Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 1, 2020

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Ohio Statistics Summary
Ohio Statistics SummaryDetails
Roadway Miles Road Miles in State: 122,926
Vehicle Miles Driven: 113.7 billion
VehiclesRegistered: 10,152,367
Vehicle Thefts: 18,015
Population11,689,442
Most Popular VehicleHonda Civic
Uninsured Motorists12.40%
State Rank: 22nd
Traffic Fatalities Total: 1,179
Speeding: 252
DUI: 333
Average Insurance PremiumsLiability $397.11
Collision $269.84
Comprehensive $121.61
Total $788.56
Cheapest ProviderUSAA and American Family
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Unless you’re a part of the big Amish population that calls Ohio home, you need car insurance.

Ohio law used to randomly select uninsured drivers and suspend them for not showing proof of insurance. As of July 3, 2019, the Ohio BMV government canceled random selection suspension.

You do still need car insurance in Ohio, however. Drivers can compare rates and switch insurance companies to find the best car insurance in Ohio.

Compare cheap car insurance quotes in Ohio right now by entering your ZIP in our FREE comparison tool.

Table of Contents

Ohio Car Insurance Coverage and Rates

Ohio law mandates that you have to carry a minimum amount of car insurance to be on the road legally.

The good news for Ohioans is that rates fall below the national average, but that doesn’t make shopping for car insurance any more enjoyable.

You want to make sure you’re adequately covered, but you don’t want to overpay or buy coverage you don’t need. A clear, concise understanding of your options would make it easier!

Everything you need to know is right here in a straightforward and uncomplicated format.

We have gathered the details on mandatory coverage and options and provided rate comparisons between states and companies to give you an idea of what to expect.

This complete guide to Ohio auto insurance will get you ready for the road.

What is the minimum car insurance required in Ohio?

Insurance in Ohio is required to make sure that everyone can handle the financial responsibility of a car accident. Liability coverage exists to do just that, and it’s what you need to buy to form the legally required basis of your policy. Minimum coverage costs vary from state to state.

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Here are Ohio’s state minimum car insurance requirements, according to Ohio State Law.

Ohio Minimum Coverage
Coverage TypeLegal Minimum
Bodily Injury Liability$25,000 per person
$50,000 per incident
Property Damage Liability$25,000
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Do you need car insurance in Ohio? The answer is yes. You can choose to carry a lot more coverage than the minimums, and it’s a good idea to do so. These limits will keep you on the right side of the law.

Forms of Financial Responsibility in Ohio

Liability insurance is a form of financial responsibility and the most popular choice for Ohio drivers.

There are a few other options. One of them is to be self-insured, but that only applies if you own 25 or more vehicles, and most people don’t.

Alternatively, you can be issued a certificate of financial responsibility in one of three ways:

  • Deposit cash or government bonds with the Treasurer of the State of Ohio.
  • Sign a certificate of bond asserting that you own real estate with equity for at least $60,000 (two people are required to sign together).
  • Provide evidence of a bond issued by an authorized surety or insurance company.

You are always required to carry proof of financial responsibility with you when driving, so whether you choose insurance or an alternative, make sure that’s with the car.

Ohio Car Insurance Rates as a Percentage of Income

Ohioans spend less of their hard-earned cash on car insurance than the national average by about forty percent.

Based on the average disposable income in the state, drivers in Ohio spent about 1.98 percent of their money on car insurance in 2014. That’s down from the previous two years.

Although premiums have gone up, so has the average disposable income.

Ohio Premiums as Percentage of Income
Premiums As a Percentage of Income2012 Disposable Income2012 Average Premium2012 Percentage2013 Disposable Income2013 Average Premium2013 Percentage2014 Disposable Income2014 Average Premium2014 Percentage
Ohio$36,035.00$714.051.98%$36,168.00$738.682.04%$37,490.00$766.662.04%
National Average$39,473.00$924.452.34%$39,192.00$950.922.43%$40,859.00$981.772.40%
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Indiana fares about the same, with an average of two percent of income spent on car insurance.

To the east, Pennsylvanians spent more, averaging 2.24 percent in 2014.

Average Car Insurance Costs in Ohio (Liability, Collision, Comprehensive)

What is considered full coverage insurance in Ohio? A full-coverage policy consists of three essential components: liability, collision, and comprehensive.

Ohio Core Coverage
Coverage TypeOhio Average (2015)National Average (2015)
Liability$397.11$538.73
Collision$269.84$322.61
Comprehensive$121.61$148.04
Total$788.56$1,009.38
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In Ohio, average rates for core coverage compare favorably with the national average. Ohio’s rates are lower in every category.

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Ohio Additional Liability

In addition to the liability you are required by law to carry, you can add some additional options to your insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) coverage is the most common of these. It’s designed to protect you from both people who don’t carry insurance at all. You’re also protected from those who aren’t able to cover the cost of an accident when they’re at fault.

Approximately 12 percent of motorists on Ohio’s roads are uninsured, ranking 22nd in the nation.

That number doesn’t even account for those that may be underinsured. It can be challenging to quantify since it depends on the accident.

The legal minimum might be fine to cover a fender bender, but someone with that coverage will quickly become underinsured in a severe accident involving injuries.

The second type of additional liability you will be offered in Ohio is Medical Payments (Med Pay). This coverage pays medical bills for you and your passengers regardless of fault in the accident.

Loss ratios gathered by the National Association of Insurance Commissioners (NAIC) can tell us how much Ohio car insurance companies are paying out on these two coverage options compared to the premiums they collect.

Ohio Loss Ratios Additional Liability
Type of CoverageOhio Loss Ratio (2015)National Average Loss Ratio (2015)
Uninsured/Underinsured Motorist60.6575.11
Medical Payments77.3775.72
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Ohio’s medical payments (MedPay) loss ratio is close to the national average, while UM/UIM’s loss ratio is less. The lower ratio shows car insurance companies paying less in filed claims.

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Add-Ons, Endorsements, and Riders

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance
  • Pay-As-You-Drive or Usage-Based Insurance

Most usage-based insurance plans offer a discount in return for allowing the company to monitor your driving habits. Pay-per-mile, on the other hand, actually determines your monthly cost based on the number of miles you drive.

Although several companies offer usage-based insurance in Ohio, the few companies writing pay-per-mile insurance only offer that plan in a handful of states. You won’t get these automobile insurance plans in Ohio.

Ohio’s Average Monthly Car Insurance Rates by Age & Gender

Age and gender are two of the factors that have an impact on rates in Ohio. Teen drivers pay the highest rates. Males are a little more expensive than females to insure at age 17.

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Rates drop quickly from age 25 and up, and the gender cost gap closes.

Ohio Demographic Rates Male/Female/Age
CompanyMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual RateSingle 17-year old female Annual RateSingle 17-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual Rate
Allstate F&C$2,138.70$2,132.00$1,926.78$2,060.78$5,908.09$6,758.78$2,248.98$2,403.62
American Family Mutual$943.84$980.06$862.73$866.82$2,911.29$3,161.47$1,166.31$1,228.84
Farmers Ins of Columbus$1,814.67$1,810.78$1,598.65$1,686.60$8,004.71$8,312.21$2,032.84$2,123.65
Geico Cas$1,348.45$1,310.04$1,264.91$1,276.23$3,611.17$3,359.64$1,497.90$1,269.11
Safeco Ins Co of IL$2,067.94$2,258.05$1,589.89$1,934.44$10,791.30$12,192.16$2,199.81$2,404.29
Nationwide Mutual$2,202.69$2,214.18$1,987.35$2,002.19$5,629.14$7,261.11$2,361.32$2,749.18
Progressive Specialty$1,774.30$1,672.93$1,477.06$1,525.00$7,866.04$8,860.06$2,124.39$2,195.89
State Farm Mutual Auto$1,505.94$1,505.94$1,347.85$1,347.85$4,698.43$5,902.29$1,749.20$2,005.47
Discover Prop & Cas Ins Co$1,444.26$1,466.30$1,434.68$1,427.12$6,234.90$9,849.32$1,505.60$1,719.12
USAA$895.00$902.46$851.69$850.63$2,763.43$3,076.83$1,196.59$1,291.02
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Cheapest Ohio Car Insurance Rates By ZIP Code

Did you know that the ZIP code you live in can affect your rates?

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Below you can search ZIP codes to see what the average rates look like in various parts of Ohio. You’ll notice that although the most expensive ZIP codes tend to be in the same areas. Not every ZIP code, even within the same city, has the same rates.

Ohio 25 MOST Expensive ZIP Codes
25 Most Expensive Zip Codes in OhioCityAverage Annual Rate by Zip CodeMost Expensive CompanyMost Expensive Annual Rate 2nd Most Expensive Company2nd Most Expensive Annual Rate Cheapest CompanyCheapest Annual Rate 2nd Cheapest Company2nd Cheapest Annual Rate
43224COLUMBUS$3,667.48Progressive$5,629.87Liberty Mutual$5,580.27USAA$1,677.82American Family$1,735.02
43608TOLEDO$3,629.84Liberty Mutual$5,604.95Farmers$4,702.48USAA$1,752.21American Family$1,917.02
43211COLUMBUS$3,608.65Liberty Mutual$5,580.27Progressive$5,260.21USAA$1,602.45American Family$1,820.61
43610TOLEDO$3,603.68Liberty Mutual$5,604.95Farmers$4,702.66USAA$1,752.21American Family$1,916.61
43620TOLEDO$3,562.98Liberty Mutual$5,604.95Farmers$4,675.36USAA$1,752.21American Family$1,894.20
45225CINCINNATI$3,553.80Liberty Mutual$5,279.24Progressive$5,142.08USAA$1,615.82American Family$1,879.15
45214CINCINNATI$3,546.86Liberty Mutual$5,279.24Progressive$4,932.49USAA$1,773.59American Family$1,914.64
44510YOUNGSTOWN$3,534.06Liberty Mutual$5,196.76Farmers$4,590.33American Family$1,776.30USAA$1,871.55
44104CLEVELAND$3,529.50Liberty Mutual$5,411.26Progressive$4,557.19USAA$1,623.13American Family$1,841.35
44502YOUNGSTOWN$3,525.99Liberty Mutual$5,196.76Farmers$4,548.25American Family$1,769.59USAA$1,871.55
43604TOLEDO$3,517.76Liberty Mutual$5,604.95Farmers$4,431.29USAA$1,752.21American Family$1,854.68
44503YOUNGSTOWN$3,516.11Liberty Mutual$5,196.76Farmers$4,541.42American Family$1,769.59USAA$1,871.55
44504YOUNGSTOWN$3,514.38Liberty Mutual$5,196.76Farmers$4,585.91American Family$1,623.63USAA$1,871.55
45205CINCINNATI$3,513.17Liberty Mutual$5,279.24Progressive$4,572.49USAA$1,773.59American Family$1,896.43
43203COLUMBUS$3,511.66Liberty Mutual$5,580.27Progressive$4,524.21USAA$1,602.45American Family$1,832.09
43609TOLEDO$3,508.26Liberty Mutual$5,604.95Farmers$4,427.34USAA$1,632.21American Family$1,854.68
43219COLUMBUS$3,507.34Liberty Mutual$5,580.27Progressive$4,346.93USAA$1,485.99American Family$1,788.00
44506YOUNGSTOWN$3,500.25Liberty Mutual$5,196.76Farmers$4,531.75American Family$1,764.69USAA$1,871.55
44507YOUNGSTOWN$3,497.59Liberty Mutual$5,196.76Farmers$4,608.03American Family$1,779.08USAA$1,871.55
43612TOLEDO$3,496.23Liberty Mutual$5,604.95Farmers$4,371.09USAA$1,690.58American Family$1,827.44
43605TOLEDO$3,483.76Liberty Mutual$5,604.95Farmers$4,343.36American Family$1,663.32USAA$1,690.58
45219CINCINNATI$3,477.52Liberty Mutual$5,279.24Farmers$4,641.51USAA$1,713.89American Family$1,879.84
44127CLEVELAND$3,472.34Liberty Mutual$5,411.26Farmers$4,386.64USAA$1,623.13American Family$1,821.20
44103CLEVELAND$3,469.12Liberty Mutual$5,411.26Farmers$4,241.90USAA$1,623.13American Family$1,841.35
43205COLUMBUS$3,462.57Liberty Mutual$5,580.27Progressive$4,216.52USAA$1,547.76American Family$1,781.09
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The highest ZIP code rates tend to be in parts of Ohio’s bigger cities, such as Columbus, Toledo, and Cincinnati.

Ohio 25 CHEAPEST ZIP Codes
25 Cheapest ZIP Codes in OhioCityAverage Annual Rate by Zip CodesMost Expensive CompanyMost Expensive Annual Rate 2nd Most Expensive Company2nd Most Expensive Annual Rate Cheapest CompanyCheapest Annual Rate 2nd Cheapest Company2nd Cheapest Annual Rate
44883TIFFIN$2,325.38Liberty Mutual$3,357.16Nationwide$2,831.42USAA$1,301.36American Family$1,360.24
45840FINDLAY$2,340.63Liberty Mutual$3,357.16Nationwide$2,970.73USAA$1,357.45American Family$1,374.49
44861OLD FORT$2,355.45Liberty Mutual$3,357.16Farmers$3,101.73USAA$1,301.36American Family$1,362.16
45816BENTON RIDGE$2,360.76Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,272.61USAA$1,357.45
44820BUCYRUS$2,362.24Liberty Mutual$3,357.16Progressive$2,961.66American Family$1,346.67USAA$1,380.40
44830FOSTORIA$2,366.68Liberty Mutual$3,357.16Progressive$2,942.53USAA$1,301.36American Family$1,332.01
43351UPPER SANDUSKY$2,367.88Liberty Mutual$3,357.16Farmers$2,847.94American Family$1,329.32USAA$1,380.40
44809BASCOM$2,376.36Liberty Mutual$3,357.16Farmers$3,205.79USAA$1,301.36American Family$1,317.91
43330KIRBY$2,377.02Liberty Mutual$3,357.16Farmers$3,022.97American Family$1,353.85USAA$1,380.40
44845MELMORE$2,377.03Liberty Mutual$3,357.16Progressive$3,100.88USAA$1,301.36American Family$1,329.07
45875OTTAWA$2,380.80Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,363.80USAA$1,380.40
44828FLAT ROCK$2,385.20Liberty Mutual$3,357.16Farmers$3,134.66USAA$1,301.36American Family$1,362.08
44802ALVADA$2,385.94Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,317.91USAA$1,357.45
44817BLOOMDALE$2,386.88Liberty Mutual$3,357.16Nationwide$3,032.81American Family$1,291.40USAA$1,357.45
44827CRESTLINE$2,389.32Liberty Mutual$3,357.16Allstate$2,935.13American Family$1,315.21USAA$1,380.40
45891VAN WERT$2,391.83Liberty Mutual$3,639.93Nationwide$2,910.25USAA$1,380.40American Family$1,434.97
43316CAREY$2,393.94Liberty Mutual$3,357.16Farmers$2,996.09American Family$1,353.85USAA$1,380.40
45815BELMORE$2,396.47Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,276.62USAA$1,380.40
44853NEW RIEGEL$2,396.49Liberty Mutual$3,357.16Farmers$3,084.43USAA$1,301.36American Family$1,385.92
45877PANDORA$2,397.00Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,317.31USAA$1,380.40
44844MC CUTCHENVILLE$2,404.82Liberty Mutual$3,357.16Progressive$3,045.60American Family$1,329.07USAA$1,380.40
45889VAN BUREN$2,406.02Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,272.61USAA$1,357.45
44836GREEN SPRINGS$2,408.82Liberty Mutual$3,357.16Farmers$3,170.31USAA$1,301.36American Family$1,362.16
43323HARPSTER$2,409.21Liberty Mutual$3,357.16Farmers$3,026.73American Family$1,329.32USAA$1,380.40
44854NEW WASHINGTON$2,409.32Liberty Mutual$3,357.16Farmers$3,064.02American Family$1,373.19USAA$1,380.40
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The cheapest ZIP codes happen to be rural areas. Rural areas are much less expensive because the risk of an accident is much lower. A low accident rate means lower chances of filing a claim.

Cheapest Ohio Car Insurance Rates by City

Let’s compare car insurance rates from different cities. Review the rates below to compare which are the most expensive and the cheapest.

Ohio 10 MOST Expensive Cities
10 Most Expensive Cities in Ohio Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate 2nd Most Expensive Company2nd Most Expensive Annual Rate Cheapest CompanyCheapest Annual Rate 2nd Cheapest Company2nd Cheapest Annual Rate
Youngstown$3,471.04Liberty Mutual$5,116.26Farmers$4,491.06American Family$1,720.93USAA$1,834.62
Toledo$3,462.84Liberty Mutual$5,528.64Farmers$4,373.06USAA$1,682.66American Family$1,747.29
Blacklick Estates$3,449.06Liberty Mutual$5,580.27Progressive$4,254.54American Family$1,696.72USAA$1,699.83
Bexley$3,433.05Liberty Mutual$5,580.27Travelers$4,212.62USAA$1,705.29American Family$1,776.08
Beachwood$3,397.39Liberty Mutual$5,411.26Farmers$4,311.60USAA$1,623.13American Family$1,633.38
Ottawa Hills$3,396.30Liberty Mutual$5,604.95Nationwide$4,141.77USAA$1,632.21American Family$1,664.03
Cleveland$3,395.66Liberty Mutual$5,411.26Farmers$4,164.61USAA$1,622.29American Family$1,765.02
Columbus$3,340.94Liberty Mutual$5,580.27Travelers$4,153.84USAA$1,551.12American Family$1,683.71
Bridgetown$3,314.15Liberty Mutual$5,279.24Progressive$4,179.06USAA$1,710.83American Family$1,823.10
Cincinnati$3,303.69Liberty Mutual$5,126.55Progressive$4,086.64USAA$1,617.73American Family$1,784.34
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Youngstown has the most expensive rate in Ohio. However, Youngstown’s rate is not that much higher than the rates for the cheapest cities.

Ohio Top 10 Cheapest Cities
10 Least Expensive Cities in Ohio Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate 2nd Most Expensive Company2nd Most Expensive Annual Rate Cheapest CompanyCheapest Annual Rate 2nd Cheapest Company2nd Cheapest Annual Rate
Bettsville$2,325.38Liberty Mutual$3,357.16Nationwide$2,831.42USAA$1,301.36American Family$1,360.24
Findlay$2,340.63Liberty Mutual$3,357.16Nationwide$2,970.73USAA$1,357.45American Family$1,374.49
Old Fort$2,355.45Liberty Mutual$3,357.16Farmers$3,101.73USAA$1,301.36American Family$1,362.16
Benton Ridge$2,360.75Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,272.61USAA$1,357.45
Bucyrus$2,362.24Liberty Mutual$3,357.16Progressive$2,961.66American Family$1,346.67USAA$1,380.40
Fostoria$2,366.68Liberty Mutual$3,357.16Progressive$2,942.53USAA$1,301.36American Family$1,332.01
Upper Sandusky$2,367.88Liberty Mutual$3,357.16Farmers$2,847.94American Family$1,329.32USAA$1,380.40
Bascom$2,376.36Liberty Mutual$3,357.16Farmers$3,205.79USAA$1,301.36American Family$1,317.91
Kirby$2,377.02Liberty Mutual$3,357.16Farmers$3,022.97American Family$1,353.85USAA$1,380.40
Melmore$2,377.03Liberty Mutual$3,357.16Progressive$3,100.88USAA$1,301.36American Family$1,329.07
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USAA car insurance company is the cheapest company in most parts of Ohio. Only U.S. military members and their immediate families are eligible for USAA. Be sure to carry military ID proof for USAA company policies.

American Family car insurance in Perrysburg and Upper Sandusky, Ohio, is cheaper than USAA car insurance.

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The Best Ohio Car Insurance Companies

Choosing a car insurance company feels a little like throwing a dart at a list of company names and hoping for the best.

Everyone promises excellent rates, great coverage, and the best customer service, but how can you be sure they’re keeping those promises? There has to be a better way to choose the company that’s protecting you on the road.

We can help you make that decision with the information you need to feel confident in your choice.

We’ve gathered all the ratings and complaint data for the biggest insurance companies in Ohio right here, and broken down all the information.

You can also compare those companies based on their average premiums for several big rating factors, so you know you’re picking both the company with the best reputation and the company that delivers the best rates for your needs.

The Largest Companies’ Financial Ratings

Financial ratings for insurance companies may not seem like they are all that relevant to the average consumer, but they can tell you whether you can count on your insurer to pay out their claims.

Consider what happens when there is a major natural disaster. Insurance companies have to pay out a lot of claims in a short time.

Most car insurance companies also write home insurance, which means all those hurricane home claims are draining the same company’s resources that insure homes and cars in other parts of the country.

A company that doesn’t have the financial resources to ride out the storm claims could go under, and what if that’s the moment you’re in a major car accident?

A.M. Best provides us with ratings that help determine a company’s stability.

Ohio Top Companies A.M. Best Rating
CompanyAM Best Rating
State Farm GroupA++
Progressive GroupA+
Allstate Insurance GroupA+
Nationwide Corp GroupA+
GeicoA++
Grange Mutual Casualty GroupA
Liberty Mutual GroupA
Erie Insurance GroupA+
USAA GroupA++
American Family Insurance GroupA
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As you can see, all of the top companies rate well for financial stability. They have all earned a rating of either Excellent (A, A-) or Superior (A+, A++). All of these companies are in a stable position to pay out claims on the policies they have written.

Companies With The Best Ratings

From financial ratings, we move on to what the customers have to say. First, let’s look at the ratings provided by J.D. Power, the most trusted name in consumer survey ratings.

So what are the best Ohio car insurance companies?

J.D. Power ranks companies on a 1000-point scale

USAA ranks the best on the scale for 2020, but since they are open only to military members and their families, J.D. Power doesn’t list them.

The other top insurance companies on the latest survey are Geico, Farm Bureau, and Erie Insurance  Erie Insurance is among the largest companies in Ohio. Erie Insurance is located in Kenton, Ohio, as well as, Vandalia, Belpre, Wadsworth, and Poland, Ohio.

State Farm car insurance fell below average on the latest ratings.

The takeaway? The biggest car insurance companies aren’t always the best-rated. It’s still a good idea to look at options beyond the insurers that own the biggest market share.

Companies With The Most Complaints in Ohio

The Ohio Department of Insurance collects complaints data for car insurance companies operating in the state.

Ohio Companies Customer Complaints
CompanyNumber of Complaints (2015)Complaint Ratio (to market share)
State Farm Group1320.54
Progressive Group720.87
Allstate Insurance Group660.79
Nationwide Corp Group280.55
Geico531.27
Grange Mutual Casualty Group461.12
Liberty Mutual Group60.71
Erie Insurance Group210.51
USAA Group111.14
American Family Insurance Group241.07
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Geico, USAA, and Grange car insurance had the highest complaint ratio.

Complaint ratios are the big number to look at here – you will note that although State Farm has the highest number of complaints, it also has the lowest ratio. That’s because they have the largest part of the market share in Ohio. Their number of complaints comes from a much larger pool of customers than other companies.

Several complaints can cause something of a knee-jerk reaction, but it’s important to remember that it depends on the size of the company.

You may not be able to get a direct Grange car insurance quote here, but you can compare car insurance quotes from different companies in your local area by entering your ZIP code below!

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Cheapest Car Insurance Companies in Ohio

You can see below how the top ten companies’ rates compare to the state average.

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Of the top companies, USAA is the cheapest option in Ohio, with rates coming in at almost half of the average. They’re only open to those with a qualifying military connection, but for those without that qualification, rates from American Family are not far behind.

Ohio Cheapest Companies
CompanyAverage Annual Rate Compared to State Average ($)Compared to State Average (%)
Allstate F&C$3,197.22$368.0511.51%
American Family Mutual$1,515.17-$1,314.00-86.72%
Farmers Ins of Columbus$3,423.01$593.8517.35%
Geico Cas$1,867.18-$961.98-51.52%
Safeco Ins Co of IL$4,429.74$1,600.5736.13%
Nationwide Mutual$3,300.89$471.7314.29%
Progressive Specialty$3,436.96$607.7917.68%
State Farm Mutual Auto$2,507.87-$321.30-12.81%
Discover Prop & Cas Ins Co$3,135.16$306.009.76%
USAA$1,478.46-$1,350.71-91.36%
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Compared to the national average, American Family and USAA are the cheapest car insurance companies in Ohio.

Commute Rates By Company

Out of the top companies, only four show an increase in rates with a longer commute. For those that do show a change, it’s minimal, with the biggest difference seen at State Farm. Even there, it’s less than $125 a year difference.

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Your commute doesn’t have a significant impact on what you pay for car insurance in Ohio.

Ohio Commute Rates By Company
Company10 Mile commute, 6000 miles annually25-mile commute, 12,000 miles annualy
Allstate$3,197.22$3,197.22
American Family$1,496.84$1,533.50
Farmers$3,423.01$3,423.01
Geico$1,834.42$1,899.95
Liberty Mutual$4,429.74$4,429.74
Nationwide$3,300.89$3,300.89
Progressive$3,436.96$3,436.96
State Farm$2,445.81$2,569.94
Travelers$3,135.16$3,135.16
USAA$1,422.09$1,534.83
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American Family and USAA remain the cheapest companies even by commute mileage.

Coverage Level Rates By Company

The biggest reason drivers skip out on higher coverage levels is that they think it’s not affordable. Take a look at the average rates below by coverage level.

Ohio Rates By Coverage Level and Company
CompanyAnnual Rate with Low CoverageAnnual Rate with Medium CoverageAnnual Rate with High Coverage
Allstate$3,092.59$3,190.74$3,308.32
American Family$1,488.65$1,526.68$1,530.18
Farmers$3,243.37$3,370.12$3,655.55
Geico$1,807.66$1,858.73$1,935.16
Liberty Mutual$4,264.14$4,451.75$4,573.32
Nationwide$3,647.54$3,199.58$3,055.56
Progressive$3,305.47$3,408.32$3,597.09
State Farm$2,384.79$2,515.42$2,623.40
Travelers$3,050.20$3,176.78$3,178.51
USAA$1,413.38$1,477.00$1,544.99
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At several companies, you can jump from low to high coverage for less than $200 a year, and at almost all the difference is less than $300 a year. Broken down monthly, that’s a pretty nominal difference, and well worth the extra cost.

Credit History Rates By Company

Your credit score does affect car insurance rates, particularly if you have poor credit. According to Experian, the average 2019 credit score in Ohio was 705. That’s a few points above the national average of 703.

Ohio Rates By Credit Rating and Company
CompanyAnnual Rate with Poor CreditAnnual Rate with Fair CreditAnnual Rate with Good Credit
Allstate$4,109.54$2,987.92$2,494.19
American Family$2,010.87$1,372.30$1,162.34
Farmers$3,877.82$3,273.78$3,117.43
Geico$2,239.10$1,867.18$1,495.27
Liberty Mutual$6,349.68$3,890.18$3,049.35
Nationwide$3,983.93$3,209.33$2,709.43
Progressive$3,860.18$3,335.09$3,115.60
State Farm$3,573.32$2,208.94$1,741.35
Travelers$3,505.29$3,050.60$2,849.59
USAA$1,919.04$1,358.48$1,157.84
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Fair credit and above don’t have much impact on your car insurance rates. Some drivers with poor credit will pay double or close to it for poor credit.

On the bright side, not all companies hit rates so hard based on credit. While you work on improving that credit score, shopping around will be your best friend.

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Driving Record Rates By Company

A clean record will always earn you the best rates from any insurance company. But what does it look like in terms of increase for common violations and accidents?

The numbers below will give you an idea of what you can expect to pay annually for a speeding ticket, DUI, or an accident on your record.

Ohio Rates By Driving Record and Company
CompanyClean RecordWith 1 AccidentWith 1 Speeding TicketWith 1 DUI
Allstate$2,689.12$3,250.76$3,040.34$3,808.65
American Family$1,451.77$1,536.30$1,536.30$1,536.30
Farmers$2,823.36$3,634.83$3,688.92$3,544.94
Geico$1,269.11$1,828.67$1,725.85$2,645.09
Liberty Mutual$3,722.47$4,775.12$4,341.01$4,880.34
Nationwide$2,644.52$3,364.88$2,924.39$4,269.79
Progressive$2,963.60$4,028.09$3,599.93$3,156.21
State Farm$2,285.04$2,730.70$2,507.87$2,507.87
Travelers$2,308.77$3,009.00$2,683.62$4,539.26
USAA$1,135.07$1,521.70$1,257.56$1,999.49
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As you can see, how each company rates for these three situations differs quite a bit. Some charge their highest rate on an accident, others the DUI, while still others will hit you hardest for a speeding ticket.

Once again, shopping around makes a big difference no matter what is on your record!

Largest Car Insurance Companies in Ohio

State Farm holds nearly 20 percent of the market share for car insurance in Ohio. That’s in keeping with their position as the most prominent car insurance company in the nation.

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Much of the list consists of national companies, but there are a few smaller, regional companies in there as well, such as Grange. They’re a homegrown company with headquarters located in Columbus.

Largest Car Insurance Companies in Ohio
CompanyDirect Premiums WrittenMarket Share
State Farm Group$1,316,29719.69%
Progressive Group$903,17913.51%
Allstate Insurance Group$687,52710.29%
Nationwide Corp Group$536,7688.03%
Geico$466,5356.98%
Grange Mutual Casualty Group$344,3995.15%
Liberty Mutual Group$315,3084.72%
Erie Insurance Group$222,8633.33%
USAA Group$198,0162.96%
American Family Insurance Group$176,1532.64%
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Although J.D. Power reported that Erie Insurance is the largest in Ohio, State Farm has the largest national market share.

Number of Insurers in Ohio

There are 138 domestic property and casualty insurance companies operating in Ohio.

Foreign insurers, on the other hand, are incorporated in another state. Ohio has 851 property and casualty companies that are licensed in Ohio.

That adds up to 989 insurance companies you could potentially choose from for your car insurance.

Ohio State Laws

Ohio laws are in place to protect everyone in the state, and apply both to insurance companies and residents.

The laws regarding vehicles, insurance, and roadways can be overwhelming and confusing, and since they change occasionally, it can also be hard to stay on top of things.

It would be great just to have the important ones broken down into a simple to read format, minus all the legal language and excess details, right?

We have pulled out all the state laws you need to know and presented them for you right here, clear and without complex language.

We’ll cover laws about insurance, driver, and vehicle licensing, and what happens when a driver breaks the law, so keep reading for the details!

Ohio Car Insurance Laws

Car insurance is regulated by Ohio laws, including how rates are determined and other details that apply to companies and you as drivers.

How Ohio Laws For Car Insurance Are Determined

The Ohio Department of Insurance is in charge of regulating insurance rates for some products, including auto insurance. They accept form filings from insurance companies but aren’t involved in rate-setting unless a company violates it.

The Ohio State Legislature handles the creating, changing, and repealing of laws. All of the laws on the books regarding insurance and motor vehicles are found in the Ohio Codes.

Don’t worry about digging through the statutes, though! We’ve pulled out the relevant laws for you.

Windshield Coverage

One area of coverage where there has been some debate is windshield coverage and replacement with aftermarket versus OEM parts.

Laws differ from state to state, but in Ohio, insurance companies are permitted to use aftermarket parts for windshield replacement.

You have the right to refuse aftermarket windshield replacement, but may have to pay the difference in cost out of pocket.

Insurance companies in Ohio may have individual coverage available for glass repair and replacement that reduces or removes the deductible, but they’re not required by law.

If it’s not possible (or you don’t select it), glass is covered under comprehensive and is subject to that deductible.

High-Risk Insurance

High-risk drivers are those that are seen by insurance companies to represent a much higher than average risk of a claim. Drivers usually get this classification for a problematic driving record – multiple tickets and accidents, DUIs, and other major violations. Credit history and other issues can also earn a high-risk driver label.

Being considered a high-risk driver can make it very expensive and very difficult to get car insurance. Some drivers will find they aren’t able to get insurance from standard companies and look to non-standard car insurance companies.

Non-standard insurance companies take on drivers that other companies have turned down and often specialize in poor driving records.

There are situations where even the non-standard companies either turn down a driver or quote rates so high they’re unaffordable. In that case, the Ohio Automobile Insurance Plan (OIAP) can step in.

OIAP is an assigned risk plan that takes high-risk drivers and divides them up among the various insurance companies. The company is required to provide a policy at a rate in line with the plan’s limits.

That doesn’t make it a cheap option for high-risk drivers. It’s still going to be pricey, but you can’t be turned down, and they do have to play by specific rate rules.

Drivers convicted of certain violations will be required by the state to provide an SR-22. That’s a financial responsibility document the insurance company filed with the state proving the driver has the required minimum insurance.

If you’re looking for cheap SR22 insurance in Akron, Ohio, start with our FREE comparison tool!

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Low-Cost Insurance

Ohio already has lower insurance costs than many other states, so it doesn’t provide a specific program for low-income families.

Fortunately, there are a lot of companies to choose from, and many offer below-average rates. Shopping your car insurance around is the best way to get low-cost coverage in Ohio.

Automobile Insurance Fraud in Ohio

Insurance fraud is against the law, and Ohio operates a Fraud Unit through the Department of Insurance, where fraud can be reported and investigated.

Every insurance company in the state is required to have procedures in place for reporting suspected fraud.

Many people see insurance fraud, mainly what is known as “soft fraud” (like misrepresentation on an insurance application or padding a claim) as a victimless crime.

Unfortunately, fraud can cost insurance companies millions, and that cost will be passed on to the consumers as rate increases.

Fraud Penalties in Ohio
Amount of FraudClassificationFineJail Time
>$1,000MisdemeanorUp to $1,000Up to 180 days

$1001-$7,499
Fifth-degree felonyUp to $2,5006-12 months
$7,500-$149,999Fourth-degree felonyUp to $5,0006-18 months
$150,000-$749,999Third-degree felonyUp to $10,0009-36 months
$750,000-$1.499 millionSecond-degree felonyUp to $15,0002-8 years
$1.5 million or moreFirst-degree felonyUp to $20,0003-11 years
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Insurance fraud can be classified as a misdemeanor or a felony, depending on the amount of money involved.

Statute of Limitations

Under Ohio law, you have two years to file either an injury or property damage claim. After this period, the statute of limitations has run out on both.

Vehicle Licensing Laws in Ohio

This next section will outline the laws you need to know to get a license in Ohio (and keep it).

Penalties for Driving Without Insurance

Driving without car insurance in Ohio is illegal, and the penalties get steeper every time you are caught.

Ohio Driving Without Insurance Penalties
Driving Without InsuranceLicense SuspensionReinstatement FeeOtherViolation of Suspension Penalties
First OffenseUntil all requirements are met$100Loss of license plates/registration
SR-22 requirement 3-5 years
Vehicle immobilized/license plates forfeit for 30 days
Second Offense1 year$300Loss of license plates/registration
SR-22 requirement 3-5 years
Vehicle immobilized/license plates forfeit for 60 days
Third Offense + Subsequent Offenses2 years$600Loss of license plates/registration
SR-22 requirement 3-5 years
Vehicle forfeit and sold, may not register another vehicle for five years
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The law says you have to show proof of insurance to an officer at any traffic stop or vehicle inspection stop. You’ll also be required to produce it if you’ve been in an accident. An at-fault accident where you are uninsured will lead to additional penalties on top of those outlined above.

Ohio no longer performs random selection. As of July 3, 2019, the Ohio state law will no longer send out letters requesting that you provide proof of insurance.

However, if you’re pulled over, an Ohio law enforcement officer will accept both paper and electronic proof of insurance. It’s a good idea to keep the paper even if you can access it on your phone.

Teen Driver Laws in Ohio

Ohio’s Probationary Driver Licensing program for teen drivers has several steps and a lot of requirements. This is designed to get new drivers on the road safely.

Here’s an overview of the stages of graduated licensing.

Ohio Teen Driver Licensing Stages
License TypeMinimum AgeRequirementsRestrictions
Temporary Instruction Permit15 years, 6 monthsPass knowledge test
Pass vision screening
Under 15: must have parent, guardian, or instructor in passenger seat
Over 16: Must have a licensed driver 21 or over in passenger seat
May not drive between midnight-6 a.m. unless parent or guardian in vehicle
Probationary License16 yearsHold permit for 6 months
Complete driver ed with 24 hours of classroom time and 8 hours of in vehicle instruction
Complete 50 hours of practice, 10 of which are at night
First 12 months:
-no driving between midnight-6 a.m. unless accompanied by a parent or guardian, or for pre-approved reasons
-no more than one non-family passenger
After 12 months:
-night driving restrictions change to 1-5 a.m.
Full License18 yearsNo violations during probationary periodNone
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No driver in the probationary license period can use a cell phone while driving.

Older Driver License Renewal Procedures

All drivers in Ohio follow the same renewal procedures regardless of age.

The renewal cycle is every four years, and no matter how old you are, you will need to go into the BMV office to pass a vision test and complete the renewal process.

New Residents

If you’re new to Ohio, you have 30 days to get an Ohio license and register your vehicles in Ohio.

If you are not yet licensed, or your out-of-state license expires, you will need to pass a test to get an Ohio license, but if you have a valid license from another state, you can simply exchange it.

That can be done at any deputy registrar licensing location.

Don’t forget to bring your current license or other ID, proof of legal presence in the United States, and proof of Ohio residency.

License Renewal Procedures

Ohio requires all drivers to renew their licenses every four years. There is no option for renewing either online or by mail; all renewals must be done in person.

At the BMV, you will need to take a vision test and pay the renewal fee to complete it.

If you are under 21, your license will expire on your 21st birthday. You won’t be able to renew more than 30 days in advance, so plan to visit the BMV during that window to process your renewal.

Negligent Operator Treatment System

Ohio uses a points system to track driver violations. Points in varying amounts will be placed on your license for every offense, with increasing points for serious violations.

When you reach a total of six points in two years, a warning letter will be sent out. Twelve points in two years will result in penalties. You will need to:

  • Serve a six-month suspension.
  • Complete a remedial driving course
  • File a certificate of insurance (SR-22/bond)
  • Pay a reinstatement fee.
  • Retake the complete driver license exam

On top of all that, you can expect your car insurance rates to climb quite a bit and likely require high-risk coverage.

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Ohio Rules of the Road

Ohio’s rules of the road make sure everyone is safe and responsible when driving.

Fault Vs. No-Fault

Ohio’s insurance system uses fault to determine which insurance company pays out for damages. This means that your liability coverage will pay for the other driver’s damages and any injuries if you’re at fault.

When your liability limits are met and exceeded, you will be responsible for the remaining damages.

In a fault state, carrying liability limits that are too low is a hazardous move. You can be sued, and your assets put at risk if you don’t have enough coverage.

Ohio is a comparative negligence state that affects how much can be collected in a claim or lawsuit. If you’re more than 50 percent at fault, you can’t recover any damages.

If you are less than 50 percent at fault, you can recover damages minus the percentage of your fault. Here’s how that works: if you’re 20 percent at fault, you can recover 80 percent of your costs, so in a $100,000 claim, you’d get $80,000.

If you’re at “no-fault,” you can recover all of your damages from the at-fault party.

Seat Belt and Car Seat Laws

Ohio’s seat belt law requires that everyone is buckled in a seat belt when driving or riding in the front passenger seat.

For passengers under the age of 16, car seat laws apply:

  • Children ages four and under or under 40 lbs must be restrained in an appropriate car seat that meets federal standards.
  • Children over four must be in a car seat or booster seat until they turn eight years old or reach 4’9″ in height.
  • Children ages eight to 15 must be buckled in a safety seat or with a seat belt.

There is no rule about whether children should be in the back seat.

However, the American Academy of Pediatrics recommends it and several other car seat recommendations that every parent should know.

Ohio law also prohibits people 15 and under from riding in the back of a pickup truck’s uncovered cargo area. It’s only allowed when there is an OEM seat with a belt, or if it moves at less than 25 miles per hour.

Keep Right and Move Over Laws

It’s illegal in Ohio to travel in the left lane of a multi-lane road if you are traveling under the speed limit. Passing on the right is only allowed in specific circumstances.

You’re also required to change lanes if safe to do so and slow down when passing a stationary emergency vehicle with its lights on; this includes tow trucks and waste management vehicles.

Speed Limits

Below are the speed limits in Ohio.

Ohio Speed Limits
Type of RoadSpeed Limit
Rural Interstate70
Urban Interstate65
Other Limited Access Roads70
Other Roads 55
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Bear in mind that they can change in various locations, including construction zones – always follow the posted limit.

Ridesharing

Since 2015, Ohio has had laws mandating insurance coverage for rideshare drivers working for companies like Uber or Lyft. The law considers three separate periods in which a driver is considered to be engaged in commercial activities, and therefore not covered by a personal auto policy.

Period One: the app is on, and the driver is seeking a customer. During this time, the driver must carry a minimum of $50,000 per person and $100,000 per incident in bodily injury coverage and $25,000 in property damage coverage.

Period Two and Three: the driver has accepted a passenger but not yet picked them up, and when a passenger is in the vehicle. During this time, $1,000,000 in liability provided by the rideshare company must be in place.

During all of these periods, the rideshare company’s coverage is considered primary.

While you can continue to use a personal insurance policy when you aren’t driving for a company, it’s vital to know that the company is within its rights to drop you as a customer if they find out you’re a rideshare driver.

That’s why it’s best to have your insurance with a company that provides a rideshare endorsement or specific policy.

Currently, these companies provide that coverage in Ohio:

  • Erie Insurance
  • Geico
  • Allstate
  • State Farm
  • Farmers
  • USAA

Automation on the Road

Automated cars may well be the future, but in Ohio, they are only allowed on the road for testing purposes.

Operators must be licensed, and liability insurance is required at all times.

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Ohio Safety Laws

These laws penalize drivers who risk the lives of others with dangerous driving habits.

Ohio Driving Under the Influence Laws

In Ohio, driving under the influence is legally known as Operating a Vehicle Under the Influence (OVI), and depending on the offense, it may be a misdemeanor or a felony.

Ohio DUI (OVI) Laws
OffenseClassificationLicense SuspensionImprisonmentFineOther Penalties
1st Offense1st degree misdemeanor6 months to 3 years and 15 days3 days to 6 months, suspended if court grants driving privilege with IID$250-$1,075 plus $475 license reinstatement fee6 points on record
Optional treatment program
Optional restricted plates
Up to 5 years probation
2nd Offense1st degree misdemeanor1-7 years, no driving for 45 days10 days jail or 5 days jail plus 18 days house arrest, up to 6 months in jail$350-$1625 plus $475 license reinstatement Up to 5 years probation
Restricted plates
Mandatory treatment
IID required
90-day vehicle immobilization
6 points on license
3rd OffenseMisdemeanor1-12 years, no driving for 120 days30 days in jail or 15 days in jail and 55 days house arrest, up to 1 year in jail$350-$2750 plus $475 license reinstatement feeUp to 5 years probation
Mandatory addiction program
Restricted plates required
IID required
Possible forfeiture of vehicle registered to offender
6 points on license
4th Offense in 6 yearsFourth degree felony3 years to life60 days to 30 monthsUp to $10,000Mandatory IID
Restricted plates
Mandatory treatment program
5th or more in any time periodThird degree felony3 years to life120 days to five yearsUp to $10,000Forfeiture of vehicle
Mandatory IID
Restricted plates
Mandatory treatment
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Any OVI charge for an accident in which someone was injured or killed can be prosecuted as a first-degree felony and may result in a minimum sentence of 10 years.

Ohio Marijuana Driving Laws

The use of medical marijuana is legal in Ohio, while in neighboring Michigan, it’s legal for recreational use. But driving while impaired by marijuana can result in an OVI charge.

The legal limit for THC in Ohio is two nanograms per milliliter in the blood and ten nanograms per milliliter in the urine.

Police can also administer a field sobriety test to determine whether a driver is intoxicated. You will have to have a doctor’s letter showing that you have legal access to medical marijuana if you have it in your system.

If you have higher than allowed amounts in your blood or urine or fail the sobriety test, you can be charged and face the same penalties as an alcohol-impaired driver.

Ohio Distracted Driving Laws

In Ohio, there is no ban on cell phone use while driving, except for these circumstances:

  • Any driver under 18 cannot use a cell phone in any capacity.
  • Texting is illegal for any driver of any age.

That said, law enforcement can use the general distracted driving law, which carries a fine of $100 for any driver whose distraction contributes to another violation.

For example, if you run a stop sign while on the phone, it could be determined that your phone call contributed to your missing the sign and compounding the violation.

Any activity that distracts from driving the vehicle can result in a fine. So keep your eyes on the road, Ohio!

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Ohio Need-To-Know Facts

Ohio laws are meant to keep people safe on the road, but unfortunately, there are always those that don’t obey them.

The risks out there are real, but it can be hard to get a feel for how everyday things like stolen cars are, or what the statistics are on serious crashes in Ohio. A straightforward look at the numbers would make it a lot easier to understand.

We’ll bring you everything you need to know about the risks to your property and your safety.

Below you’ll find precise numbers for vehicle theft, fatal crashes and what causes them, and even how Ohio’s traffic compares to other states.

Vehicle Theft in Ohio

Which vehicles attract thieves in Ohio? Take a look at the top ten most stolen cars in the state.

Ohio Most Stolen Vehicles
Make and ModelMost Commonly Stolen Model YearTotal Thefts (All Model Years)
Dodge Caravan2003679
Chevrolet Pickup (Full Size)1999579
Ford Pickup (Full Size)2004540
Jeep Cherokee/Grand Cherokee2000467
Chevrolet Impala2007441
Honda Accord1997437
Chevrolet Malibu2015343
Honda Civic2000325
Toyota Camry2014308
Dodge Pickup (Full Size)2005297
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The FBI’s crime statistics provide us with a breakdown of car theft by the city. You can search the table for your hometown below.

Ohio Vehicle Theft By City
CityMotor
Vehicle
Theft (2017)
Ada1
Addyston1
Akron755
Albany0
Alliance41
Amberley Village0
Amelia3
American Township11
Amherst3
Archbold1
Ashland5
Ashville4
Athens19
Aurora2
Austintown21
Avon Lake6
Bainbridge Township0
Baltimore1
Barberton41
Barnesville1
Batavia4
Bath Township, Summit County2
Bazetta Township0
Beavercreek49
Beaver Township5
Bedford32
Bedford Heights350
Bellaire0
Bellbrook0
Bellefontaine5
Bellville1
Belpre5
Berea8
Bethel2
Bexley15
Blanchester5
Blue Ash7
Bluffton1
Bowling Green15
Brecksville1
Bridgeport5
Brimfield Township9
Broadview Heights5
Brooklyn334
Brookville35
Brunswick11
Brunswick Hills Township2
Bucyrus6
Butler Township24
Byesville3
Cambridge36
Campbell6
Canal Fulton2
Canfield0
Canton246
Cardington0
Carey0
Carlisle0
Carroll Township0
Centerville16
Chagrin Falls0
Chardon31
Chester Township0
Cheviot21
Chillicothe52
Cincinnati1,485
Circleville28
Clayton9
Clay Township, Montgomery County1
Clearcreek Township3
Cleveland3,395
Cleveland Heights99
Clyde3
Coitsville Township4
Coldwater0
Colerain Township85
Columbiana0
Columbus4,176
Commercial Point1
Copley Township6
Cortland1
Covington0
Crestline5
Creston2
Cuyahoga Falls39
Dayton616
Deer Park3
Defiance20
Delaware22
Delhi Township26
Delphos31
Dennison1
Dover5
Dublin20
East Cleveland150
Eastlake10
East Palestine2
Elyria56
Englewood12
Euclid131
Evendale7
Fairborn53
Fairfax2
Fairfield51
Fairfield Township8
Fairview Park7
Felicity1
Findlay38
Forest Park20
Frazeysburg0
Fredericktown0
Fremont316
Gahanna27
Galion5
Gallipolis9
Gates Mills2
Georgetown3
Germantown4
German Township, Montgomery County2
Glouster1
Goshen Township, Clermont County15
Goshen Township, Mahoning County5
Grafton40
Granville2
Greenfield21
Greenhills1
Green Township56
Greenville21
Grove City56
Groveport12
Hamilton2
Harrison9
Hartville0
Heath28
Highland Heights34
Hilliard36
Hillsboro11
Hinckley Township1
Holland4
Howland Township20
Hubbard1
Hubbard Township7
Huber Heights52
Hudson2
Huron0
Independence2
Indian Hill3
Ironton15
Jackson3
Jackson Township, Mahoning County0
Jackson Township, Stark County18
Jamestown4
Johnstown3
Kent17
Kenton13
Kettering52
Kirtland0
Kirtland Hills30
Lakewood78
Lancaster88
Lawrence Township6
Lexington0
Liberty Township14
Lima79
Lisbon1
Lithopolis0
Lockland19
Logan14
London13
Lorain94
Lordstown3
Loudonville1
Louisville3
Loveland7
Lyndhurst11
Macedonia3
Madison Township, Franklin County7
Madison Township, Lake County2
Magnolia1
Mansfield78
Mariemont32
Marietta16
Marion30
Martins Ferry6
Mason5
Maumee9
Mayfield Heights6
McArthur3
McConnelsville2
Mechanicsburg1
Medina0
Medina Township5
Mentor23
Mentor-on-the-Lake6
Miamisburg7
Miami Township, Clermont County19
Miami Township, Montgomery County43
Middlefield30
Middleport1
Middletown180
Milford11
Millersburg1
Milton Township2
Minerva3
Mogadore31
Monroe7
Montgomery5
Montpelier6
Montville Township0
Moreland Hills0
Mount Healthy23
Mount Orab8
Mount Vernon7
Munroe Falls0
Napoleon3
Navarre1
Nelsonville6
New Albany4
New Boston11
Newcomerstown36
New Concord0
New Franklin4
New Lebanon3
New Lexington8
New Middletown2
New Philadelphia4
New Richmond3
Newton Falls6
Newtown0
New Vienna3
North Baltimore1
North Canton8
North College Hill26
Northfield3
North Olmsted32
North Ridgeville4
Norton11
Norwood56
Oak Harbor0
Oak Hill0
Oberlin2
Olmsted Falls3
Olmsted Township2
Ontario1
Oregon22
Orrville6
Ottawa1
Ottawa Hills4
Owensville1
Oxford46
Oxford Township5
Parma74
Peninsula1
Pepper Pike0
Perrysburg1
Perrysburg Township7
Perry Township, Columbiana County0
Perry Township, Franklin County2
Pickerington16
Pierce Township5
Pioneer2
Piqua18
Poland Township0
Poland Village2
Port Clinton13
Portsmouth69
Powell1
Reading7
Reminderville1
Reynoldsburg35
Richmond Heights23
Ripley3
Rittman8
Roseville4
Ross Township3
Russells Point0
Russell Township0
Sabina0
Sagamore Hills1
Salem4
Salineville0
Sandusky39
Sebring5
Seven Hills3
Sharon Township1
Shawnee Township3
Sheffield Lake8
Shelby3
Sidney19
Solon11
South Bloomfield3
South Charleston4
South Euclid35
South Point33
South Russell0
South Zanesville1
Springboro2
Springfield293
Springfield Township, Hamilton County48
Springfield Township, Mahoning County4
Springfield Township, Summit County28
St. Clairsville0
St. Clair Township0
Steubenville22
St. Marys6
Stow4
Strasburg0
Streetsboro10
Strongsville25
Struthers10
Sugarcreek Township5
Swanton4
Sylvania7
Sylvania Township38
Tallmadge312
Tiffin34
Tipp City10
Toledo4, 5, 6745
Toronto1
Trotwood145
Troy8
Twinsburg3
Uhrichsville11
Uniontown6
Union Township, Clermont County16
University Heights15
Upper Arlington7
Upper Sandusky3
Urbana13
Utica1
Valley View, Cuyahoga County36
Vandalia25
Van Wert6
Vermilion1
Village of Leesburg2
Wadsworth4
Waite Hill0
Walton Hills31
Wapakoneta2
Warren106
Warren Township14
Washington Court House10
Waterville0
Wauseon4
Waverly1
Wellston5
West Carrollton21
West Chester Township44
Westerville17
West Jefferson2
West Lafayette0
Westlake15
West Union5
Whitehall81
Wickliffe8
Willard11
Williamsburg2
Willoughby18
Wilmington11
Windham2
Wintersville2
Woodlawn5
Woodmere Village5
Wooster37
Worthington13
Wyoming2
Xenia34
Yellow Springs5
Youngstown232
Zanesville57
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Road Dangers in Ohio

A total of 1,179 lives were lost in Ohio car crashes in 2017. What dangers on the road contributed to those crashes?

There are several factors, both within and out of the driver’s control, in a fatal crash. We’ve gathered statistics from the National Highway Traffic Safety Administration (NHTSA) to break it down.

Fatal Crashes By Weather and Light Conditions

The majority of crashes happened in average weather conditions, and of those, more than half were in daylight.

Ohio Fatal Crashes By Light and Weather Conditions
Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal507172237421959
Rain3621284190
Snow/Sleet124121029
Other1172011
Unknown003025
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Fatal Crashes By County

The numbers below break down the number of fatal crashes in each county.

Ohio Fatal Crashes By County
CountyFatal Crashes (2017)
Adams County0
Allen County2
Ashland County2
Ashtabula County6
Athens County1
Auglaize County0
Belmont County2
Brown County0
Butler County5
Carroll County0
Champaign County1
Clark County1
Clermont County1
Clinton County1
Columbiana County0
Coshocton County1
Crawford County1
Cuyahoga County34
Darke County0
Defiance County2
Delaware County0
Erie County2
Fairfield County0
Fayette County3
Franklin County8
Fulton County0
Gallia County2
Geauga County1
Greene County2
Guernsey County4
Hamilton County17
Hancock County2
Hardin County1
Harrison County1
Henry County1
Highland County1
Hocking County1
Holmes County1
Huron County1
Jackson County2
Jefferson County3
Knox County2
Lake County2
Lawrence County2
Licking County9
Logan County1
Lorain County8
Lucas County7
Madison County3
Mahoning County5
Marion County0
Medina County5
Meigs County1
Mercer County1
Miami County3
Monroe County1
Montgomery County13
Morgan County2
Morrow County2
Muskingum County4
Noble County0
Ottawa County0
Paulding County0
Perry County1
Pickaway County2
Pike County3
Portage County2
Preble County5
Putnam County2
Richland County3
Ross County0
Sandusky County1
Scioto County0
Seneca County0
Shelby County3
Stark County10
Summit County10
Trumbull County2
Tuscarawas County10
Union County0
Van Wert County0
Vinton County1
Warren County2
Washington County5
Wayne County3
Williams County1
Wood County2
Wyandot County0
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Traffic Fatalities Rural Vs. Urban

Fatal crashes were split relatively evenly between rural and urban locations in 2017.

Five hundred fifty-two fatalities were in rural areas, while 620 were in urban areas.

Fatalities By Person Type

The largest number of fatalities involved occupants of passenger cars are listed in the data below.

Ohio Fatal Crashes By Person Type
Type2017 Fatalities
Passenger Car545
Light Truck145
Motorcyclist157
Bicyclist/other cyclist19
Pedestrian142
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Fatalities By Crash Type

A majority of fatal crashes in 2017 involved a single vehicle, and a large number also included a roadway departure.

Ohio Fatalities By Crash Type
Crash Type2017
Single Vehicle641
Involving a Large Truck164
Involving Speeding252
Involving a Rollover254
Involving a Roadway Departure670
Involving an Intersection (or Intersection Related)327
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Five-Year Trend For The Top Ten Counties

While the general trend has been an increase in fatal crashes over the past five years, a few counties saw a decrease from 2016 to 2017.

Ohio 5-year Trend Traffic Fatalities, Top Ten Counties
County20132014201520162017
Cuyahoga County5646758295
Franklin County7674859488
Hamilton County3849546258
Lucas County3441343549
Montgomery County5542566049
Summit County2932254147
Lorain County1410343833
Stark County2644193233
Butler County1929292331
Licking County1419232030
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Fatalities Involving Speeding By County

Speeding is risky behavior, and there were 252 speeding-related fatalities in 2017. Here’s how that number breaks down by county.

Ohio Speeding Fatalities By County
County2017 Speeding Fatalities
Adams County0
Allen County2
Ashland County2
Ashtabula County6
Athens County1
Auglaize County0
Belmont County2
Brown County0
Butler County5
Carroll County0
Champaign County1
Clark County1
Clermont County1
Clinton County1
Columbiana County0
Coshocton County1
Crawford County1
Cuyahoga County34
Darke County0
Defiance County2
Delaware County0
Erie County2
Fairfield County0
Fayette County3
Franklin County8
Fulton County0
Gallia County2
Geauga County1
Greene County2
Guernsey County4
Hamilton County17
Hancock County2
Hardin County1
Harrison County1
Henry County1
Highland County1
Hocking County1
Holmes County1
Huron County1
Jackson County2
Jefferson County3
Knox County2
Lake County2
Lawrence County2
Licking County9
Logan County1
Lorain County8
Lucas County7
Madison County3
Mahoning County5
Marion County0
Medina County5
Meigs County1
Mercer County1
Miami County3
Monroe County1
Montgomery County13
Morgan County2
Morrow County2
Muskingum County4
Noble County0
Ottawa County0
Paulding County0
Perry County1
Pickaway County2
Pike County3
Portage County2
Preble County5
Putnam County2
Richland County3
Ross County0
Sandusky County1
Scioto County0
Seneca County0
Shelby County3
Stark County10
Summit County10
Trumbull County2
Tuscarawas County10
Union County0
Van Wert County0
Vinton County1
Warren County2
Washington County5
Wayne County3
Williams County1
Wood County2
Wyandot County0
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Fatalities in Crashes Involving an Alcohol-Impaired Driver

Crashes involving alcohol claimed a total of 333 lives in Ohio in 2017. Here is the breakdown of impaired driving fatalities by county.

Ohio DUI Fatalities by County
CountyDUI-related Fatalities (2017)
Adams County0
Allen County5
Ashland County2
Ashtabula County5
Athens County0
Auglaize County0
Belmont County2
Brown County0
Butler County9
Carroll County1
Champaign County2
Clark County2
Clermont County2
Clinton County1
Columbiana County3
Coshocton County1
Crawford County1
Cuyahoga County32
Darke County2
Defiance County3
Delaware County3
Erie County1
Fairfield County4
Fayette County3
Franklin County27
Fulton County1
Gallia County3
Geauga County2
Greene County5
Guernsey County3
Hamilton County22
Hancock County1
Hardin County0
Harrison County0
Henry County4
Highland County1
Hocking County0
Holmes County0
Huron County1
Jackson County2
Jefferson County1
Knox County3
Lake County7
Lawrence County1
Licking County10
Logan County1
Lorain County10
Lucas County18
Madison County1
Mahoning County8
Marion County2
Medina County4
Meigs County3
Mercer County3
Miami County1
Monroe County1
Montgomery County20
Morgan County1
Morrow County2
Muskingum County0
Noble County0
Ottawa County2
Paulding County0
Perry County0
Pickaway County5
Pike County1
Portage County3
Preble County1
Putnam County1
Richland County4
Ross County0
Sandusky County2
Scioto County0
Seneca County6
Shelby County5
Stark County10
Summit County9
Trumbull County2
Tuscarawas County8
Union County0
Van Wert County0
Vinton County1
Warren County5
Washington County4
Wayne County2
Williams County0
Wood County4
Wyandot County0
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Teen Drinking and Driving

Teens, cars, and alcohol are a dangerous combination. Here’s how Ohio stacks up compared to the rest of the country for teen drinking and driving.

Ohio Teen Drinking and Driving
DUI StatisticsOhioNational Average
Teen DUI Arrests (under 18)84102.82
DUI Fatalities (under 21) per 100,000 population0.91.2
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Ohio ranks below the national average for both teen DUI arrests and DUI fatalities involving drivers under 21.

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EMS Response Time

The average response time for emergency medical service to urban and rural fatal crashes differs quite a bit, which is typical.

Ohio EMS Response Time
EMS ResponseTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural6.9711.47 39.3354.17
Urban4.67 6.63 25.68 36.07
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Transportation in Ohio

From the city streets to the rural roads, Ohioans love their cars and depend on them to get around. Here are the stats on getting around in Ohio from DataUSA.

Car Ownership

More than 40 percent of Ohioans own two vehicles, which is a little above the national average.

Ohio is just above the national average for three-car households, too.

Commute Time

Commute time in Ohio is, on average, a little below the national average of 25.3 minutes. Ohioans face an average daily commute of 22.4 minutes.

Ohio does come in above average for commutes between 35-39 minutes, but it’s a small part of the state’s population.

Commuter Transportation

About 83.1 percent of Ohio commuters drive alone to work.

Ohioan’s carpool at a rate a little below the national average.

Traffic Congestion in Ohio

Columbus is the worst city in Ohio for traffic according to several sources.

Inrix ranks Columbus, Ohio, as the 25th most congested city in the United States and 135th in the world.

According to their data, drivers in Columbus spend an average of 71 hours in congestion each day.

Over at TomTom, Columbus ranks 50th. Drivers average 16 percent more travel time due to congestion. The morning commute adds 26 percent more travel time, while the evening slows drivers down, adding an average of 45 percent.

An eight percent increase in travel time is seen on the highways, and 25 percent on non-highways.

That’s a lot of time spent in traffic. Fortunately, you don’t have to spend a lot of time getting car insurance quotes.

Are you ready to compare Ohio car insurance companies right now? Enter your ZIP code below right now to get rates.

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Frequently Asked Questions: Ohio Car Insurance

For the final section of this guide, we’ll provide the answers to frequently asked questions that appear on search engines across the internet.

#1 – Who has the cheapest car insurance in Ohio?

Grange car insurance is the cheapest car insurance in Ohio.

#2 – What should my car insurance cost?

The national average cost of car insurance is $1,427/year or $119/month.

#3 – How much is car insurance in Ohio?

You can pay as low as $51 per month for liability-only car insurance in Ohio.

#4 – What is the minimum car insurance in Ohio?

The minimum insurance requirements in Ohio are $25,000 for bodily injury of one person per accident, $50,000 for bodily injury of multiple people per accident, and $25,000 for property damage per accident.

#5 – How much is impaired driving insurance rates in Ontario, Ohio?

You could pay 58 percent more for car insurance with a DUI on your driving record in Ohio. The estimated cost for impaired driving insurance rates in Ontario, Ohio is $1,658.

#6 – What are the worst insurance companies?

According to Consumer Report, the worst-rated companies in insurance is Mercury, Esurance, and Nationwide.