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Ohio Car Insurance & Minimum Coverage Amounts

Ohio is home to Cedar Point, the Rock and Roll Hall of Fame, and the birthplace of Thomas Edison. While the state isn’t known for its big cities or busy nightlife, you can still find a good range of things to do in cities like Akron and Columbus.

If you’re traveling to or moving to Ohio, you’ll need to make sure your Ohio car insurance is up to date. Here’s what you need to know about registering your car with the proper car insurance in the Buckeye State.

Ohio Car Insurance Minimum Coverage Amounts

Before you register your car or truck with Ohio license plates, you’re going to need to show proof of insurance. The state of Ohio requires that all drivers carry at least these minimum coverages:

  • Bodily injury liability coverage: $25,000 per person and $50,000 per accident.
  • Property damage liability coverage: $25,000 per accident.

That’s it! That’s all you need to legally register your car to drive Ohio’s roads. But keep in mind that this is just the minimum coverage. It’s a good idea to talk to your insurance agent about other coverages that might be right for you.

For instance, it’s estimated that around 13% of Ohio divers are not insured. Insurance to protect you against these uninsured and underinsured drivers may be a good idea. You may also opt to purchase collision, comprehensive, or other coverages to protect you in the event of an accident.

What is the Average Cost of Car Insurance in Ohio?

Should you opt to get full coverage Ohio car insurance, you can expect to pay around $1,037 each year on average. That’s a great deal if you’re moving from another state. Ohio car insurance premiums cost around 27% less than the national average. Compare that to neighboring Michigan, which has the highest premiums in the nation, and you’ll be a little happier when you pay those insurance premiums!

Why is Car Insurance So Cheap in Ohio?

There are three primary reasons Ohio car insurance is so expensive. First, its drivers are largely cautious. The instance of accidents on Ohio roads may be less, too, due to a smaller number of drivers on the road.

Big cities aren’t really present in the Buckeye State, and in the rural areas, you’ll be less likely to experience car theft or vandalism.

Finally, car insurance in Ohio is so cheap because of the low minimum requirements. You need less insurance, therefore your rates will be lower than would be with higher coverages.

Lapses in Ohio Car Insurance

If your Ohio car insurance lapses, it’s important that you don’t drive your vehicle. If you’re stopped by law enforcement-even for a routine traffic stop-and it’s determined you don’t have insurance, you can lose your license.

The first offense will see your license suspended for 90 days. The second time you’re caught, you can have your license suspended for up to two years! Furthermore, driving without at least minimum coverage car insurance may be grounds for impounding your vehicle and seizing your tags.

There are hefty fines and reinstatement fees associated with each of these penalties. In short, it is best to just keep your car insurance policy up to date.

Best Auto Insurance in Ohio

Ohio drivers were surveyed to determine the best companies for car insurance in the Buckeye State. The following five car insurance companies are considered by locals to be best for service, affordability, and coverage options.

  • Erie
  • Auto-Owners
  • State Farm
  • USAA

Of course, no two drivers have exactly the same insurance needs. Talk to your agent about which coverage options will best fit your driving habits and your budget.

Driving in Ohio

Headed to the Buckeye State and want to learn a few facts about the roads and drivers there? Here are a few things to ponder while you’re on your way to King’s Island.

  • The Ohio driver’s ed manual states that you should honk your horn every time you pass another vehicle.
  • In Canton, it’s illegal to drive a Power Wheels vehicle down the street. We think this is a pretty sound law.
  • Need to find your way around? If you buy a map in Lima, it’s illegal for maps to be sold that don’t have Lima clearly marked.
  • In Youngstown, it’s illegal to run out of gas. We don’t think many people deliberately break that law.

Conclusion: Car Insurance in Ohio

If you’re headed to the Buckeye State with your car, you’ll need to have the right insurance. Be certain you’re covered for at least the minimum coverage amount before you register your vehicle to avoid serious penalties and even the suspension of your license.