How Much Is Car Insurance In Ohio?

Car insurance in Ohio is generally more affordable compared to many other states in the U.S. Full-coverage car insurance rates in Ohio average $1,533, per year. Compared to the national average of $2,388. Whereas, minimum coverage costs only $426 per year, which is less than the national average of $664.

This is lower than the national average, making Ohio an attractive option for drivers looking to save on insurance costs. The state’s relatively low population density, fewer traffic accidents, and lower rates of uninsured drivers contribute to its more affordable rates. However, premiums can still vary based on factors like location, age, driving history, and the type of coverage you choose.

In this article, we’ll dive into the various types of car insurance coverages available in Ohio, along with the costs and key factors that determine how much you’ll pay. With over 12 years of experience navigating the car insurance market as a licensed insurance agent, I’ll help you make an informed decision.

Car insurance rates in Ohio are influenced by several factors. Your driving history plays a major role, as a record of accidents or violations can lead to higher premiums. Age also impacts rates, with younger drivers generally paying more due to inexperience.

The type of coverage you choose affects costs, with full coverage being more expensive than minimum coverage. Additionally, where you live in Ohio matters too, as urban areas typically have higher rates due to increased traffic and accidents.

Lastly, personal factors like your age, credit score, and marital status can also impact your car insurance premium. Knowing how these factors affect your rates can help you make better choices when looking for car insurance in Ohio.

Cost Of Car Insurance In Ohio By Age

In Ohio, your age plays a big role in determining your car insurance rates. Young drivers typically pay higher premiums because they have less driving experience and are more likely to be involved in accidents. Once you reach 25, your rates usually start to go down, especially if you keep a clean driving record. However, after about 70, insurance rates often rise again due to an increased risk of accidents.

Here is a table displaying the average car insurance costs by age:

Average Ohio Auto Insurance Rates By Insurance Company

Car insurance rates in Ohio can vary widely between companies due to factors like pricing models, risk assessments, available discounts, and coverage options. Each insurer uses its own criteria for determining premiums, such as emphasizing driving history, credit scores, or vehicle types.

Additionally, discounts for bundling policies, safe driving, or anti-theft devices can affect rates, with some companies offering more generous savings than others. Coverage levels and customer service also play a role, with larger companies like State Farm and GEICO often offering competitive pricing due to their size, while smaller regional insurers might offer personalized service but with different pricing structures.

State-specific factors, such as local driving conditions and accident rates, can influence how insurers set premiums in Ohio, making it essential to shop around for the best deal.

Here is a table displaying average auto insurance rates by six national carriers in Ohio:

Average Ohio Car Insurance Premiums By Credit Score

Car insurance companies often use your credit history, or credit-based insurance score, to assess the level of risk they face when insuring you. While not all states permit insurers to consider credit scores when setting rates, Ohio is one of the states where this practice is allowed. This means that your credit score can influence the cost of your car insurance in Ohio.

Here is a table displaying average car insurance premiums based on different credit score categories in Ohio:

Average Car Insurance Costs In Ohio By Gender

Although gender has a smaller impact on car insurance premiums compared to factors like age or location, it is still used by some insurance companies as a rating factor. Insurance providers may consider statistical data that suggests men, particularly young men, are more likely to be involved in accidents or risky driving behaviors, which can lead to higher premiums.

On the other hand, women tend to be seen as less risky drivers, potentially resulting in lower rates. However, the effect of gender on rates varies between insurers and may not always result in a significant difference.

Here is a table displaying average car insurance costs by gender in Ohio:

Cost Of Ohio Car Insurance By Driver Record

When you purchase car insurance or renew your policy, the insurance company will typically check your driving record. If you have any violations, such as a speeding ticket, or an at-fault accident, your premium is likely to increase.

Here is a table displaying average car insurance costs based on different driving records in Ohio:

Average Ohio Auto Insurance Costs By Marital Status

In Ohio, your marital status can influence your car insurance rates. On average, married drivers tend to pay lower premiums compared to single drivers. Insurance companies often view married individuals as more stable and less risky to insure, which can result in lower rates.

Here is a table displaying average car insurance costs by marital status in Ohio:

Cost Of Car Insurance In Ohio By Coverage Type

The cost of car insurance in Ohio depends on the level of coverage you choose. For instance, full coverage with a $1,000 deductible usually costs around $69 per month, while minimum coverage is more affordable at approximately $30 a month.

Although full coverage is more expensive, it offers better protection in various situations. Adding comprehensive and collision coverage can increase your premiums, but it provides extra security against potential damages and accidents.

Here is a table displaying average car insurance costs by coverage type in Ohio:

Average Ohio Car Insurance Rates By City

Car insurance rates in Ohio can vary by city due to factors such as population density, traffic conditions, and accident rates.  For example, the average annual premium for car insurance in Columbus is about $1,275 for full coverage. As Ohio’s capital and largest city, it has higher rates due to more traffic and a greater risk of accidents.

Smaller cities often see lower rates compared to major urban centers.For example, the average full coverage premium in Akron is about $1,235 per year.

In the following table, we explore the average car insurance costs in ten different Ohio cities to illustrate these differences.

Average Ohio Car Insurance Rates By ZIP Code

Your zip code can significantly impact your car insurance rates. Insurance companies use your location to assess risks such as traffic volume, accident rates, theft, and vandalism. Urban areas with higher traffic and accident rates typically have higher premiums because the risk of collisions or claims is greater.

On the other hand, rural areas, where traffic is lighter and accidents are less frequent, tend to have lower rates. Additionally, certain ZIP codes may be affected by local crime rates, with areas prone to theft or vandalism potentially resulting in higher premiums.

In the following table, we look at average car insurance costs for ten diverse zip codes across Ohio, highlighting these localized variations.

Ohio Car Insurance Prices Compared To Other U.S. States

Comparing car insurance rates in Ohio to those in other states is important for drivers who want to understand how Ohio’s rates measure up in terms of affordability and what factors contribute to these differences. Car insurance costs can vary greatly across the country due to state-specific laws, traffic density, local weather patterns, and other regional factors.

The following table offers a detailed comparison of average car insurance rates in each state, giving you a clearer view of how Ohio’s rates compare to the national average.