Ohio requires drivers to have insurance in order to be able drive legally. If you are caught driving without insurance, you could face fines and a suspension of your license.
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 Required for Auto Insurance
Ohio law requires that motorists carry liability insurance to protect other people and property in case 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.
With our online tool, you can receive a quote on car insurance in Ohio. It allows you to compare rates and see the averages for the companies in your area.
The coverage amount you get is most important. In Ohio, you should aim to purchase full coverage insurance that includes collision, comprehensive, and other insurance.
Consider increasing your deductible if you're looking to save on your insurance premium. If you raise your deductible, you can lower your monthly payment. However, you will have to pay a higher amount out of pocket in the event you need to file a claims.
A great way to lower your Ohio auto insurance is by increasing your coverage limits. This is especially important if there are serious injuries or extensive car damage in the event of an accident.
Uninsured/underinsured drivers
If an accident occurs, drivers without auto insurance could be hit with huge 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). It is important to have this coverage in the event that you are in an accident involving someone without adequate insurance.
Ohio car insurance is cheaper than most other states. The reason for this is that there are few claims and more skilled drivers.
Your insurance rate will depend on your credit rating, driving record, and type of car you own. Comparing quotes is important, so shop around.
With a bad credit score, it may be hard to find cheap auto insurance in Ohio. Some lenders will not finance or lease vehicles to customers unless they have proof of insurance. It can be difficult for those who are new drivers or have a less than perfect driving record.