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Guide to Auto Insurance in Ohio
Strategies to help you cut costs on car insurance in OhioOhio auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Ohio, you need auto insurance in Ohio. Here's what kind and how much, according to Ohio state law:
- When buying auto insurance in Ohio, drivers must purchase bodily injury liability (BIL) and property damage liability (PDL) coverage; collision, comprehensive, personal injury protection (PIP), uninsured motorist bodily injury (UM) and uninsured property damage coverage are recommended, but not required.
- Auto insurance in Ohio must include BIL coverage of at least $12,500 per person and $25,000 per accident for costs associated with the injury or death of others in a wreck.
- Auto insurance in Ohio must include PDL coverage of at least $7,500 for damage to another person's property in an accident.
Action Steps
The best contacts and resources to help you get it done
Browse Ohio auto insurance rates online
If you need Ohio auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Ohio, they offer a fast and convenient way to research and compare premiums.
I recommend:
Get comprehensive online quotes from Ohio car insurance providers at websites like InsWeb, Insurance.com, InsuranceUSA and InsuranceFinder, or from companies like Progressive and Esurance, which quote both their own and competitors' rates.
Solicit Ohio car insurance quotes from national providers
Most major car insurance carriers offer auto insurance in Ohio and all provide competitive Ohio auto insurance rates.
I recommend:
Among the largest and most popular car insurance companies in Ohio are AIG, Allstate, Chubb, Farmers, GEICO, The Hartford, Liberty Mutual and State Farm. National associations like AAA and AARP are also good sources for affordable auto insurance in Ohio.
Get car insurance in Ohio from local and regional companies
In Ohio, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
I recommend:
For automotive insurance in Ohio, try Ohio-based companies like Ohio Mutual Insurance Group, Wayne Mutual Insurance Company and Safe Auto Insurance Company. Also consider local programs, like the Ohio Automobile Insurance Plan, which is designed for drivers who can't easily find auto insurance in Ohio.
Use an independent agent to find Ohio car insurance bargains
Buying car insurance in Ohio via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend:
To find an independent agent who can sell you car insurance in Ohio, use the “find an independent agent” feature at the Independent Insurance Agents of Ohio website.
Choose Ohio auto insurance companies that you can trust
Before doing business with Ohio car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend:
If you subscribe to Consumer Reports, you can check up on car insurance companies in Ohio. Another good resource is the Ohio Department of Insurance, which licenses auto insurance companies in Ohio and compiles statistics on complaints against them.
Tips & Tactics
Helpful advice for making the most of this Guide- Consider buying more coverage than is required by state law; minimum Ohio car insurance might not be enough to cover car repairs or medical bills after an accident.
- Penalties for drivers who don't have Ohio car insurance include driver's license and license plate suspension, as well as cash fines.
- If you're leasing or financing your car, dealerships might require you to have more and better Ohio auto insurance than is required by state law.
- Higher deductibles typically mean lower premiums and more monthly savings on auto insurance in Ohio.
- In lieu of auto insurance in Ohio, drivers may purchase a $30,000 surety bond to cover their legal and financial responsibilities on the road.
