Ohio Auto Insurance Quotes Online – Rates As Low as $30 Per Month

by Edward Harris on March 15, 2022

Get free quotes and apply for auto insurance in Ohio. It only takes a few moments to view the lowest available rates for your vehicles. Reliable and affordable coverage from only the best companies can save you as much as 35%-55% and possibly increase your liability limits while reducing your deductibles. We customize quotes to match your specific vehicles, and the drivers in your household. Regardless if you are a new teen driver in the Buckeye State, or an experienced Senior, we show you the lowest 2022 prices.

It’s actually very easy, and you save time and money.  The process does not take long, and typically you can be approved and receive your ID cards and Declaration page the same day, depending on the company that you use. Our website is designed specifically to help Ohio drivers find and lock in the lowest car insurance rates, apply for a policy online and get approved quickly! The information is always free, and you are never under any obligation to purchase a policy. Many carriers offer apps that allow you to present your ID card, declarations page, and billing statement.

SR-22 bonds and low down-payments are also provided for customers with unique needs,  along with specialty situations such as classic cars or vehicles that are only covered a portion of the year. Off-road and custom-built vehicles can also be covered. If you own an antique vehicle that needs a stated-value coverage, we’ll find the best options for you. A recent appraisal from a qualified professional may be required. Special licensing and registration from the DMV may also be needed. If the vehicle is garaged, often a special discount will apply if the car or truck is not driven during portions of the year.


How Much Is Car Insurance In Ohio?

Although there are many variables, one of the biggest factors is the type of vehicle (or vehicles) that will be covered. Older cars and trucks that require only liability coverage will cost the least. Newer vehicles that are financed or leased, require collision and comprehensive benefits, which will increase the policy premium. Older vehicles may not need collision coverage although fire, theft, and vandalism benefits should be retained.

Many carriers  allow classic and antique vehicles to be covered for their actual market value. A current appraisal is typically required, and keeping the vehicle in an enclosed garage may also be a requirement. Often these types of vehicles are used in local and national parades and shows. Policies are available with only liability and comprehensive coverage. These policies are ideal for vehicles that may not be driven for a significant amount of time.

Illustrated below are average statewide 2022 monthly rates for selected liability limits and deductibles. Prices can widely vary, depending on county, age, vehicle, and driving record.

$35 – $25,000/$50,000/$25,000 liability and property damage limits.  No collision or comprehensive coverage.

$40 – $50,000/$100,000/$50,000 liability and property damage limits. No collision or comprehensive coverage.

$43 – $100,000/$300,000/$50,000 liability and property damage limits. No collision or comprehensive coverage.

$71 – $25,000/$50,000/$25,000 liability and property damage limits. $1,000 collision and comprehensive deductibles.

$75 – $50,000/$100,000/$50,000 liability and property damage limits. $1,000 collision and comprehensive deductibles.

$79 – $100,000/$300,000/$50,000 liability and property damage limits. $1,000 collision and comprehensive deductibles.

$87 – $25,000/$50,000/$25,000 liability and property damage limits. $500 collision and comprehensive deductibles.


We’re Local!

We are a local Agency recognized as one of the premier resources in the state. Located in Springboro (between Dayton and Cincinnati), we cover the entire Buckeye State, and monitor and research every carrier along with all proposed changes and price filings through the Department of Insurance. Regardless if you live nearby (Dayton, Cincinnati, Springfield, and Columbus), or to the North in Cleveland, Akron, Canton, or Toledo, we show you the most competitive offers. You can also view homeowner’s insurance rates in Ohio in less than two minutes.

We analyze and compare prices for consumers and explain how to determine the most appropriate liability limits and deductibles for your vehicles. If you are newly licensed, there are  many portions of the policy that you should be made familiar with. If you have had coverage for a while, you may not be aware of  state statute changes and mandatory liability limit upgrades. Also, your carrier periodically will make minor changes to your contract. The most recent renewal will highlight those changes.

For example, the state minimum liability limits for bodily injury and property damaged have increased. It’s important that your policy meet or exceed those mandatory requirements. The current limits of $25,000 per person and $50,000 per occurrence  now match most other states. Although many policies exceed those requirements, many younger drivers have the state minimum limits. Increasing to $50,000/$100,000 should always be considered. Higher limits may be required if a personal excess liability (umbrella) contract is purchased.

Generally, if your vehicle is leased, you will be required to have $100,000/$300,000 limits for bodily injury and a minimum of $50,000 for property damage. GAP coverage should be considered to protect against rapid depreciation during the first 12-24 months of the lease. Several auto manufacturers provide GAP benefits if you choose their financing. No down-payment leases often result in the biggest need for GAP protection. The difference in the market value and payoff value of your leased vehicle can be thousands of dollars.


What To Do First

The first step is to determine which company has a combination of the best rates and coverage for the vehicles you drive. It’s also important to consider how they handle a claim if you have an accident. Naturally, if you live in Dayton, you don’t want to drive to Cincinnati to get an estimate. Actually, it would be preferable if the claims agent came to you, although many larger carriers have local drive-in claims service centers.  Also important is how competitive a carrier’s rates are in the area where you live.

Ohio auto insurance application You Can Apply Online For Car Insurance In Ohio

For example, car insurance rates in Toledo are not going to be the same as prices in Columbus, Springfield or other parts of the state. So, if you reside in Lucas County or the Toledo area, your main concern is which company has the best rates in your area. You don’t care about the cost of coverage in Hamilton County or other states in another part of the country.

However, there are always going to be specific pockets or perhaps entire counties where prices are high for all of the carriers. If you ever move to another location (even out of state), we’ll help you find the best offer. There will always be certain states where prices are high and other states that maintain very affordable rates.

Therefore, when we shop for the best prices, we’re comparing options in the area where YOU live, regardless of where in Ohio that might be. So when you provide the information at the top of the page for your free quote, the results are customized for the area that you live and the car(s) that you want to insure. You can also view the best offers for other areas, if you are moving to or from another county or state. Prices will generally differ in bordering counties.

It takes a lot of research, but we feel it is worth spending the time to “get it right.” We use about a dozen very reliable and respected resources. Included on the list are the Ohio DMV, Department of Insurance, Department of Transportation, “Consumer Reports,” and other online entities. We also receive live notification of any price or coverage change from licensed carriers. Crash-test data and claims-ratio reports from insurers are valuable resources we utilize, and they are routinely updated. Complaint-ratios help us determine how satisfied customers are with their carrier, and how long they continue to renew their policy.


Applying For A Policy Is A Simple Process

After reviewing and comparing premiums from different carriers, it’s highly possible that you’ll find a company that can offer you the same or better benefits and save you hundreds of dollars (or more, if there are two or more vehicles) each year. Applying for the policy is the next step of the process. It is much quicker and easier than you may realize. There are no fees, charges, or silly organizations that you are required to join.

You can view all proposals and policy documents BEFORE you change companies. And declaration pages and ID cards can be emailed or faxed the same day the policy is effective (or earlier). If you recently received a traffic citation or were involved in an accident, current proof of compliant coverage may be required. If needed, proof can be quickly furnished.

Knowing who are the best car insurance companies in Ohio is critical. You always want a reputable company to provide your coverage. Although most companies will be familiar names (Progressive, Allstate, Farmers,  Liberty Mutual, Esurance, Erie, State Farm, Geico etc…), sometimes an unfamiliar name, such as 21st Century or Erie should be strongly considered. Also, MetLife/Farmers, more recognized for life insurance and investments, will occasionally offer a competitive package. If you have concerns, please contact us and we will research a company’s ratings history.

Elephant insurance does not currently offer coverage in the state. But within a few years, it’s possible they will, and we will include their offers on our website. Although their parent company is located in Britain (Admiral), they seem to understand the US market  and could become a major force in 10-20 years. Most of their business is conducted online, which doesn’t seem to bother customers. Their online quoting system is fast and accurate. And yes, they own an actual elephant, who is treated very well.

No Medical Questions

Fortunately, unlike some health, disability and life policies, you do not have to answer any medical questions. If you’re over 80, there may be an exception with certain companies, although we typically don’t recommend changing policies at that age. The standard application is not very long and it can be completed online, in person, and sometimes you can fax the application directly. Most personal and financial information needed is very limited and non-intrusive.

If you have excellent credit, we will show you which companies offer the best “good-credit” discount. Likewise, if you have poor credit, we will avoid carriers that have a substantial rate-up. Credit-reporting agencies provide free annual reports for yourself and a spouse. It is prudent to take advantage of these free offers to monitor any sudden changes or inaccuracies. Adverse credit can also impact the interest rate you receive on mortgage, auto, and boat loans.

If you have a history of seizures or heart attacks, it also may not be a good idea to change. Epilepsy (assuming a history of seizures) is a condition that may also force you to stay with your existing company. Some companies also ask what prescription medications (if any) you take. If you are concerned with the impact they may have, simply contact us. The vast majority of all drugs you may be taking (unless illegal!) have no impact on your rate. A physician’s statement of good health may be required if there is a history of seizures.


Information Needed

Get Best Prices In Ohio For Auto Insurance It’s Easy To Apply For Car Insurance In Ohio

Your driver’s license numbers and VIN numbers may be required at this point in the process. Eventually, additional questions will have to be answered. The Ohio BMV can provide an instantaneous  printout of your driving record (electronically) so that you don’t have to  wait a few days for a decision like you did 15 years ago. An unofficial version may be ordered, or the official record is also available.

You can also request a copy to be emailed or sent to you. We recommend that you view a copy of your report every 2-3 years to check for accuracy. Although quite uncommon, there have been numerous reported cases of erroneous moving violations credited to the wrong person. If an error occurred on your report, notifying your current carrier is recommended. If a major violation (DUI, DWI, hit and run) is erroneously listed on your record, the DMV should be immediately notified.

Although the process may take several weeks to rectify, removing from your official record is necessary. Incorrect or inaccurate information listed on your driving record may also appear on a CLUE (Comprehensive Loss Underwriting Exchange) report. This report accumulates up to seven years of private vehicle and private property claims information.


How Long It Takes

It will usually take about 24 hours for an underwriter to approve and issue the policy. Sometimes, the process is instantaneous. During this time, you may be covered but it’s important to ensure your current policy (if you have one) does not lapse. Naturally, applying at least 3-5 days before your current coverage terminates is a big help. If you need immediate coverage,  we can work directly with the carrier. If your policy has lapsed more than 30 days, a preferred rate will probably not be offered.

Although there may be a grace period, the risk of being involved in an accident is too great to consider letting coverage lapse for only a day. In fact, it could cost you an obligation that takes decades to repay. If the process is delayed, you should pay your current premium and delay the starting effective date by 30-90 days. You can also terminate an existing policy at any time. If a vehicle has just been purchased, an existing policy generally provides coverage for 30 days.

Once the applied-for policy is approved, a new declarations page and ID cards will be promptly sent. Depending on the insurer, these items can be faxed, emailed or simply printed at your home or place of business. The turnaround time is much quicker than it was 10-15 years ago. Once you have received all of the paperwork (and determined the terms are acceptable), your existing Ohio car insurance policy can be canceled so you are not paying for duplicate coverage.


Need Homeowner’s Insurance Coverage?

Homeowner’s coverage is offered by most major carriers. When bundling your auto and home coverage, typically, a 10%-20% discount may be available. Rental property, condos, and personal property for renters can also be covered. In many situations, splitting property and casualty policies among several companies is the most cost-effective option. The companies with the highest market share in Ohio are State Farm, Allstate, Liberty Mutual, Nationwide, Grange, Erie, Westfield, Cincinnati, USAA, and American Family.

{ 0 comments… add one now }

Leave a Comment

Previous post:

Next post: