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|Ohio Statistics Summary||Details|
|Roadway Miles||Road Miles in State: 122,926|
Vehicle Miles Driven: 113.7 billion
Vehicle Thefts: 18,015
|Most Popular Vehicle||Honda Civic|
State Rank: 22nd
|Traffic Fatalities||Total: 1,179|
|Average Insurance Premiums||Liability $397.11|
|Cheapest Provider||USAA and American Family|
Those who call Ohio home are loyal and true – to their Buckeyes, to their Browns, their Bengals, and even to the state itself; only Ohioans are allowed to make fun of Ohio.
Whether you live in one of the three C’s or any of Ohio’s other cities or towns, everyone can agree that it’s far better than living in Michigan.
In the Buckeye State, the name doesn’t just refer to the tree or even the team, but what everyone knows is really the best peanut butter and chocolate candy around – move over Reese’s.
Unless you’re a part of the big Amish population that calls Ohio home, you need car insurance. Switching to a horse-drawn buggy might seem like an appealing option when you think about the time-consuming search for the best auto insurance in Ohio.
There has to be a better way to get the coverage you need without spending hours comparing coverage options and calling for rate quotes, right?
There is, and fortunately, you have found it. We have everything you need to know about Ohio auto insurance right here.
Read on to learn all about your coverage requirements and options, insurance companies and their rates, and the rules every driver in Ohio needs to know.
And if you’re ready to get those quotes without the hassle, you can just enter your zip code above and we’ll do the rest.
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 covered properly, 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 as well as options, and provided rate comparisons to give you an idea of what to expect. This complete guide to Ohio auto insurance will get you ready for the road.
– Ohio Minimum Coverage
Insurance in Ohio is required in order to make sure that everyone is able to 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.
Here’s what the law requires in Ohio.
|Coverage Type||Legal Minimum|
|Bodily Injury Liability||$25,000 per person|
$50,000 per incident
|Property Damage Liability||$25,000|
Of course, you can choose to carry a lot more coverage than the minimums, and it’s a really good idea to do so. These limits, however, will keep you on the right side of the law.
– Forms of Financial Responsibility
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 in the amount of 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 you are driving, so whether you choose insurance or an alternative, make sure that’s with the car.
– Premiums 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, which is the money you have left to spend after taxes, 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.
|Premiums As a Percentage of Income||2012 Disposable Income||2012 Average Premium||2012 Percentage||2013 Disposable Income||2013 Average Premium||2013 Percentage||2014 Disposable Income||2014 Average Premium||2014 Percentage|
Neighboring Indiana fares about the same, with an average of two percent of income spent on car insurance.
To the east, Pennsylvanians spend more, averaging 2.24 percent in 2014.
– Core Coverage in Ohio
A full coverage policy is made up of three basic components – your core coverage.
|Coverage Type||Ohio Average (2015)||National Average (2015)|
In Ohio, average rates for core coverage compare favorably with the national average; they are lower in every category.
– Additional Liability
In addition to the liability you are required by law to carry, there are some additional options you can add 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 and from those who aren’t able to cover the cost of an accident for which they are found at fault.
12.40 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, which is difficult to quantify since it really 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 serious accident involving injuries.
The second type of additional liability you will be offered in Ohio is Medical Payments (Med Pay). This is a coverage that 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 insurance companies are paying out on these two coverage options compared to the premiums they collect for the coverage.
|Type of Coverage||Ohio Loss Ratio (2015)||National Average Loss Ratio (2015)|
Ohio’s Medical Payments loss ratio is pretty close to the national average, while for UM/UIM, the loss ratio is far enough below to raise the question of whether companies in the Buckeye State are paying enough claims.
– 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 a number of companies do offer usage-based insurance in Ohio, so far the few companies writing pay-per-mile insurance only offer that plan in a handful of states – and Ohio isn’t one of them.
– Demographic Rates: Male Vs. Female By Age
Age and gender are two of the factors that have an impact on rates in Ohio. Teen drivers pay the highest rates, and in general, males are a little more expensive than females to insure at age 17.
Rates drop quickly from age 25 on, and the gender gap closes – even in some cases reversing.
|Company||Married 35-year old female||Married 35-year old male||Married 60-year old female||Married 60-year old male||Single 17-year old female||Single 17-year old male||Single 25-year old female||Single 25-year old male|
|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|
|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|
|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|
– Cheapest Rates By Zip Code
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. Sometimes they’re very different.
|25 Most Expensive Zip Codes in Ohio||City||Average by Zip Code||Most Expensive Company||Most Expensive Rate||2nd Most Expensive Company||2nd Most Expensive Rate||Cheapest Company||Cheapest Rate||2nd Cheapest Company||2nd Cheapest Rate|
|43224||COLUMBUS||$3,667.48||Progressive||$5,629.87||Liberty Mutual||$5,580.27||USAA||$1,677.82||American Family||$1,735.02|
|43608||TOLEDO||$3,629.84||Liberty Mutual||$5,604.95||Farmers||$4,702.48||USAA||$1,752.21||American Family||$1,917.02|
|43211||COLUMBUS||$3,608.65||Liberty Mutual||$5,580.27||Progressive||$5,260.21||USAA||$1,602.45||American Family||$1,820.61|
|43610||TOLEDO||$3,603.68||Liberty Mutual||$5,604.95||Farmers||$4,702.66||USAA||$1,752.21||American Family||$1,916.61|
|43620||TOLEDO||$3,562.98||Liberty Mutual||$5,604.95||Farmers||$4,675.36||USAA||$1,752.21||American Family||$1,894.20|
|45225||CINCINNATI||$3,553.80||Liberty Mutual||$5,279.24||Progressive||$5,142.08||USAA||$1,615.82||American Family||$1,879.15|
|45214||CINCINNATI||$3,546.86||Liberty Mutual||$5,279.24||Progressive||$4,932.49||USAA||$1,773.59||American Family||$1,914.64|
|44510||YOUNGSTOWN||$3,534.06||Liberty Mutual||$5,196.76||Farmers||$4,590.33||American Family||$1,776.30||USAA||$1,871.55|
|44104||CLEVELAND||$3,529.50||Liberty Mutual||$5,411.26||Progressive||$4,557.19||USAA||$1,623.13||American Family||$1,841.35|
|44502||YOUNGSTOWN||$3,525.99||Liberty Mutual||$5,196.76||Farmers||$4,548.25||American Family||$1,769.59||USAA||$1,871.55|
|43604||TOLEDO||$3,517.76||Liberty Mutual||$5,604.95||Farmers||$4,431.29||USAA||$1,752.21||American Family||$1,854.68|
|44503||YOUNGSTOWN||$3,516.11||Liberty Mutual||$5,196.76||Farmers||$4,541.42||American Family||$1,769.59||USAA||$1,871.55|
|44504||YOUNGSTOWN||$3,514.38||Liberty Mutual||$5,196.76||Farmers||$4,585.91||American Family||$1,623.63||USAA||$1,871.55|
|45205||CINCINNATI||$3,513.17||Liberty Mutual||$5,279.24||Progressive||$4,572.49||USAA||$1,773.59||American Family||$1,896.43|
|43203||COLUMBUS||$3,511.66||Liberty Mutual||$5,580.27||Progressive||$4,524.21||USAA||$1,602.45||American Family||$1,832.09|
|43609||TOLEDO||$3,508.26||Liberty Mutual||$5,604.95||Farmers||$4,427.34||USAA||$1,632.21||American Family||$1,854.68|
|43219||COLUMBUS||$3,507.34||Liberty Mutual||$5,580.27||Progressive||$4,346.93||USAA||$1,485.99||American Family||$1,788.00|
|44506||YOUNGSTOWN||$3,500.25||Liberty Mutual||$5,196.76||Farmers||$4,531.75||American Family||$1,764.69||USAA||$1,871.55|
|44507||YOUNGSTOWN||$3,497.59||Liberty Mutual||$5,196.76||Farmers||$4,608.03||American Family||$1,779.08||USAA||$1,871.55|
|43612||TOLEDO||$3,496.23||Liberty Mutual||$5,604.95||Farmers||$4,371.09||USAA||$1,690.58||American Family||$1,827.44|
|43605||TOLEDO||$3,483.76||Liberty Mutual||$5,604.95||Farmers||$4,343.36||American Family||$1,663.32||USAA||$1,690.58|
|45219||CINCINNATI||$3,477.52||Liberty Mutual||$5,279.24||Farmers||$4,641.51||USAA||$1,713.89||American Family||$1,879.84|
|44127||CLEVELAND||$3,472.34||Liberty Mutual||$5,411.26||Farmers||$4,386.64||USAA||$1,623.13||American Family||$1,821.20|
|44103||CLEVELAND||$3,469.12||Liberty Mutual||$5,411.26||Farmers||$4,241.90||USAA||$1,623.13||American Family||$1,841.35|
|43205||COLUMBUS||$3,462.57||Liberty Mutual||$5,580.27||Progressive||$4,216.52||USAA||$1,547.76||American Family||$1,781.09|
The highest zip code rates do tend to be in parts of Ohio’s bigger cities such as Columbus, Toledo, and Cincinnati.
|25 Least Expensive Zip Codes in Ohio||City||Average by Zip Codes||Most Expensive Company||Most Expensive Rate||2nd Most Expensive Company||2nd Most Expensive Rate||Cheapest Company||Cheapest Rate||2nd Cheapest Company||2nd Cheapest Rate|
|44883||TIFFIN||$2,325.38||Liberty Mutual||$3,357.16||Nationwide||$2,831.42||USAA||$1,301.36||American Family||$1,360.24|
|45840||FINDLAY||$2,340.63||Liberty Mutual||$3,357.16||Nationwide||$2,970.73||USAA||$1,357.45||American Family||$1,374.49|
|44861||OLD FORT||$2,355.45||Liberty Mutual||$3,357.16||Farmers||$3,101.73||USAA||$1,301.36||American Family||$1,362.16|
|45816||BENTON RIDGE||$2,360.76||Liberty Mutual||$3,357.16||Nationwide||$2,970.73||American Family||$1,272.61||USAA||$1,357.45|
|44820||BUCYRUS||$2,362.24||Liberty Mutual||$3,357.16||Progressive||$2,961.66||American Family||$1,346.67||USAA||$1,380.40|
|44830||FOSTORIA||$2,366.68||Liberty Mutual||$3,357.16||Progressive||$2,942.53||USAA||$1,301.36||American Family||$1,332.01|
|43351||UPPER SANDUSKY||$2,367.88||Liberty Mutual||$3,357.16||Farmers||$2,847.94||American Family||$1,329.32||USAA||$1,380.40|
|44809||BASCOM||$2,376.36||Liberty Mutual||$3,357.16||Farmers||$3,205.79||USAA||$1,301.36||American Family||$1,317.91|
|43330||KIRBY||$2,377.02||Liberty Mutual||$3,357.16||Farmers||$3,022.97||American Family||$1,353.85||USAA||$1,380.40|
|44845||MELMORE||$2,377.03||Liberty Mutual||$3,357.16||Progressive||$3,100.88||USAA||$1,301.36||American Family||$1,329.07|
|45875||OTTAWA||$2,380.80||Liberty Mutual||$3,357.16||Nationwide||$2,970.73||American Family||$1,363.80||USAA||$1,380.40|
|44828||FLAT ROCK||$2,385.20||Liberty Mutual||$3,357.16||Farmers||$3,134.66||USAA||$1,301.36||American Family||$1,362.08|
|44802||ALVADA||$2,385.94||Liberty Mutual||$3,357.16||Nationwide||$2,970.73||American Family||$1,317.91||USAA||$1,357.45|
|44817||BLOOMDALE||$2,386.88||Liberty Mutual||$3,357.16||Nationwide||$3,032.81||American Family||$1,291.40||USAA||$1,357.45|
|44827||CRESTLINE||$2,389.32||Liberty Mutual||$3,357.16||Allstate||$2,935.13||American Family||$1,315.21||USAA||$1,380.40|
|45891||VAN WERT||$2,391.83||Liberty Mutual||$3,639.93||Nationwide||$2,910.25||USAA||$1,380.40||American Family||$1,434.97|
|43316||CAREY||$2,393.94||Liberty Mutual||$3,357.16||Farmers||$2,996.09||American Family||$1,353.85||USAA||$1,380.40|
|45815||BELMORE||$2,396.47||Liberty Mutual||$3,357.16||Nationwide||$2,970.73||American Family||$1,276.62||USAA||$1,380.40|
|44853||NEW RIEGEL||$2,396.49||Liberty Mutual||$3,357.16||Farmers||$3,084.43||USAA||$1,301.36||American Family||$1,385.92|
|45877||PANDORA||$2,397.00||Liberty Mutual||$3,357.16||Nationwide||$2,970.73||American Family||$1,317.31||USAA||$1,380.40|
|44844||MC CUTCHENVILLE||$2,404.82||Liberty Mutual||$3,357.16||Progressive||$3,045.60||American Family||$1,329.07||USAA||$1,380.40|
|45889||VAN BUREN||$2,406.02||Liberty Mutual||$3,357.16||Nationwide||$2,970.73||American Family||$1,272.61||USAA||$1,357.45|
|44836||GREEN SPRINGS||$2,408.82||Liberty Mutual||$3,357.16||Farmers||$3,170.31||USAA||$1,301.36||American Family||$1,362.16|
|43323||HARPSTER||$2,409.21||Liberty Mutual||$3,357.16||Farmers||$3,026.73||American Family||$1,329.32||USAA||$1,380.40|
|44854||NEW WASHINGTON||$2,409.32||Liberty Mutual||$3,357.16||Farmers||$3,064.02||American Family||$1,373.19||USAA||$1,380.40|
– Cheapest Rates by City
The tables below show which cities in Ohio have the most and least expensive rates.
|10 Most Expensive Cities in Ohio||Average by City||Most Expensive Company||Most Expensive Rate||2nd Most Expensive Company||2nd Most Expensive Rate||Cheapest Company||Cheapest Rate||2nd Cheapest Company||2nd Cheapest Rate|
|Youngstown||$3,471.04||Liberty Mutual||$5,116.26||Farmers||$4,491.06||American Family||$1,720.93||USAA||$1,834.62|
|Toledo||$3,462.84||Liberty Mutual||$5,528.64||Farmers||$4,373.06||USAA||$1,682.66||American Family||$1,747.29|
|Blacklick Estates||$3,449.06||Liberty Mutual||$5,580.27||Progressive||$4,254.54||American Family||$1,696.72||USAA||$1,699.83|
|Bexley||$3,433.05||Liberty Mutual||$5,580.27||Travelers||$4,212.62||USAA||$1,705.29||American Family||$1,776.08|
|Beachwood||$3,397.39||Liberty Mutual||$5,411.26||Farmers||$4,311.60||USAA||$1,623.13||American Family||$1,633.38|
|Ottawa Hills||$3,396.30||Liberty Mutual||$5,604.95||Nationwide||$4,141.77||USAA||$1,632.21||American Family||$1,664.03|
|Cleveland||$3,395.66||Liberty Mutual||$5,411.26||Farmers||$4,164.61||USAA||$1,622.29||American Family||$1,765.02|
|Columbus||$3,340.94||Liberty Mutual||$5,580.27||Travelers||$4,153.84||USAA||$1,551.12||American Family||$1,683.71|
|Bridgetown||$3,314.15||Liberty Mutual||$5,279.24||Progressive||$4,179.06||USAA||$1,710.83||American Family||$1,823.10|
|Cincinnati||$3,303.69||Liberty Mutual||$5,126.55||Progressive||$4,086.64||USAA||$1,617.73||American Family||$1,784.34|
Youngstown has the most expensive rate in Ohio. However, Youngstown’s rate is not that much higher than the rates for the cheapest cities.
|10 Least Expensive Cities in Ohio||Average by City||Most Expensive Company||Most Expensive Rate||2nd Most Expensive Company||2nd Most Expensive Rate||Cheapest Company||Cheapest Rate||2nd Cheapest Company||2nd Cheapest Rate|
|Bettsville||$2,325.38||Liberty Mutual||$3,357.16||Nationwide||$2,831.42||USAA||$1,301.36||American Family||$1,360.24|
|Findlay||$2,340.63||Liberty Mutual||$3,357.16||Nationwide||$2,970.73||USAA||$1,357.45||American Family||$1,374.49|
|Old Fort||$2,355.45||Liberty Mutual||$3,357.16||Farmers||$3,101.73||USAA||$1,301.36||American Family||$1,362.16|
|Benton Ridge||$2,360.75||Liberty Mutual||$3,357.16||Nationwide||$2,970.73||American Family||$1,272.61||USAA||$1,357.45|
|Bucyrus||$2,362.24||Liberty Mutual||$3,357.16||Progressive||$2,961.66||American Family||$1,346.67||USAA||$1,380.40|
|Fostoria||$2,366.68||Liberty Mutual||$3,357.16||Progressive||$2,942.53||USAA||$1,301.36||American Family||$1,332.01|
|Upper Sandusky||$2,367.88||Liberty Mutual||$3,357.16||Farmers||$2,847.94||American Family||$1,329.32||USAA||$1,380.40|
|Bascom||$2,376.36||Liberty Mutual||$3,357.16||Farmers||$3,205.79||USAA||$1,301.36||American Family||$1,317.91|
|Kirby||$2,377.02||Liberty Mutual||$3,357.16||Farmers||$3,022.97||American Family||$1,353.85||USAA||$1,380.40|
|Melmore||$2,377.03||Liberty Mutual||$3,357.16||Progressive||$3,100.88||USAA||$1,301.36||American Family||$1,329.07|
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 great 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 for you. 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 actually tell you whether or not 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 period of time. Most car insurance companies also write home insurance, which means all those hurricane home claims are draining the resources of the same company that insures 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?
So, financial stability matters! AM Best provides us with ratings that help determine how stable a company actually is.
|Company||AM Best Rating|
|State Farm Group||A++|
|Allstate Insurance Group||A+|
|Nationwide Corp Group||A+|
|Grange Mutual Casualty Group||A|
|Liberty Mutual Group||A|
|Erie Insurance Group||A+|
|American Family Insurance Group||A|
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 solid 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, a look at the ratings provided by J.D. Power, the most trusted name in consumer survey ratings.
J.D. Power ranks companies on a 1000-point scale and awards them a rating out of five.
USAA ranks the best on the scale, but since they are open only to military members and their families, J.D. Power doesn’t rank them.
The only one of the companies rated five out of five by J.D. Power is among the largest companies in Ohio – Erie Insurance. State Farm and Geico both earned above-average ratings as well.
The takeaway? The biggest car insurance companies aren’t always the best-rated. It’s always 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.
|Company||Number of Complaints (2015)||Complaint Ratio (to market share)|
|State Farm Group||132||0.54|
|Allstate Insurance Group||66||0.79|
|Nationwide Corp Group||28||0.55|
|Grange Mutual Casualty Group||46||1.12|
|Liberty Mutual Group||6||0.71|
|Erie Insurance Group||21||0.51|
|American Family Insurance Group||24||1.07|
Complaint ratios are the big number to look at here – you will note that although State Farm has the highest number of complaints, they also have 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.
A big number of complaints can cause something of a knee-jerk reaction, but it’s important to remember that it really depends on the size of the company.
– Cheapest Companies in Ohio
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.
|Company||Average||Compared to State Average ($)||Compared to State Average (%)|
|American Family Mutual||$1,515.17||-$1,314.00||-86.72%|
|Farmers Ins of Columbus||$3,423.01||$593.85||17.35%|
|Safeco Ins Co of IL||$4,429.74||$1,600.57||36.13%|
|State Farm Mutual Auto||$2,507.87||-$321.30||-12.81%|
|Discover Prop & Cas Ins Co||$3,135.16||$306.00||9.76%|
– 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 really pretty minimal, with the biggest difference seen at State Farm. Even there, it’s less than $125 a year difference.
Bottom line: your commute doesn’t have a big impact on what you pay for car insurance in Ohio.
|Company||10 Mile commute, 6000 miles annually||25-mile commute, 12,000 miles annualy|
– Coverage Level Rates By Company
The biggest reason drivers skip out on higher levels of coverage is that they think it’s not affordable. Take a look at the average rates below by coverage level and it quickly becomes clear that’s not the case.
At several companies, you can jump up 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 history can and does affect insurance rates, particularly if you have poor credit. According to Experian, the average credit score in Ohio for 2017 was 678. That’s a few points about the national average of 675.
Fair credit and above doesn’t show as much of a ding on your rates, but at some companies, 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.
– 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 a pretty good idea of what you can expect to pay for a speeding ticket, DUI, or an accident on your record.
|Company||Clean Record||With 1 Accident||With 1 Speeding Ticket||With 1 DUI|
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 biggest car insurance company in the nation.
Much of the list is comprised 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.
|Company||Direct Premiums Written||Market Share|
|State Farm Group||$1,316,297||19.69%|
|Allstate Insurance Group||$687,527||10.29%|
|Nationwide Corp Group||$536,768||8.03%|
|Grange Mutual Casualty Group||$344,399||5.15%|
|Liberty Mutual Group||$315,308||4.72%|
|Erie Insurance Group||$222,863||3.33%|
|American Family Insurance Group||$176,153||2.64%|
– Number of Insurers in Ohio
There are 138 domestic property & casualty insurance companies operating in Ohio; domestic in this case means the company is incorporated in Ohio.
Foreign insurers, on the other hand, are incorporated in another state. 851 such property & casualty companies are licensed in Ohio.
That adds up to a total of 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 as well as to 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 to just 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 really 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!
– Car Insurance Laws
Car insurance is regulated by Ohio laws, including how rates are determined and other details that apply both to companies and to you as a driver.
– How Ohio Laws For Car Insurance Are Determined
The Ohio Department of Insurance is in charge of regulation of 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 the law.
It’s the Ohio State Legislature that 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 of the areas 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 a special coverage available for glass repair and replacement that reduces or removes the deductible, but they’re not required by law to offer it. If it’s not available (or you don’t elect 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 will have to look to non-standard companies.
Non-standard insurance companies take on drivers 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 in the state. 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 certain 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.
– Low-Cost Insurance
Ohio already has lower insurance costs than many other states, so the state 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
Every insurance company in the state is required to have procedures in place for reporting suspected fraud.
A lot of people see insurance fraud, particularly what is known as “soft fraud” (like misrepresentation on an insurance application or padding a claim), as a victimless crime. Unfortunately, fraud costs insurance companies millions and that cost will be passed on to the consumers as rate increases.
Insurance fraud can be classified as a misdemeanor or a felony depending on the amount of money involved.
|Amount of Fraud||Classification||Fine||Jail Time|
|>$1,000||Misdemeanor||Up to $1,000||Up to 180 days|
|Fifth-degree felony||Up to $2,500||6-12 months|
|$7,500-$149,999||Fourth-degree felony||Up to $5,000||6-18 months|
|$150,000-$749,999||Third-degree felony||Up to $10,000||9-36 months|
|$750,000-$1.499 million||Second-degree felony||Up to $15,000||2-8 years|
|$1.5 million or more||First-degree felony||Up to $20,000||3-11 years|
– Statute of Limitations
Under Ohio law, you have two years to file either an injury or property damage claim. After this time period, the statute of limitations has run out on both.
– Vehicle Licensing Laws
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 insurance is illegal, and the penalties get steeper every time you are caught.
|Driving Without Insurance||License Suspension||Reinstatement Fee||Other||Violation of Suspension Penalties|
|First Offense||Until all requirements are met||$100||Loss of license plates/registration|
SR-22 requirement 3-5 years
|Vehicle immobilized/license plates forfeit for 30 days|
|Second Offense||1 year||$300||Loss of license plates/registration|
SR-22 requirement 3-5 years
|Vehicle immobilized/license plates forfeit for 60 days|
|Third Offense + Subsequent Offenses||2 years||$600||Loss of license plates/registration|
SR-22 requirement 3-5 years
|Vehicle forfeit and sold, may not register another vehicle for five years|
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 also performs random checks; letters are sent out requesting that you provide proof of insurance. If you fail to respond or provide proof, your license will be suspended.
Ohio accepts both paper and electronic proof of insurance, but it’s a good idea to keep the paper even if you can access it on your phone. A dead battery can happen at the worst possible time!
– Teen Driver Laws
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.
|License Type||Minimum Age||Requirements||Restrictions|
|Temporary Instruction Permit||15 years, 6 months||Pass 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 License||16 years||Hold 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 License||18 years||No violations during probationary period||None|
One more thing to know: at no time can any driver in the probationary license period use a cell phone in any form 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 go get an Ohio license and register your vehicles in Ohio.
If you are not yet licensed or your out-of-state license is expired, you will need to pass a test in order 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 license every four years. There is no option for renewing either online or by mail; all renewals have to be done in person.
At the BMV, you will need to take a vision test and pay the renewal fee in order to complete the process.
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 violation, with increasing points for serious violations.
When you reach a total of six points in a two-year period, a warning letter will be sent out.
Twelve points in a two-year period 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 will likely require high-risk coverage.
– 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 if you’re at fault, your liability coverage will pay for the other driver’s damages and for any injuries.
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 very risky move. You can be sued and your assets put at risk if you don’t have enough coverage.
Ohio is a comparative negligence state, which 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 damages, so in a $100,000 claim, you’d get $80,000.
If you’re found to have no fault at all, 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, although the American Academy of Pediatrics recommends it, along with several other car seat recommendations that every parent should know.
Ohio law also prohibits people 15 and under from riding in the back of an uncovered cargo area in a pickup truck, unless there is an OEM seat there with a belt, or the vehicle is moving at less than 25 miles per hour.
– Keep Right and Move Over Laws
In Ohio, it’s illegal 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 as well.
– Speed Limits
Below are the speed limits in Ohio. Bear in mind that they can change in various locations including construction zones – always follow the posted limit.
|Type of Road||Speed Limit|
|Other Limited Access Roads||70|
Since 2015, Ohio has had laws in place 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, as well as $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
- State Farm
– 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.
– 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.
|Offense||Classification||License Suspension||Imprisonment||Fine||Other Penalties|
|1st Offense||1st degree misdemeanor||6 months to 3 years and 15 days||3 days to 6 months, suspended if court grants driving privilege with IID||$250-$1,075 plus $475 license reinstatement fee||6 points on record|
Optional treatment program
Optional restricted plates
Up to 5 years probation
|2nd Offense||1st degree misdemeanor||1-7 years, no driving for 45 days||10 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|
90-day vehicle immobilization
6 points on license
|3rd Offense||Misdemeanor||1-12 years, no driving for 120 days||30 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 fee||Up to 5 years probation|
Mandatory addiction program
Restricted plates required
Possible forfeiture of vehicle registered to offender
6 points on license
|4th Offense in 6 years||Fourth degree felony||3 years to life||60 days to 30 months||Up to $10,000||Mandatory IID|
Mandatory treatment program
|5th or more in any time period||Third degree felony||3 years to life||120 days to five years||Up to $10,000||Forfeiture of vehicle|
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 in jail.
– 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 10 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 having missed the sign and compound the violation.
In fact, any activity that distracts from driving the vehicle can result in a fine. So keep your eyes on the road, Ohio!
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 common things like stolen cars are, or what the statistics are on serious crashes in Ohio. What dangers should you really be worried about? A straightforward look at the numbers would make it a lot easier to understand.
We’ll bring you everything you need to to know about the risks to both your property and to your safety.
Below you’ll find clear 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 really attract thieves in Ohio? Take a look at the top ten most stolen vehicles in the state.
|Make and Model||Most Commonly Stolen Model Year||Total Thefts (All Model Years)|
|Chevrolet Pickup (Full Size)||1999||579|
|Ford Pickup (Full Size)||2004||540|
|Jeep Cherokee/Grand Cherokee||2000||467|
|Dodge Pickup (Full Size)||2005||297|
The FBI’s crime statistics provide us with a breakdown of car theft by city. You can search the table for your hometown below.
|Bath Township, Summit County||2|
|Brunswick Hills Township||2|
|Clay Township, Montgomery County||1|
|German Township, Montgomery County||2|
|Goshen Township, Clermont County||15|
|Goshen Township, Mahoning County||5|
|Jackson Township, Mahoning County||0|
|Jackson Township, Stark County||18|
|Madison Township, Franklin County||7|
|Madison Township, Lake County||2|
|Miami Township, Clermont County||19|
|Miami Township, Montgomery County||43|
|North College Hill||26|
|Perry Township, Columbiana County||0|
|Perry Township, Franklin County||2|
|Springfield Township, Hamilton County||48|
|Springfield Township, Mahoning County||4|
|Springfield Township, Summit County||28|
|St. Clair Township||0|
|Toledo4, 5, 6||745|
|Union Township, Clermont County||16|
|Valley View, Cuyahoga County3||6|
|Village of Leesburg||2|
|Washington Court House||10|
|West Chester Township||44|
– 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 a number of factors, both within and out of the driver’s control that are factors 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 normal weather conditions, and of those more than half were in daylight.
|Weather Condition||Daylight||Dark, but Lighted||Dark||Dawn or Dusk||Other / Unknown||Total|
– Fatal Crashes By County
The numbers below break down the number of fatal crashes in each county.
|County||Fatal Crashes (2017)|
|Van Wert County||0|
– Traffic Fatalities Rural Vs. Urban
Fatal crashes were split fairly evenly between rural and urban locations in 2017.
552 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.
– Fatalities By Crash Type
A majority of fatal crashes in 2017 involved a single vehicle, and a large number also involved a roadway departure.
|Involving a Large Truck||164|
|Involving a Rollover||254|
|Involving a Roadway Departure||670|
|Involving an Intersection (or Intersection Related)||327|
– 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.
– Fatalities Involving Speeding By County
Speeding is a risky behavior, and there were 252 speeding-related fatalities in 2017. Here’s how that number breaks down by county.
|County||2017 Speeding Fatalities|
|Van Wert County||0|
– 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.
|County||DUI-related Fatalities (2017)|
|Van Wert County||0|
– 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.
|DUI Statistics||Ohio||National Average|
|Teen DUI Arrests (under 18)||84||102.82|
|DUI Fatalities (under 21) per 100,000 population||0.9||1.2|
Ohio ranks below the national average for both teen DUI arrests and DUI fatalities involving drivers under 21.
– EMS Response Time
The average response time for emergency medical service to both urban and rural fatal crashes differs quite a bit, which is pretty common.
|EMS Response||Time of Crash to EMS|
|EMS Notification to|
|EMS Arrival at Scene|
to Hospital Arrival
|Time of Crash to Hospital|
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.
– 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
83.1 percent of Ohio commuters drive alone to work – more than the national average. Ohioans 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 even more, 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!
Enter your zip code below right now to get rates!