Ohio Car Insurance

Ohio car insurance laws are administered by the Ohio Bureau of Motor Vehicles and all vehicles registered must comply with Ohio’s Financial Responsibility Law which requires minimum levels of liability insurance.

While most Ohio drivers simply obtain a car insurance policy through a company such as Geico or Allstate, Ohio also allows drivers to waive the typical car insurance policy requirement by depositing $30,000 with the Ohio Bureau of Motor Vehicles.

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Ohio Car Insurance Laws

State minimum auto insurance rates and requirements vary from state to state. Compare state to state below:

Driving with no insurance in Ohio will result in suspension of both your driver’s license and vehicle registration, not to mention the possible personal liability.

Drivers must carry proof of insurance at all times and Ohio law requires minimum car insurance liability insurance of at least:

• $12,500 liability insurance per accident per person
• $25,000 liability insurance for injuries of all passengers per accident
• $7,500 property damage liability

A few more details surround qualifying for this alternative option to typical auto insurance but for some drivers, it can make sense. Most still opt for car insurance though through a car insurance company.

Your average monthly car insurance rates may not increase as much as you might think by adding additional coverage like comprehensive. Review rates for auto insurance coverage below:

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Can I buy more Ohio car insurance?

Of course, it’s highly recommended by most financial advisors. Ohio car insurance laws require very small amounts of coverage, so almost no driver should ever opt for just the bare minimum policy coverage.

Liability insurance only covers damage to other peoples vehicles so if you do just purchase Ohio minimum car insurance requirements in a policy you will have no coverage for damages you or your vehicle sustain in a car accident.

It is illegal by Ohio law to drive without car insurance. Law enforcement officials are empowered with the right to impound and immobilize your license plates for up to 30 days for the first offense. (For more information, read our “Car Insurance for Law Enforcement Officers“).

Ohio Car Insurance Discounts

With over 150 licensed car insurance companies in Ohio, residents should have no problem finding an auto insurance provider. Average Ohio car insurance rates are almost 40 percent lower than almost any state.

In fact, only 2 states have lower average car insurance premiums than Ohio but this does not mean you still can’t save money on premiums.

All the normal car insurance discounts apply in Ohio including the good driver discount, multi-policy discounts.

ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in OH.

Gender and age will affect your auto insurance. Younger drivers are often in a higher risk class. See if the gender stereotype (males vs female car insurance rates) holds true in OH.

Six major factors affect car insurance rates in Ohio. Which auto insurance factors will affect rates the most? Find out below:

Who is the cheapest car insurance company in OH? Review the average auto insurance rates by company below:

Who are the largest auto insurance companies in OH?

Shop around and compare Ohio car insurance companies as compared to Michigan, Louisiana, and other very expensive states it will seem like a deal buying Ohio car insurance from nearly every provider.

Explore Car Insurance Costs Across Ohio by City

Discover the diverse range of car insurance rates across different cities in Ohio. From Aurora to Delta and Jackson to Lodi, delve into the comparative costs of car insurance in these locations. Whether you’re a resident seeking the best rates or simply interested in regional differences, start comparing rates now to find the most suitable option for you.

Enter your zip code below to get FREE car insurance quotes today!

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