
Holmes County100002.290000
Huron County102311.703.435.141.71
Jackson County5104215.243.05012.296.16
Jefferson County144011.475.95.9301.51
Knox County230033.294.92004.9
Lake County423671.740.871.312.623.04
Lawrence County211013.231.631.6401.66
Licking County3334101.781.771.762.335.77
Logan County121012.24.42.2102.21
Lorain County741011102.311.313.283.593.25
Lucas County11131210182.522.992.772.314.18
Madison County134112.316.839.072.312.27
Mahoning County157680.432.143.022.613.48
Marion County340224.556.0803.063.08
Medina County156440.572.843.412.262.24
Meigs County00213008.634.3113
Mercer County00203004.9107.34
Miami County113310.970.962.892.870.95
Monroe County110116.896.9607.097.17
Montgomery County162019172033.763.583.23.76
Morgan County101016.7106.7806.8
Morrow County103122.8708.582.865.72
Muskingum County212302.341.162.323.490
Noble County121106.8213.786.926.920
Ottawa County222024.874.894.9104.92
Paulding County2003010.450015.920
Perry County210205.562.7805.550
Pickaway County330355.325.2905.218.65
Pike County0201107.0703.543.54
Portage County233431.241.851.852.471.85
Preble County133112.47.237.272.432.43
Putnam County0121102.935.882.942.95
Richland County526244.091.644.931.653.32
Ross County402405.1802.65.20
Sandusky County212423.331.673.366.753.38
Scioto County423205.122.593.912.620
Seneca County221063.583.591.8010.86
Shelby County232454.076.134.088.2110.25
Stark County1016410102.674.261.072.682.68
Summit County121461892.222.581.113.331.66
Trumbull County244220.971.951.970.991
Tuscarawas County511185.41.081.081.088.67
Union County00320005.533.610
Van Wert County0000000000
Vinton County0110107.577.6407.64
Warren County541152.281.810.450.442.18
Washington County103141.6304.921.656.62
Wayne County141420.873.450.863.441.72
Williams County113202.672.698.115.420
Wood County236341.552.324.642.313.07
Wyandot County00100004.5100

– Teen Drinking and Driving

Ohio ranks 43rd in the U.S. for DUI arrests in teenagers under 18 years old.

DUI Arrest (Under 18 years old)DUI Arrests (Under 18 years old) Total Per Million PeopleRank
8432.1643

Even though these statistics may seem high, Ohio ranks far below the national average for under-21 alcohol-impaired driving fatalities.

– EMS Response Time

Seconds can literally mean the difference between life and death when it comes to EMS response time. EMS response time is normally much faster in the city than it is in more rural locations.

This may be because there are more EMS services located in city areas than there are in the country.

LocationTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatal Crashes
Rural9 mins11.43 mins37.58 mins53.65 mins507
Urban4.51 mins6.69 mins25.75 mins35.87 mins580

– Transportation

How many cars do you own? Some car insurance companies may give you a multi-car discount.

– Car Ownership in Ohio

According to Data USA, the following chart displays the households in Ohio distributed between a series of car ownership buckets compared to the national averages for each bucket.

The largest share of households in Ohio have two cars, followed by three cars.

The orange bars illustrate Ohio’s average while the gray bars illustrate the national U.S. average.

Car Ownership in Ohio

– Commute Time

Using averages, employees in Ohio have a shorter commute time (22.6 minutes) than the normal US worker (25.5 minutes). Additionally, 1.61% of the workforce in Ohio have “super commutes” in excess of 90 minutes.

The chart below shows how the median household income in Ohio compares to that of it’s neighboring and parent geographies.

Commute Time in Ohio

– Commuter Transportation

In 2017, the most common method of travel for workers in Ohio was driving alone followed by those who carpooled and those who worked from home.

Commuter Transportation in Ohio

– Traffic Congestion in Ohio

According to Inrix, Ohio has four cities that rank pretty high for traffic congestion: Columbus, Cleveland, Cincinnati, and Toledo.

URBAN AREA2018 World RankHOURS LOST IN CONGESTIONCOST OF CONGESTION (PER DRIVER)INNER CITY TRAVEL TIME (MINUTES)
Columbus, OH13571$9904
Cleveland, OH161628694
Cincinnati, OH16960$8344
Toledo, OH21336$5073

We hope this insurance guide has been helpful to you. Since you have all of the information needed to purchase car insurance, it’s time to start shopping. Use our free, simple tool by entering your zip code here to get started.

Happy shopping.