With over 11 million residents and approximately 260 thousand miles of road, Ohio is home to a lot of drivers. And wherever there’s drivers, you’ll also find car insurance.
If you’re a driver who calls Ohio home, this is the right article for you. Buck up and get ready to read all about automobile insurance in the Buckeye state!
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The search for affordable car insurance in Ohio should actually be quite easy. This is because Ohio’s average premiums are over 30% below the national average.
The average Ohio car insurance policy will run you $1 028 per year. Not bad, right?
It would sure be nice to end the article here, and just tell you this is what car insurance costs in the state. But things are never quite that simple.
While $1 028 is the average cost of car insurance in Ohio, it’s not necessarily reflective of what all Ohioans will pay for their policy. This is because car insurance prices are determined based on several variables including:
You can and should use the average figure as a baseline to compare Ohio car insurance quotes against, however, don’t be surprised if they aren’t identical.
State laws require all drivers to carry insurance. If you drive without insurance, you are subject to fines and other legal penalties. Plus, you’re left vulnerable to insane expenses in the event of an accident.
Each state has their own requirements for the least amount of insurance required in order to legally operate a vehicle. Ohio mandates that all drivers must carry liability insurance with the following limits:
In Ohio, the average cost for a bare-bones policy which only includes the minimum coverage is $366 annually.
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We advise all consumers to carry more than just the legal minimum insurance. Having additional coverage further protects you and your wallet.
Drivers have the option to purchase Ohio auto insurance policies with any or all of the following additional coverages:
Of course, everyone has different lifestyles, circumstances, and budgets. The wide range of options to choose from allows you to select the best car insurance policy for your individual needs.
Being sixteen is sweet for a lot of reasons, but car insurance prices aren’t one of them. In fact, teenage drivers in Ohio pay an average of $3 490 per year which is drastically above the state average.
Because teenage drivers lack experience, their premiums are much higher than others. That’s why it’s especially crucial to implement the money-saving tips we provided above when insuring a teenaged driver.
Additionally, you should be conscious of the teen driving laws and make sure that they are strictly adhered to:
Practising safe driving habits and following the law ensures teen drivers are safe, saving money, and properly enjoying the privilege of driving.
We made it! This blog has answered everything from “how much is car insurance in Ohio?” to “how can I find the cheapest policy?”
If you still have questions about auto insurance in the state, or literally any other type of insurance, you can reach out to us at ConsumerCoverage and we’d be delighted to help you.
You can also access our online resources including blogs, articles, and videos, and you can get access to free Ohio car insurance quotes.
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Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
