To drive legally in Ohio, you must have auto insurance. If you're caught without it, you may face fines, suspension of your driving license, and other penalties.
Ohio drivers must always carry proof that they have this type of coverage. You may be required to show this proof when a traffic officer stops you, at an accident scene or at a vehicle inspection.
Minimum coverage 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 bodily injury and property damage liability insurance.
If you're found to be responsible for an accident, your liability insurance will pay for medical expenses and legal costs. If you are at fault in an incident, liability insurance will cover the cost of medical bills and legal fees.
Our online tool will allow you to obtain a car insurance quote for Ohio. It allows you to compare rates and see the averages for the companies in your area.
The amount of coverage you receive for your money is what matters most. It is important to have full coverage for your car insurance policy in Ohio. That includes collision and comprehensive coverage.
Raising your deductible can help you save money. This will lower your monthly payments, but you may have to pay more out of pocket if you need to make a claim.
Increasing your limits is another great way to save on your auto insurance in Ohio. This is true especially if the accident you're in involves severe injuries and extensive vehicle damage.
Uninsured & Underinsured Automobilists
Uninsured drivers can face a large bill in the event of an auto accident. Many experts recommend third-party policies, which provide liability coverage for underinsured and uninsured motorists.
You can also buy extra protection to increase your financial safety, such as uninsured/underinsured motorist liability coverage (UM/UIM). It's a must if you get into an accident with a driver who does not have enough insurance.
Ohio Automobile Insurance Rates
Ohio has lower car insurance rates than other states. The reason for this is that there are few claims and more skilled drivers.
Insurance rates are based on factors such as your driving history, credit score and vehicle type. You should shop around to compare rates from various insurance companies.
If you have a poor credit score, you might find it difficult to get affordable auto insurance in Ohio. The reason is that some lenders ask for proof of coverage before they can finance or rent a car to a customer. This can pose a problem to newer drivers and those with less than perfect driving records.