Cheap Ohio Auto Insurance for 2021

Average Ohio auto insurance rates are an even $100/mo. The required Ohio auto insurance minimums are 25/50/25 for bodily injury and property damage coverage. To find the right Ohio auto insurance company and coverage plan for you, shop around for Ohio auto insurance quotes from multiple companies.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 16, 2021

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Known by residents as “The Buckeye State, Ohio is the 34th largest state in the nation and the 7th most populous. Ohio has a large percentage of its population that gets behind the wheel daily to drive for work and pleasure, and of course, they’ll need auto insurance.

Below we’ll shed some light on Ohio auto insurance and some facts and figures that may be of interest to Ohio drivers. Understanding auto insurance will make it easier to buy the coverage you need.

Before you buy Ohio auto insurance, make sure to shop around. Enter your ZIP code above for free Ohio auto insurance quotes.

Ohio Auto Insurance Laws And Requirements

In Ohio, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $25,000 per accident

Take a look at how Wyoming’s minimum rates compare with surrounding states.

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Optional coverage in Ohio includes:

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Car Reimbursement Coverage
  • Roadside Assistance / Towing and Labor Coverage
  • Uninsured/Underinsured Motorist Coverage

According to the Ohio Department of Insurance, drivers in the state enjoy the thirteenth lowest auto insurance rates in the nation. The state does require that drivers provide proof of financial responsibility – which nearly everyone does in the form of purchasing Ohio auto insurance. Like virtually all other mandatory insurance states in the country, Ohio has two main areas where drivers are required to cover their financial liability.

Bodily Injury Liability (BIL) – this covers injuries to another driver, passengers, or pedestrian in an accident where you are at fault. Ohio state law requires that drivers carry $25,000 in BIL coverage per person in any one accident and $50,000 in BIL coverage for all parties in any one accident.

While these minimums are higher than in some states (such as Pennsylvania), they are still quite low when compared to today’s average medical treatment costs. Any driver with the means to purchase additional BIL insurance coverage should do so.

Property Damage Liability (PDL) – this policy covers the driver for any claims resulting from property damage they cause in an accident. For instance, any accident involving another car will result in a property damage claim. The minimum coverage required by Ohio law is $25,000, but again, it’s critical to get as much PDL as you believe is necessary and fits within your budget. Any accident at freeway speeds is likely to cause much more than $25,000 in damage.

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Ohio Auto Insurance Rates

As mentioned previously, Ohio enjoys relatively inexpensive auto insurance when compared to the rest of the nation.

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In 2010, the average Ohio auto insurance premium was $100 per month, which is quite a bit lower than the national average of $146 per month recorded at the same time.

Let’s take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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Bear in mind that every person is going to be quoted different monthly and annual Ohio auto insurance rates due to variables such as driving record, make and model of the automobile being insured, credit rating, and more. It’s best to research online or check with an auto insurance agent if you’re unsure about what you should be paying for Ohio auto insurance.

Ohio Driving Stats (Accidents And Theft)

The news isn’t great for Ohio drivers when it comes to auto crashes, unfortunately. Ohio suffered almost 300,000 auto crashes in 2010, with 910 fatalities reported. This number is actually up slightly from 2009, when 298,663 crashes were reported.

On the plus side, the number of fatalities dropped in 2010 from 2009, when 945 fatalities were caused by automobile accidents. As being in an accident can significantly impact your insurance costs, it’s important to drive as safely as possible when out cruising the roads. It should go without saying, but wearing seatbelts and driving defensively are critical and could end up saving your life if you should get into a crash.

The news is much better for Ohio citizens when we look at instances of vehicle theft. Ohioans reported just 22,900 vehicle thefts in 2009, down from almost 29,000 in 2008 – a significant decrease.

Ohio’s statewide rate of vehicle theft is down 50% since 2001, which can be directly attributed to the enforcement efforts of state and local police, and much greater use of anti-theft devices such as car alarms and “Lojack” systems. Fewer stolen vehicles mean less reason for insurance rates to go up, so this is one area that is cause for celebration.

Company vs state: Ohio Auto Insurance Rates by Company

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But which companies are the largest, holding the most market share percentage in the region?

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Even if you’re a first-time driver who’s completely new to auto insurance, you would do well to spend some time researching a bit more about Ohio auto insurance and what your options are before you commit to an insurance provider.

There are quite a few insurance companies in the Ohio marketplace that can offer you any number of insurance packages and plans, so make sure you spend some time to figure out which plans are best for you and what fits into your budget.

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Ohio Auto Insurance Agents

Ohio Auto Insurance Agents

Additional State of Ohio Auto Insurance Resources

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State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Ohio Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Ohio
Average Monthly Auto Insurance Rates by Age & Gender in Ohio
Ohio Auto Insurance Rates by Company vs. State Average
Ohio Auto Insurers by Market Share %
State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Ohio Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Ohio
Average Monthly Auto Insurance Rates by Age & Gender in Ohio
Ohio Auto Insurance Rates by Company vs. State Average
Ohio Auto Insurers by Market Share %