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STANDOUT DISCOUNTS AVAILABLE
- Drive Safe and Save
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- Vehicle safety
* Data provided by Bankrate.com.
**J.D. power 2021 Auto Insurance Satisfaction Study fink for the North Central region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Ohio
According to 2021 bounty data from Bankrate.com, the modal price of car indemnity in Ohio is $ 1,034 per year for full coverage and $ 328 per year for minimal coverage. For comparison, the national annual average premiums are $ 1,674 for broad coverage and $ 565 for minimum coverage. It ’ mho important to remember that your accurate rates may look different. Premiums in most states are based on a number of factors, including the upwind and crime pace in your region, your age, credit score, driving history, and more.
Top 3 Cheapest Car Insurance Companies in Ohio
| Company | Average Annual Full Coverage Premium* |
| Hastings Mutual | $758 |
| USAA | $820 |
| Geico | $843 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Car Insurance Companies in Ohio
| Company | Average Annual Full Coverage Premium* |
| Allstate | $1,292 |
| Celina | $1,260 |
| Westfield | $1,234 |
* Data provided by Bankrate.com.
Top 3 Cheapest Cities for Car Insurance in Ohio
| City | Average Annual Full Coverage Premium* |
| Findlay | $883 |
| Fremont | $885 |
| Ballville | $885 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Cities for Car Insurance in Ohio
| City | Average Annual Full Coverage Premium* |
| Newburgh Heights | $1,426 |
| North Randall | $1,401 |
| Cleveland | $1,362 |
* Data provided by Bankrate.com.
Key Things to Know About Car Insurance in Ohio
When it comes to buying cable car insurance in Ohio, there are a few things you ’ ll want to keep in mind. First, state law requires all drivers in the state to carry at least minimum liability indemnity — and you ’ ll have to have proof of policy with you while driving. besides remember that Ohio is an at-fault express, meaning whoever is at fault for an accident is financially creditworthy for the damages they cause, including injuries .
Ohio Car Insurance Requirements
Ohio requires all drivers to carry at least the state ’ s minimal liability limits. While most policy agents advise that you purchase higher limits for more fiscal protection, you must have at least the minimum limits to drive legally. If you have a loan or lease on your vehicle, you ’ ll probably need full coverage car indemnity. The minimum indebtedness required in the department of state of Ohio is as follows :
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Uninsured motorist coverage must besides be offered but can be declined in write .
Car Insurance Coverage Options
In addition to potentially buying higher indebtedness limits or full coverage — which includes comprehensive and collision coverages — you may want to consider these optional coverage types to further protect your finances :
- Uninsured motorist: This option could help you pay for injuries you or your passengers sustain if you are hit by an uninsured motorist.
- Gap insurance: Gap insurance is designed to cover the difference between the amount you owe on your vehicle and its current cash value. That way, if your car is totaled in an accident, you aren’t left paying off a loan for a car you no longer have.
- Roadside assistance: Many insurers offer roadside assistance coverage that provides coverage for towing services, flat tire repair, locksmith services, and more.
- Accident forgiveness: You can generally expect your car insurance rates to go up after an accident where you’re at fault. But with this optional add-on that many insurers offer, your rates won’t increase after just one accident.
coverage options vary by insurance company, thus talk to your company to see what options are available to you.
Frequently Asked Questions
How do I get car insurance in Ohio?
many companies offer on-line quotes, or you might need to call a company or visit a local anesthetic agency. You ’ ll need some information about you and each driver you want to insure, like your name, go steady of parturition, and driver ’ mho license number. You ’ ll besides need the fomite recognition count ( VIN ) of each car you want to insure. Once you want to proceed with a quote, you ’ ll probably need to make a payment and you might need to sign an application .
What company sells the best car insurance in Ohio?
We found that Geico, Allstate, USAA, and State Farm sell some of the best coverage in the Buckeye State. however, the best company for you will depend on your personal military rank factors, the coverage you want and need, and the features you are looking for in a aircraft carrier. Shopping about could help you find the right fit .
What happens if I drive without insurance in Ohio?
Ohio requires all drivers to have a policy that includes at least the state minimum indebtedness limits. If you choose not to buy coverage, you are breaking the law and could face fines, license suspension, or jail time. If you get into an accident without an policy policy, you ’ ll have to pay for the wrong and injuries you cause out of scoop .
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on alike metrics. For the best car indemnity companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and on-line resources from each company to determine top providers. As for average pricing, we used Bankrate.com ’ s data of car insurance in Ohio, based on the profiles of a 40-year male and female. For full coverage, the details used were the follow :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each express ’ second requirements. Our free-base profile drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles per annum. These are sample rates and should only be used for relative purposes.
Read more: The 7 Best Car Insurance Companies (2022)
About the Authors
Cate Deventer Insurance Editor Cate Deventer is a writer and licensed indemnity agent. She has a Bachelor ’ s degree in field and is presently pursuing a degree in English with a concentration in professional and technical write from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she ’ s passionate about helping people take charge of their finances. In her loose meter, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog .