Cheap Full Coverage Insurance Ohio - To find the best affordable car insurance in Ohio, our editorial team collected quotes from the state's largest car insurers in all zip codes. Prices for minimum coverage meet Ohio state minimum requirements of $25,000 per person in personal injury liability coverage and $50,000 per accident, plus $25,000 in property damage coverage. Excerpts from comprehensive coverage policies include state minimum liability limits, as well as collision and comprehensive coverage.
In addition, we rank the best companies in Ohio based on different driver accessibility, customer service ratings, convenience, and availability of coverage.
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State Farm has the cheapest statewide minimum car insurance in Ohio. The company offers minimum coverage of $299 per year — $182 less than the state average.
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While cheaper rates make minimum liability car insurance an attractive option, lower coverage limits can cost you more in the long run if you cause an accident.
The minimum coverage policy in Ohio only covers injuries to the other driver and property damage. It does not cover damage to your vehicle or injury to you or your passengers.
The difference between the average cost of a full coverage policy and a minimum coverage policy in Ohio is $897 per year, or $75 per month. But it may be worth the extra cost, knowing that you probably won't be paying out of pocket after a costly car accident.
The cheapest auto insurance company for full coverage is State Farm, with an annual rate of $786. State Farm rates are 43% cheaper than the state average and $145 less than the next cheapest insurer, Geico.
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Comprehensive coverage car insurance quotes include liability coverage for bodily injury and property damage in addition to collision and comprehensive coverage. Drivers also have the option of adding medical payments coverage, which helps pay for injuries after an accident.
Drivers who have incidents on their record — such as an at-fault accident or DUI (driving under the influence) citation — pay higher insurance rates because insurers believe these drivers are more likely to make future claims. are Your credit score also affects your risk profile in most states, even if it has nothing to do with your ability to drive safely.
If you are an Ohio driver with a speeding ticket on your record, we recommend the state form for full coverage insurance. Its annual fee is $859 — more than $700 cheaper than the state average.
Speeding fines increase the average cost of auto insurance in Ohio from $1,378 to $1,574, an increase of about 14%.
The Best Cheap Car Insurance In Ohio In 2022
State Farm also offers the cheapest auto insurance quotes for drivers in Ohio with accidents on their driving record. At $932 a year for a full coverage policy, its rate is 52% below the state average and more than $600 cheaper than the next best option, Westfield. All-state fees average $3,003, more than three times the cost of a policy with State Farm.
Just one accident on your driving record can result in significantly higher car insurance rates. In Ohio, rates increase 42 percent after an accident — an average of $579 a year.
Progressive has the cheapest car insurance rates for Ohio drivers with a DUI citation on their record. The company increases rates by 13% each year after a DUI for a full coverage policy. By comparison, insurers in Ohio increase rates by 66 percent on average after a DUI.
Drivers with bad credit should consider Geico for affordable Ohio car insurance. Geico's average rate for a full coverage policy is $1,257, which is $281 less than the next cheapest insurer, State Farm, and $819 less than the state average.
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Your credit score doesn't affect your ability to drive, but it does affect your Ohio car insurance rates. Statistics show that drivers with bad credit are more likely to file an insurance claim, making them a higher risk to insurers. Full coverage auto insurance rates in Ohio average $2,076 a year for drivers with bad credit, which is $698 more expensive than insurance for drivers with an average credit score.
State Farm has the best car insurance rates for couples in Ohio. Married drivers pay $786 a year, or $66 a month if they take out State Farm's full coverage policy — 40% less than the state average.
There are a number of financial benefits to tying the knot, including lower auto insurance rates. Insurance companies offer cheaper rates to married drivers because they are statistically less prone to car accidents.
In Ohio, married drivers pay an average of $1,318 a year in fees, which is 4% less annually than single drivers pay.
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State Farm offers the best rates for young drivers in Ohio. Minimum coverage with State Farm is $1,029 per year – 42% cheaper than the state average. State Farm has the most affordable full coverage policy at $2,461 per year.
Even though Ohio is one of the most affordable states for auto insurance, young drivers still pay more for auto insurance than older drivers. In fact, the average annual cost of a minimum coverage policy for an 18-year-old is nearly four times that for a 30-year-old driver: $1,760 versus $481 per year.
We recommend a full coverage policy for teenage drivers if they can afford it. Teenagers are involved in accidents more often than adult drivers, which means they benefit more from their covered car repairs. The minimum coverage policy, while affordable at $2,871, can cost more if a teenager has a serious accident and has to pay completely out-of-pocket for repairs.
Good discounts on student and driver safety courses can help young drivers lower their fees as well as help parents stay on the policy for longer.
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State Farm has some of the cheapest rates for Ohio youth drivers with tickets on their record. Premiums cost $1,143 a year for the minimum coverage, which is 40% cheaper than the state average.
Young drivers in Ohio can expect their rates to increase by 9% after a speeding ticket. However, the amount your premium will increase varies from company to company. Allstate raises rates 29% after a pass – $483 per year and more than any other company in our study. On the other hand, Grange and Westfield do not raise rates for young drivers after a speeding ticket.
State Farm also has the best rates for young drivers who cause an accident — $1,257 a year for minimum coverage and $846 cheaper than the state average.
One at-fault accident will cause a 20% increase in minimum coverage for young drivers. Geico and Allstate increased rates after an at-fault accident — 39% and 44%, respectively. While drivers with Westfield only get a 2% rate increase, their minimum coverage fee is still about $500 more expensive than State Farm's.
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J.D. is our pick for the best insurance company in Erie Ohio based on their affordable rates. Strength and Financial Stability Rating of AM Best.
When you're comparing auto insurers, choosing a company you can trust is just as important as finding the best rate.
Our editor's rankings are determined by analyzing each company's relative to its competitors, the policy coverage it offers, and customer satisfaction ratings.
The JD Auto Claims Power Satisfaction Study is an annual national survey that surveys insurance consumers about their claims experience with their insurer. Higher scores are better and the best possible ranking is 1000.
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AM Best's Financial Strength Rating is a rating that describes an insurance company's overall financial health and its ability to pay claims. The best available score is A++. The companies we consider have a financial strength rating of AM Excellent A or better, meaning they have an "excellent" or "superior" ability to pay claims even in tough economic times.
Findlay, Grover Hill and St. Marys are the cheapest cities in Ohio for full coverage car insurance, while St. Barnard, Youngstown and Cleveland are the most expensive.
Where you live can affect your car insurance rates as much as your driving habits. In Ohio, the difference in average annual cost of full coverage car insurance between the most and least expensive cities is only $542.
Ohio requires drivers to purchase a minimum amount of car insurance to legally drive in the state. These minimum insurance limits pay for damages and injuries to the other driver:
Get Cheap Full Coverage Car Insurance In 2022 (from $90/mo)
The average cost of car insurance in Ohio is $481 per year, or $40 per month for minimum coverage. The average cost of full coverage auto insurance is $1,378 per year.
The cheapest car insurance in Ohio is from State Farm, with a minimum liability rate of $299 per year and a full coverage rate of $786 per year.
Erie, State Farm and Jacko are the top three auto insurance companies in Ohio. They offer the best combination of cheap rates for most drivers and excellent customer support scores.
The average cost of a full coverage policy in Columbus, Ohio's largest city is
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