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The good news is Ohio drivers pay much less than most other drivers around the nation. Your own coverage will fluctuate from average rates, but considering there aren't too many big risks in The Buckeye State, you should easily find an affordable car insurance policy.
On average, Americans pay $1,311 per year for their auto insurance, while Ohio drivers pay on average about $843 per year. But keep in mind that your auto insurance will be completely personalized and can be higher or lower than this.
Being behind the wheel and on the road can be dangerous. If you get into an accident — whether it's a small fender bender or something bigger — here's what your Ohio car insurance will do for you in terms of car repairs and medical bills…
As an Ohio car owner, you're required to have auto insurance and specific amounts of coverage that will pay for vehicle damage and medical bills if an accident happens. Talk to a Trusted Choice® agent about what exactly you have to have when finding a new auto insurance policy.
The driver who caused the accident is responsible for covering the cost of damages.
There are a host of uninsured, careless drivers on the road. Many drive without a financial backup plan for accidents — which puts you at financial and emotional risk whether you like it or not. Ohio has a very high rate of drivers who do not have car insurance.
Luckily, there's "Uninsured Motorist Coverage" to protect you against the unexpected. If you're hit by an uninsured or underinsured driver, this insurance coverage will step in and pay for vehicle repairs and medical bills.
Your insurance company will typically attempt to collect from the offending driver, but collecting compensation can be extremely difficult.
Ohio does require you to have uninsured motorist coverage, but we highly advise you to consult a Trusted Choice agent about your options.
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
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