In order to drive legally in the state of Ohio, drivers must have car insurance. Without this coverage, drivers could be fined or have their license suspended.
Ohio drivers are also required to carry proof of such insurance at all time. 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
The state of Ohio requires motorists to carry liability insurance, which protects other people and their property in the event of an accident. 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. This allows you to see what the average rates are for each company in your area and compare them to find the best deal.
Most importantly, the coverage is worth your money. You should generally try to obtain full coverage auto insurance in Ohio. This includes collision and comprehensive insurance.
Raising your deductible can help you save money. You will pay less each month, but if you have to file a claim you may be required to pay more.
It is also possible to save money by raising your insurance limits in Ohio. This is true especially if the accident you're in involves severe injuries and extensive vehicle damage.
Uninsured/underinsured drivers
In the event of a car accident, drivers who don't have their own insurance may be faced with hefty bills. Experts recommend that drivers who are uninsured, or have inadequate insurance coverage purchase a third-party policy.
You can also buy extra protection to increase your financial safety, such as uninsured/underinsured motorist liability coverage (UM/UIM). If you are involved in an accident where the other driver does not have sufficient insurance, this is a necessity.
Ohio Automobile Insurance Rates
Ohio car insurance is cheaper than most other states. It is because the number of claims are lower and there are more experienced drivers.
Your insurance rate will depend on your credit rating, driving record, and type of car you own. It's important to compare insurance quotes and shop around.
If you have a poor credit score, you might find it difficult to get affordable auto insurance in Ohio. This is because some lenders require proof of insurance before they will finance or lease a vehicle to a customer. This is a problem, especially for younger drivers and those who have less-than-perfect records.