Ohio Auto Insurance
Known by residents as “The Buckeye State, Ohio is the 34th largest state in the nation and the 7th most populous. The state is probably best known for being a bellwether in national elections, and for its generally amazing college football and basketball teams. Like all states, 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 to keep themselves covered. Below we’ll shed some light on Ohio auto insurance and some facts and figures that may be of interest to Ohio drivers.
Ohio Car 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
Optional coverage options in Ohio include:
- 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 prove “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 type of policy covers the driver (and others, including family members) for medical and rehabilitation claims when they cause an injury to another driver or pedestrian in an accident. 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 some states (such as Pennsylvania), they are still quote 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.
Ohio Car Insurance Rates
As mentioned previously, Ohio enjoys relatively inexpensive auto insurance when compared to the rest of the nation. 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. 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 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 fewer chances for insurance companies to raise your premiums, so this is one area that is cause for celebration.
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 who 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 in to your budget.
Ohio Auto Insurance Agents
- Aberdeen
- Ada
- Addyston
- Adelphi
- Adena
- Akron
- Albany
- Alger
- Alliance
- Alvordton
- Amanda
- Amberley
- Amelia
- Amherst
- Amsterdam
- Andover
- Anna
- Ansonia
- Antwerp
- Apple Creek
- Aquilla
- Arcadia
- Arcanum
- Archbold
- Arlington
- Arlington Heights
- Ashland
- Ashley
- Ashtabula
- Ashville
- Athalia
- Athens
- Attica
- Aurora
- Austintown
- Avon
- Avon Lake
- Bailey Lakes
- Bainbridge
- Baltic
- Baltimore
- Barberton
- Barlow
- Barnesville
- Barnhill
- Bartlett
- Bascom
- Batavia
- Bath
- Bay View
- Bay Village
- Beach City
- Beachwood
- Beallsville
- Beaver
- Beavercreek
- Beavercreek Township
- Beaverdam
- Bedford
- Bedford Heights
- Bellaire
- Bellbrook
- Belle Center
- Belle Valley
- Bellefontaine
- Bellevue
- Bellville
- Belmont
- Beloit
- Belpre
- Bentleyville
- Benton Ridge
- Berea
- Bergholz
- Berkey
- Berlin
- Berlin Heights
- Bethel
- Bethesda
- Bettsville
- Beverly
- Bexley
- Blacklick
- Blanchester
- Bloomdale
- Bloomingburg
- Bloomingdale
- Bloomville
- Blue Ash
- Bluffton
- Boardman
- Bolivar
- Boston Heights
- Botkins
- Bowerston
- Bowersville
- Bowling Green
- Bradford
- Bradner
- Brady Lake
- Bratenahl
- Brecksville
- Bremen
- Brewster
- Brice
- Bridgeport
- Brilliant
- Bristolville
- Broadview Heights
- Brook Park
- Brookfield
- Brooklyn
- Brooklyn Heights
- Brookside
- Brookville
- Brunswick
- Bryan
- Buchtel
- Buckeye Lake
- Buckland
- Bucyrus
- Burbank
- Burkettsville
- Burton
- Butler
- Butlerville
- Byesville
- Cadiz
- Cairo
- Calcutta
- Caldwell
- Caledonia
- Cambridge
- Camden
- Camp Dennison
- Campbell
- Canal Fulton
- Canal Winchester
- Canfield
- Canton
- Cardington
- Carey
- Carlisle
- Carroll
- Carrollton
- Casstown
- Castalia
- Catawba
- Cecil
- Cedarville
- Celina
- Centerburg
- Centerville
- Chagrin Falls
- Chardon
- Chatfield
- Chauncey
- Cherry Grove
- Chesapeake
- Cheshire
- Chesterhill
- Chesterland
- Cheviot
- Chickasaw
- Chillicothe
- Chippewa Lake
- Christiansburg
- Cincinnati
- Circleville
- Clarington
- Clarksburg
- Clarksville
- Clay Center
- Clayton
- Cleveland
- Cleveland Heights
- Cleves
- Clifton
- Clinton
- Cloverdale
- Clyde
- Coal Grove
- Coalton
- Coldwater
- College Corner
- Columbia Station
- Columbiana
- Columbus
- Columbus Grove
- Commercial Point
- Concord
- Conesville
- Conneaut
- Continental
- Convoy
- Coolville
- Copley
- Corning
- Cortland
- Corwin
- Coshocton
- Covedale
- Covington
- Craig Beach
- Crestline
- Creston
- Cridersville
- Crooksville
- Croton
- Crown City
- Cumberland
- Custar
- Cutler
- Cuyahoga Falls
- Cuyahoga Heights
- Cygnet
- Dalton
- Damascus
- Danville
- Darbyville
- Day Heights
- Dayton
- De Graff
- Deer Park
- Defiance
- Delaware
- Dellroy
- Delphos
- Delta
- Dennison
- Dent
- Deshler
- Dillonvale
- Donnelsville
- Dover
- Doylestown
- Dresden
- Drexel
- Dublin
- Duncan Falls
- Dunkirk
- Dupont
- East Canton
- East Cleveland
- East Liverpool
- East Palestine
- East Sparta
- Eastlake
- Eaton
- Edgerton
- Edgewood
- Edison
- Edon
- Eldorado
- Elida
- Elmore
- Elmwood Place
- Elyria
- Empire
- Englewood
- Enon
- Euclid
- Evanston
- Evendale
- Fairborn
- Fairfax
- Fairfield
- Fairlawn
- Fairport Harbor
- Fairview
- Fairview Park
- Farmersville
- Fayette
- Fayetteville
- Felicity
- Findlay
- Finneytown
- Fletcher
- Florida
- Flushing
- Forest
- Forest Park
- Fort Jennings
- Fort Loramie
- Fort Recovery
- Fort Shawnee
- Fostoria
- Frankfort
- Franklin
- Franklin Furnace
- Frazeysburg
- Fredericksburg
- Fredericktown
- Freeport
- Fremont
- Fulton
- Gahanna
- Galena
- Galion
- Gallipolis
- Galloway
- Gambier
- Garfield
- Garfield Heights
- Garrettsville
- Gates Mills
- Geneva
- Geneva on the Lake
- Genoa
- Georgetown
- Germantown
- Gettysburg
- Gibsonburg
- Girard
- Glandorf
- Glendale
- Glenmont
- Glenwillow
- Glouster
- Gnadenhutten
- Golf Manor
- Goshen
- Grafton
- Grand Rapids
- Grand River
- Grandview
- Grandview Heights
- Granville
- Gratis
- Graysville
- Green
- Green Camp
- Green Springs
- Greenfield
- Greenhills
- Greentown
- Greenville
- Greenwich
- Groesbeck
- Grove City
- Groveport
- Grover Hill
- Hamden
- Hamersville
- Hamilton
- Hamler
- Hanging Rock
- Hannibal
- Hanover
- Hanoverton
- Harpster
- Harrisburg
- Harrison
- Harrisville
- Harrod
- Hartford
- Hartville
- Harveysburg
- Haskins
- Haverhill
- Hayesville
- Heath
- Hebron
- Helena
- Hicksville
- Higginsport
- Highland
- Highland Heights
- Highland Hills
- Hilliard
- Hills and Dales
- Hillsboro
- Hinckley
- Hiram
- Holgate
- Holland
- Hollansburg
- Holloway
- Holmesville
- Homeworth
- Hopedale
- Howland
- Hoytville
- Hubbard
- Huber Heights
- Hudson
- Hunting Valley
- Huntsville
- Huron
- Independence
- Irondale
- Ironton
- Jackson
- Jackson Center
- Jacksonville
- Jamestown
- Jefferson
- Jeffersonville
- Jenera
- Jeromesville
- Jerry City
- Jewett
- Johnstown
- Junction City
- Kalida
- Kelleys Island
- Kensington
- Kent
- Kenton
- Kenwood
- Kettering
- Kidron
- Killbuck
- Kings Mills
- Kingston
- Kinsman
- Kipton
- Kirkersville
- Kirtland
- Kirtland Hills
- La Rue
- Lafayette
- Lagrange
- Laings
- Lakemore
- Lakeview
- Lakewood
- Lancaster
- Laura
- Laurelville
- Lawrenceville
- Leavittsburg
- Lebanon
- Leesburg
- Leetonia
- Leipsic
- Lewis Center
- Lewisburg
- Lewistown
- Lewisville
- Lexington
- Liberty Center
- Liberty Township
- Lima
- Lincoln Heights
- Lindsey
- Lisbon
- Litchfield
- Lithopolis
- Lockbourne
- Lockington
- Lockland
- Lodi
- Logan
- London
- Londonderry
- Lorain
- Lordstown
- Lore City
- Loudonville
- Louisville
- Loveland
- Lowell
- Lowellville
- Lower Salem
- Lucas
- Lucasville
- Luckey
- Ludlow Falls
- Lynchburg
- Lyndhurst
- Lyons
- Macedonia
- Macksburg
- Madeira
- Madison
- Magnetic Springs
- Magnolia
- Maineville
- Malinta
- Malta
- Malvern
- Manchester
- Mansfield
- Mantua
- Maple Heights
- Marble Cliff
- Marblehead
- Marengo
- Maria Stein
- Mariemont
- Marietta
- Marion
- Marshallville
- Martins Ferry
- Martinsville
- Marysville
- Mason
- Massillon
- Masury
- Matamoras
- Maumee
- Mayfield
- Mayfield Heights
- Mayfield Village
- McArthur
- McClure
- McComb
- McConnelsville
- McDonald
- McGuffey
- Mechanicsburg
- Medina
- Medway
- Melmore
- Melrose
- Mendon
- Mentor
- Mentor On The Lake
- Metamora
- Meyers Lake
- Miamisburg
- Miamitown
- Middle Point
- Middleburg
- Middleburg Heights
- Middlefield
- Middleport
- Middletown
- Midland
- Midvale
- Midway
- Milan
- Milford
- Milford Center
- Millbury
- Millersburg
- Millersport
- Millville
- Mineral City
- Mineral Ridge
- Minerva
- Minerva Park
- Minford
- Mingo Junction
- Minster
- Mogadore
- Monroe
- Monroeville
- Montgomery
- Montpelier
- Moraine
- Moreland Hills
- Morral
- Morristown
- Morrow
- Moscow
- Mowrystown
- Mt Blanchard
- Mt Carmel
- Mt Cory
- Mt Eaton
- Mt Gilead
- Mt Healthy
- Mt Orab
- Mt Pleasant
- Mt Sterling
- Mt Vernon
- Mt Victory
- Munroe Falls
- Murray City
- Napoleon
- Navarre
- Neffs
- Nelsonville
- Nevada
- New Albany
- New Alexandria
- New Athens
- New Bloomington
- New Boston
- New Bremen
- New Carlisle
- New Concord
- New Franklin
- New Haven
- New Holland
- New Knoxville
- New Lebanon
- New Lexington
- New London
- New Madison
- New Miami
- New Middletown
- New Paris
- New Philadelphia
- New Richmond
- New Riegel
- New Springfield
- New Straitsville
- New Vienna
- New Washington
- New Waterford
- Newark
- Newburgh Heights
- Newbury
- Newcomerstown
- Newport
- Newton Falls
- Newtonsville
- Newtown
- Ney
- Niles
- North Baltimore
- North Bend
- North Canton
- North College Hill
- North Fairfield
- North Hampton
- North Jackson
- North Kingsville
- North Lewisburg
- North Lima
- North Madison
- North Olmsted
- North Perry
- North Randall
- North Ridgeville
- North Robinson
- North Royalton
- North Star
- Northfield
- Northfield Center
- Northridge
- Northwood
- Norton
- Norwalk
- Norwood
- Novelty
- Oak Harbor
- Oak Hill
- Oakwood
- Oakwood Village
- Oberlin
- Obetz
- Ohio City
- Old Washington
- Olmsted Falls
- Ontario
- Orange
- Orange Village
- Oregon
- Orient
- Orrville
- Orwell
- Osgood
- Ostrander
- Ottawa
- Ottawa Hills
- Ottoville
- Owensville
- Oxford
- Painesville
- Pandora
- Parma
- Parma Heights
- Parral
- Pataskala
- Paulding
- Payne
- Peebles
- Pemberville
- Peninsula
- Pepper Pike
- Perry
- Perrysburg
- Perrysville
- Phillipsburg
- Philo
- Pickerington
- Pierpont
- Piketon
- Pioneer
- Piqua
- Pitsburg
- Plain City
- Pleasant
- Pleasant Hill
- Pleasantville
- Plymouth
- Poland
- Polk
- Pomeroy
- Port Clinton
- Port Jefferson
- Port Washington
- Port William
- Portage
- Portsmouth
- Potsdam
- Powell
- Powhatan Point
- Proctorville
- Prospect
- Quaker City
- Quincy
- Racine
- Randolph
- Ravenna
- Rawson
- Rayland
- Reading
- Reminderville
- Reno
- Republic
- Reynoldsburg
- Richfield
- Richmond
- Richmond Heights
- Richwood
- Ridgeville Corners
- Ridgeway
- Rio Grande
- Ripley
- Risingsun
- Rittman
- Riverlea
- Riverside
- Roaming Shores
- Rock Creek
- Rockford
- Rocky Ridge
- Rocky River
- Rogers
- Rootstown
- Roseville
- Ross
- Rossburg
- Rossford
- Rossville
- Roswell
- Rushsylvania
- Rushville
- Russells Point
- Russellville
- Russia
- Rutland
- Sabina
- Sagamore Hills
- Salem
- Salineville
- Sandusky
- Sardinia
- Savannah
- Scio
- Scott
- Seaman
- Sebring
- Senecaville
- Seven Hills
- Seven Mile
- Seville
- Shadyside
- Shaker Heights
- Sharonville
- Shawnee
- Shawnee Hills
- Sheffield
- Sheffield Lake
- Sheffield Village
- Shelby
- Sherrodsville
- Sherwood
- Shiloh
- Shreve
- Sidney
- Silver Lake
- Silverton
- Smithfield
- Smithville
- Solon
- Somerset
- Somerville
- South Amherst
- South Bloomfield
- South Charleston
- South Euclid
- South Lebanon
- South Point
- South Russell
- South Salem
- South Solon
- South Vienna
- South Webster
- South Zanesville
- Southington
- Spencer
- Spencerville
- Spring Valley
- Springboro
- Springdale
- Springfield
- St Bernard
- St Clairsville
- St Henry
- St Louisville
- St Marys
- St Paris
- Sterling
- Steubenville
- Stockport
- Stout
- Stoutsville
- Stow
- Strasburg
- Stratton
- Streetsboro
- Strongsville
- Struthers
- Stryker
- Sugar Bush Knolls
- Sugar Grove
- Sugarcreek
- Summerfield
- Sunbury
- Swanton
- Sycamore
- Sylvania
- Syracuse
- Tallmadge
- Tarlton
- Terrace Park
- The Plains
- The Village of Indian Hill
- Thornville
- Thurston
- Tiffin
- Tiltonsville
- Timberlake
- Tipp City
- Tiro
- Toledo
- Tontogany
- Toronto
- Tremont City
- Trenton
- Trimble
- Trotwood
- Troy
- Tuppers Plains
- Tuscarawas
- Twinsburg
- Uhrichsville
- Union
- Union City
- Uniontown
- Unionville Center
- Uniopolis
- University Heights
- Upper Arlington
- Upper Sandusky
- Urbana
- Urbancrest
- Utica
- Valley City
- Valley View
- Van Buren
- Van Wert
- Vandalia
- Vanlue
- Vermilion
- Verona
- Versailles
- Vienna
- Vincent
- Vinton
- Wadsworth
- Waite Hill
- Wakeman
- Walbridge
- Waldo
- Walton Hills
- Wapakoneta
- Warren
- Warrensville Heights
- Warsaw
- Washington Court House
- Washington Township
- Washingtonville
- Waterville
- Wauseon
- Waverly
- Wayne
- Wayne Lakes
- Waynesburg
- Waynesfield
- Waynesville
- Wellington
- Wellston
- Wellsville
- West Alexandria
- West Carrollton
- West Carrollton City
- West Chester
- West Farmington
- West Jefferson
- West Lafayette
- West Leipsic
- West Liberty
- West Manchester
- West Mansfield
- West Milton
- West Portsmouth
- West Salem
- West Union
- West Unity
- Westerville
- Westfield Center
- Westlake
- Weston
- Wharton
- Wheelersburg
- White Oak
- Whitehall
- Whitehouse
- Wickliffe
- Wilberforce
- Willard
- Williamsburg
- Williamsport
- Williston
- Willoughby
- Willoughby Hills
- Willowick
- Willshire
- Wilmington
- Wilmot
- Winchester
- Windham
- Wintersville
- Withamsville
- Woodlawn
- Woodmere
- Woodsfield
- Woodstock
- Woodville
- Wooster
- Worthington
- Wright Patterson AFB
- Wyoming
- Xenia
- Yellow Springs
- Yorkville
- Youngstown
- Zaleski
- Zanesfield
- Zanesville
- Zoar
- Zoarville
Additional State of Ohio Auto Insurance Resources
- Ohio Department of Insurance – Official website for the state of Ohio dept. of insurance.
- Auto Insurance 101 – Car insurance information resource from the state of Ohio.
- GHSA – Highway safety laws for the state of Ohio.
- Ohio Bureau of Motor Vehicles – Official website for the state Ohio Bureau of Motor Vehicles.