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Accidents and auto insurance in Ohio

Ohio is definitely one of the cheapest states in the United States to buy auto insurance. With an average annual insurance rate of $1106, Ohio is the fourth least expensive state to buy auto insurance, after Maine, Idaho, Iowa, and New Hampshire. Most cities in Ohio have average insurance rates below $1106, except for Columbus, Dublin, and Youngstown.

Accidents affect your insurance rates in different ways. One accident on your driving record would affect your premium less than two accidents. Drunk driving offences tend to affect your insurance rates the most. Major accidents, that caused property damage or medical injuries could double the amount you pay to insure your car.

If you get into an accident in Sandusky, your average premium will increase from $857 to $1055. After two accidents, your average premium would increase to $1575. Dayton is the second least expensive city to buy auto insurance in Ohio. In Dayton, your insurance rate would increase from $916 to $1128 after one accident. After two accidents, you will face an increase up to $1683 on your insurance premiums.

Car insurance companies also increase your premiums according to the Insurance Services Office’s (ISO) surcharge policy. The following table shows the increase in insurance rates according to this policy in the different cities of Ohio.

City/State Zip code Average Annual Insurance Rate ($) Increased Insurance Rate for multi-car policy ($) Increased Insurance Rate for single-car policy ($)
Sandusky 44870 857 1,028 1,200
Dayton 45390 916 1,099 1,282
Canton 44702 957 1,148 1,340
Cleveland 44114 983 1,180 1,376
Cincinnati 45202 1,027 1,232 1,438
Akron 44301 1,044 1,253 1,462
Toledo 43604 1,098 1,318 1,537
Ohio 45870 1,106 1,327 1,548
Columbus 43215 1,132 1,358 1,585
Dublin 43016 1,132 1,358 1,585
Youngstown 44502 1,224 1,469 1,714

You could convince your insurance company to lower your insurance rates by taking a defensive driving course. A defensive driving course completion certificate brings your insurance rates down by around 15%. Moreover, it helps make you a better driver and could help prevent accidents.

The Auto Insurance Costs of Drunk Driving in Ohio

Maine, Iowa, Ohio and North Carolina have a well-deserved reputation for being the most affordable auto insurance states in the country. With an annual average insurance rate of $1,106, Ohio is the fifth least expensive auto insurance state. Auto insurance rates are lower than Ohio only in the states of Maine (average insurance rate at $827), Idaho ($969), Iowa ($1,028), and North Carolina ($1,085). Ohio’s rates are $390 below the national average insurance rates.

The average insurance rates, however, stand the chance of being inflated by charges of drunk driving on your driving record. In addition to the charges that will be brought by the state of Ohio (including heavy fines and jail time), you have to deal with an increase in your insurance rates. The average rate of $1,106 in Ohio goes up to $2,057 after an alcohol-related offense conviction. Most insurance companies will ensure that you pay a higher premium for at least three years since your first conviction.

Let us see how drunk driving convictions affect insurance rates in the different cities in Ohio.

City Zip code Average Annual Insurance Rate ($) Average Insurance Rate after a DUI conviction ($)
Sandusky 44870 857 1,594
Dayton 45390 916 1704
Canton 44702 957 1,780
Cleveland 44114 983 1,828
Cincinnati 45202 1,027 1,910
Akron 44301 1,044 1,942
Toledo 43604 1,098 2,042
Columbus 43215 1,132 2,106
Dublin 43016 1,132 2,106
Youngstown 44502 1,224 2,277

There are some ways to bring down your premium after a DUI conviction. One of the best ways to do so is to take a defensive driving course. In Sandusky, a defensive driving course will reduce your premium to $1,355, in Dayton to $1,448 and in Canton to $1,513. In Youngstown, after a DUI conviction, you would have to shell out an average of $2,277 every year. You can bring this rate down to $1,935 by completing a defensive driving course. Not only does it help you lower your insurance costs, but it would also help make you a better driver in hazardous weather conditions.

Ohio is still one of the cheapest states for auto insurance

Ohio has traditionally been one the cheapest states in the country to buy auto insurance. A November 2013 study by the Consumer Federation of America confirms Ohio’s status as a friendly state for consumers to insure their vehicles. Whereas the countrywide average auto insurance expenditure went up by 43.3 percent between 1989 and 2010, Ohio’s average rose by 38.4 percent. Ohio is one of only 12 states where average costs went up by less than the national average.

Back in 1989, the auto insurance expenditure average stood at $447.73 ranking it the 27 most expensive state in the country. By 2010 Ohio had improved to 43rd most expensive. Put another way, it was the 8th cheapest by 2010 with the average having gone up to $619.46. The 2010 average is over a $170 cheaper than the national average. Furthermore, with a Herfindahl-Hirschman rating 798 (where a score lower than 1000 is considered competitive) Ohio is a competitive marketplace which benefits consumers.

The study further found that states that had implemented stringent insurance regulations achieved the most success in keeping rates lower. If Ohio was to do the same, it would result in further savings for consumers and maintain Ohio’s reputation as being consumer friendly in terms of auto expenditure. One the most effective ways, the study found, to keep rates low is to implement a Prior Approval (PA) system. The PA system requires insurers to file rates and have them approved by the state before they can be used in the marketplace. In contrast, Ohio has a File and Use (F&U) system in place which requires insurers to file rates before they are used without any requirement for approval. Moreover, the study found that a PA did not adversely affect the profit margins of the insurers.

By putting in place a few keys pieces of regulation Ohio may be able to deliver more savings in the form of low auto insurance premiums if the study is anything to go by.

Ohio is the best bet for Ford Expedition customers

The Ford Expedition is a full-size SUV manufactured by the Ford Motor Company. The production for this car model started in the year 1996. Ford Expedition was launched as a replacement for Ford Bronco.

In this analysis, we will compare the median prices and insurance average of this car model across various states of the United States. Please note that the used cars belong to the year range of 2005–2012.

Let us compare the three states with the lowest insurance average.

State Insurance average ($) Median Price ($) Insurance percentage
Maine 878 23,500 3%
Iowa 955 27,930 4%
New Hampshire 1,007 34,995 2%

Comparing the three states with the lowest insurance average, Maine would be the most cost-effective option for customers interested in buying the Ford Expedition.

If we look at the figures for New Hampshire, we see that despite having a low insurance average, the median price is on the higher side. Purchasing this car model from New Hampshire should be avoided.

In Vermont, the median price is on the lower side ($ 1043) but it has the highest median price ($ 42995) among all the states which makes it an unsuitable option for the customers.

Now let us look at the three states which have the lowest median prices.

State Insurance average ($) Median Price ($) Insurance percentage
Nevada 1,203 17,980 6%
New Mexico 1,364 18,768 7%
Ohio 1,095 18,944 5%

Comparing the above figures with the lowest insurance average table we can conclude that there is not a major difference in the insurance averages of Ohio, Iowa and New Hampshire. So solely on the median price, the customer will benefit by buying this used car model from Ohio.

When Ohio and Maine figures are compared one can see that there is a difference in their insurance averages of $ 217. If one buys this car from Ohio instead of Maine, one can save $ 4556!

Ohio Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Ohio, OH.

Lowest Rate:$800
Average Rate:$1,100
Highest Rate:$2,200

Recent Savings From Top Providers in Ohio

Rank Customer Zipcode Amount Saved
1 45870 $545
2 45899 $538
3 45800 $536
4 43316 $534

Compare Auto Insurance Companies in Ohio

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
Allstate A+ 1931
GEICO A++ 1936
Nationwide A+ 1925
American Family A 1927
Erie A+ 1925

Ohio Auto Insurance Requirements

Minimum limits of liability for auto insurance in Ohio as per OH State Laws

Bodily Injury Liability

  • $12,500 for death/injury of any one person, per accident.
  • $25,000 for all persons per accident.

Property Damage Liability

  • $7,500 per accident.

Ohio Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Ohio is the vehicle's make and model. Especially the vehicle's theft rates in Ohio

MakeInsurance Average PremiumView Details
MakeInsurance Average PremiumView Details

Related Links for Auto Insurance Alabama

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Latest Auto Insurance Reviews in Ohio

Progressive

$103 a month

I am a married 35 year old female with two children. I live in Hudson Florida and I have Progressive Insurance. I pay $103 a month on a Chevy Suburban that carries state minimum insurance. I chose the lowest option they have because I have a great driving record and have never caused one accident. I drive only when I need to. I drive about 20 miles a week because I work at home. So I only drive the stores or doctor appointments. I have had Progressive insurance for about ten years now and plan to stick with them. They offer me the lowest price around. I would say on a scale from 1-5 I would give them a 3 because last year they raised my premium because of all the other accidents people are having. But if I switched companies I would be paying twice as much so they are my company for a long time.

State Farm , randy dresbach

$44.67 for 1 Month

I have been with State Farm Insurance for almost 30 years since I was a teenage driver living at home, and find it a great insurance company. I have only had two accidents in those 30 years and my claim has been dealt with very quickly. Right now they insure my Dodge Caravan and Stratus. I have a very good rate for being Divorced middle aged woman driver, though my driving is only listed as "local" driving. I have complete coverage on both vehicles, which includes, uninsured drivers, towing, rental car, and road side services, with a 100 dollar deductible. I also have my home insured through State Farm which gives me a better deal with my multicar discount. I have never had a compliant about the company in those 30 years, I only have good things to say about them. They have prompt service when a claim is filed, their agents are always friendly and willing to help no matter when I have called them. I would highly recommend State Farm to anyone looking for insurance.

Progressive

$350 for 6 Months

My driving record is good. 1 car is insured a Chevy Sonic. I'm 22, female, and single. I drive my car every other day for a few miles. I have full coverage. They are always available to help me. I remember when I first got my car it was the first time that I had ever had car insurance in my own name. I had no idea what I was doing and they were there to give me all the information I needed. They were willing to answer all my questions. I was worried about price but when I switched to this insurance mine went down significantly. I was really excited! The insurance is affordable and the people are extremely nice. I could not be happier about my insurance provider. I feel safe and protected.

State Farm

We have been customers of State Farm for several years now. We have had a couple of claims with them and yet our rates have not gone up! They provide great customer service and our claims were processed very quickly. They recommended several repair shops and allowed us to make the decision on which one we wanted to take our vehicles too. We have never had any issues with State Farm. They have allowed us to make changes to our policy to make it the best fit for our family as well. We would definitely recommend them to anyone looking for a great car insurance company.