Cheap car insurance in Ohio
Looking for affordable car insurance in Ohio? We can help. At Dairyland®, we’re committed to helping you understand Ohio state insurance requirements—and we’ll work with you to secure a policy that fits your budget.
How much is car insurance in Ohio?
According to Bankrate, Ohio drivers pay an average of $1,533 per year for “full coverage” and $426 per year for minimum required coverage.*
How much you'll pay depends on several factors specific to you, including:
Your driving record
The type of vehicle you insure
The coverages and limits you choose
The car insurance company you purchase from
We offer flexible down payment options starting as low as one month's premium. You can also choose between six-month and twelve-month policy terms.
How to get a car insurance quote
Insurance quotes are quick and free. You'll just need to:
Have information about yourself, your vehicle, and your driving history on hand.
Be prepared to provide information on the other people diving the car.
See what discounts you could qualify for and select the coverages you want.
What auto insurance coverages are required in Ohio?
To meet Ohio state insurance requirements, all drivers must carry at least the following minimum amounts of liability insurance:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$25,000 in property damage liability per accident
Bodily injury liability insurance in Ohio
This coverage can help cover medical bills and lost wages for other motorists and passengers if they’re injured in an accident you cause.
Property damage liability insurance in Ohio
Property damage liability insurance is another must-have on Ohio roads. This coverage can help pay for damages to someone else's property—such as their car—in an accident that's your fault.
Without liability coverage, not only are you at risk of being cited for driving without insurance, you could be left paying tens of thousands of dollars out of pocket for repairs following an accident.
Optional car insurance coverages in Ohio
While liability insurance is all that's required to meet Ohio state insurance requirements, there are several optional coverages you may want to consider for added protection:
Uninsured/underinsured motorist coverages
Uninsured motorist (UM) and underinsured motorist (UIM) coverages can help protect you financially if you’re in an accident caused by a driver who doesn't have insurance or doesn't have enough insurance to cover your expenses.
Medical payments coverage
Medical payments coverage can help pay for medical bills for you and your passengers after an accident, regardless of who was at fault.
Comprehensive coverage
Comprehensive coverage can help pay for covered damages to your vehicle from non-collision events, such as:
Theft
Vandalism
Weather-related incidents
Collision coverage
Collision insurance can help you pay for repairs to your vehicle if you're in an accident with another car or object—no matter who was at fault.
SR22 insurance in Ohio
If you’ve been convicted of a DUI or certain other traffic violations, you may be required to carry an SR22 form as part of your Ohio state insurance requirements. An SR22 is essentially a certificate confirming you carry the minimum auto liability insurance required by law.
We’ll file your SR22—or FR bond, if needed—on your behalf, free of charge.
Car insurance discounts in Ohio
Who doesn't love saving money on car insurance? We offer a variety of discounts to help Ohio drivers keep more cash in their pockets. Here are the discounts we offer in your state:
Multi-car
Transfer
Homeowners
Paid in full
Quarterly
Advanced quote
Motor vehicle accident prevention course
Who has the cheapest car insurance in Ohio?
As we mentioned above, that depends—on your age, driving record, the car you drive, and the coverage you purchase. But it also varies by car insurance company.
That's why the best way to find reliable car insurance at a good price is to shop around and compare quotes from multiple providers.
Learn how to get cheap car insurance in Ohio.
Need more than Ohio car insurance?
So, you've got your Ohio car insurance squared away, but what about all the other responsibilities that come with being a responsible driver in the Buckeye State? Don't worry, we’ll point you in the right direction:
Driver resources
For more information on Ohio state motorist requirements and other rules of the road, check out these helpful resources:
Ohio Department of Transportation (ODOT)
The ODOT provides up-to-date information on road conditions, construction projects, and safe driving tips.
Ohio Bureau of Motor Vehicles (BMV)
Visit the Ohio BMV website for vehicle registration, driver's licenses, and other motor vehicle services.
Ohio Department of Insurance (ODI)
The ODI offers consumer guides and resources on various types of insurance, including auto, home, and life.
*Data accuracy is subject to this article’s publication date.
