Ohio Car Insurance

People have been traveling through Ohio for a very long time. Since the days of pioneers, roads have existed in Ohio and one of the most popular routes for a traveler was Main Market Route 3. This became part of the historic Lincoln Highway, the first road to connect the east coast to the west coast. It ran from New York City to San Francisco. After the development of the Lincoln Highway, Ohio experienced a surge of growth and today, there are many ways to navigate the state. Just make sure that when you’re driving, you have valid auto insurance coverage.

driving in ohio

Ohio Insurance Guide From InsurancePanda.com (Image source – FLICKR)

Ohio law requires that you have car insurance, but there are so many more reasons to purchase Ohio car insurance. If you’re in an accident and don’t have insurance, you’re still responsible for any damages or injuries that you cause. If a tree branch falls on your car during a thunderstorm, how are you going to pay for the damages if you don’t have car insurance? Although it may seem like another bill to pay, Ohio auto insurance protects you when the unexpected happens. If you need help finding the right policy for your needs and budget, simply use the resources here on Insurance Panda. It’s easy to get started.

Average Auto Insurance Prices in Ohio

During these days of economic recovery, everyone is trying to save money. Some people are clipping coupons and others are lowering their Ohio auto insurance coverage limits. This is one way to save money on your car insurance, but do you still have the right kind of protection? Purchasing Ohio auto insurance is a balancing act. You don’t want to overpay for insurance that you don’t need, but at the same time, you don’t want to underinsure yourself just to save money. I could end up costing you much much more in the long run. If you really want to save money, speak to your insurance agent or use the quote comparison tool here on Insurance Panda. It easily gathers quotes for you and allows you to compare policies side by side. If you need to personalize any aspect of your policy, that’s not a problem.

Remember that your Ohio auto insurance premium is determined by a variety of factors. If you have a terrible driving history, you can try to raise your deductible to save money, but your premium may never match that of someone who’s driving record is perfect. The best way to save money on your Ohio auto insurance premium is to drive safely and shop around.

Current average annual auto insurance premiums in the United States: $1666.62

Current average annual auto insurance premiums in Ohio: $1152.00

Most Expensive Ohio Insurance Rates

1. Youngstown (44504): $1224

2. Youngstown (44502): $1224

3. Youngstown (44503): $1224

4. Youngstown (44510): $1224

Least Expensive Ohio Insurance Rates

1. Galion (44833): $825

2. Jackson (44827): $826

3. Liberty (43532): $839

4. Flatrock (43545): $840

Ohio Minimum Auto Insurance Requirements

According to Ohio law, you’re responsible for maintaining a minimum amount of insurance on your vehicle, but don’t make the mistake of thinking that this is enough coverage. Too often, drivers assume that complying with the law is all they must do to take care of their auto insurance needs. While you can’t get a ticket for only sticking to the minimum, you can wind up with a hefty bill. In Ohio, the minimum liability requires for all bodily injuries is $25,000 per accident. Let’s look at an example to determine how much this can cover.

You cause an accident that involves your car, two other drivers, and two passengers. The two drivers both suffer broken bones and one must eventually spend 6 weeks in physical therapy, missing work. One of the passengers has severe whiplash and must be prescribed medication for an extended period of time. In total, the entire medical expenses that you need to pay a total of $140,000, which is way over the $25,000 per accident. You must pay the remaining amount out of pocket. Your insurance agent can help you determine the right coverage limits.

  • Bodily Injury Liability per person: $12,500
  • Bodily Injury Liability per accident: $25,000
  • Property Damage Liability: $7,500

The following amounts and policies are recommended:

  • Bodily Injury Liability per person: $100,000
  • Bodily Injury Liability per accident: $300,000
  • Property Damage Liability: $100,000
  • Uninsured/Underinsured Motorist Bodily Injury per person: $100,000
  • Uninsured/Underinsured Motorist Bodily Injury per accident: $300,000
  • Medical Payments: $5,000
  • Collision: $500 deductible
  • Comprehensive: $0 deductible

Penalties for Driving Without Insurance in Ohio

It’s important to always carry proof of insurance on your person. If you get pulled over, you can get a ticket for failure to provide proof of insurance. Fortunately, you’ll be allowed to prove that you have insurance if you take your insurance card to traffic court or mail to the address listed on your ticket.

In Ohio, the state conducts random checks to make sure that you have insurance. You’ll get a notice in the mail requesting proof of insurance. As long as you follow the listed instructions, you’ll be okay. But, if you can’t prove that you have insurance, your license and registration will enter the suspension process. You’ll lose your driver’s license for 90 days, but if this has happened before, it could be suspended for up to two years.

It’s always better to have insurance. 

How to Get Auto Insurance in Ohio

Finding the right Ohio auto insurance policy isn’t as hard as you think. All you need to do is use our simple quote comparison tool. We only require a bit of basic information and within no time, you have access to a variety of quotes from local insurance companies that can work with you to tailor your policy.

Additional Ohio Auto Insurance Resources

The information above is for reference material only and Insurance Panda cannot legally be held responsible for anything written above. For official information, visit these websites:

Ohio Department of Insurance

Ohio: Auto Insurance Consumer Tips

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