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 will also be required to show proof of this insurance type at all times. This proof may be requested by a traffic police officer, an accident scene, or a vehicle inspection.
Minimum coverage required for auto insurance
The state of Ohio requires motorists to carry liability insurance, which protects other people and their property in the event of an accident. This includes bodily injury and property damage liability insurance.
If you are found at fault for an accident, liability insurance will cover your medical costs and legal fees. This insurance also covers the costs of repairing or replacing other people's possessions in case you cause an accident.
You can get a quote for car insurance in Ohio using our online tool. This tool allows you compare and contrast the average insurance rates for different companies in your region.
The amount of coverage you receive for your money is what matters most. It is important to have full coverage for your car insurance policy in Ohio. That includes collision and comprehensive coverage.
Consider increasing your deductible if you're looking to save on your insurance premium. You will pay less each month, but if you have to file a claim you may be required to pay more.
A great way to lower your Ohio auto insurance is by increasing your coverage limits. It is important to remember this if you have been involved in an accident involving serious injuries or extensive vehicle damages.
Uninsured/underinsured drivers
Drivers who aren't covered by their own auto insurance can be hit with massive bills in the event of an accident. This is why many experts recommend a third party policy, which provides liability coverage for uninsured or underinsured drivers.
You can also buy extra protection to increase your financial safety, such as uninsured/underinsured motorist liability coverage (UM/UIM). This coverage is essential in case of an accident caused by someone without insurance.
Ohio Auto Insurance Rates
Ohio's car insurance costs are generally lower than those in 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. Compare quotes from several insurance companies to find the best deal.
You may find it hard to obtain affordable auto insurance if you have a low credit score. It's because some lenders demand proof of auto insurance before they finance or lease an automobile to a client. This can cause problems for drivers who are less experienced or with a poor driving record.