Vehicle Insurance Prices Ohio – Comprehensive Or Basic

by Edward Harris on October 8, 2020

If you think you’re paying too much for your car insurance in Ohio, you probably are!  We help you pay less by finding the lowest liability or full coverage rates from the most respected companies. You don’t have to pay an arm and a leg for your policy since the least expensive options are just a click away. We’re the state’s most trusted website regarding showing Ohioans the lowest free quotes. Quickly comparing multiple companies helps you find the best offers. Personal and commercial options are available.

The zip code box at the top of the page will begin the short process and this comparison tool has saved  drivers thousands of dollars. There are just a few very basic questions regarding the vehicles you own and who drives them. We realize that most households are on a budget, and getting the best value for your dollars is extremely important. We live and work here in the Buckeye State (for more than 39 years!), so we know the marketplace.

Basic liability or full coverage (collision and comprehensive) options are shown from the companies with the most competitive rates. Although your newer financed or leased vehicle will probably require physical damage, older cars and trucks, or any vehicle without a lien, can be covered much cheaper. Most companies also allow you to delete collision coverage, while keeping comprehensive coverage (fire, vandalism, theft, glass-breakage, and other benefits).

If a vehicle is not registered or titled, it should not be driven or insured. Classic and antique automobiles can be covered under a separate policy. Generally, the market value is the insured amount with a recent appraisal required. Periodically, a new appraisal may be needed to ensure the vehicle is covered for the correct amount. Vehicles that are garaged and properly protected are more likely to retain their value.

High-Risk And Preferred Policies Are Offered

Both high-risk and preferred policies are available, depending on the number of violations and at-fault accidents that are on your driving record. If you need a low or no down payment, or coverage that needs to be effective the same day, we can help. We understand that your needs may be unique and require special assistance. Payments by credit card, check, mail, or in-person are accepted by most major companies. You can also schedule payments in advance or arrange budget-billing.

When a DUI, multiple moving violations, license suspension or SR-22 Bond is present, premiums are going to be higher than before the activity. Each six months you drive claim-free, your rate could possibly reduce. Within 12-36 months, the reduction could be quite substantial and lost discounts may be reinstated. At that time, switching to another carrier may be very cost-effective, although a written binder should be issued before you cancel the current policy.

Who offers the least expensive premiums for your vehicle? Progressive? The General? State Farm?  Farmers? Geico? SafeAuto? It actually depends upon a few variables. If your rate has recently  increased, it’s important to understand why. If you had at least two moving violations and/or at-fault accidents within the last 12 months, this is probably the main reason. Major violations remain on your driving record longer and delay the opportunity to change to a different carrier.

It’s also possible that your company has experienced an unusually high number of accidents and claims in your zip code, county or 20-mile radius. These types of changes, which often occur fairly rapidly, can quickly elevate your premium without much warning. However, if loss-ratios improve, prices will reduce. You may also become eligible for a loyalty discount, depending upon how many years you have been covered with the same carrier.

How To Shop

Before you cancel your active policy, obtaining two or three quotes from our website (top of this page) should be sufficient. Geico, Progressive, Esurance and SafeAuto are good choices if you have had recent ticket and accident activity. If your current company has not surcharged you and raised your rates, then shopping at this time may not help. But if you just got zapped with an increase,  it won’t cost you any money to get a few free quotes online. Or if you just experienced a price hike, now is also an ideal time to look around.

Cheap Auto Policy Ohio We Can Save You Money On Your Car Insurance Rates In Ohio

If you and other household drivers have maintained a reasonably good driving record, and your premiums still keep climbing, it’s quite possible that other drivers either in your zip code or county are not as careful as you are. That is, your insurer is simply penalizing you for other rotten drivers that live around you!

Here’s how it works: We’ll use an example that you live in Kettering, which is a South suburb of Dayton. The only drivers in your household are yourself and your spouse. Neither of you have had any moving violations or at-fault accidents in a decade. Yet, your car insurance rates increase by about 15% every year.

In this situation, there may not be justification in those increases, and shopping for better rates is a good idea. It’s entirely possible that if you lived in a nearby city, such as Trotwood, Englewood or Springboro, your rate might not have increased as much. Of course, it’s possible it may have increased 20% per year instead of 15%.

Your Zip Code Impacts Prices

For example, Columbus car insurance prices are typically going to be less expensive than Cleveland prices, regardless of the types of vehicles or age of driver. However, there are a few carriers that rate by zip code instead of by county, and this difference could save you some money. Thus, the rate for Upper Arlington will be different than the Columbus rate, and the cost of coverage in Toledo will differ than the rates in Sylvania.

The most important point to understand is that where you live will sometimes impact your car insurance costs as much as your driving record or the vehicle you own. That’s one of the reasons we created this website. We’re located here in Ohio and we understand local rate trends better than anyone. A bigger national site won’t offer lower rates (because insurers set rates, not brokers) and can’t provide local insight like we can.

We regularly meet with representatives of property and casualty insurers (including their underwriters), city planners, rating agencies, and transportation representatives, so we can better understand the direction that rates will go and anticipate trends that can help our customers. When a carrier requests to raise premiums, it must be filed with the Department of Insurance, so we’re able to closely monitor trends. Generally, the full rate increase request is not granted.

Your Age Makes A Difference

Also, one insurer may offer cheap rates to drivers in a certain age range (perhaps 25-35), horrible rates if you’re between ages 36 and 70, and affordable rates again if you’re over the age of 70. That’s great if you’re 30, but what if you you’re 37? Obviously, once again, that situation gives you the perfect reason to compare premiums from at least a few other companies. You may be shocked to learn how often costs change.

It’s quite possible that a completely different company (Geico, Esurance, State Farm, Allstate etc…) may have terrific rates in your age bracket. And possibly the savings would be substantial…as much as $250-$750 per year. But you won’t know until you shop around on this type of website. That’s why all of out quotes are free and include only the top nationally-recognized companies. Small business options are also available.

For instance, if a company has a history of problems paying claims or handling disputes, we will exclude them from any recommendations we make. If we notice that a carrier has been recently downgraded to an unacceptable level, we will also exclude them from our quote engine. Although this rarely happens, it’s always best to be cautious regarding company ratings.

Does The Buckeye State Have The Best Prices In The US?

Recently, The Columbus Dispatch and several other publications and websites reported that our state has the lowest rates in the US. Is it true?  The average cost of covering a new vehicle was estimated at under $1000 per year, while many other states were significantly higher. For example, Michigan’s average cost was about $2,500. That’s a big gap! Most other states also charged higher premiums than the Buckeye State.

Although Ohio premiums have not changed much in 10 years, of course, you will see an increase if you trade in an older vehicle for a newer model, add a teenager to your policy, or increase liability limits and lower deductibles. And as long as the number of highway accidents remains fairly low, we should continue to be at or near the top of the list.

Cheap Ohio auto insurance rates are available, although sometimes they’re not easy to find. That’s our job. We’re local, we know the state and we’ll make sure you’re not paying any more than you have to. Whether you’re high-risk, preferred or just getting your license for the first time,  we find the companies that offer you the best prices.



Auto theft in Ohio is declining which is helping reduce the cost of comprehensive coverage on your policy. The number of incidences of theft and vandalism declined in Columbus and most major cities in the state last year. Cleveland still has the most reported vehicle thefts, although not near as many as other major US cities.

Cincinnati and Springfield (along with Cleveland) had increases in this type of activity last year. While this does not mean price increases will follow, it is a trend that must be reversed if rates are to remain stable in those cities.

A recent study by Lojack Corporation (A major vehicle recovery company) showed the top stolen vehicles in the country included the Honda Civic, Honda Accord, Acura Integra, Toyota Camry and Toyota Corolla.

Columbus has new regulations regarding car services that are app-based. This concept recently has been gaining popularity across the country. It finds drivers that use their cars as “transportation for hire” and matches them with persons that need a ride. The main issue is the liability exposure and who should pay for it.

The City Council unanimously approved insurance requirements and background checks, similar to the rules that taxi drivers must abide by. $1 million of liability  is now required along with comprehensive and collision coverage. Lyft and UberX are the two companies that provide these types of services in Franklin County.

Many carriers have reported an increase in the number of submitted accident claims this summer. The combination of driver distraction and increased speeds is expected to slightly raise premiums. If the trend continues, the price hikes could become more substantial.

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