Car insurance rates depend on several factors that vary by region; among these are age, driving history and credit score. Rates are determined based on these metrics as they can increase or decrease depending on whether a claim will likely be filed and your deductible size. Ohio average car insurance costs only $1,028 annually — 33% lower than the national average of $1,682.
Your choice of coverage can have an enormous effect on your rates. Liability-only policies tend to be cheaper, yet only meet minimum state requirements and don’t offer much in terms of protection against damages to vehicles or property owned by others. Full coverage policies provide greater peace of mind as they include collision and comprehensive protection coverage as standard features.
Ohio offers other optional coverages to protect its drivers such as uninsured/underinsured motorist coverage, medical payments (MedPay) and personal injury protection (PIP). In addition to protecting you from drivers who lack sufficient liability coverage, these options can cover your own medical expenses after an accident and offer compensation from those at fault – though their costs can add up if you select a high deductible plan.
Addition of a teenager typically increases rates, with costs increasing even further if there is a DUI or traffic conviction on your record. But there are ways to lower premiums despite having poor driving history; shop around and compare quotes before selecting one that meets all your needs at an affordable cost. Once committed, commit.
One factor affecting auto insurance rates in Ohio is your location. Different areas expose themselves to various levels of risk due to crime, traffic accidents and weather incidents; typically cities with more drivers tend to incur higher premiums as insurers assume greater exposure by covering larger populations in less area.
Understand what factors affect Ohio car insurance rates so that you can make informed decisions regarding coverage and discounts available to you. Our car insurance calculator can give you a clear idea of the rates associated with various coverage levels and help you compare leading car insurers in Ohio to find one with competitive prices and affordable premiums for you. Entering your zip code allows you to start shopping for car insurance that is tailored specifically to your situation and driving profile. Our experts can assist in finding an Ohio provider who provides affordable coverage with excellent customer service – click here now and compare car insurance quotes or contact our knowledgeable experts with any inquiries about your particular situation.