Ohio requires drivers to have insurance in order to be able drive legally. If you are caught driving without insurance, you could face fines and a suspension of your license.
Ohio drivers also must carry proof at all times. This may be asked of you by a police officer when stopping you or at the scene of an accident.
Minimum Coverage Required for Auto Insurance
Ohio requires that drivers carry liability coverage, which protects the property and rights of others in the event of a collision. This includes property damage and bodily injury liability insurance.
Liability coverage covers medical bills and court fees in the event that you are found guilty of an accident. Liability insurance also covers repairs or replacements of property of others if you're involved in an accident.
Our online tool allows you to get an auto insurance quote in Ohio. This tool allows you compare and contrast the average insurance rates for different companies in your region.
The most important aspect of a car insurance policy is the amount of coverage that you get for your money. In Ohio, you should aim to purchase full coverage insurance that includes collision, comprehensive, and other insurance.
Consider raising your deductible to reduce your premium. You will pay less each month, but if you have to file a claim you may be required to pay more.
You can also save money on auto insurance by increasing your limits. It is important to remember this if you have been involved in an accident involving serious injuries or extensive vehicle damages.
Uninsured & Underinsured Automobilists
In the event of a car accident, drivers who don't have their own insurance may be faced with hefty bills. It is for this reason that many experts recommend getting a policy from a third party, which will cover uninsured or low-insured drivers.
You can also buy extra protection to increase your financial safety, such as uninsured/underinsured motorist liability coverage (UM/UIM). It is important to have this coverage in the event that you are in an accident involving someone without adequate insurance.
Ohio car insurance rates
Ohio's car insurance costs are generally lower than those in other states. It's because there are less claims and experienced drivers.
You will still be charged a premium based on the type of vehicle you drive, your credit history, and your driving records. Comparing quotes is important, so shop around.
In Ohio, if you are a person with a poor credit history, it might be difficult for you to find an affordable auto policy. The reason is that some lenders ask for proof of coverage before they can finance or rent a car to a customer. It can be difficult for those who are new drivers or have a less than perfect driving record.