Ohio is known to offer one of the lowest premium costs for car insurance, though these costs depend heavily on driver age, location, and driving history. Use Ohio car insurance calculator below to estimate your Ohio auto insurance costs and discover ways to cut expenses.
The car insurance calculator includes estimated rates for minimum and full coverage Ohio auto insurance policies from various companies. Rates are estimated based on an Ohio driver with a clean record purchasing a new vehicle and selecting maximum coverage (100/300/100 policy), uninsured motorist coverage and collision insurance with a $500 deductible policy.
Ohio drivers looking to save on car insurance costs can find significant relief by opting for minimal coverage – though this limits how much compensation may be available in case of a collision and may prevent you from filing claims on damage done to your own vehicle. We suggest choosing this coverage only if you can pay for repairs out-of-pocket.
If you have been charged with driving under the influence (DUI), expect your Ohio car insurance rates to increase considerably over those without. How long your rates stay increased depends on the severity of the offense as well as whether or not it was your first, second or third conviction; typically drivers with DUI convictions typically pay approximately $1,524 annually for full coverage car insurance policies.
As is true of other states, Ohio zip codes play an outsized role in your car insurance rates. Cities with higher crime rates and traffic congestion usually command more expensive premiums compared to rural regions; Cincinnati boasts the highest average premiums while Findlay boasts some of the lowest.
Gender has less of an effect on car insurance rates in Ohio than other factors; however, it still serves as a rating factor. On average, male drivers pay slightly more than their female counterparts for full coverage policies in the state of Ohio.
Ohioans looking for affordable car insurance options should consider insuring a Jeep Wrangler JL Sport, Honda CR-V LX or Subaru Crosstrek as they have lower insurance rates than more costly models such as Tesla Model S Performance or Lexus ES 350H which cost significantly more.
Ohio insurance companies are allowed to consider your credit score when setting auto insurance premiums, so if you have poor credit it is wise to shop around for the most reasonable quotes since insurance providers’ pricing methods can differ widely from one provider to the next. On average, drivers with poor credit pay about 40% more for car insurance compared with drivers with good credit – for your convenience here is a car insurance calculator with estimates from some of Ohio’s most cost-effective providers if necessary.