Compare The Cheapest Free Quotes

Get the best car insurance rates in Ohio, compare prices and save money. We’re Ohio’s top-ranked trusted website for providing free online auto insurance quotes for consumers. We’re local ( located between Dayton and Cincinnati) and have provided expert advice for more than 30 years. Our website helps you find the most affordable policies from the top companies because we live and work here in the state and track rate changes every day.

By providing some basic information at the top of the page, we’ll be able to research premiums in your area, and make it easy for you to view different rate and plan options. But since we’re not captive (that means only affiliated with one company), you’ll be provided prices from many carriers that may include State Farm, Allstate, Progressive, Liberty Mutual, Geico. Esurance, Nationwide, Farmers and other respected companies. We prefer not to consider small regional carriers that are based out-of-state and do very little business here.

The amount of money you save will depend on many factors. Of course, the driving record of  anyone listed on the policy will be one of the big factors. If there are no moving violations or chargeable accidents, you’re in a great position to possibly lower your rates. If there are multiple tickets and a few (or more) at-fault accidents, you still may be able to save money.

Many insurers offer very competitive rates for not-so-perfect driving records. We’ll research these plans so you have more than one choice when comparing policies. We’ll also help you find easy billing plans that don’t require you to pay so much money upfront. Often, you may be able to pay a single monthly premium to activate coverage. And if you need to be covered TODAY, we’ll work with you.

Ohio Rates Are Low

Ohio, like all other states, requires financial responsibility if you want to drive a vehicle. When you purchase auto insurance, you must meet the state minimum liability limits which include $12,500 bodily injury per person, $25,000 per occurrence and a separate $7,500 of property damage. These limits are quite low, and have not changed for more than 25 years.

Naturally, it is highly recommended that you consider higher coverage. Otherwise, there is a good chance you will be under-insured, especially if you hit a newer vehicle. However, there is legislation (House Bill 278) that will increase those limits to $25,000/$50,000/$25,000

Most Ohio car insurance companies also offer many discounts to their customers. And many of them are relatively unknown. When using our website for your free quotes, part of our job is to find the discounts that will save you the most money. For example, most people are familiar with multi-car, multi-policy and good student discounts. But there are also additional premium reductions (not all carriers) for having very good credit, parking your vehicle in an enclosed garage at night and working for the same employer for an extended period of time.

Many carriers will reduce your deductible if you maintain a good driving record. A $500 deductible could turn into a $250 deductible and this would apply to each vehicle you own. Also, when you buy or purchase a new car or truck, in the early years, you may owe more than the vehicle is worth. With gap or new car replacement options (not all companies offer this), you’ll be able to replace your vehicle without owing thousands of dollars to the bank or leasing company.

And finally…although it’s too simple, eliminating all driving on days when there’s extreme adverse weather (snow, rain or hail and possibly high winds) will save you money. How? Because your risk of being involved in an accident will substantially reduce. Although it sometimes isn’t practical, there will be days where you can avoid being on the road.