Cheap Auto Insurance in Ohio
Looking for Ohio automobile insurance? Whether you live in Columbus, Cleveland, Cincinnati, Toledo, or Akron, you can get hold of up to ten rate quotes from major agencies near you by using CheapCarInsuranceinc.com. Prices fluctuate by insurer and you ought to compare rates thoroughly before you acquire a policy. We’ll help you choose the coverage to meet your needs.
Ohio Auto Insurance – Average Premiums
There are multiple elements that lead to an average rate of $77 each month for the price of Ohio vehicle insurance. If you live in an area with a high rate of automobile collisions, like Columbus, your insurance costs may be as high as $83 monthly or more. But living in a rural, backwoodsy area like Clearwater or Akron has slightly cheaper rates (around $71 or less).
Important Ohio Auto Insurance Laws and Requirements
In order to drive legally in the state of Ohio, you must be able to prove financial responsibility; most drivers choose to satisfy this requirement through buying cheap Ohio car insurance. In order to comply with state requirements, you will need to purchase Liability coverage. Ohio drivers are not required to purchase UM/UIM or no-fault insurance.
| Coverage | Requirements | Most Common |
| Liability Bodily Injury | 12,500/25,000 | 100,000/300,000 |
| Liability Property Damage | 7,500 | 100,000 |
| Bodily Injury - Motorist Uninsured | Not required | 100,000/300,000 |
| Not required Coverage | Medical Payments Coverage | 5,000 |
| Collision Coverage | Not required Coverage | 700 Insurance deductible |
| Comprehensive | Not required | 0 deductible |
Choosing the Right Amount of Ohio Car Insurance Coverage
There are specific vehicles that might take advantage of less coverage than more. Older vehicles, or cheaper ones, may not need six figures worth of coverage bought. On the other hand, a brand new and costly vehicle may not be fully protected using the minimum state coverage bought.
Ohio DUI Laws
Drivers convicted of their first DUI offense, may face the following penalties: either a prison sentence ranging from 3 days to 6 months or a 3 day driver intervention program (6 days in prison if your BAL is 0.17 or above); your license may be suspended anywhere from 6 months to 3 years; you will also have to pay a $450 reinstatement fee, and you may face a fine ranging from $250 to $1,000.
Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of significant driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In Ohio, you will need to file an SR-22 in order to have your driver’s license reinstated.
Age Limit Laws
At 15 years and 6 months of age, Ohio teenagers can apply for their first learner stage permit. This permit requires 6 months of good standing, 50 hours of supervised (and 10 night) driving, and cannot be graduated until the driver is at least 16.
During the Intermediate stage, 16 year old drivers cannot be on the road between midnight and 6 AM (1 AM- 5 AM for 17 year olds). No more than one non-family passenger is allowed in the vehicle without adult supervision. Full driving privileges for daytime driving are awarded at the age of 17, and a full license at the age of 18.
Credit Score Laws and Regulations
In lots of states, it’s perfectly legal for insurance companies to judge your private credit information when determining just how much to ask you for every month. And also the lower your credit rating is, the greater the rate per month you’ll be having to pay for the Automobile insurance policy inside the state of Ohio.
Insuring your Vehicle in Ohio
Unlike what most motorists think, the fact is that your insurance plan is tailored much more according to your automobile than you, the owner. What this means is in case your vehicle is involved with any kind of accident – even when you are not driving it at that time – you may be held financially responsible. Because of this, the make and model are important details for the insurer to understand before they issue an insurance policy on your automobile.
Additional Ohio Auto Insurance Laws and Requirements
All the laws and regulations we’ve talked about above can make a substantial effect on how low or high your monthly minute rates are in general. But understanding the basics of the state’s everyday traffic laws and regulations is another useful way to maintain your insurance costs are minimal.
Highway Safety Laws
The state of Ohio does not recognize that there are certain driving behaviors which, if left unchecked, could produce a potentially harmful situation on the highway. But even though law enforcement can’t pull you over and ticket you for committing such acts by themselves (like failure to obey traffic control devices, or driving outside traffic lanes, for example) you could face legal penalties for such accidents if they lead to a significant accident.
| Aggressive Driving | No state law |
| Cell Phones and Texting Laws | No state law |
| Inc. Penalty for High BAC | BAC 0.17 |
| Admin. License Susp. on 1st Offense | 90 days |
Speed Limits and Cell Phone Use
Increasingly more states are progressively passing bans on mobile phone use while driving. Ohio is among those states with a primary, all-driver ban on texting, in addition to banning drivers under the age of 18 from talking while operating a moving vehicle. Should legislation enforcement official catch you doing this, they are able to pull you over and ticket you for your breach alone.
| Rural Interstate | 70 mph |
| Urban Interstate | 65 mph |
| Other Limited-Access | 55 mph |
Important Ohio Contacts
Ohio Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.
How to contact directly:
The Ohio Department of Insurance
50 W. Town Street
Third Floor – Suite 300
Columbus, Ohio 43215
(614) 644-2658
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