How to Use the Ohio Car Insurance Calculator

Ohio Car Insurance Calculator

The Ohio Car Insurance Calculator can help you estimate your auto insurance costs by answering a few questions about your driving habits, vehicle and needs. It then displays various options for you to select from and provides an estimate of how much money you could save.

Minimum Coverage Mandated by Law in Ohio

In Ohio, drivers are required to carry liability coverage of $25,000 per person and $50,000 per accident, plus $25,000 in property damage liability. Other types of coverage may also be mandated by your lender or lessor if you’re financing or leasing your car.

Full Coverage Option

Some drivers opt to add collision and comprehensive insurance to their policies in order to cover damages to both their car, as well as other vehicles involved in an accident. Although this coverage usually comes at a higher cost than just adding liability coverage, it’s worth the investment in safeguarding your automobile.

Enhancing Your Credit Score Can Reduce Premiums

Insurance companies in Ohio take into account your credit score when setting car insurance rates. Drivers with higher scores tend to get cheaper premiums than those with low ones since they pose less of a risk.

Speeding Tickets Can Increase Your Rates

Speeding tickets in Ohio can result in annual increases to your car insurance rates of up to $800. Fortunately, these increases are preventable by avoiding tickets and other moving violations as well as keeping your credit report clean.

Selecting Good Companies for Cheap Rates in Ohio

State Farm and Geico dominate the auto insurance market, but local insurers may be more cost-effective and offer comparable customer satisfaction ratings. You may also find insurers that provide discounts based on factors like a clean driving record, safe car or membership in an accredited driving organization.

Calculating Your Ohio Insurance Rates Based on Age and Other Driver Information

Not only does your driving history matter, but the type of car you drive may also influence your rate. Insurers take into account factors like model, body style and engine size when calculating how much to charge for coverage.

Taking Drivers’ Education Courses Can Lead to a Lower Rate

Completing driver’s education courses may result in lower car insurance rates as they are deemed safer and more knowledgeable drivers. The Insurance Research Council suggests that all motorists take these courses to enhance their driving abilities and gain insight into the significance of safe driving practices.

Younger Drivers Pay More for Car Insurance in Ohio

Car insurance tends to be more costly for younger drivers in most states, as insurers view them as higher risks due to their lack of experience and tendency towards having accidents. As such, insurers charge younger motorists a higher premium.

If you’re a young driver in Ohio, it is imperative to shop around for the lowest rates on car insurance. Whether you are a student, parent or retiree, getting quotes from various providers allows you to compare costs and find which company offers the most advantageous deal.