At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in Ohio does not have to be a chore. Fill out one form and our licensed agents will match you with the Ohio auto insurance provider that offers the best rate for your vehicle and your drivers.
Did you know? The average Ohio auto insurance premium in December 2011 was $1,080.00 for a 12-month policy. It appears that rates have decreased since November 2011 when average rates in Ohio were around $1,096.00 for a 12-month policy.
Average Premiums for Auto Insurance In Ohio |
||||
| Dec 2011 | Nov 2011 | Oct 2011 | Sep 2011 | Aug 2011 |
| $1079..00 | $1096..00 | $1079..00 | $1132.00 | $1140.00 |
Though rates have decreased in recent months, it’s important to continue to save money and find great coverage on Ohio auto insurance. Be sure to ask your Ohio car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.
Ohio Auto Insurance News
- Auto insurance provider ordered to pay hefty compensation to agents for missing sales commissionsTuesday, January 18, 2011
Ohio Auto Insurance Coverage Requirements
Bodily Injury: Ohio drivers are required by law to carry a minimum of $12,000 of bodily injury coverage with a maximum of $25,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.
Property Damage: Drivers in Ohio must carry a minimum of $7.5,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.
Ohio Recommended Coverages
- Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
- Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters
Another way to save money on Ohio car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the Ohio Home-Auto Discount.
Auto Insurance Tools and Tips:
- Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
- Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
- Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.
Ohio Most Stolen Vehicles
Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in Ohio:
The Top 10 Most Stolen Vehicles in Ohio
Rank |
Year |
Vehicle |
1 |
1994 |
Dodge Caravan |
2 |
1994 |
Oldsmobile Cutlass |
3 |
1994 |
Buick Century |
4 |
1996 |
Jeep Cherokee/Grand Cherokee |
5 |
1997 |
Ford Taurus |
6 |
1997 |
Chevrolet Cavalier |
7 |
2000 |
Dodge Intrepid |
8 |
1989 |
Chevrolet Full Size C/K 1500 Pickup |
9 |
1998 |
Honda Civic |
10 |
1995 |
Plymouth Voyager |
Source: © 2007 National Insurance Crime Bureau.
Ohio Driver Licensing Rules/Regulations:
Laws about licensing new drivers vary per state and are unique in Ohio. Drivers shopping for Ohio teen auto insurance should review the laws regarding young drivers in their state. A summary of Ohio young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):
| To earn a Ohio learners permit you must be of this minimum age: | 15, 6 months |
| Before getting a Ohio drivers license you must have a learners permit for: | 6 months |
| Also, you must have this minimum amount of supervised driving time: | 50 hours, 10 of which must be at night |
| To earn a Ohio driver's license you must be of the minimum age: | 16 |
| During your restricted license stage, you are not allowed to drive between: | midnight-6 am (age 16), 1 am-5 am (age 17) secondary enforcement |
| Also, you are required to comply with the following passenger restrictions: | "no more than 1 passenger unless supervised" |
| The minimum age at which your restricted nighttime hours may be lifted in Ohio is: | 18 |
| The minimum age at which your passenger restrictions may be lifted in Ohio is: | 17 |
Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in Ohio.
Search for auto insurance in your Ohio county:
- Adams
- Allen
- Ashland
- Ashtabula
- Athens
- Auglaize
- Belmont
- Brown
- Butler
- Carroll
- Champaign
- Clark
- Clermont
- Clinton
- Columbiana
- Coshocton
- Crawford
- Cuyahoga
- Darke
- Defiance
- Delaware
- Erie
- Fairfield
- Fayette
- Franklin
- Fulton
- Gallia
- Geauga
- Greene
- Guernsey
- Hamilton
- Hancock
- Hardin
- Harrison
- Henry
- Highland
- Hocking
- Holmes
- Huron
- Jackson
- Jefferson
- Knox
- Lake
- Lawrence
- Licking
- Logan
- Lorain
- Lucas
- Madison
- Mahoning
- Marion
- Medina
- Meigs
- Mercer
- Miami
- Monroe
- Montgomery
- Morgan
- Morrow
- Muskingum
- Noble
- Ottawa
- Paulding
- Perry
- Pickaway
- Pike
- Portage
- Preble
- Putnam
- Richland
- Ross
- Sandusky
- Scioto
- Seneca
- Shelby
- Stark
- Summit
- Trumbull
- Tuscarawas
- Union
- Van Wert
- Vinton
- Warren
- Washington
- Wayne
- Williams
- Wood
- Wyandot
For additional information about specific auto insurance laws in Ohio, visit the Ohio Department of Insurance website.
