Cheap Car Insurance in Ohio (With Quotes, May 2022)

With high home affordability rates, the state of Ohio is an inexpensive place to live. That extends to affordable car insurance, which is considerably cheaper than the national average. Our guide to the cheapest insurance in Ohio can help you get started in finding cheap coverage, and you can use Insurify’s quote-comparison tool to find the best rate personalized to you.

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Some car insurance companies will be able to offer cheaper rates than others. Auto insurance rates don’t have to be sky-high. We found these affordable average rates from some of the top auto insurance companies in Ohio.

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Cheapest Liability Auto Insurance in Ohio

Liability coverage is an insurance policy that just meets the state’s minimum liability requirements to drive legally; it’s also usually the most affordable coverage level for drivers. These quotes are an average of what you might pay for insurance that meets the minimum coverage requirements.

Cheapest Full-Coverage Auto Insurance in Ohio

Full-coverage car insurance covers more than a simple liability policy does, which is why it typically costs more. A full-coverage policy may include comprehensive coverage, collision coverage, and/or underinsured and uninsured motorist coverage. These extra areas of coverage make sure you are well protected if you get into an accident.

The cheapest policies aren’t always the best ones, but the best car insurance companies don’t have to break the bank, either. We ranked the best insurance providers in Ohio according to their Insurify Composite Score, a proprietary ranking system that factors in financial health, quality, and more.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Your driving history has an enormous impact on the cost of your car insurance premiums. Insurance companies reward a clean driving record with low rates, while people with car accidents or DUIs on their records can expect to pay more. Here’s how your rates might be different depending on how you drive.

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Cheap Car Insurance for Good Drivers in Ohio

To an insurance company, a “good driver” is someone with no moving violations, such as speeding tickets or at-fault accidents. These drivers are at a low risk of causing an accident that the insurance company would have to pay for. Thus, they can expect to pay lower rates than high-risk drivers.

Cheap Car Insurance for Drivers with DUI in Ohio

DUIs can drive up your car insurance rates quickly. After a DUI, your license will typically be suspended; after it’s reinstated, you can expect to pay higher rates. However, it’s still possible to find affordable car insurance out there. These are the cheapest car insurance rates we could find for someone with a DUI in Ohio.

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SR-22 Insurance in Ohio

After your driver’s license is reinstated following a DUI, you may be required to obtain an SR-22 form from an insurance company. An SR-22 is proof that you have at least the minimum insurance that the state requires. These are some of the companies that offer SR-22s in Ohio.

Cheap Car Insurance for Drivers with an At-Fault Accident in Ohio

Causing a car accident is a sign that you’re a high-risk driver, which means higher car insurance premiums. Just one accident can negatively impact your record for up to five years. If you have an at-fault accident on your record, it’s crucial that you shop around for the best rates; otherwise, you could be stuck paying more than you should be.

Cheap Car Insurance for Drivers with Speeding Tickets in Ohio

Like DUIs and other moving violations, speeding tickets are an indicator of risk for insurance companies. They stay on your record and affect your rates for up to five years. But don’t fret—it’s still possible to find affordable insurance if you compare quotes. We found these average monthly quotes for Ohioans with at least one speeding ticket.

Credit scores are another way that insurance companies determine risk and assign insurance premiums. Statistically, people with poor credit are more likely to take risks on the road that could lead to accidents. The following is what you can expect to pay for auto insurance per month based on your credit tier.

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Even something as simple as your ZIP code can have an impact on your car insurance costs. Usually, more densely populated areas will have the highest insurance costs, while suburban areas and smaller cities will see lower rates. We analyzed the average rate you can expect to pay in these 10 cities in Ohio.

Young drivers have a higher risk profile because of their relative inexperience behind the wheel, which translates into higher premiums. You’ll notice that your premiums tend to drop as you age, then start climbing again once you become a senior. These average rates demonstrate just how much premiums can vary for people in different age groups.

Every state has minimum insurance requirements, and Ohio is no exception. Additionally, all drivers in Ohio will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Ohio.

Minimum Car Insurance Requirements in Ohio

Liability insurance comprised of bodily injury liability and property damage liability is mandatory coverage for all drivers in the state of Ohio.

According to the Bureau of Motor Vehicles (BMV), proof of insurance must be carried in the vehicle and shown at traffic stops, vehicle inspections, and accident scenes. Minimum coverages for car insurance in the state of Ohio are:

• $25,000 for bodily injury liability of one person
• $50,000 for bodily injury liability of two or more people
• $25,000 for property damage liability in an accident

Ohioans are so invested in their residents purchasing liability insurance that its government has any driver applying for a driver’s license sign a document that affirms auto insurance coverage and knowledge of the penalties of driving uninsured.

Ohio DMV Information

The Ohio Bureau of Motor Vehicles (BMV) handles driving-related matters like issuing driver’s licenses and ID cards, license plates, registrations and titles. You can also sign up to become an organ donor through the BMV. Many services are available online, especially if you’re just renewing an existing ID card or registration.

Public Transportation in Ohio

Ohio doesn’t have statewide public transportation, but it does have a network of more than 70 public transit agencies, mobility management providers, and other associated businesses. Ohio’s transit providers give more than 115 million rides a year, including 15.9 million for seniors and people with disabilities.

What is a new car insurance grace period in Ohio?

Most insurance companies provide policyholders with a grace period to insure a new vehicle—though these policies vary by state law and insurance provider. Ohio drivers typically have somewhere between 7 and 30 days to insure their new vehicle, but no Ohio law sets a specific grace period. For this reason, drivers should check for specifics with their provider.

Despite having a grace period to insure their new vehicle, Ohio drivers should prioritize insuring their car shortly after purchasing it to ensure they do not overlook the requirement. Failure to insure a car in Ohio can result in high premiums for a future policy and increased financial risk in the event of an auto accident or offense occurring after the set grace period.

What happens if you have a traffic incident or accident during the grace period?

No one plans on having a car accident or receiving a ticket for a traffic offense, but it happens—even with a brand-new car. Ohio drivers with existing insurance coverage who get into an accident or traffic offense during their provider’s grace period will not be treated as uninsured motorists. The amount of coverage extended may vary by provider.

In the event of an accident or traffic violation by drivers in the new car grace period, insurance providers typically extend the policyholder’s existing insurance coverage plan for the new vehicle. The driver will still be expected to cooperate with any necessary state penalties or fines in relation to the event, and uninsured motorists will face heavier penalties for the incident.

Is a grace period a good time to reevaluate your insurance coverage?

Yes, it is always a good idea to reevaluate your insurance coverage before purchasing or renewing an auto insurance policy. Premiums fluctuate over time, so a provider with affordable coverage a year ago may not be feasible for your insurance needs today. Insurify’s comprehensive quote-comparison tool allows users to easily shop around and compare insurance rates from top providers to meet their needs.

The best and easiest way to find cheap car insurance is to compare quotes from several providers. That’s where Insurify comes in. This easy-to-use tool simplifies the quote-comparison process by delivering lots of quotes from all of Ohio’s top insurers. That way, you can make sure you’re getting the best policy for you.