Ohio is known as the Buckeye State, and with the useful insurance information that QuoteWizard has compiled from industry and regulatory sources, you can save some bucks.
This page will show you which types of coverage are legally required in Ohio, provide information about the cost of driving including average rates, and share some insights about insurance risk to help you protect yourself and your family.
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 $659.37 a year. The national average cost of auto coverage is $841.23.
|Total Cost Per Year||$659.37|
|Price Per Month||$54.95|
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 get a car insurance quotes comparison in Ohio from top companies and find the cheapest rates.
These are the top 10 vehicles owned by Ohio drivers requesting car insurance quotes through QuoteWizard last year.
Last year, these were the 10 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.
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, the minimum coverage requirement for Ohio is known as the 25/50/25 rule. That means that driver policies must include the following:
Remember that these are the minimum levels, so work with your policy provider to ensure that these are met before adding on additional elements to your coverage plan.
It's important to always carry proof of insurance for your car, as all drivers are required by law to do so. In order to provide accurate information, your card should include 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 does not provide acceptable proof of insurance within the given timeframe, the state may then suspend licenses, impound vehicles, and take additional action if necessary.
Whether it be at the request of an officer or from the Random Selection program, failure to provide insurance when requested by the state or its officials will result in a variety of legal actions. These range from the following: Loss of driving privileges (up to two years), suspension of license and registration, a $150 fee for first offenders, and a minimum vehicle impounding of 30 days.
Multiple infractions will result in more severe punishments and fines for any driver.
For Ohio drivers that have had their licenses revoked or suspended due to drunk driving convictions or other traffic infractions, they 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 an SR-22 be held on a driver’s record 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 is illegal for any driver under the age of 18 to use any handheld device while driving in Ohio.
Protecting young passengers is important, which is why Ohio has implemented a number of rules and requirements for securing young children in a vehicle:
Before young Buckeye drivers are let loose to roam the streets, they are required to go through a three-step graduated driver's license program. After passing an initial test, drivers at the age of fifteen and a half are able to apply for a learner's permit. After obtaining a learner's permit, they must accrue 6 months of experience and 50 hours of driving supervised by a parent or guardian (with 10 of those hours coming at night), before moving on to the next stage of the program.
Once these requirements are complete, and the driver passes a driver's education course, they are eligible for a probationary license. They are no longer required to be supervised, but these drivers are limited to no more than 1 passenger, with the exception of immediate family. At the age of 16, they are restricted from driving between the hours of midnight and 6 a.m., and at the age of 17 they are restricted from driving between 1 a.m. and 5 a.m.
It is not until the age of 17 that the passenger restrictions are lifted. At age 18, night driving restrictions are lifted, an unrestricted license is issued, and full driving privileges are granted.
Ohio has no special laws or regulations pertaining to senior drivers. All Ohio drivers must renew their license every four years.
Since seat belts are the best way to prevent injury and protect passengers in the event of a crash, Ohio enforces a number of laws to keep its citizens safe on the road. Any child under the age of 14 is required by law to be restrained by a safety belt at all times, as well as comply with any booster seat requirements. Passengers aged 15 and older are required to wear seat belts if they are riding in the front seats of a vehicle.
Ohio drivers can be fined up to $30 for a first offense, but if you are a passenger and not wearing your seatbelt, a $20 fine will be heading your way as well.
Whether you are 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 10th most affordable state for car insurance.
The most recent 2013 data indicates that Ohio drivers pay an average of $659.37 per year for car insurance, compared to a national average of $841.23.
Every state is subject to federal fuel taxes, which in 2016 were set at 18.4 cents per gallon of regular gasoline and 24.4 cents per gallon of diesel fuel. In addition, Ohio imposes an additional state level tax of 28 cents per gallon on both regular gasoline and diesel fuel. This means when you hit the pump expect to see a tax of 46.4 cents per gallon of gas, as well as 52.4 cents per gallon when of diesel fuel.
In 2014, 1,006 traffic related fatalities were recorded in the state of Ohio. 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. In 2014 18,015 cars were reported stolen, a 7.7% decrease from 19,525 in 2013. In 2014, the nationwide average vehicle theft rate was 216 thefts per 100,000 cars, whereas 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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