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Auto Insurance Buyer's Guide for Ohio

How to Shop

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Step 1. Understand What Factors Affect Your Rates

Become a smart insurance consumer.  Most companies base your car insurance rate on information about previous claims and traffic tickets, miles driven annually and even your level of education and occupation. Ohio companies are permitted to use an insurance risk score, based on your credit history. Lastly, the amount of coverage you request, the deductibles you choose and safety of the car your drive will be important factors when you get a quote.

Ohio Rates Are Among The Lowest
In The Country

1. Washington, DC
2. New Jersey
3. Louisiana
4. New York
39. Ohio

Source: Insurance Information Institute.

Step 2. Decide How Much to Buy

Choose your coverage with confidence. Use your current policy as a starting point for comparing rates from other companies. If you own a home, but haven’t increased your policy limits since buying, it’s time to think about more coverage to protect your investment. If you’re a renter or have experienced a tough financial situation recently, minimum limits of liability may be all you can afford. Depending on your household situation, compare the cost of buying more – or less – coverage than you have today, so you understand the trade-offs.

Ohio Seatbelt Facts

  • 83% of Ohio drivers buckle up
  • $30 fine for driver if unbelted
  • $20 fine each passenger
  • Car seat or belt required for all until age 15
  • Passenger 15+ must wear a belt in the front seat only

Source: National Highway Traffic Safety Administration, U.S. Department of Transportation; Insurance Institute for Highway Safety, Property Casualty Insurers Association of America.

Step 3. Shop Smart and Save

Compare rates when your renewal bill arrives. While average rates for auto insurance are relatively low in Ohio, there’s still plenty of opportunity for savings. Many insurance companies change rates annually, so it’s a good idea to compare your own rates every year. We provide a quick way to check for new rates from top auto insurers. With more than 20 discounts available to Ohio drivers, comparing rates and companies helps you find discounts that help you save.

Get Quotes From These Top Ohio Carriers

Step 4. Learn How Auto Insurance Really Works

It’s not rocket science, but auto insurance does get complicated. Making it easier to navigate is what we do. In Ohio, your insurance quote will be based on your driving record, financial stability (based on select information from your credit report), and other personal information you provide about the drivers on your policy.

The only way to get an accurate quote is to provide the facts about your cars, your coverage and your drivers. You save time and money, because we'll give you comparisons from a wide range of companies in one quick step. Ready to see how much you can save?

Compare Rates From Multiple Ohio Auto Insurance Companies

Do you currently have auto insurance?

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