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The Buckeye State
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Ohio Auto Insurance
Besides being the Buckeye State, Ohio is also known as a swing state in both its political views and weather extremes. And Ohio residents know that these weather extremes have been known to cause some serious vehicle damage. Preparing for the unexpected is important if you want to protect yourself from automobile issues (weather or collision related included) that could be financially burdensome.
Auto insurance rates in Ohio can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners’ rates for the coverage you select, and you can even pick the price you like.
Required Auto Insurance in Ohio
For your own safety, and for the safety of those around you, Ohio drivers must have Auto Insurance to legally drive in the state. You are required to purchase Liability Insurance, which pays for damages and injuries that you may be held responsible for following an accident. The state mandates a minimum coverage that you must have, though you could choose to carry more if you see fit.
State Minimum Liability Coverage in Ohio
- BI or Bodily Injury: $25,000 per person, $50,000 total per accident
- PD or Property Damage: $25,000 per accident
To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Ohio
At this point in time, the minimum Auto Insurance requirements are just that – minimal. Therefore, it may be wise for you to consider higher limits and additional coverage on your policy. These extra coverages could save you a significant amount of money in the event of the unexpected, and they might even cost less to add than you think.
Below are some examples of Ohio Car Insurance coverages you may want to consider:
- Collision Coverage*: If you are found to be at fault for an accident, the state minimums would help cover damages to the other people and their property, but your own car wouldn’t be covered. Considering that the national average repair costs are about $3,000, it may benefit you to add Collision coverage to your policy. $3,000 would be a hefty amount to hand over for any necessary car repairs after an accident.
- Comprehensive Coverage*: Damage to your car could stem from any number of circumstances, not just a collision. Winter storms, hail, floods and other weather-related issues could cause some serious problems for your car. Comprehensive coverage would cover your car, minus your deductible, for non-collision damages.
- Higher Bodily Injury Limits: If there are serious injuries following an accident that you may have been at fault for, medical bills can add up quickly. The state’s required minimum coverage may not be enough, and you could be held personally responsible for anything standard Liability Insurance doesn’t compensate for.
- Higher Property Damage Limits: Damage from a car accident isn’t always limited to other vehicles. Road signs, fences, light poles and other property may be damaged in a collision. And that minimum PD coverage may not stretch as far as you think.
- strongUninsured Motorist Coverage: There are strict penalties for those driving without Auto Insurance in Ohio, but there are still those who violate these laws and put you and other drivers at risk. For this reason, you should take responsibility into your own hands, and avoid financial losses that you could incur as a result of another driver’s lack of Car Insurance.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
Your Auto Insurance should be tailored to your specific situation, and you should feel confident in the policy you’ve chosen. Should you need help choosing a policy that fits your lifestyle, consult a licensed Insurance Specialist at AIS.
Most Stolen Car Models in Ohio
If you own a car that is highly targeted for theft, you may find that your Car Insurance rate is increased. According to www.nicb.org, these are the top 10 cars that were stolen in Ohio in 2017:
- Chevrolet Pickup (Full Size)
- Ford Pickup (Full Size)
- Honda Accord
- Chevrolet Impala
- Honda Civic
- Dodge Caravan
- Chevrolet Malibu
- Toyota Camry
- Jeep Cherokee/Grand Cherokee
- Toyota Corolla
Licensed Drivers in Ohio
Ohio Auto Insurance Discounts
Car Insurance discounts vary from person-to-person and state-to-state. That’s why it’s important to find out what discounts you may qualify for and to see how you can take advantage of as many as possible.
Here are a few examples of the discounts that may be available to you:
- Safe Driver
- Good Driver
- Good Student
- Accident Free
To learn more about specific discounts, visit our Discounts page.
There is always potential for those in Ohio to experience a disaster that is detrimental to their car and their livelihood. That’s why protection through Car Insurance is vitally important both legally and financially. AIS can be your source for all things Auto Insurance, from finding you the best coverage to the best prices. Call AIS today to see how we can help with your Ohio Auto Insurance needs!