You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s column team writes on behalf of YOU – the reviewer. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow rigid guidelines to ensure that our column content is not influenced by advertisers. Our editorial team receives no send compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable data. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial subject to ensure the information you ’ ra reading is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive direct recompense from our advertisers. Bankrate follows a hard-and-fast editorial policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate capacity to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy beginning. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — monetary value, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ ra putting your interests first. All of our content is authored by highly qualify professionals and reviewed by subject count experts, who ensure everything we publish is objective, accurate and worthy of your hope. Founded in 1976, Bankrate has a hanker track record of helping people make ache fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take adjacent. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more data, please see our Insurance disclosure. Ohio has more low-cost average car insurance rates compared to the rest of the country, based on Bankrate ’ sulfur study of annual rate data from Quadrant Information Services. According to our analysis of average rates, the cheapest minimal coverage car insurance policy in Ohio costs $ 247 per year with USAA. The cheapest wax coverage agio we found is $ 758 per year with Hastings Mutual. While a minimum coverage policy is typically the cheapest option, as it offers the minimum needed tied of fiscal protection, Ohio drivers can hush get low-cost rates for a greater degree of coverage. Comparing companies will help you determine which offers the cheap car policy in Ohio for you while taking into account other insurance company aspects that are besides a precedence .
The cheapest car insurance companies in Ohio
bum car policy companies are abundant in the Buckeye State, but not all providers will meet your insurance needs in the same way. To find the best bum cable car policy in Ohio for your situation, Bankrate utilized data from Quadrant Information Services and third-party sources to evaluate some of the top indemnity carriers based on fiscal forte, high customer satisfaction ratings and modal premiums.
The cheapest companies for minimum coverage in Ohio
A minimum coverage car indemnity policy is normally the cheapest type of coverage available. however, while minimum coverage indemnity ensures you can legally drive in the state of matter, minimum coverage offers the least measure of fiscal auspices. If you are concerned in purchasing a minimal coverage cable car policy policy, here are the five cheap cable car policy companies we found in our survey, along with the companies ’ modal annual and monthly rates :
| Car insurance company | Average annual minimum coverage premium | Average monthly minimum coverage premium |
|---|---|---|
| USAA | $247 | $21 |
| Erie | $259 | $22 |
| State Farm | $288 | $24 |
| Hastings Mutual | $292 | $24 |
| Frankenmuth | $302 | $25 |
The cheapest companies for full coverage in Ohio
Full coverage car policy policies are intelligibly more dearly-won because they provide a greater degree of fiscal protection. Full coverage policies – which include comprehensive and collision coverage – are typically optional unless you lease or finance your vehicle. If you are thinking about getting a full coverage insurance policy in Ohio, we found these to be the cheapest providers based annual rates :
| Car insurance company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| Hastings Mutual | $758 | $63 |
| USAA | $820 | $68 |
| Geico | $843 | $70 |
| American Family | $865 | $72 |
| State Farm | $906 | $76 |
Events that can impact your cheap rates in Ohio
Locking in a low car insurance rate is an aim for many drivers, but keeping rates first gear may be fair as authoritative. A few common animation events or changing circumstances can cause your pace to increase, so if you find yourself in one of the keep up situations, you may need to be prepared to pay a higher cable car indemnity premium :
- Adding a teen driver: Teen drivers lack experience on the road, which coincides with a higher risk of an accidents and subsequent claim payouts. Because of this, car insurance carriers charge higher rates when teen drivers are added to a policy. As the driver ages and establishes a safe driving history, the insurance rate will decrease over time, but immediate savings may be leveraged if your teen qualifies for good student or other young driver discounts.
- Receiving a speeding ticket: A speeding ticket, like any other reckless driving practice, can have a detrimental effect on rates. Drivers who are convicted of speeding will see the violation on their records for roughly three years, during which time their insurance rate will be higher than normal. Practicing safe driving habits is a great way to prevent a rate increase from a speeding ticket and can even make you eligible for additional discounts.
- Getting into an at-fault accident: Causing a wreck typically results in a higher insurance premium. If you cause a crash, your insurance rate can increase for about five years – or as long as the incident stays on your record. Some insurers offer accident forgiveness when you purchase a policy, which may help protect your rates against a first-time or minor incident for which you are responsible.
- Being deemed a high-risk driver: If you are considered a high-risk driver, you will likely pay a much higher insurance premium. High-risk drivers include those who have been convicted of a DUI, have multiple speeding tickets or even those with a bad credit score. Drivers in the high risk category may have a harder time getting cheap car insurance or qualifying for coverage at all. Keeping your risk variables low, such as improving your credit history or avoiding multiple tickets, can help protect your rates from a steep increase.
Cheapest cities in Ohio for minimum coverage
In addition to personal factors, like your historic period and motor vehicle record, your specific location in Ohio will have an impact on your car insurance premium. Rates can vary importantly between ZIP codes, so if you move within Ohio, you can find the cheapest rates by comparing quotes from insurers in ZIP codes within your target moving finish. The table below includes the cheapest cities in Ohio for minimum coverage insurance we found in the run of our research. You can find information on other cities in Ohio by reviewing our list of companies included in our study of the average cost of cable car insurance in Ohio .
| City | Average annual minimum coverage premium | Average monthly minimum coverage premium |
|---|---|---|
| Upper Sandusky | $275 | $23 |
| Port Washington | $276 | $23 |
| Uhrichsville | $277 | $23 |
| Quaker City | $278 | $23 |
Cheapest cities in Ohio for full coverage
Full coverage car indemnity premiums besides vary based on localization. In some cities, full coverage policy rates will cost more based on factors like population density, associated crime rates, monetary value of repairs or other highly localize factors. Bankrate ’ randomness study of annual rates indicate these companies offer the cheapest entire coverage policy in Ohio, on average :
| City | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| Findlay | $883 | $74 |
| Fremont | $885 | $74 |
| Ballville | $885 | $74 |
| Stony Prairie | $885 | $74 |
Minimum coverage requirements for Ohio drivers
car insurance is a legal prerequisite in Ohio. You must carry a minimal come of policy in order to get behind the wheel in orderliness to protect the fiscal wellbeing of yourself and others. The minimum coverage requirements in Ohio include :
- $25,000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage per accident
- $25,000 in property damage liability coverage per accident
Drivers who are looking for the cheapest rates may be drawn to a minimum coverage policy for the upfront savings. however, a minimum coverage policy offers limited coverage in the event of an at-fault crash. Accidents can promptly result in dearly-won damages, indebtedness or medical expenses, which you would be responsible for beyond minimum liability limits if you do not have adequate insurance coverage. Liability-only insurance besides does not provide fiscal reimbursement for any physical damage that occurs to your vehicle. If you lease or finance your fomite, a full moon coverage policy is normally required by the lender to protect the asset ’ s value .
Here is how to find (and keep) cheap car insurance in Ohio
Getting the cheapest car indemnity in Ohio involves some research, and maintaining your low-cost rates can be accomplished with a few cardinal strategies. hera are a few tips for finding and keeping brassy car indemnity in Ohio :
- Shop around. As a best practice, you should shop around and get multiple quotes before buying a car insurance policy. In addition to doing this when you are purchasing a new policy, you may be able to find lower rates annually by shopping around. This is especially important as you add new drivers, move or experience any other major life events that can impact rates.
- Maintain a clean driving record. Your driving habits have a direct impact on your car insurance premium. To keep your premium low, maintain a clean driving record and do your best to avoid accidents, speeding tickets and insurance claims.
Frequently asked questions
How can I get car insurance online?
Most policy providers make it easy to purchase car insurance on-line and may even provide a discount for those who do purchase on-line. When you fill out the on-line application, you will typically be asked to input some information about yourself and your vehicle, such as the VIN count, make and model and annual mileage. Providing details about your prefer coverage and limits will result in a more accurate quote as well. Based on that information, you can review your quote and finalize the purchase. In most cases, you can download and print ID or proof of insurance cards instantaneously .
What is the best car insurance in Ohio?
The best car indemnity company in Ohio for all drivers will vary by budget and personal preferences. Every driver has different needs and circumstances that impact coverage needs and discount rate eligibility. In addition, some drivers may prioritize companies with capital customer service while others want the cheapest rates. When you are shopping for car indemnity, you will find the best fit by comparing respective car policy companies and considering how well each fits your criteria .
What happens if I do not have car insurance?
Driving without car insurance in Ohio is illegal unless you have satisfied the state ’ s fiscal responsibility law in another way. If you are caught driving without policy, you will typically have to pay fines and could have your license suspended. If you cause a collision, you will bear fiscal duty for the damages and injuries that occur .
How do I get car insurance in Ohio?
Buying a car indemnity policy can be accomplished in a few different ways. Some companies allow you to get quotes online, or you can call an insurance company or visit a local agency for in-person aid. You will need to provide some basic information, like your list, address, your date of birth and those of other drivers on the policy, the vehicle identification number ( VIN ) of each car you would like to insure and a basic idea of the coverages you would like to purchase. If you are not sure how much coverage to buy, it may be best to speak with a license agentive role to guide you through options for your site.
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 clean drive record, good accredit and the follow wide 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 minimum coverage that meets each state ’ mho requirements. Our base profile drivers own a 2019 Toyota Camry, change five days a week and drive 12,000 miles per annum. These are sample rates and should lone be used for relative purposes .