Average cost of car insurance in Ohio

Ohio law requires drivers to have 25/50/25 auto insurance. This includes $25,000 per person in bodily injuries coverage, $50,000 per accident bodily injury coverage, and $25,000 per accident property damage coverage. In Ohio, car insurance is available at a cost of $328 for a minimum coverage plan and $1,034 to cover full coverage.

What is the cost of car insurance in Ohio?

The premiums for car insurance are different in each state. However, other factors such as your age, ZIP code, car insurance company, and driving record can also affect your premium.

The good news about Ohio is that car insurance rates are significantly lower than those of the average American. The average cost of car insurance in the United States is $565 for minimum coverage and $1674 for full coverage.

Ohio drivers pay $640 less to insure their car with full coverage and $237 less to insure their car with minimum coverage than the average American driver.

Ohio car insurance rates determined by company

The insurance company that you choose to purchase coverage for your car can affect the average Ohio car insurance rate. Some insurance companies, such as American family and USAA, offer affordable car insurance. Others, such as MetLife, have higher rates. Below is a table that shows the average car insurance rates for some of the top car insurance companies in Ohio.

Car insurance rates in Ohio by city

Car insurance rates in Ohio are higher in certain cities because of factors such as crime rate, uninsured drivers and the risk of severe weather. Below is a table that shows the average cost for car insurance in Ohio’s 20 largest cities. We also show how the average premium compares with the state average rate.

Ohio car insurance rates based on age

Because young drivers are usually on the road for a shorter time, they tend to pay the highest car insurance rates. Car insurance rates usually drop once you reach 25. Below are the average Ohio car insurance premiums for different age groups.

Ohio driving record can lower your car insurance rates

Your driving record will be reviewed by your insurance company when you buy your first car insurance policy. Your rate will increase if you have any bad driving records, such as a speeding ticket, or an accident. Below is a table that highlights several traffic violations and how they can increase your Ohio premium.

How to Save on Ohio Car Insurance

Many drivers are looking to save money even though Ohio’s auto insurance rates may be lower than the national average. These are ways to get a lower rate.

  • Get discounts from car insurance companies. You can often save money by being a good student, having no claims and using advanced safety features in the vehicle.
  • Your premium should be paid in full. If you are able to afford your annual car insurance premium in full and not in monthly installments then your car insurance company will likely lower your rate.
  • Your credit score matters. The lower your car insurance rates will be, the better. One of the best ways to save money is to improve your credit score.
  • Switch insurance providers If you can find a lower rate, switching insurance carriers could help you save money.

Questions frequently asked

What is the cost of Ohio car insurance per month?

Ohio drivers average $328 per year for minimum coverage and $1,034 for full coverage policies. This amounts to approximately $27 per month in minimum coverage, and $86 per monthly for full coverage.

Which Ohio insurance company offers the best car insurance?

Every driver will have a different opinion on the cheapest Ohio car insurance company. USAA may be the most affordable carrier for some drivers, while Geico may be more affordable. Each Ohio auto insurance company has a different coverage rate. It is important to compare rates and get multiple quotes in order to find the best rate.