You can get pay-per-mile insurance in Ohio from Allstate Milewise, Liberty Mutual ByMile, and Nationwide SmartMiles. Pay-per-mile insurance is a type of car insurance policy that charges drivers a daily or monthly base rate plus a few cents for each mile driven. Each policyholder’s base rate is calculated according to normal car insurance rating factors, such as driving record, age, and ZIP code.
Pay-per-mile insurance can be an easy way for Ohio drivers to save if they use their cars infrequently. For example, retirees, remote workers, and students who walk to class can benefit from pay-per-mile insurance. Individuals or families with an extra car that is rarely used should also consider pay-per-mile coverage.
Yes, Metromile offers full coverage insurance for customers who choose to buy it. Metromile sells all the components of full coverage, including liability, collision, and comprehensive coverage, plus any type of insurance that a state might require, such as uninsured motorist insurance or personal injury protection.
Current and potential Metromile customers can call the company at 1-888-242-5204 to ask about the coverage that is available in their state. For more information, check out WalletHub’s Metromile car insurance review.
Drivers in Ohio need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $25,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Ohio is … read full answeruninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in Ohio:
Minimum Coverage Limit
Bodily Injury Liability Coverage (per person)
Bodily Injury Liability Coverage (per accident)
Property Damage Liability
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Ohio law. Lenders or lessors usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle is worth if it has been stolen or totaled.
Car insurance in Ohio costs $35 monthly ($414 per year) for minimum coverage, on average, and around $94 per month ($1,122 annually) for a full-coverage policy. The cheapest insurance companies in Ohio are Geico, USAA, and Ohio Mutual, but insurers calculate premiums differently, so it’s a good idea to get quotes from more companies to find the best deal.… read full answer
Average Cost of Car Insurance in Ohio by Category
Clean driving record: $36 per month
After an at-fault accident: $55 per month
Driver with poor credit: $63 per month
Teen driver: $145 per month
After a DUI: $68 per month
The average cost of car insurance in Ohio is 43% 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.. Every insurer has their own way of calculating premiums, so it’s a good idea to get quotes from at least three different companies to make sure you find the best deal.
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
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