Car Insurance in Ohio

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Table of Contents
  • How Much is Car Insurance in Ohio?
  • Real Quotes for Jerry.ai Customers in Ohio
  • The Cheapest Car Insurance in Ohio
  • Most Popular Insurance Companies in Ohio
  • Cost to Insure Different Cars in Ohio
  • Car Insurance Laws in Ohio
  • Car Registration Information in Ohio

Looking for car insurance in Ohio? Here you’ll find all the information you need on driving a car in The Buckeye State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Columbus or Cleveland, Toledo or Cincinnati — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Ohio car insurance.

How Much is Car Insurance in Ohio?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Ohio, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Ohio pay $1,594.68 each year for car insurance. This means drivers in Ohio pay 47% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in Ohio? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Ohio, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Ohio

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-21
  • Honda Civic Sport
20 year old maleCLEARCOVER$52.50$271.50Basic
2021-01-31
  • Chevrolet Malibu 1lt
20 year old femaleCLEARCOVER$133.67$86.33Preferred
2020-12-01
  • Dodge Journey Se
25 year old femaleProgressive$99.83$215.17Preferred
2021-01-17
  • Jeep Wrangler Unlimited Rubicon
45 year old maleNational General$53.17$11.83Standard
2021-01-14
  • Ram 1500 Big Horn/lone Star
40 year old maleProgressive$86.83$73.17Preferred

The Cheapest Car Insurance in Ohio

Which companies offer cheap car insurance in Ohio? Below, we’ve ranked Ohio car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in Ohio for Basic Coverage

There’s all kinds of auto insurance you can get in Ohio, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Ohio. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Ohio, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Ohio

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$813.92
2Gainsco$862.19
3National General$866.13
4Electric$870.73
5Progressive$881.75

Real Jerry Quotes for Basic Coverage in Ohio

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-02-10
  • Chevrolet Cruze Limited Eco
22 year old femaleProgressive$65$191
2021-02-11
  • Chevrolet Impala Lt
21 year old femaleProgressive$55.83$204.17
2020-11-30
  • Ford Fiesta Se
20 year old maleNational General$58.50$87.50
2021-01-28
  • Honda Accord Ex
20 year old maleCLEARCOVER$79.83$115.17
2021-01-28
  • Pontiac G6 Base
  • Ford Ranger
  • Ford Escape Xlt
  • Chevrolet Trax Ls
  • Ford Edge Sel
  • Toyota Scion Xa
42 year old femaleNational General$58.33$206.67

Average Cheapest Car Insurance for Standard Plans in Ohio

Most drivers will want more than the basic minimum coverage that Ohio requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Ohio, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Ohio

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$981.81
2National General$1,185.91
3Progressive$1,223.46
4Travelers$1,249.04
5Nationwide$1,534.74

Real Jerry Quotes for Standard Coverage in Ohio

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-11-28
  • Honda Civic Lx
  • Ford Mustang Gt
23 year old maleNational General$155.58$144.42
2020-12-24
  • Mitsubishi Outlander Sport Es
19 year old femaleNational General$75.42$214.58
2021-01-15
  • Ford Mustang
30 year old femaleCLEARCOVER$50.83$63.17
2021-01-13
  • Buick Lesabre Custom
21 year old maleNational General$53.58$77.42
2021-01-06
  • Chevrolet Aveo Base
43 year old femaleTravelers$78.58$139.42

Cheapest Car Insurance in Ohio for Preferred Coverage

Preferred coverage protects Ohio drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Ohio, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Ohio

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,031.08
2National General$1,277.07
3Travelers$1,301.10
4Progressive$1,303.94
5Nationwide$1,447.59

Real Jerry Quotes for Preferred Coverage in Ohio

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-03
  • Chevrolet Malibu 2lt
  • Chevrolet Trax 1lt
32 year old femaleCLEARCOVER$74.67$225.33
2020-12-19
  • Chevrolet Silverado K1500 Lt
33 year old maleNational General$104$101
2021-02-05
  • Kia Optima Lx
28 year old femaleProgressive$51.17$137.83
2021-02-23
  • Chrysler 200 Limited
36 year old femaleProgressive$69.33$105.67
2021-02-25
  • Chrysler 200 Limited
26 year old maleProgressive$59$49
Insurance companyAverage annual premium in Ohio
Progressive$1,247.22
CLEARCOVER$1,285.43
National General$1,488.96
Gainsco$872.36
Kemper$1,482
Travelers$1,654.40
Nationwide$1,004.72
Kemper$3,435.33
Safeco$1,046.20
Allstate$1,031.70

Cost to Insure Different Cars in Ohio

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Ohio drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Ohio. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-27
  • Chevrolet Cavalier
28 year old femaleProgressive$57.67$40.48Preferred
2020-12-31
  • Hyundai Elantra Blue
20 year old femaleCLEARCOVER$111.83$199.17Standard
2021-01-15
  • Hyundai Elantra Blue
44 year old femaleCLEARCOVER$55.50$24.50Preferred
2021-02-04
  • Toyota Corolla Ve
19 year old maleNational General$100.50$98.50Preferred
2020-12-12
  • Ford Mustang Gt
29 year old maleCLEARCOVER$62.17$107.83Standard
2021-02-04
  • Dodge Journey Se
32 year old femaleCLEARCOVER$65.33$82.67Preferred
2021-01-02
  • Nissan Versa Note S
19 year old femaleProgressive$94.50$13.05Basic

Car Insurance Laws in Ohio

Like almost all other states in the U.S., Ohio has a set of laws that mandate the amount of auto insurance coverage drivers must carry. Below, you’ll find all the information you need to know about the minimum coverages required by the state of Ohio.

What Car Insurance is Required by Law in Ohio?

For all vehicles with four or more wheels or more, you must sign a Proof of Financial Responsibility Statement before you can register your vehicle in Ohio. What that means is that you can prove you have the minimum coverage of car insurance required by the state. Bodily Injury Liability (BIL) and Property Damage Liability (PDL) coverage are both mandatory for all vehicles insured in the state.

Ohio is an at-fault state, so the person deemed to be responsible for causing a car accident is also responsible for the economic fallout that results. If you’re at fault, BIL coverage takes care of the medical expenses incurred by the other driver and other individuals that have become inadvertently injured in the collision. BIL will cover medical bills, medications, ambulance rides, and even lost wages due to the injuries, up to the limit of the policy.

PDL coverage works in a similar way for property that is damaged as a result of the accident. Within the policy limits, it will cover buildings, other vehicles, bicycles, trees, utility poles, and so on. Should a driver’s insurance be insufficient to cover all the related expenses, the party or parties involved that are not at fault have the option to sue to recoup their costs.

While those are the minimum coverage requirements for Ohio, drivers may want to think about additional options. Uninsured motorist coverage and underinsured motorist coverage add a level of comfort against out-of-pocket expenses when the other driver doesn’t have insurance, or their policy doesn’t cover all the costs. Of course, collision insurance and comprehensive coverage are a great idea, too.

Can You Drive a Car without Insurance in Ohio?

Ohioans who wish to drive a vehicle must have valid insurance as well as proof of financial responsibility, so you are not permitted to drive without insurance in the state. If you get caught driving without insurance, your driver’s license will be temporarily revoked and you’ll need to pay a $100 reinstatement fee. Should you be involved in a collision when you aren’t insured, you could face a suspension for two years or longer plus you may not be eligible to have your license reinstated until all the damages against you are satisfied.

If you get into an uninsured accident in Ohio, you may be required to obtain an SR-22 certificate. This is issued by your insurer to prove you have mandatory insurance coverage. After being determined a high-risk driver, you’ll have to maintain an SR-22 on file for at least 36 months.

What Are the Minimum Insurance Requirements in Ohio?

Ohio is not unique in that the state requires all drivers to sustain minimum amounts of car insurance on their vehicle. Mandatory insurance protects drivers as well as other motorists and property that could be involved in a car accident. Legal requirements for minimum car insurance amounts in Ohio are as follows.

Minimum Insurance Requirements in Ohio

  • Bodily injury liability coverage: $25,000 per person
  • Bodily injury liability coverage: $50,000 per accident
  • Property damage liability coverage: $25,000 per accident

Car Registration Information in Ohio

You have to insure your vehicle to drive in Ohio, but you also need to register your car before you can get into the driver’s seat. By state law, you need to complete the registration process within 30 days of establishing residency or by the time you start working, whichever is first.

When you register your car in Ohio, you will be issued a pair of license plates that have to be installed, one on the front and one on the rear. Those license plates are issued to your vehicle identification number (VIN) and have to be on the vehicle at all times. A registration sticker showing the new date of expiry is provided whenever you renew your registration, which has to be applied to the plates.

The process of registering a vehicle in Ohio is straightforward. New registrations must be completed in person at a local deputy registrar license agency. You’ll have to provide a Certificate of Title, an Ohio driver’s license or comparable ID, and an emissions check certificate if required.

Renewals have been simplified through the OPLATES.com Online Renewal Portal. You can also visit the deputy registrar’s office for renewal if you prefer in-person dealings. Renewals are eligible for multi-year registration from two to five years so long as it’s all paid in full up front. Initial registration fees in Ohio are based on the type of vehicle. A passenger vehicle is $31 annually, not including a $5 license agency fee.

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