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How much does car insurance cost in Ohio?
car insurance premiums are different in every state, but besides the state you live in, factors like your senesce, your ZIP code, the car policy company and your drive record will besides impact your bounty.
The good news is that Ohio drivers pay significantly lower rates for car insurance than the average american. In the United States, the average cost of car insurance is $ 565 per year for minimum coverage and $ 1,674 per year for fully coverage. That means Ohio drivers pay $ 640 less for full coverage car insurance and $ 237 less for minimum coverage car indemnity than the median american driver .
Ohio car insurance rates by company
average cable car indemnity rates in Ohio vary significantly based on the policy company you purchase coverage from. Some companies, like USAA and American syndicate, offer cheap cable car insurance, and others, like MetLife, offer more expensive rates. The table below includes the average annual cable car policy rates from some of the best cable car policy companies in Ohio .
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Allstate | $357 | $1,292 |
| American Family | $388 | $865 |
| Auto-Owners | $325 | $1,035 |
| Celina | $329 | $1,260 |
| Central | $446 | $1,162 |
| Donegal | $474 | $944 |
| Erie | $259 | $974 |
| Farmers | $357 | $913 |
| Frankenmuth | $302 | $1,177 |
| Geico | $306 | $843 |
| Hastings Mutual | $292 | $758 |
| MetLife | $539 | $1,350 |
| Motorists | $295 | $1,137 |
| Progressive | $357 | $998 |
| State Farm | $288 | $906 |
| USAA | $247 | $820 |
| Westfield | $337 | $1,234 |
Ohio car insurance rates by city
Ohio car insurance rates are more expensive in certain cities due to factors like crime rate, the number of uninsured drivers, the hazard of dangerous weather and more. In the table below, we highlighted the average monetary value of cable car indemnity in Ohio ’ s circus tent 20 most populate cities, and noted how the average bounty compares to the statewide average rate .
| City | Average annual premium for full coverage | % difference from state average annual premium |
|---|---|---|
| Columbus | $1,167 | 13% |
| Cleveland | $1,362 | 32% |
| Cincinnati | $1,149 | 11% |
| Toledo | $1,195 | 16% |
| Akron | $1,110 | 7% |
| Dayton | $1,069 | 3% |
| Canton | $1,065 | 3% |
| Hamilton | $1,068 | 3% |
| Youngstown | $1,237 | 20% |
| Springfield | $1,021 | -1% |
| Parma | $997 | -4% |
| Mansfield | $930 | -10% |
| Lima | $963 | -7% |
| Middletown | $1,020 | -1% |
| Lorain | $979 | -5% |
| Elyria | $968 | -6% |
| Westerville | $1,071 | 4% |
| Medina | $925 | -11% |
| Lancaster | $1,021 | -1% |
| Massillon | $1,003 | -3% |
Ohio car insurance rates by age
young drivers normally pay the highest cable car policy rates because they have been on the road for the least sum of time. Once you turn 25, car policy rates generally start to drop, barring any early issues, like a poor people drive record ( more on that adjacent ). here are the average annual cable car policy premiums in Ohio for unlike age groups. *16 class old calculated on parent ’ second policy disclosure
Ohio car insurance rates by driving record
When you first buy a car indemnity policy, and every clock your policy renews, your insurance company will review your drive record. If you have any negative marks on your record, like a speeding ticket or accident, your rate will go up. In the table below, we highlighted several dealings violations and how much they will increase your agio in Ohio .
| Driving incident | Average annual full coverage premium in Ohio | % increase of average annual premium |
|---|---|---|
| Speeding ticket | $1,219 | 17% |
| Accident | $1,467 | 41% |
| DUI | $2,188 | 111% |
How to save on car insurance in Ohio
tied though Ohio car policy rates are cheaper than the national average, many drivers want to save more money on their policy. here are some ways you can get a lower pace :
- Take advantage of discounts: Look for car insurance companies that offer discounts you can qualify for. There are often savings for good students, being claims-free and having advanced safety features in your vehicle.
- Pay your premium in full: If you can afford to pay your annual car insurance premium upfront and in full, rather than in monthly installments, your car insurance carrier will probably lower your rate.
- Improve your credit score: The higher your credit score is, the lower your car insurance rate will generally be. Improving your credit score is one of the most effective ways to save money.
- Switch insurance carriers: Switching insurance carriers can help you save money if you find a different provider that can offer you a cheaper rate.
Frequently asked questions
How much is car insurance in Ohio per month?
On average, Ohio drivers pay $ 328 annually for a minimum coverage policy and $ 1,034 annually for a broad coverage policy. That ends up being about $ 27 per month for minimum coverage and $ 86 per month for full coverage .
What is the cheapest car insurance company in Ohio?
The cheapest car indemnity company in Ohio is different for every driver. For some, USAA might be the cheapest carrier, and for others, Geico might be a more low-cost choice. Every Ohio car policy company charges a different rate for coverage, so it is important to shop around and get multiple quotes to see which company can offer the lowest rate for your coverage needs .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a uninfected drive read, good credit and the following entire coverage limits :
- $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 minimal coverage limits, Bankrate used minimal coverages that meet each submit ’ s requirements. Our base visibility drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for relative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( base : 40 years ) applied. Incident: Rates were calculated by evaluating our base profile with the comply incidents applied : clean criminal record ( nucleotide ), at-fault accident, unmarried speed tag, single DUI conviction and lapse in coverage .