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Compare Car Insurance Quotes in Ohio to Get the Cheapest Rates

Compare Car Insurance Quotes in Ohio to Get the Cheapest Rates

Average Ohio Car Insurance Rates

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 $682.70 a year. The national average cost of auto coverage is $866.31.

Ohio Average Annual Car Insurance Rates
Coverage Rates
Liability $388.88
Collision $260.20
Comprehensive $117.58
Total Cost Per Year $682.70
Price Per Month $56.89

Compare Car Insurance Quotes in Ohio

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.

Ohio Auto Insurance Laws

Car Insurance Minimum Coverage Requirement

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:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $25,000 of coverage for property damage liability per incident

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.

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Required Proof of Car Insurance

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:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, and/or model of the insured vehicles, or the name of the insured driver.

Random Selection Program

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.

Penalties

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.

SR-22 Requirements

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 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.

Top 10 Vehicles in Ohio

These are the top 10 vehicles owned by Ohio drivers requesting car insurance quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet Cavalier
  3. Ford Taurus SE
  4. Chevrolet Blazer
  5. Chevrolet Impala
  6. Honda Accord EX/LX
  7. Ford Ranger
  8. Ford Focus
  9. Chevrolet Malibu
  10. Chevrolet Silverado
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Top 10 Car Insurance Companies in Ohio

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.

  1. Progressive Casualty
  2. Allstate Insurance Co.
  3. Geico
  4. Nationwide
  5. Farmers Insurance
  6. Esurance
  7. Liberty Mutual
  8. AIG
  9. 21st Century Insurance
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State of Ohio Traffic Safety Laws

Distracted Driving Laws

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.

Booster Seat Law

Protecting young passengers is important, which is why Ohio has implemented a number of rules and requirements for securing young children in a vehicle:

  • Any child who is under the age of four or weighs less than 40 lbs. must ride in a child safety seat meeting federal standards.
  • Any child between the ages of four and seven, who weighs less than 40 pounds or measures less than 4 feet 9 inches, must ride in a booster seat.

Graduated Driver’s License

Before young Buckeye drivers are let loose to roam the streets, they're 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're eligible for a probationary license. These drivers no longer require supervision, but they're limited to no more than one passenger, with the exception of immediate family. At the age of 16, they're restricted from driving between the hours of midnight and 6 a.m., and at the age of 17, they're restricted from driving between 1 a.m. and 5 a.m.

The passenger restriction remains until the age of 17. The night driving restriction remains until age 18. That's when drivers can get an unrestricted license with full driving privileges are granted.

Senior Drivers in Ohio

Ohio has no special laws or regulations pertaining to senior drivers. All Ohio drivers must renew their license every four years.

Seat Belt Laws

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 must wear 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're riding in the front seats of a vehicle.

First time offenders will receive a $30 ticket. Passenger caught not wearing seatbelts will receive a $20 ticket.

Vehicles Registered in Another State

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.

The Cost of Driving in Ohio

Average Ohio Car Insurance Rates

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 2014 data indicates that Ohio drivers pay an average of $682.70 per year for car insurance, compared to a national average of $866.31.

Fuel Taxes

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.

Car Insurance Risk in Ohio

Traffic Fatalities

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.

Vehicle Thefts in Ohio

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.

Top 10 Most Stolen Vehicles in Ohio

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2003 Dodge Caravan
  2. 1996 Honda Accord
  3. 2004 Ford Pick-Up (Full Size)
  4. 1999 Chevrolet Pick-Up (Full Size)
  5. 1999 Jeep Cherokee/Grand Cherokee
  6. 2006 Chevrolet Impala
  7. 1998 Honda Civic
  8. 1998 Chevrolet Pick-Up (Small Size)
  9. 2003 Ford Taurus
  10. 2011 Chevrolet Malibu

Uninsured Drivers

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.

Top 10 Ohio Auto Insurance Companies - Market Share

Source: Ohio Department of Insurance
Rank Market Share Company
1 12.8% Progressive
2 10.3% Allstate
3 9.4% Nationwide
4 5.9% Berkshire Hathaway (Geico)
5 5.4% Grange Mutual
6 4.3% Liberty Mutual
7 2.9% Erie Insurance
8 2.8% American Family Insurance
9 2.6% Westfield Group

Ohio State Office of the Insurance Commissioner

Homewpage

Lt. Governor/Director:
Mary Taylor
Insurance Hotline:
800-686-1526

File a Consumer Insurance Complaint

Consumer Complaint Form

Sources:

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