Cheap Car Insurance in Ohio
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Nearly six out of 10 American drivers feel they are overpaying for auto insurance. Do your car insurance rates feel exorbitant? Read on to discover how to secure cheap car insurance in Ohio with reliable insurance providers and ways to maximize savings.
Average Car Insurance Costs in Ohio
Ohio drivers pay an average of $1,572 annually or $131 monthly for full coverage auto insurance, while minimum coverage car insurance costs significantly less. This rate is slightly lower than the national average cost of $1,588 for a full coverage policy.
Cheapest Car Insurance Companies in Ohio
You must purchase the state minimum car insurance in Ohio to drive legally in the state. Here are worthwhile options if you're shopping for affordable car insurance in Ohio for minimum coverage.
Best for Minimum Coverage
| Cheapest Car Insurance Provider | Average Monthly Minimum Coverage Rate |
|---|---|
| USAA (must have a military affiliation to apply) | $23 |
| Erie Insurance | $24 |
| Auto-Owners Insurance | $32 |
| Travelers Insurance | $34 |
Minimum coverage can enable you to meet Ohio's minimum insurance requirements for drivers and lower your insurance premium. But there's a catch. If you're at fault for a severe accident, the damages you're liable for could exceed your auto insurance coverage limits. That's where full coverage insurance comes in.
Best for Full Coverage
| Cheapest Car Insurance Provider | Average Monthly Full Coverage Rate |
|---|---|
| Erie Insurance | $107 |
| Travelers Insurance | $109 |
| The Hartford | $111 |
| Auto-Owners Insurance | $121 |
| Nationwide Insurance | $122 |
| Farmers Insurance | $125 |
| American Family Insurance | $125 |
| AAA Insurance | $127 |
| Allstate | $127 |
| Liberty Mutual | $131 |
| Progressive Insurance | $131 |
| Safeco | $134 |
| Esurance | $135 |
| The General | $143 |
| MetLife Auto | $153 |
Factors That Impact Car Insurance Rates in Ohio
Your auto insurance rates may vary significantly based on various factors. Top factors that can impact the cost of your car insurance in Ohio include:
- Driving history and claims: You'll pay less for car insurance if you have a clean driving record or no claims history.
- ZIP code and local risk factors: Your location can greatly impact your auto insurance rates because accidents and car theft happen more often in some cities than others.
- Credit history: Ohio car insurers can use your credit score to determine your premiums. If you have poor credit, you'll likely pay higher premiums because you're more likely to file a claim.
Serious traffic violations can also adversely impact your insurance costs. If you're deemed a high-risk driver due to a serious infraction like a DUI conviction, Ohio law will require you to get SR-22 Insurance in Ohio. This can make your car insurance more costly.
Ways To Save on Car Insurance in Ohio
Your car insurance doesn't have to cost an arm and a leg. Use these tips to find cheap auto insurance in Ohio without compromising on your coverage:
- Apply for car insurance discounts: Many car insurance companies offer discounts. For instance, you might qualify for a discount if you have a safe driving record or have served in the military. Ask your insurer for an overview of possible discounts.
- Bundle insurance policies: You can lower insurance costs by bundling your car insurance with other policies, such as homeowners, renters, or condo insurance.
- Enroll in a telematics program: Some insurers offer telematics programs that track driving habits. Joining these programs can lower your insurance costs if you observe safe driving habits.
- Compare quotes from multiple companies: Different auto insurance providers in Ohio offer different rates. So shop around to find the cheapest option that offers the best value.
These are just a few savvy ways to lower auto insurance costs. Check out our comprehensive guide on how to lower car insurance for more tips on locking in cheap car insurance.
Ohio’s Minimum Car Insurance Requirements
Minimum car insurance requirements vary across states. In Ohio, drivers must meet these minimum state insurance requirements to drive legally:
- $25,000 in bodily injury liability coverage per person and $50,000 per accident
- $25,000 in property damage liability coverage per accident
If you lease a vehicle or purchase it using a loan, you'll need to purchase collision and comprehensive coverage to cover your car repairs and medical expenses post-accident.
How To Compare Car Insurance Quotes Effectively
It's wise to compare quotes to find the best auto insurance rates in Ohio. When looking at quotes from different insurers, pay close attention to the following factors:
- Coverage types and limits: Make sure you aren't comparing apples and oranges. For example, if one quote includes comprehensive coverage and another omits it, it's not an equal comparison. Also, consider how much coverage you want. Old, low-value cars generally don't require extensive coverage.
- Deductibles: Quotes with low premiums might seem alluring, but they often come with higher deductibles. When comparing quotes, make sure the deductibles are similar.
- Insurer reviews: Affordable rates won't matter if the insurer takes an eternity to process your claim and has poor customer service. Check third-party review websites to assess how customers rate different insurers.
Want to get cheap car insurance quotes in Ohio without perusing various documents to find information buried in the fine print? Use an intuitive quote aggregator like EverQuote to simplify the comparison process.
Compare the Best Cheap Car Insurance Options for You
Ready to save on auto insurance? Our free quote comparison tool makes it easy to find cheap car insurance in Ohio. You'll simply need to enter your ZIP code, answer a few questions, and voila! You'll get a list of the most affordable auto insurance providers in Ohio. Get your personalized quote today and cut down on car insurance costs.
FAQs
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.