The buckeye state is a wonderful mix of big cities and small towns, fast highways and leisurely country roads. If you’re looking for affordable car insurance for driving the roads of Ohio, you’ll want to explore quotes from various providers.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Ohio. And if you want to learn more about car insurance rates in Ohio, keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Ohio.
Cheapest minimum coverage car insurance in Ohio
Each state has different requirements for the minimum insurance that drivers must carry. Here’s the coverage you need to have when you’re on the road in Ohio:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Ohio:
Additional coverages you might want to consider when shopping for car insurance in Ohio
Coverage to Consider
High percentage of uninsured drivers
Uninsured/underinsured motorist protection offers coverage if an uninsured or underinsured motorist seriously injures you or a member of your household.
Severe winter storms
Comprehensive insurance covers your vehicle if it is stolen or damaged by a falling object, animal, vandals, or weather event.
Icy winter roads
Collision insurance can be especially helpful during winter driving, when collision potential is at its highest. It covers physical damage to your car in the event of a collision.
Minimum liability insurance is all you need to legally drive in Ohio, but purchasing additional coverage is a good idea if you can afford it.
Best carriers for minimum coverage car insurance in Ohio
Driving without the minimum required insurance under Ohio state law can result in some pretty major consequences. If you’re caught, penalties may include fines, license and registration suspension, and vehicle towing and impoundment.
But there’s really no need to drive uninsured or underinsured, since it’s easy to find affordable coverage from insurers.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Ohio:
As an at-fault insurance state, carrying more than just the minimum required coverage is a good idea in Ohio.
If you get into an accident where the other driver is at fault but not insured, you’ll need to rely on uninsured motorist coverage to take care of the costs. This isn’t part of the mandatory insurance requirements, but is almost always part of a full coverage insurance package.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
On top of this, research shows that young drivers are more likely to engage in risky driving behaviours like speeding, which increase the likelihood of an accident.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in Ohio with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
The length of time that these infractions affect your insurance premiums vary depending on your provider and the severity of the charge. Many insurance companies look back up to 10 years for major violations.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Cost of insurance for young drivers in Ohio with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
And high premiums aren’t the only issue—there’s also a loss of privileges. In Ohio, teenager drivers who are convicted of a moving offense must travel with their parents for six months following the incident.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Ohio as a whole typically enjoys lower car insurance rates than the nationwide average. This can be attributed to the safe habits of Ohio drivers and relatively few incidents and claims.
The state also has a saturated and competitive insurance market, which means more choice for drivers—and lower rates.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.