How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost
Huber Heights23.41.38$916
Cleveland Heights231.47$821

Ohio Car Insurance FAQ - Quick Answers

In Ohio, the annual average cost of car insurance is $843, coming in much lower than the national average of $1,311. For your exact costs, consult with a licensed professional to run comparative quotes. 

It is law in Ohio that you must have insurance to drive any motor vehicle. A vehicle owner may not allow anyone else to drive their motor vehicle without insurance.

Each Ohio auto policy will be different, however the state minimum limits are required. Some coverage limits commonly obtained are listed below.

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for a damage from a non-collision event, such as a hail storm.
  • Collision: Pays for a collision with another vehicle, animal, or property.

In Ohio, 12.4% of the driving population is currently without insurance. To better protect you and your loved ones, uninsured motorist coverage can be added to your policy for an extra premium. This limit helps pay for your expenses when a collision occurs between you and an at fault uninsured driver.

Each state has their own laws when it comes to car insurance. In Ohio, you must carry these minimum limits in order to meet local requirements:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability

The best is relative when shopping for car insurance, but there are some highly rated companies in each state. In Ohio, Nationwide, Safeco, State Auto, and Travelers insurance companies are among the top. This is due to their superior claims service, cash reserves for losses, and customer service. 

Do You Know What Your Car Insurance Covers in Ohio?

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