How can I lower my car insurance rates in Ohio?

You can get car insurance discounts in Ohio based on how you drive, the car you own, and your relationship with your insurance company. In Ohio, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.… read full answer

Almost anyone can get a discount on car insurance in Ohio because most insurance companies make it easy to qualify for a variety of savings. Ohio insurers typically offer discounts that fall into one of three categories—policy discounts, driver discounts, and vehicle discounts.

Policy discounts typically reward customer behavior that is desirable to the insurance company. For example, most Ohio drivers can save by registering for paperless billing or getting both home and auto policies from the same company. Driver discounts are available to Ohio residents who are lower-risk to insure, like those with clean driving records. And vehicle discounts help drivers save if their car has certain safety features or anti-theft systems.

Car Insurance Discounts in Ohio

Remember, discounts vary among different insurance companies, so it’s always best to contact the provider directly to determine which discounts you qualify for.

Yes, you do need car insurance in Ohio. Drivers in Ohio need at least bodily injury liability, and property damage liability insurance for a minimum coverage policy, and it’s a good idea to also consider optional types of coverage to ensure you’re fully protected in the event of an accident.

Car insurance in Ohio costs an average of $35 per month for a minimum coverage policy and an average of $94 monthly for full coverage.

Types of Car Insurance Required in Ohio

• Bodily injury liability insurance of at least $25,000 per person and $50,000 per accident. Bodily injury liability insurance pays for the medical expenses of other drivers in accidents you cause. It can cover things like hospital fees, loss of income, pain and suffering, and funeral costs.
• Property damage liability of at least $25,000. Property damage liability insurance pays for other drivers' property damage in accidents you cause. It can cover things like vehicle repairs or damage to stationary objects like houses or fences.

Monthly Cost of Car Insurance in Ohio

Premiums are representative of a 45-year-old good driver with a minimum coverage policy.

Ohio is similar to the majority of states in that it requires all drivers to have at least a certain amount of car insurance. Virginia and New Hampshire, on the other hand, are the only states that do not require drivers to carry traditional auto insurance.

To learn more, check out WalletHub’s guides to how much insurance you need and the penalties for driving without insurance.

Car insurance in Ohio is $33 per month for minimum coverage and $180 per month for full coverage, on average. The cheapest insurance companies in Ohio are Erie, State Farm and Geico, and getting quotes from several companies can help you find the best deal.

Average Cost of Car Insurance in Ohio by Category

• Clean driving record: $33 per month
• After an at-fault accident: $50 per month
• Driver with poor credit: $57 per month
• Teen driver: $93 per month
• After a DUI: $74 per month

The average cost of car insurance in Ohio is 46% lower than the national average auto insurance premium, and Ohio ranks 7 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you’ll pay for car insurance in Ohio, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.

Finally, it’s worth noting that car insurance premiums in Ohio are low, compared to the cost of coverage in neighboring states like Kentucky and Michigan. You can find more details in the table below.

Cost of Car Insurance in Ohio vs. Neighboring States

Note: Rates are an approximation based on a driver in Ohio with minimum coverage. Actual rates will vary.