Cheap car insurance in Ohio

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:

  1. AIG
  2. Allstate
  3. Atlantic States
  4. Erie
  5. Farmers
  6. GEICO
  7. General Casualty
  8. Liberty Mutual
  9. MetLife
  10. Nationwide
  11. Progressive
  12. State Farm
  13. Travelers
  14. USAA
  15. 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.

  1. $25000 bodily injury coverage per person is required in Ohio.
  2. $50000 bodily injury coverage per accident is required in Ohio.
  3. $25000 property damage coverage per accident is required in Ohio.

Other types of optional coverages in Ohio are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Uninsured/Underinsured Motorist Bodily Injury
  7. Medical and Funeral Services
  8. 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.

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