Best Cheap Auto Insurance in Ohio 2022 – Forbes Advisor

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Finding Cheap Auto Insurance in Ohio

If you are an Ohio driver, good auto insurance rates can seem elusive. The cheapest insurers will depend on your driving record and other factors. We’ve evaluated auto insurance rates in Ohio to find the cheapest options for a variety of drivers.

Related: Best Car Insurance Companies

Cheap auto insurance in Ohio for good drivers

If you have a sparkling driving record in Ohio, the chances are good that you can find great car insurance rates. Consult the quotes for Geico and Grange Mutual auto insurance. If you are a military member or an eligible veteran, you can probably find competitive rates for USAA auto insurance.

Cheap car insurance in Ohio for speeding drivers

If you are caught speeding, you may notice an increase in your auto insurance rates when it comes time to renew. Try Geico and State Farm auto insurance quotes for better prices. Service members and veterans alike should check with the USAA.

Cheap Ohio Auto Insurance For Drivers Who Have Caused In An Injury Crash

If you cause an accident that injures someone else, you can expect auto insurance increases of about $ 700 a year in Ohio. You may be able to find the most competitive rates from State Farm, Geico, and Auto-Owners auto insurance. If you are in the military or veteran, you can probably find better prices at USAA.

Cheap Ohio Auto Insurance For Drivers With A DUI

A DUI in Ohio can have a major impact on your auto insurance rates. If you have a DUI on file, get quotes from State Farm, Grange Mutual, or Travelers. Eligible military and veterans may find better prices at USAA.

Cheap Auto Insurance In Ohio For Drivers With Low Credit

Having bad credit in Ohio usually means higher auto insurance rates. It’s especially important to shop around for auto insurance if bad credit is affecting your rates. We recommend that you get quotes from Geico and Grange Mutual. The military should check the prices at the USAA.

Cheap auto insurance in Ohio for drivers without insurance

An error in your auto insurance history could cost you dearly when you purchase your next policy. If you need to purchase insurance and your insurance has expired, get quotes from Geico, State Farm, and Auto-Owners Insurance. Service members and veterans alike should check USAA rates.

Cheapest Vehicles for Insurance in Ohio

In Ohio, the Jeep Wrangler JL Sport, Honda CR-V LX, and Subaru Crosstrek are among the cheapest cars for insurance, based on the average prices of the top 50 selling 2021 models. The 20 cheapest are below.

The most expensive cars for insurance in Ohio among the popular models are the Tesla Model S Performance ($ 2,807 per year) and the Lexus ES 300H ($ 1,749 per year).

Related: The most expensive and cheapest cars to insure nationwide

Minimum auto insurance required in Ohio

Car owners in Ohio should purchase auto liability insurance, which covers injuries and damages you cause to others. This type of coverage also pays for legal defense in the event that you are sued due to a car accident. If someone hits you, you can file a liability claim or sue them.

In Ohio, you must purchase automobile liability insurance with limits of at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for bodily injuries to more than one person in a single accident
  • $ 25,000 for property damage in an accident

This is written 25/50/25.

It is a good idea to purchase auto liability insurance limits that are higher than the Ohio minimum requirements. Here’s why: If you cause an accident that results in multiple injuries or significant property damage, the bills could exceed your insurance limits and you could be sued for the rest. It’s a good idea to get enough liability insurance to cover your equity or the amount you could lose in a lawsuit.

What else should I have?

Coverage for uninsured / underinsured motorists. Uninsured Motorist (UM) coverage covers medical expenses if you are struck by another driver who does not have liability insurance. Underinsured Motorists (UIM) coverage covers medical expenses if you are struck by a driver who has third party liability insurance but not enough to cover all of your medical expenses.

Medical payments (MedPay). This type of insurance covers medical costs for you and your passengers for injuries sustained in a car accident, regardless of who caused the accident. These are usually small amounts, such as a $ 1,000 blanket.

Collision and full coverage. If you want coverage for your car, these types of insurance cover a plethora of issues, such as auto theft, car accidents, hail, floods, fires, riots, vandalism, falls and falls. ‘objects and collisions with animals (such as birds and deer).

If you have a car loan or rental, your loan or rental company will most likely require you to purchase collision damage waiver and comprehensive insurance.

Summary: Compulsory Auto Insurance in Ohio

Can I show my insurance ID card from my phone?

Ohio allows you to use your phone to show an auto insurance ID card. If you are arrested, you don’t have to hope that your ID card is somewhere in your glove compartment. Many auto insurers have mobile apps that include access to your insurance ID.

Factors Allowed In Ohio Auto Insurance Rates

In addition to your driving record, previous claims, and vehicle model, Ohio auto insurance companies can use these factors when calculating rates for customers.

How many uninsured drivers are there in Ohio?

About 13% of Ohio drivers don’t have auto insurance, according to the Insurance Research Council. That’s why it’s good to have your own insurance to cover the issues they cause, including MedPay, Uninsured / Underinsured Motorist Coverage, and Collision Damage Insurance.

Penalties for driving without automobile insurance

If you’re caught driving without auto insurance in Ohio, your driver’s license could be suspended for up to 90 days (and up to a year for repeat offenders). Your vehicle could be impounded and you can expect to pay impoundment fees, license / registration overhaul fees, and court fees.

When can a vehicle be totaled in Ohio?

If your car is badly damaged, Ohio auto insurance companies may declare it a total loss if the vehicle is “economically impractical” to repair.

Resolve insurance issues

The Ohio Department of Insurance is responsible for regulating insurance companies and receiving complaints. If you have an unresolved issue with an auto insurance company, you can file a complaint.

Methodology

To find the cheapest auto insurance companies in Ohio, we used rates from Quadrant Information Services, an insurance data and analytics provider. Rates are based on a female driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

The companies assessed for Ohio were Allstate, Auto-Owners Insurance, Cincinnati Insurance, Farmers, Geico, Grange Mutual, Motorists Mutual, Ohio Mutual, Progressive, State Farm, Travelers, USAA and Westfield.