|The General Insurance
How to Get Cheap Car Insurance in Ohio?
Car insurance in Ohio is not that expensive as compared to the other states of the country. Still, it is difficult to afford for a lot of drivers. At Rateforce; we understand the need for the cheapest minimum car insurance coverage for every driver. Hence we have created the list of top car insurance companies in Ohio that have the cheapest rates:
Which are the Best Car Insurance Companies in Ohio?
We understand the difference between the best and the cheapest. And we know that the cheapest car insurance is not everyone’s preference. Some drivers prefer to go for the best option instead of the cheapest. For such drivers, we have analyzed all the companies of Ohio based on some factors. Some of these factors are the quality of the company, the customer reviews, and the reliability of the company. Based on these factors below are the top car insurance companies in Ohio:
|The General Insurance
How to Get Best Car Insurance Coverage In Ohio?
Minimum Car Insurance Requirements in Ohio
State minimum auto insurance is one of the legal requirements that every driver has to follow to drive any vehicle as per Ohio car insurance laws. Below are the details of minimum car insurance requirements for the Ohio state:
- Bodily Injury Liability (BIL) Coverage:
When a driver is at fault in an accident then the medical expenses of the victim are the driver’s responsibility. Bodily injury liability coverage is for that only. Every state has predefined the minimum coverage a driver needs to buy for bodily injury liability. Below are the minimum BIL requirements for an Ohio driver:
$25,000 per person to cover all the medical bills or the death of the driver only. and $50,000 per accident to cover all the medical expenses or deaths of the driver along with the passengers.
- Property Damage Liability (PDL) Coverage:
Just like bodily injury liability; a driver will be responsible to cover the expenses to repair the victim’s property. This is required when you are at fault in an accident and you have damaged the property of another person. The property damage can be for the fence, garden, building, car, etc. So the minimum requirement for the property damage liability in Ohio is $25,000 per accident.
Cheap Minimum Liability Car Insurance Companies in Ohio
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Ohio:
- GAINSCO: $60 per month
- The General Insurance: $69 per month
- Progressive: $78 per month
- GEICO: $89 per month
- Allstate: $104 per month
Cheapest Basic Full Insurance Coverage in Ohio
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in OH. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Erie: $172 per month
- StateFarm: $185 per month
- Auto Owners: $193 per month
- Allstate: $204 per month
- GEICO: $218 per month
Cheap Premium Full Insurance Coverage in Ohio
Here is the list of top auto insurance carriers that provide the cheapest full coverage in OH. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Erie: $202 per month
- StateFarm: $234 per month
- Auto Owners: $245 per month
- Allstate: $257 per month
- GEICO: $274 per month
Additional Auto Insurance Coverage in Ohio
Now that you know about the insurance types that are compulsory to drive in Ohio. let’s have a look at some types of insurance that are not compulsory but can save your money. Below are some additional insurance types that a driver can buy:
- Collision Coverage:
Collision coverage is important if you get into an accident and damages your car too. It includes collision with living and nonliving objects. So it can be a tree, fence, pedestrian, or someone’s house. In such cases, your insurance company will cover all the repair expenses of your car.
- Uninsured and Underinsured Motorist Coverage:
This type of insurance is beneficial if you get into an accident with an underinsured or uninsured motorist. In short; if the other driver who is at fault does not have insurance to cover your expenses. In such cases, your insurance company will pay for all the repair expenses and medical bills.
- Comprehensive Coverage:
Comprehensive coverage is beneficial in the cases of a natural or man-made disaster. When your vehicle gets damaged in calamities like floods, fire, earthquake, or even vandalism. In such a situation your insurance carrier will come forward to cover all the repair expenses in your car.
- Roadside Assistance:
If you are driving through a deserted road or on a highway and your vehicle breaks down. Who you will call? If you have roadside assistance insurance then you can call your insurance carrier. Your insurance company will send help instantly to repair your car or tow it to a safe place. And all the expenses will be covered by your car insurance company in Ohio.
- Medical/Funeral Services:
This type of insurance is to help you with medical services like calling an ambulance or dead body transportation. Also; the insurance company will assist in the funeral services of the driver or the passengers. And all the expenses will be covered by your insurance carrier.
- Loan/Lease Payoff:
If your car is totaled in an accident and you still have a loan or lease pending, what you will do? If you have coverage for such types of situations then your insurance carrier might help. You will get financial aid to pay the pending loan or lease amount from your insurance company.
- Rental Car Reimbursement:
If your vehicle is with your car insurance company and you want to travel to work or anywhere. Then you can rent a car. And the insurance company will pay for the renting cost.
Cheap Car Insurance Quotes in Ohio on Ticket Profile
There are a lot of factors that affect the car insurance rate in every state and city. Based on these factors the insurance companies create some ticket profiles. These drivers always get higher or lower insurance rates as compared to all the common drivers in every state. Below are the top ticket profiles in Ohio for car insurance:
Cheapest Car Insurance for Drivers with a DUI in Ohio
Between 2009 and 2018; 3190 people were killed because of alcohol-impaired drivers in Ohio. Driving under the influence is not only dangerous for you but is also a crime in all the states of the USA. It will lead to an increase in car insurance rates quickly. Drivers with DUI on their driving records are considered risky. As a result; insurance company increases their premium rates.
Here is the list of the Best Car Insurance Rates in Ohio for DUI drivers:
Best Auto Insurance for Good Drivers in OH
A driver with a clean driving record and a good experience on the road is considered a good driver. Good drivers always get lower can insurance rates as compared to all the other drivers. And if they try to get discounts then the rates will decrease more. As a result; keeping your driving record clean is very beneficial for you.
Below are the Best Car Insurance Companies in OH for good drivers:
Cheap Ohio Car Insurance Rates for Drivers with an At-Fault Accident
An at-fault accident can increase your insurance premium to almost double. Your insurance company will have all the rights to even cancel your policy. It doesn’t matter if the accident was small or it was just a dent. The company will increase your insurance premium.
Here are some car insurance companies you can try to get cheap Ohio car insurance quotes:
Cheap Car Insurance for Speeding Drivers in Ohio
A speeding driver is not only dangerous for the passengers but also the pedestrians. In 2019; more than 6000 pedestrians were killed in traffic crashes.
As a result; the insurance company provides higher insurance rates to speeding drivers. The increase in the rates depends on the points added to your record at the time you were caught.
Below are some car insurance companies that can provide affordable car insurance rates in Ohio:
Cheap Car Insurance for Young Drivers in OH
In 2017, 49.02 percent of young drivers were involved in fatal accidents. Young drivers are always the riskiest.
Every insurance company provides higher insurance rates to young drivers. The reason is; young drivers lack the experience and hence the chances of filing claims are higher.
Below are the insurance companies you can try to get cheap car insurance Ohio rates for young drivers:
Cheapest Coverage for Drivers with Poor Credit in Ohio
Drivers with poor or bad credit scores also get higher insurance rates as compared to the others. There are some states where insurance companies are not allowed to consider credit score as a factor to calculate car insurance rates. Still, some companies increase the insurance rates based on the credit score of the driver.
Below are the companies that provide affordable car insurance for drivers with poor credit score:
Which Car Insurance Discounts are available in Ohio?
There are several ways to save money on car insurance in Ohio but the easiest way is to get as many discounts as possible. Every company provides different types of discounts for car drivers. Here are the four most common discounts you can ask from any car insurance company:
Multiple Vehicles Discount:
If you have more than one vehicle and you need insurance for all of them then you can get good discounts. Your insurance company will try to convince you to buy insurance for all your vehicles from them. Hence they will provide the best-discounted rates.
Advance Premium Payment Discount:
Upfront car insurance payments can also save hundreds of dollars. If you are financially capable to pay the annual premium in advance then you can ask for a discounted rate. The insurance companies reward the drivers who pay their premium in advance. And as a reward the insurance company provide discounts.
Policy Binding Discount:
This type of discount is applicable if you already have car insurance and you need other types of insurance. For example, you need life insurance or house owner insurance. In such cases, your insurance agent will provide discounted rates to convince you into buying all the other policies from the same company.
Latest Safety Features Discount:
Advanced safety features are beneficial for the safety of the driver, passengers, and the vehicle. If a car has features like an automatic seatbelt, anti-theft alarms, airbags, etc then you can ask for a discount. The reason behind this is; these advanced safety features reduce the chances of accidents and injuries. That results in fewer chances of claim filing.
SR-22 Car Insurance in Ohio State
SR-22 insurance is important for drivers who have a suspended license. The reason for license suspension can be too many law violations, at-fault accidents or even DUI.
SR-22 insurance can be costly for drivers in Ohio. Below is the list of factors that affect the SR-22 insurance rates:
|High-risk Rating Factor
|Average Annual Rate
|Increase vs. No violations
|Speeding (21-25 mph > limit)
|At-fault collision (>$2,000)
Best Cities for Cheap Car Insurance in Ohio
Before searching for Car insurance in Ohio state near you it is beneficial to understand the impact of location on insurance rates. The state, the city, and even the Pincode affect your car insurance quotes. Reason behind this is; the crime rate, environmental conditions, and even the road conditions of the area.
As a result; in Ohio state, every city has a unique car insurance rate. Below is the list of car insurance rates of the top Ohio cities:
|Avg. Annual Premium
FAQs About Car Insurance In Ohio
How to get the cheapest car insurance in Ohio?
There are two simple steps to get cheap insurance rates for all the driver:
- Compare the rates: Compare car insurance quotes for Ohio from as many companies as possible.
- Discounts: Ask for different types of car insurance discounts applicable to your profile.
Which is the best car insurance company in Ohio?
Each company has a different way to calculate car insurance rates and provides different perks to the drivers. So it is unfair to give a title to just one company. We can say that Progressive, Gainsco, The General, SafeAuto, and Travelers are the top 5 companies.
What is the Average Cost of Car Insurance in OH?
The average rate for car insurance in OH is $634 for the minimum requirements and $1129 for full coverage insurance. The average car insurance rates might change based on the driver profile.
Is Ohio a no-fault state?
No. Ohio is an at-fault state. That means if a driver gets into an accident and the other driver is at fault. Then the insurance carrier of the other driver will pay for all the medical expenses of the driver. While in a no-fault state your insurance company will pay for the medical bills, no matter who was at fault.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.