Cheap car insurance in Ohio
It is mandatory to get car insurance in Ohio for drivers to drive legally in the state. Different companies in Ohio provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Ohio:
| Name of the Company | Average annual car insurance premiums |
| Merchants Insurance Group | $855 |
| USAA | $873 |
| State Farm | $963 |
| Utica National | $973 |
| Hastings Mutual | $985 |
| Erie | $986 |
| Esurance | $1087 |
| Motorists Mutual | $1175 |
| Progressive | $1226 |
| Nationwide | $1245 |
| General Casualty | $1262 |
| Encompass | $1266 |
| Frankenmuth Mutual | $1276 |
| Westfield | $1300 |
| Central Mutual Insurance Co | $1317 |
| Ohio Mutual | $1345 |
| GEICO | $1352 |
| Cincinnati Insurance | $1362 |
| Celina Insurance | $1363 |
| Grange Mutual | $1387 |
| Metropolitan | $1414 |
| Western Reserve | $1500 |
| Allstate | $1537 |
| Atlantic States Insurance | $1558 |
| Farmers | $1630 |
| State Auto | $1668 |
| American Family | $1690 |
| AIG | $1825 |
Cheap car insurance in Ohio for good drivers
Car insurance companies may charge high car insurance premiums from drivers in Ohio with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Ohio provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Ohio by maintaining a good driving record. Most auto insurance companies in Ohio provide a 5-10% good driver discount to those having a good driving history without violations.
- Drivers with no traffic ticket may save $207 on car insurance premiums in Ohio.
- Drivers may save $547 on car insurance premiums if they have an accident-free record in Ohio.
- By maintaining a good credit history you may save $887 on car insurance premiums in Ohio.
Cheap car insurance for inexperienced drivers in Ohio
Most auto insurance providers may charge high auto insurance premiums Ohio from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers. Auto insurance premiums in Ohio vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Ohio.
| Age | Average annual auto insurance premiums with parents | Average annual auto insurance premiums for young drivers alone |
| 16 | $3538 | $4665 |
| 17 | $3240 | $4445 |
| 18 | $3135 | $4018 |
| 19 | $2783 | $2740 |
Affordable auto insurance in Ohio for high-risk drivers
Car insurance companies in Ohio charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Ohio can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Ohio may get discounts on car insurance policies.
| Rating factor | Average annual car insurance premium |
| At-Fault Accident | $1563 |
| DUI | $1716 |
| Speeding Violation | $1222 |
| Bad Credit | $1905 |
Best car insurance companies in Ohio
Car insurance prices in Ohio may vary from company to company. Some companies in Ohio charge lower car insurance premiums than others. To get the best auto insurance policy in Ohio you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Ohio by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Ohio:
- AIG
- Allstate
- Atlantic States
- Erie
- Farmers
- GEICO
- General Casualty
- Liberty Mutual
- MetLife
- Nationwide
- Progressive
- State Farm
- Travelers
- USAA
- Western Reserve
What auto insurance coverage is mandatory to purchase for drivers in Ohio?
The average annual cost to get the minimum required coverage in Ohio may be around $477. The minimum required coverage for drivers in Ohio to drive legally in the state is:
| Coverage type | Coverage limit |
| Bodily injury coverage per person | $25000 |
| Bodily injury per accident | $50000 |
| Property damage per accident | $25000 |
The state minimum auto insurance requirements in Ohio
The state minimum auto insurance coverage requirement in Ohio is liability coverage.
- $25000 bodily injury coverage per person is required in Ohio.
- $50000 bodily injury coverage per accident is required in Ohio.
- $25000 property damage coverage per accident is required in Ohio.
Other types of optional coverages in Ohio are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Uninsured/Underinsured Motorist Bodily Injury
- Medical and Funeral Services
- Uninsured Motorist Property Damage
Fine for driving without car insurance in Ohio
If anyone caught driving without a car insurance policy in Ohio then police may charge a fine.
Car insurance prices by cities in Ohio
Car insurance premiums in Ohio may vary from city to city. In some cities of Ohio, car insurance prices are high compared to others.
| City | Average annual insurance premiums |
| Youngstown | $1255 |
| Cleveland | $1240 |
| Toledo | $1233 |
| Cincinnati | $1195 |
| Columbus | $1175 |
| Cleveland Heights | $1163 |
| Akron | $1136 |
| Dayton | $1134 |
| Hamilton | $1129 |
| Euclid | $1110 |
| Fairfield | $1099 |
| Canton | $1084 |
| Lakewood | $1056 |
| Middletown | $1056 |
| Beavercreek | $1033 |
| Springfield | $1032 |
| Parma | $1004 |
| Cuyahoga Falls | $1000 |
| Lorain | $1000 |
| Strongsville | $997 |
| Elyria | $990 |
| Mansfield | $986 |
If you are looking for a car insurance deal in Ohio, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.
