Cheapest Car Insurance Rates In Ohio – Instantly Compare Online Prices

Get cheap auto insurance rates in Ohio, compare prices and save money. Welcome to the Buckeye State’s top-ranked  and most trusted website for providing free multiple online quotes side-by-side for consumers. Our personalized comparisons show you which options are the most cost-effective. We’re local (located between Dayton and Cincinnati) and have provided expert advice and personalized service for more than 40 years. We help drivers that are not currently covered, and any person that already has an active policy. Full coverage, liability only, and group business options are offered.

High-risk, preferred, commercial, and small-business coverage is offered. Customized budget coverage is available to keep premiums low by  determining which benefits best fit your specific vehicles and drivers. Accident forgiveness, multi-vehicle, good-driver, good-student, alarm system, and many more discounts are available. Average prices in the Buckeye State are among the lowest in the nation, and are expected to remain inexpensive.

Most policies offer discounts for driving limited miles (pay per mile), driving accident-free, and insuring multiple vehicles. Many carriers lower their rates during pandemics (COVID-19) and provide additional flexible billing options. Grace periods are honored for customers that can’t pay the premium by the due date. Payroll-deduction through selected employers may also be offered along with “name your price” tools from Progressive and several additional carriers.

Our website helps you find the cheapest policies from the top companies, because we live and work here in the state and track rate changes every day. We also help you learn which liability limits are best for your vehicles (state minimum or personal umbrella), and how to maximize your savings by utilizing up to 12 carrier discounts. Choosing the right collision and comprehensive deductibles can save you hundreds of dollars, whether you lease or finance you vehicle. Note: Leased vehicles may require higher liability limits and restrictions on high collision and comprehensive deductibles.

Additional options (Gap and telematics devices), and bundling property and casualty products,  can further reduce premiums. Penalties for driving without compliant coverage are also discussed throughout this website. Regardless if you live in Columbus, Cleveland, Toledo, or any other city, financial responsibility laws must be satisfied. Depending upon your driving habits, several carriers may be able to lower your premium by charging only for the time and miles you drive. “Pay-by-mile” policies have become more popular in recent years, and can potentially save hundreds of dollars.


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By providing basic information at the top of the page, we research premiums in your area, and make it easy for you to view multiple rate and plan options. But since we’re not captive (only affiliated with one company), you’ll be provided prices from many carriers that may include State Farm, Allstate, Progressive, Liberty Mutual, Geico,  Esurance, USAA, Nationwide, American Family, Farmers, Erie, Cincinnati and other respected companies. OH minimum  liability requirements are always met, and  cost-effective collision and comprehensive deductibles are shown.

Leased vehicles typically require higher liability limits ($100,000/$300,000/$50,000 bodily injury and property damage). A gap (guaranteed asset protection) benefit rider is a popular option and fairly inexpensive. Often, a vehicle is worth less than the purchase price, and once driven, the market value reduces again. Gap protection pays the difference (when a vehicle is totaled) between the market value and amount owed to the finance or leasing company.  If you choose to purchase the leased vehicle, higher liability limits may not be required.

We make the quoting process easy, by keeping the number of questions low, and only requesting basic information. Your discounts are automatically calculated, and both high risk and preferred drivers can view the best prices. Savings can vary, depending on the number of vehicles and drivers you have in your household. Typical rate reductions are between $200 and  $1,400 per year. Of course, fewer and/or older vehicles will always result in lower premiums. Several defensive-driving course discounts are available, along with a list of new and used vehicles that are the least expensive to cover.

Non-owner car insurance is also offered. Persons that do not own a vehicle provides coverage for damage and injuries resulting from an accident. Persons that often rent vehicles or drive vehicles that are not theirs, should consider non-owned coverage. Court-mandated requirements may stipulate that this type of policy must be purchased. Often, only minimum liability limits are offered with several optional riders. The cost of coverage is approximately $250-$500 per year. Several major carriers, including State Farm and Geico offer coverage.



When a new company enters the state, we’ll tell you all about how they operate, what you can expect from them if you have a claim, and the ares that they offer the best deals. For example, Elephant Insurance (that’s really their name), is starting to expand here in the US and the Midwest.  Based in Britain, we’ll keep you updated if they start making plans available in the Buckeye state. Also, when companies terminate their operations here (or even scale back), we’ll keep you informed. Both traditional companies (State Farm, Allstate, Farmers…) and online carriers (Esurance) are available. Smaller companies (Erie) will often feature very competitive prices for specific counties.

Other carriers provide the lowest rates in specific areas. Several examples are Motorists Mutual, Grange, Westfield, American Family, Central Mutual, and Celina. Commercial carriers provide options for large and small companies that need fleet insurance. Additional ancillary products are easily packaged with property and casualty policies.

We prefer not to consider small regional carriers that are based out-of-state and do very little business here. Often, they stop writing and approving business and exit the marketplace. That can leave you in an unenviable position where you’re forced to make a change for the wrong reasons. If you are concerned about a specific carrier, or would like us to provide the latest research data, we can provide that information upon request. All companies that write policies in the Buckeye State must be registered and approved with the Department of Insurance. Any proposed rate increases must also be submitted, justified, and approved before implemented.

Get Low Cost Ohio Auto Insurance Quotes We Save You Money On Your Car Insurance Rates In Ohio


How Much Will You Save?

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 variables. If there are no moving violations or chargeable accidents, you’re in a great position to  lower your rates. If there are multiple tickets and a few (or more) at-fault accidents, you still may be able to save money. It’s not unusual for customers to save between 20% and 60%, compared to their current costs.

Sometimes, the biggest savings in prices is available to drivers with multiple tickets and/or accidents. Prices rapidly reduce, as the violations become older. Typically, there are price breaks when you reach 6,12 and 24 months without any marks on your record. If there are several incidences, the decrease in rates can be quite substantial. If you have an SR-22 Bond, DUI or any other major violation within the last few years, we specialize in finding the least expensive non-standard (high-risk) prices. As your MVR improves, premiums reduce. If you insure your home, condo, or personal property with the same carrier, a discount of 5%-15% is usually offered.

Many insurers offer very competitive rates for not-so-perfect driving records, since the impact of speeding tickets (and other violations) is treated differently by each company. 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 until you’re back on the road. If an SR-22 bond is required for you to get back your license, we’ll help you with the paperwork, obtain the bond, and show you how to quickly show proof of compliance. Often, the process can be handled online, with a small down payment and budget monthly installments.


Ohio Minimum Liability Requirements

Ohio, like all other states, requires financial responsibility (FR) if you want to drive a vehicle. When you purchase auto insurance, you must meet the state minimum liability limits which include $25,000 bodily injury per person, $50,000 per occurrence and a separate $25,000 of property damage. If your policy provides the state minimum limits, periodically, you should consider increasing the coverage. Proof of financial responsibility is required if a police offer stops you for a safety check or traffic violation. Medical payments, uninsured motorists, and underinsured motorists protection can also be added to a policy. An ID card is provided by the carrier.

Legislation (House Bill 278) raised these limits from $12,500/ $25,000/ $7,500. Until the increase, Ohio had some of the lowest required limits in the US. Without meeting these requirements, the only other way to legally drive in the state is to take out a $30,000 bond or show proof of financial responsibility approved by the BMV.  An FR Bond is required to be posted with the Ohio State treasurer if you are unable to purchase a conventional policy. Other drivers, including household members, however, are not covered on your Bond.

Financial Responsibility Bonds are fairly similar to conventional coverage since they provide bodily injury and property damage benefits. $30,000 is the minimum bond amount and the contract  is required to be issued by an authorized and approved insurer. The Ohio DOI regulates FR Bonds and the cost of coverage depends on age, driving record, and several additional underwriting factors. When caught driving without required coverage, penalties can include suspension of registration and lice plates, losing driving privileges, and paying court costs.



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. However, completing driver education and defensive driving courses can also save money. Youthful driver discounts, if offered, can substantially reduce premiums.

There are also additional premium reductions (not all carriers) for having very good (or excellent) credit, parking your vehicle in an enclosed garage at night and working for the same employer for an extended period of time. In the upcoming years, you will start to see select companies offer “Pay As You Drive” options, which reward you if you rarely drive. There would be a specific cost-per-mile, instead of a flat rate. At-fault accidents would continue to impact future rates.

Cheap Options For Student Car Insurance Rates Ohio Don’t Forget The “Good Student” And “Student Away” Discounts

A relatively unknown reduction is the “student away” discount which can drastically reduce your premium. To qualify, your son or daughter is  required to attend college more than 100 miles away from home. Certain carriers may have different mileage requirements. Assuming they don’t have access to one of the insured vehicles at school, the savings could be very large. If they stay at school most of the year (including summers), a larger reduction may be credited.

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. Gap coverage does not alter the residual value of the vehicle or annual mileage maximums.


Prices In Major Buckeye Cities

Although we monitor pricing in all cities (big and small), we write specific articles regarding recent trends in some of the larger metropolitan areas. For example, here, you can find the most recent information about options in the Cincinnati area. We also pay special attention to the Columbus, Dayton, Toledo, Akron, Springfield, Canton, and Cleveland markets, and their surrounding areas. Northern Kentucky, western Pennsylvania, and Eastern Indiana are also covered.

Big urban areas often see sharp differences in rates from one county or zip code that may only be a few miles (or less) from another. We provide free information regarding the areas that are the most pocketbook-friendly in the state. However, if you reside in a city that has the highest Buckeye State rates (Youngstown and Campbell), we will find the most affordable options. Upon request, we will send our most recent reports detailing  “Ohio cities with the cheapest car insurance rates” and “Ohio cities with the most expensive car insurance rates.”


Random Proof Of Car Insurance Letters No Longer Sent

Previously, each year,  about 250,000 Buckeye State drivers received a written request, sent via mail, to provide proof of coverage or financial responsibility. The Bureau of Motor Vehicles (BMV) randomly determined who received the notifications. A current declarations page was generally required to be provided.Residents that had received the request within the last 18 months, were not contacted. The years of vehicles most often selected were 2007, 2008, 2005, 2004, and 2006.

Passenger and non-commercial vehicles were sent letters, but not emergency vehicles, historical cars or vehicles used by volunteer firefighters. Once contacted, consumers had 21 days to send a copy of a current declarations page, ID card, or written letter from current insurer verifying compliance. However, House Bill 62 eliminated the random selection process. Proof of financial responsibility is still required for all drivers.



On a more personal note, I have been a broker here in Ohio for more than 40 years. Of course, it doesn’t seem that long as the time has gone by fast. I know the state car insurance market better than anyone. Through a combination of knowledge, experience, intuition and decades-old contacts, I’m committed to finding customers the lowest rates.

Like you, I want quality coverage, great loyal service, and of course, the absolute lowest prices each year. That’s exactly what our website can do for you. Read our articles, utilize our free quotes and keep updated on the latest information. Unlike most other resources, we research, write and edit all of our content.

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. Or, by simply delaying leaving the house for a few hours, road conditions could vastly improve.

The best car insurance rates in Ohio are available and our free quotes will help you find the best prices. But we’re more than one of the top-ranked authorities in the business. We live here in the state, just like you. So there’s no better authority that can show you how to save money by shopping the right way and to easily compare the most competitive offers.

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