The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- American Family provides the cheapest liability coverage at $21 per month in Ohio.
- American Family offers the cheapest rates for full coverage insurance in Ohio at $40 per month.
- At $96 per month, Stony Prairie is the cheapest city for car insurance in Ohio.
Read on to learn more about car insurance price trends in Ohio. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Ohio
For drivers looking to meet Ohio minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in Ohio
#1. American Family: $21
#2. USAA: $23
#2. Westfield: $23
#4. Auto-Owners Insurance Co: $25
#5. Erie: $26
Cheap full coverage in Ohio
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Ohio
#1. American Family: $40
#2. Auto-Owners Insurance Co: $64
#3. Erie: $85
#3. USAA: $85
#5. Nationwide: $88
Impact of traffic violations on Ohio auto insurance rates
In Ohio, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Ohio may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Ohio after common driving violations.
- No violation: $123
- Not-at-fault accident: $128
- Failure to wear a seat belt: $141
- Speeding 6 - 10 MPH over limit: $149
- Speeding 21 - 25 MPH over limit: $162
- DUI: $240
- Reckless driving: $232
- Driving with a suspended license: $238
- Leaving scene of an accident/hit and run: $247
Car insurance rates across Ohio's top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Ohio
#1. Stony Prairie: $96
#1. Ballville: $96
#1. Fremont: $96
#4. Findlay: $97
#4. Alvada: $97
Cities with the most expensive average monthly premium in Ohio
#1. Bratenahl: $139
#2. St. Bernard: $138
#3. Blacklick Estates: $137
#3. Whitehall: $137
#5. Delshire: $136
