Those who drive in the state of Ohio are required to carry auto insurance in order to hit the open road in the Buckeye State. If you’re looking for car insurance quotes in Ohio, it helps to first learn about the minimum coverage required by law, how to get the best premium, and which car insurance companies are the best in the state.
Whether you are new to car insurance or looking to switch providers, we encourage you to get auto insurance quotes from several different providers and compare them to be sure you’re getting coverage for the best possible price. To give you an overview of car insurance providers, our review team evaluated 30 of the best auto insurance insurers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top picks.
Read on to learn more, and fill out the simple quote form below to start comparing Ohio car insurance quotes. Or call (844) 246-8209 for free, personalized quotes.
In this article:
- Ohio Auto Insurance Minimum Requirements
- Factors That Affect Ohio Car Insurance Quotes
- How Much Is Car Insurance In Ohio?
- How To Get The Cheapest Car Insurance Coverage In Ohio
- What If I Can’t Afford The Minimum Insurance In Ohio?
- Recommendations For Ohio Car Insurance Quotes
Ohio Auto Insurance Minimum Requirements
Every state has different car insurance requirements. Ohio state law dictates that drivers have to have liability auto insurance (BI/PD) of 25/50/25. That means that drivers need to have the following state minimum to legally operate a vehicle in Ohio:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
It’s generally a good idea to buy more than the minimum insurance. Additional coverage options offered by major providers in Ohio may include:
- Collision insurance
- Comprehensive auto insurance
- Uninsured/underinsured motorist coverage (UM/UIM)
- Medical payments (MedPay)
- Towing and roadside assistance
- Rental car reimbursement
Ohio is an at-fault state, meaning the driver who caused the car accident has the financial responsibility to pay for property damage and injuries.
Factors That Affect Ohio Car Insurance Quotes
Your car insurance rates depend on many things, including which provider insures you, the coverage you choose, and your personal and vehicle information. Some things that affect the cost of Ohio car insurance quotes include:
- Your driving record
- Age, location, gender, and marital status
- Where your car is kept
- Your credit score
- Year, make, and model of your vehicle
How Much Is Car Insurance In Ohio?
On average, car insurance in Ohio costs less than the national average. The National Association Of Insurance Commissioners reported that Ohio drivers spent around $770.80 per year in 2017 – which was much less than the average of $1,004.68 nationwide.
Here’s a breakdown of the coverage costs for car insurance in Ohio that year according to the Insurance Information Institute (III):
|Type Of Coverage||Average Annual Expenditure in 2017|
*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability insurance but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
How To Get The Cheapest Car Insurance Coverage In Ohio
Liability coverage can be affordable when you know what steps to take to get better car insurance rates and save money. Most major auto insurance providers offer discounts for the following:
- Good drivers
- Good students
- Having multiple vehicles
- Having anti-theft devices
- Taking defensive driver courses
Besides discounts, you might consider improving your credit score over time to see cheaper car insurance quotes in Ohio. Data from the Federal Trade Commission found a relationship between drivers with lower credit scores and the higher number of claims those drivers file. Because of these findings, many insurance companies take a customer’s credit score into consideration when determining the price of insurance premiums.
What If I Can’t Afford The Minimum Insurance In Ohio?
In Ohio, it’s illegal for drivers to operate a vehicle without car insurance. If a driver is caught operating a vehicle without proof of insurance in Ohio, they will face serious penalties. Drivers can lose their license, registration, and plates until they can provide proof of insurance. There is also a reinstatement fee drivers must pay ($100) to get their license, registration, and plates back. Plus, drivers will have to obtain a high-risk auto insurance policy for at least three years.
If drivers are caught for a second time driving without insurance, their license, registration, and plates will be suspended for one year. This time, the reinstatement fee to get your license, registration, and plates back will be $300. Three or more offenses will result in a two-year suspension of your license, registration, and plates, as well as a $600 reinstatement fee.
If a driver is caught in an accident and unable to prove they are insured, the driver could be facing serious consequences like a security suspension of two years or more and an indefinite judgment suspension. If the report includes property damage that costs more than $400, a security suspension will be placed in all uninsured driving records until a full payment or payment agreement has been reached.
Recommendations For Ohio Car Insurance Quotes
Whether you are trying to drive to the Rock and Roll Hall of fame or Cedar Point, if you’re an Ohio resident shopping for new car insurance, it’s smart to get quotes from multiple providers to ensure you’re getting the best deal on your auto insurance coverage. We recently reviewed the best auto insurance providers nationwide, and in Ohio, USAA and Geico, are among our top recommendations. To learn more about the different providers, check out our article on the best Ohio car insurance.
|Best Ohio Car Insurance||Motor1 Star Rating||Customer Service||Affordability||Coverage|
*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for Ohio car insurance.
Our Top Pick For Ohio: USAA Car Insurance
USAA generally offers the best auto insurance rates if you are a military member in Ohio. You can also qualify for coverage as a family member of someone in the service or as a veteran.
USAA stood out among other providers in both the 2021 J.D. Power U.S. Auto Insurance Study and the 2021 U.S. Auto Claims Satisfaction Study. The company's coverage options that make it a top provider include:
- Roadside assistance: You will be covered for towing, flat tire changes, fuel delivery, lockout service, and jump-starts. For a small fee, this optional coverage can be added on.
- Accident forgiveness: When you pay for this program, your premiums won’t increase after your first at-fault accident. USAA will automatically add this to your auto policy for free if you remain accident-free for five years.
- Rental reimbursement: If your car is in the shop for repairs, you can benefit from this optional coverage to get a rental car.
- Car replacement assistance: Following an accident, you will receive 20 percent more than the actual value of your car with this plan.
- Gap insurance: Many lenders require gap insurance if you finance your car. USAA will guarantee that the loan is paid off, even if your vehicle is declared a total loss. However, USAA doesn’t provide this protection for leased vehicles, as some other providers do.
While glass coverage is not provided with USAA auto insurance in Ohio, the company offers various policy terms and cheap car insurance across most situations. If you qualify, we think you will find exceptional coverage with USAA.
Whether you live in Cincinnati, Columbus, or Cleveland, you should always get multiple quotes to ensure that you are getting the best car insurance for your car and budget. To start comparing the cheapest car insurance quotes in Ohio, simply enter your zip code in the simple tool below or call (844) 246-8209.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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