Compare car insurance quotes from several top insurance companies and find the cheapest auto insurance rates in the state of Ohio in less than 5 minutes. Let CheapQuotesCarInsurance.com teach you everything you need to know about buying affordable auto insurance that fits your budget and your lifestyle. Learn about Ohio minimum car insurance requirements and how the cost of auto insurance in Ohio compares to the cost of auto insurance in other states. We offer top online car insurance comparison tools for Ohio residents. Car insurance rates change every year, so be sure to view quotes from at least two insurance companies and lower your car insurance premiums today.
Ohio Minimum Car Insurance Requirements:
Ohio state law requires that car insurance policies must include a minimum bodily injury liability coverage limit of $12,500 for one person in an accident and $25,000 for all persons injured per accident. The minimum property damage liability coverage limit is $7,500. Ohio does not require Uninsured/Underinsured Motorist coverage.
Ohio’s Most Common Car Insurance Coverage
|
Coverage |
Ohio Minimum Car Insurance Requirements |
Ohio Most Common Car Insurance Coverage |
|
Bodily Injury Liability |
$12,500/$25,000 |
$100,000/$300,000 |
|
Property Damage Liability |
$7,500 |
$50,000 |
|
Uninsured Motorist Bodily Injury |
Not required |
$100,000/$300,000 |
|
Medical Payments |
Not required |
$5000 |
|
Collision |
Not required |
$500 deductible |
|
Comprehensive |
Not required |
0 deductible |
The cheapest Ohio auto insurance policies will only meet the minimum state requirements for insurance coverage, but many customers will want and need more insurance coverage including: coverage for uninsured/underinsured motorists, medical payments, collision, and comprehensive coverage. Discover which coverage is best for you.
Ohio Auto Insurance Laws
Ohio is NOT a no-fault state but rather follows a Tort system. This means that the driver who is at-fault in the accident and the at-fault driver’s insurance company pays the victim’s medical expenses. Also, the victim has the option to file a claim against the at-fault driver for additional and related damages including lost wages and pain and suffering.
Average cost of Car Insurance in Ohio
The National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (I.I.I.) provide data about car insurance premiums for all 50 states. Ohio residents spend an average of $628 per year for car insurance (liability coverage). Ohio ranks as the 11th cheapest state to buy auto insurance. The national average is $811 per year for car insurance (liability coverage). In 2010, Ohio car insurance premiums have decreased slightly compared to 2009. Now is the time to compare auto insurance rates from multiple providers to lower your car insurance premiums.
We offer local car insurance quotes available in all of Ohio including:
Akron
Canton
Cincinnati
Cleveland
Columbus
Dayton
Lorain
Parma
Toledo
Youngstown
Insurance companies weigh the factors that affect your car insurance rates differently so everyone’s rates will be different for each company. Smart auto insurance shoppers will compare quotes from several car insurance companies to find the cheapest car insurance quote possible. CheapQuotesCarInsurance.com has partnered with top insurance companies like Geico, Nationwide, AllState, Esurance, Liberty Mutual, and Travelers to provide our customers with affordable quotes from highly reputable insurance providers. Enter your zip code and answer several general questions about your driving history to compare Ohio auto insurance rates and save money on your auto insurance premiums.
To contact Ohio’s department of Insurance:
insurance.ohio.gov
Mailing address:
Ohio Department of Insurance
2100 Stella Court
Columbus, OH 43215-1067
Phone number
(614) 644-2658
Toll-free in Ohio only
(800) 686-1526
Fax number
(614) 644-3743