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How much is car insurance in Ohio? Most drivers in the state of Ohio pay significantly less for auto insurance than the national average. The average cost of auto insurance in Ohio is $702.59 a year. The national average cost of auto coverage is $889.01.
Prices may vary depending on your zip code and driving history.
|Total Cost Per Year||$702.59|
|Price Per Month||$58.54|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Ohio insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Ohio car insurance rates increased from $619 in 2011 to $702 in 2015, a jump of $82, or 13.37 percent.
Shopping around and comparing auto insurance quotes in Ohio is important, but who has the time and energy for it? Well, if you use QuoteWizard, you won’t have to worry about either.
That’s because QuoteWizard will connect you to multiple companies so you can compare car insurance rates and get coverage that fits your needs.
Last year, 116,334 people used QuoteWizard to compare car insurance quotes in Ohio from multiple companies and find the cheapest rates.
Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Ohio. Out of the 116,334 Ohio drivers that used QuoteWizard to request insurance quotes last year, 15,977 had no car insurance.
These are the top vehicles owned by Ohio drivers requesting car insurance quotes through QuoteWizard last year.
The law requires that all Ohio drivers retain minimum coverage standards across all vehicles registered in their names. While policies vary from company to company, Ohio has a minimum coverage requirement called the 25/50/25 rule. That means driver policies must include the following:
Remember that these are the minimum levels. Work with your policy provider to ensure you have at least the required coverage before adding on additional elements to your policy.
One of the biggest threats on the road in Ohio is distracted driving. All it takes is looking down at your phone at the wrong moment to cause a crash. On top of that, over 10 percent of Ohio’s drivers are uninsured. You can see how these two factors present a danger to you. An accident involving an uninsured (and potentially distracted) driver can hit your pocketbook hard. Fortunately, insurance companies offer uninsured/underinsured coverage to protect you in this situation.
Minimum liability insurance covers damages you cause to other drivers, but doesn’t do much for your own costs. Also, the price tag on an auto accident can easily exceed minimum coverage. To avoid this, we recommend:
Make sure you carry proof of insurance with you when you're behind the wheel. It's against the law not to. Your proof of insurance car must contain the following:
Since 1998, Ohio has used a computerized system that selects drivers to provide verification of their insurance policies. The system chooses 5% of the registered drivers in the state at random, and mails them a notice to provide proof of coverage. Drivers then have 21 days to mail a copy of their insurance card or the declaration page of their policies directly to the Ohio Bureau of Motor Vehicles Insurance Processing Center.
If the driver doesn't provide acceptable proof of insurance within the given timeframe, the state can:
Failure to provide proof of insurance will result in a variety of legal actions including: Loss of driving privileges (up to two years), suspension of license and registration, a $150 fee for first offenders, and your car will be impounded for at least 30 days.
Multiple infractions will result in more severe punishments and fines for any driver.
Ohio drivers with revoked or suspended licenses due to drunk driving convictions or other traffic infractions, must file an SR-22 to provide proof of financial responsibility. This documentation certifies that a driver has the minimum amount of insurance required by state law.
Ohio law mandates that you hold an SR-22 for 3 - 5 years, depending on the severity of the offense. If required, an individual must contact an insurance agent or company to apply for an SR-22, who will then submit the documentation to the Ohio BMV.
In order to curb the increase of accidents caused by distracted drivers over the years, Ohio legislation has implemented a number of laws to help keep drivers safe. In 2012, Ohio passed a statewide ban on texting or using a phone to write a message while driving. Failure to conform to this law will result in a $15 fine.
In addition to the ban on texting, it's illegal for any driver under the age of 18 to use any handheld device while driving in Ohio.
Ohio has no special laws or regulations pertaining to senior drivers. All Ohio drivers must renew their license every four years.
Whether you're just visiting or moving into town, you must have the mandatory insurance levels from the state your car is registered in. Until you change your registration and become an Ohio native, make sure your insurance is up to date with whatever state is on your plates.
Ohio drivers pay some of the lowest car insurance rates in the nation. On the national scale, Ohio is the 38th most affordable state for car insurance.
The most recent 2015 data indicates that Ohio drivers pay an average of $702.59 per year for car insurance, compared to a national average of $889.01.
The State of Ohio recorded 1,006 traffic related fatalities in 2014. This was a 1.7% increase from the 989 seen in 2013. Remember that obeying laws and wearing a seatbelt can go a long way in protecting you and your passengers from serious injury.
While the odds of it happening to you are relatively low, the reality is that car theft does happen in Ohio. Ohio reported 18,015 vehicle thefts in 2014. This is a 7.7% decrease from the 19,525 thefts in 2013. The nationwide vehicle theft rate in 2014 was 216 thefts per 100,000 cars. Ohio only saw 155.4 thefts per 100,000 cars.
Source: National Insurance Crime Bureau - Hot Wheels Report 2014
The percentage of Ohio residents estimated to be driving without insurance is 13.5%. That ranks Ohio 17th among US states and the District of Columbia.
|4||5.9%||Berkshire Hathaway (Geico)|
|8||2.8%||American Family Insurance|
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