Cheap Car Insurance Rates in Ohio (2019)

Compare Auto Insurance Rates in Ohio

Ohio Auto Insurance

Most people find buying auto insurance in Ohio to be confusing and frustrating. Finding cheap auto insurance rates may seem impossible, and understanding Ohio driving laws can be a challenge. Don’t worry – here’s everything you need to know to get what you need.

Car Insurance Requirements in Ohio

In every situation, you should maintain Ohio minimum auto insurance requirements, though many people need to purchase more than this. Under Ohio driving laws, all drivers must carry the following types of insurance:

  • Bodily injury coverage for injuries and death of $25,000 per person
  • Bodily insurance coverage for injuries and death of $50,000 in total for two people or more
  • Property damage coverage of $25,000 per accident

Is Ohio a No-Fault State?

Ohio is an at-fault state. That means all drivers must carry liability insurance. If there is an accident, the driver who caused the accident – the one at fault – is responsible for the losses the other driver suffers.
 

<zipcode>Find The Cheapest Auto Insurance In Ohio:</zipcode>

 

Car Insurance Prices in Ohio

Ohio auto insurance costs typically are about average compared to national rates. A liability only policy in Ohio costs, on average $737. A full coverage policy averages $1,537. The overall average car insurance prices paid in Ohio are $1,137. Many factors determine how much a driver is likely to pay.

 

<qa>1;Car Insurance for Young Drivers, New Drivers, and Teen Drivers;In Ohio, teens tend to pay the most for auto insurance, Car insurance for 16-18 year olds in Ohio can top $2500 or more depending on other risk factors. Teen drivers and parents should work to bundle policies to reduce costs when possible.</qa> 

<qa>2;Car Insurance for Students (18-24 Years Old) in Ohio;Many auto insurance companies offer discounts to drivers who go away to college due to the drop in driving use. And, at this age, students are more responsible and experienced. Car insurance for students can range from $2200 to $2300.</qa> 

<qa>3;Car Insurance for 24+ Year Olds in Ohio;Hitting the age of 24 often means lowered auto insurance costs. Throughout this time, costs will drop lower to around average rates of $1500 for most drivers especially if they do not have any accidents.</qa> 

<qa>4;Car Insurance for 55 (and Over) in Ohio;Around age 55, most people will see the lowest auto insurance rates of their lifetime if they are a safe driver. Costs may be as low as $1000 for some drivers. Seniors may begin to see an uptick if they are involved in any accidents or claims.</qa> 

<qa>5;Car Insurance for Veterans in Ohio;For veterans of the U.S. Armed Force, discounts on auto insurance may be available. These are set by the insurance companies, and not always offered. Inquire about discounts when applying for coverage.</qa>

 

AgeMost Popular VehicleGenderMost Common City
18 - 24ChevroletMale - 54% | Female - 46%Columbus
25 - 54ChevroletMale - 46% | Female - 54%Columbus
55 - 64ChevroletMale - 40% | Female - 60%Columbus
65 +ChevroletMale - 42% | Female - 58%Columbus

* This information is based on Pretected.com users.

Traffic Violations and Fines in Ohio

Speeding Ticket Cost in Ohio

Many factors play a role in the cost of a speeding ticket in Ohio. Each county and city sets these rules. Speeding tickets can range from $80 up to $500 or more. Reckless driving in Ohio can mean a higher points value too. One or two points is added to a driving record for these types of violations.

Driving While High Laws in Ohio

Even those who receive a medical marijuana use card cannot drive or operate a vehicle under the influence. Doing so can increase fines and penalties leading to license suspension.

Driving Without Car Insurance in Ohio

Driving without auto insurance in Ohio is illegal. You may lose your driving privileges if you do so and have to pay a fee to have them reinstated. Fines can range from $500 on up. In some cases, you may be required to maintain an SR-22 at that point.

Texting and Driving in Ohio

Many cities in Ohio have texting and driving laws. This is a form of distracted driving, as is eating while driving. Cell phone use while driving can cause accidents or moving violations, which can amount to fines and tickets.

 

<twitter>If you live in Youngstown, Ohio, you could pay a fine if you run out of gas on the roadways.</twitter>

 

Ohio Car Accidents

Understanding car accident statistics in Ohio is essential. It can give you some insight into what to expect on the roadways and what to protect from with auto insurance. Take a look at common car accidents in Ohio.

Reasons for Car Accidents in Ohio

In 2017, there were 1094 fatal crashes in Ohio. Those led to the death of 1179 deaths. Over half of those who died in accidents – 618 people – were in single-vehicle accidents.

Car Accident Statistics by Vehicle Type in Ohio

In Ohio, there were 556 people in passenger vehicles that died as a result of accidents. An additional 264 people died in pickup trucks and SUVs. There were 14 people who died as a result of an accident with a large truck. There were 157 deaths of people on motorcycles, 142 pedestrian deaths, and 19 bike-related deaths.

Car Accidents in Ohio – More Facts

When it comes to alcohol involvement, a total of 605 drivers with blood alcohol levels died in 2017. Also important is seat belt laws, which Ohio has. Of those who died, just 43 percent of them were wearing a seat belt.
 

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Ohio

  • In the city of Oxford, Ohio, it is illegal for a driver to circle the town square more than 100 times in a single session, such as a single day.
  • In the city of Fairview Park, Ohio, it is illegal for drivers to honk their horn in an excessive manner, though what is excessive is never defined by the law.
  • In all of Ohio, it is illegal to host or participate in a dual on any Ohio street.

 

Looking for Auto insurance in Ohio? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s "Smart Match":

<zipcode>Find The Cheapest Auto Insurance In Ohio:</zipcode>

 

<resources>https://www.dmv.org/oh-ohio/car-insurance.php;https://www.insurance.com/auto-insurance.aspx#Rates_By_State;https://hobanvisor.news/20-weird-laws-in-ohio/;https://www.iihs.org/iihs/topics/t/general-statistics/fatalityfacts/state-by-state-overview</resources>