Best Auto Insurance Rates in Ohio

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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 $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.

Ohio Average Annual Car Insurance Rates
Coverage Rates
Liability $388.88
Collision $260.20
Comprehensive $117.58
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.

Ohio average car insurance rates

Comparing 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 compare car insurance quotes in Ohio from multiple companies and find the cheapest rates.

Best Car Insurance Companies in Ohio

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.

Top 10 Vehicles in Ohio

These are the top 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
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Ohio Car Insurance Laws

Minimum Car Insurance Requirements in Ohio

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.

Recommended Coverage Levels

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:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability
Ohio drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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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 doesn't provide acceptable proof of insurance within the given timeframe, the state can:

  • Suspend licenses
  • Impound vehicles
  • 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

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.

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.

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.

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 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.

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

Homepage

Lt. Governor/Director:
Jessica K. Altman
Insurance Hotline:
800-686-1526

File a Consumer Insurance Complaint

Consumer Complaint Form

Sources:

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