Ohio has some of the cheapest car insurance rates in the country. The average monthly cost is just $109, which is lower than the national average of $158. Drivers can save money by comparing rates from top insurers like Nationwide, State Farm, Mile Auto, and Erie Insurance.
Key Takeaways
- Ohio drivers pay $109 per month on average for car insurance, compared to the national average of $158.
- The average cost of liability coverage in Ohio is $74 per month, while full coverage averages $145 per month.
- State Farm, Mile Auto, and Erie Insurance are among the cheapest car insurance providers in Ohio.
- Comparing quotes from multiple insurers is the best way to find the most affordable car insurance in Ohio.
- Factors like credit score, driving record, and location can impact car insurance rates in Ohio.
Average Cost of Car Insurance in Ohio
Ohio drivers pay less for car insurance than the national average. On average, Ohioans pay $1,310 a year for car insurance. This includes $74 monthly for liability coverage and $145 for full coverage.
This is cheaper than the national average. Ohio’s low population density helps keep car insurance costs down.
Ohio Drivers Pay Lower Than National Average
The average cost for full coverage car insurance in the U.S. is $2,348. Ohio’s average is about 36% lower at $1,497. This means Ohio drivers save a lot on their car insurance.
The average cost for minimum coverage in the U.S. is $639 a year. Ohio’s average is about 37% higher at $400. So, Ohio drivers save a lot compared to the rest of the country.
| Coverage Type | Ohio Average | National Average | Difference |
|---|---|---|---|
| Full Coverage | $1,497 | $2,348 | -36% |
| Minimum Coverage | $400 | $639 | +37% |
The average monthly cost for full coverage in Ohio is about $125. For minimum coverage, it’s around $33. Factors like age, driving history, and credit score affect individual rates.
Cheapest Car Insurance Companies in Ohio
Looking for the cheapest car insurance in Ohio? Several top insurers are great choices. Insurify found State Farm, Mile Auto, and Erie Insurance to be the cheapest.
Top Insurers Offering Cheap Rates
State Farm is the best for cheap insurance in Ohio. They have a score of 9.3 out of 10. Drivers pay an average of $38 a month for liability-only and $69 for full coverage.
Mile Auto is perfect for those who drive less. They offer liability-only for $36 a month and full coverage for $53. Their score is 7.5 out of 10.
Erie Insurance is great for Ohio drivers. They offer liability-only for $44 a month and full coverage for $80. Erie scores 9.0 out of 10.
“These top insurers offer a range of affordable options for Ohio drivers, from traditional full-coverage policies to innovative pay-per-mile plans. By comparing rates and coverage, residents can find the cheapest car insurance that meets their unique needs.”
How to Find Cheap Car Insurance Quotes in Ohio
Finding affordable car insurance in Ohio is easier than you think. Just shop around and compare quotes from different insurers. This way, you can save hundreds of dollars each year.
Using online quote comparison tools is a great way to find cheap car insurance in Ohio. These tools let you enter your details and get quotes from various insurers. This makes it simple to see which option is best for you.
You can also get quotes by contacting insurers directly. Many companies let you get a quote over the phone or online. This gives you a closer look at what you need and how much it will cost.
- Leverage online quote comparison tools to easily compare rates from multiple insurers
- Contact insurance providers directly to request personalized quotes based on your specific criteria
- Consider factors like your driving record, vehicle type, and coverage requirements when shopping for the best rates
Exploring all your options and comparing quotes can help you find the right balance. You’ll get great coverage at a good price.
State Farm: Best for Cheap Rates
State Farm is a top pick for Ohio drivers wanting affordable state farm auto insurance ohio. They offer an average liability-only rate of just $38 per month. For full coverage, it’s $69. This makes State Farm one of the cheapest options in Ohio.
State Farm is known for its state farm ohio rates that are lower than the national average. Customers who switch to State Farm save an average of $649 a year on their car insurance. This is backed by high customer satisfaction and a wide network of local agents.
| Coverage Type | Average Monthly Rate |
|---|---|
| Liability-Only | $38 |
| Full Coverage | $69 |
State Farm also offers many discounts for Ohio drivers. You can save up to $1,273 by bundling home, renters, or life insurance with your auto policy. The Drive Safe & Save program gives up to 30% off for safe driving. Young drivers with clean records can save up to 20% with the Steer Clear program on their state farm cheap car insurance.
State Farm is great for all drivers, whether you’re young, commuting a lot, or protecting a classic car. They offer comprehensive coverage and excellent customer service. Get a free quote today and start saving on your car insurance.
Mile Auto: Best for Pay-Per-Mile Coverage
If you drive less, Mile Auto’s pay-per-mile insurance can save you money. They offer liability-only and full-coverage plans for $36 and $53 a month, respectively. This makes Mile Auto a top choice for those who drive less, helping them cut down on insurance costs.
Mile Auto believes that drivers who drive less should pay less for insurance. They track your miles and set your premiums based on how much you drive. This means you could save a lot compared to traditional insurance plans.
| Pay-Per-Mile Car Insurance Provider | Average Monthly Rates | Key Features |
|---|---|---|
| Mile Auto | $36 (Liability-Only) $53 (Full-Coverage) |
|
| Metromile | $29 (Base Rate) + Per-Mile Charge |
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| Root Insurance | Varies |
|
With Mile Auto, your payment changes with your miles, offering a flexible and affordable option for Ohio’s low-mileage drivers. By picking Mile Auto, you get the best pay-per-mile car insurance ohio deal and big savings on your insurance.
Erie Insurance: Best for Regional Coverage
Erie Insurance is a top pick for car insurance in Ohio. It has an IQ Score of 9.0/10 and an average rate of $44 per month for liability-only coverage. Erie offers great prices and strong customer service.
Erie Insurance started in 1925 and now offers auto, homeowners, and life insurance. It has over 2,175 agencies in 12 Eastern and Central states and Washington, D.C. Erie serves more than 5.2 million people and has nearly 5,000 employees.
Erie Insurance is known for its regional focus. Its full-coverage car insurance costs about $158 per month, which is 29% less than the national average. This makes Erie a good choice for Ohio drivers who want personalized service and local knowledge.
Erie also offers affordable homeowners insurance, costing about $2,138 a year. The cost depends on location, claims history, coverage needs, and more. Discounts are available for bundling policies and having home security features.
Exceptional Customer Service and Financial Strength
Erie Insurance is known for making customers happy, earning a top award in a 2016 J.D. Power Study. The Mid-Atlantic region, including Ohio, got a high satisfaction rating of 829 from J.D. Power.
Erie Insurance is financially strong, with top ratings from A.M. Best and S&P’s. It was named one of America’s most trustworthy companies by Forbes Magazine in 2014. These honors show Erie’s commitment to reliable and quality service.
“Erie Insurance has been a trusted provider of affordable, high-quality insurance products for generations of Ohioans. Their focus on regional coverage and personalized service sets them apart in the crowded car insurance market.”
For Ohio drivers looking for a reliable, regional insurance provider, Erie Insurance is a great choice. It has strong ratings, innovative options, and a focus on customer satisfaction. Erie Insurance is well-suited to meet the insurance needs of Ohio residents.
Factors That Affect Car Insurance Rates in Ohio
When looking at [https://carinsurepro.net/auto-insurance-columbus-ohio/ car insurance rates in Ohio], several key factors play a role. Your credit score, driving record, and the type of vehicle you own matter a lot. Insurance companies look at these when figuring out your premiums.
In Ohio, your credit score affects your insurance rates. If you have excellent credit, you might get cheaper insurance. But, if your credit is poor, you could pay more. Your driving history is also important. A clean record with no accidents or tickets usually means lower rates.
| Factor | Impact on Rates |
|---|---|
| Credit Score | Excellent credit leads to lower rates, while poor credit increases premiums |
| Driving Record | Accident-free drivers with no tickets pay less, while violations raise rates |
| Vehicle Type | High-performance or luxury vehicles tend to have higher insurance costs |
| Age | Younger drivers often pay more due to their higher risk profile |
| Location | Rates can vary by zip code based on factors like population density and crime rates |
Knowing what affects car insurance rates in Ohio can help you find cheaper coverage. By looking at your own situation and comparing options, you could save a lot on insurance.
“The type of car you drive is a major factor in determining your car insurance rates in Ohio. Insurers will consider the vehicle’s safety features, repair costs, and theft risk when setting your premiums.”
cheap car insurance quotes ohio
Drivers in Ohio can find cheap car insurance quotes by comparing rates from top insurers like State Farm, Mile Auto, and Erie Insurance. These companies offer some of the most affordable auto insurance quotes ohio, with average rates well below the national average.
Ohio ranks 3rd for the cheapest car insurance in the United States. The average Ohio driver pays just $1,034 per year for their auto coverage. This makes Ohio one of the most low cost car insurance ohio markets in the country.
Customers using innovative insurance providers like Root are even reporting savings of up to $900 a year on their cheap car insurance quotes in ohio. With a focus on personalized rates and usage-based pricing, these new players are changing the game. They help Ohio drivers save big.
Minimum Coverage Requirements in Ohio
Ohio’s minimum liability coverage includes:
- $25,000 for bodily injury (per person)
- $50,000 for bodily injury (per accident – multiple people injured)
- $25,000 for property damage per accident
While these state-mandated minimums provide a good starting point, many experts recommend increasing coverage limits for better protection. This also helps qualify for additional discounts.
Discounts and Savings Opportunities
Ohio drivers can access a variety of discounts to further lower their car insurance costs. Some of the most common include:
- Good Driver Discount: For drivers aged 21+ with 5 years of experience and a clean record
- Good Student Discount: For teenage drivers with a B average or higher
- Multi-Policy Discount: For bundling auto insurance with other policies (e.g., homeowners, renters)
By using these discounts and shopping around for the best cheap car insurance quotes in ohio, Ohio residents can save hundreds on their annual premiums.
Discounts and Savings Opportunities
Ohio drivers can find many ways to lower their car insurance costs. One top way is to bundle your car insurance with other policies, like homeowners or renters insurance. This can lead to big discounts, often up to 30% or more.
Keeping a clean driving record is another smart move to save on car insurance in Ohio. Insurers give discounts for drivers with no accidents or moving violations. They also reward those who take defensive driving courses. Plus, cars with safety features like airbags and anti-theft devices can get discounts of up to 40%.
Usage-based or pay-per-mile insurance plans are getting popular in Ohio too. These plans track how you drive and reward safe, low-mileage driving with car insurance discounts. Choosing one of these plans can help you save on ohio auto insurance and get a coverage that fits you better.
| Discount Type | Average Savings |
|---|---|
| Safe Driving Discount | Up to 30% |
| Good Student Discount | Up to 25% |
| Safety Feature Discount | Up to 40% |
| Multi-Policy Discount | Up to 30% |
By using these car insurance discounts and savings, Ohio drivers can cut their auto insurance costs a lot. Whether you’re a safe driver, a student, or want to bundle your policies, there are many ways to save on car insurance in Ohio.
“Discounts and savings can make a big difference in the overall cost of car insurance in Ohio. It’s important for drivers to explore all the available options to get the best rates.”
Minimum Coverage Requirements in Ohio
In Ohio, you must have certain car insurance to legally drive. You need at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. This is stated in Ohio’s insurance rules.
These ohio minimum car insurance requirements offer basic protection. But, they might not be enough for you. Ohio drivers might want to get more coverage to protect their assets if an accident happens. Remember, the ohio auto insurance coverage minimums are just the basics.
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury Liability | $25,000 per person, $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
If you don’t have these ohio car insurance liability limits, you could face big problems. You might lose your car, have your license taken away, or even go to jail if you’re in an accident without insurance. To avoid these issues, make sure you have the right coverage.
“Carrying only the minimum required coverage can leave you vulnerable if you’re in an accident. It’s important to consider purchasing higher limits or additional policies to properly protect your assets.”
Knowing the minimum coverage requirements in Ohio helps drivers make smart choices about their insurance. This way, you can be sure you’re well-protected on the road.
Filing a Claim and Maintaining Coverage
When you need to file a car insurance claim in Ohio, being ready is key. Make sure you have all the details about the incident, your policy, and any supporting documents. It’s important to report the claim quickly and work with your insurance company fully.
Tips for Smooth Claims Process
Keeping your insurance active is also crucial to avoid higher rates later. Ohio drivers should check their policy often and think about combining their auto insurance with other policies. This can help you save money through discounts.
- Report the claim promptly to your insurance provider.
- Gather all relevant information, including the date, time, and location of the incident, as well as any photos or witness statements.
- Cooperate fully with the insurance company’s investigation and claims process.
- Maintain continuous coverage to avoid gaps that could result in higher premiums.
- Review your policy regularly and explore opportunities to bundle your auto insurance with other policies to maximize savings.
By following these tips, Ohio drivers can make filing filing car insurance claims in ohio easier and keep their coverage in check. This helps protect you and your vehicle.
“Erie Insurance offers affordable car insurance with opportunities to reduce and avoid increases to car insurance costs.”
Erie Insurance is a top choice for auto insurance in Ohio. They offer many discounts to help keep costs low. These include savings for safety features, having multiple cars or policies, and for using your car less. Customers love Erie Insurance for their great customer service and easy claims process.
Car Insurance for High-Risk Drivers
In Ohio, drivers with a history of accidents, tickets, or poor credit might pay more for car insurance. But, there are options for these drivers. Comparing quotes from different companies is key for high-risk drivers in Ohio.
American Family in Ohio charges an average of $678 a year for high-risk drivers. This is 26% more than for regular drivers. GEICO offers affordable rates for high-risk drivers with bad credit, around $774 a year.
Drivers with a history of high-risk behaviors, like speeding or DUI/OVI, face higher costs. The average cost for high-risk drivers is nearly $300 more than for low-risk drivers. This is a 39% increase.
“The key for high-risk drivers in Ohio is to shop around and compare quotes from multiple insurers to find the most affordable coverage that meets their needs.”
For high-risk drivers in Ohio, finding non-standard auto insurance or high-risk car insurance policies is crucial. Factors like driving record, credit score, and vehicle type affect rates. By researching and comparing options, these drivers can find affordable coverage that protects them.
Navigating the Ohio Car Insurance Landscape for High-Risk Drivers
- The average cost of car insurance in Ohio is $1,028 a year, 33% less than the national average.
- High-risk drivers in Ohio pay an average of $1,070 per year for car insurance, while low-risk drivers pay $772.
- GEICO offers the best car insurance rates for teenage drivers in Ohio, with an annual premium of around $2,562.
- Ohio’s look-back period for DUI convictions is six years, significantly impacting insurance rates for high-risk drivers.
Conclusion
Ohio drivers have many affordable car insurance options. Companies like State Farm, Mile Auto, and Erie Insurance offer great rates. By comparing quotes and using discounts, Ohio residents can find good coverage at a good price.
Looking for the cheapest or the most comprehensive coverage? Ohio has options for everyone. Whether you’re a high-risk driver or a young driver, there’s a policy for you. Stay informed and proactive to find the right protection without spending too much.
Ohio’s car insurance costs are over 30% lower than the national average. Top insurers offer affordable rates. This means you can save on your cheap car insurance ohio, affordable auto coverage ohio, and saving on car insurance in ohio. Use these tips to keep your vehicle covered and your costs low.
Source Links
- Cheap Car Insurance Quotes in Ohio Starting at $36
- Ohio Car Insurance Coverage
- Average Cost of Car Insurance in Ohio for 2024 | Bankrate
- How Much Is Car Insurance in Ohio? (August 2024)
- Get Cheap Car Insurance In Ohio 2024
- Cheapest Car Insurance in Ohio for 2024 | Bankrate
- Cheap car insurance in Ohio | Root Insurance
- Ohio Car Insurance Quotes | GEICO
- Don’t Overpay: Cheap Car Insurance in Ohio for September 2024 – NerdWallet
- Free Car Insurance Quote. Switch & Save On Auto Insurance
- OH Auto & Home Insurance Quotes in Columbus | State Farm®
