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Car Insurance in Ohio (Updated May 2024)

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Ohio Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Ohio however, drivers are paying 30% less for car insurance than the national average, with Full Coverage costing Ohio drivers an average of $131 per month

Similar to other states, the rates in Ohio can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Ohio. Read on to learn more about properly insuring your car in Ohio. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Ohio Car Insurance Laws

In Ohio, operating a motor vehicle without minimum liability coverage is illegal. Minimum liability coverage reimburses other individuals for injuries or property damage if you’re at fault for the accident. 

Ohio’s car insurance minimums are:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of two or more people
  • $25,000 for property damage

Ohio’s liability coverage requirements are equivalent to those of most other states.

If you purchase a vehicle using a car loan or lease, the lender may require you to obtain additional collision and comprehensive coverage. Collision and comprehensive coverage help pay for repairing your vehicle and cover medical expenses after an accident.

Proof of Insurance

“ Driv

without insurance
you'll lose your driver's license on [your first offense]. ” 

Driving without insurance in Ohio carries stiff penalties. On the first offense, you’ll lose your driver’s license, plates, and registration until you prove you have sufficient insurance coverage and pay $40 for reinstatement fees. You face an automatic one-year suspension of your driver’s license, license plates, and vehicle registration and a $300 fine for a second offense. Those with more than two convictions lose driving privileges for two years and must pay a $600 fine. 

If you’re involved in an accident without insurance, you may receive a two-year security suspension and an indefinite judgment suspension. 

There is no Ohio new car insurance grace period, so obtaining insurance before driving a newly purchased vehicle is vital.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Ohio?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Ohio?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Ohio?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based 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 assume no unique benefits or discounts are applied for these rates. Your own rates may be different.