Low cost Ohio auto insurance rates are available from many of the nation’s largest auto insurance companies. Geico, Progessive, Nationwide, Allstate, Metlife and many other companies feature low car insurance rates for Ohio residents. You may save a substantial amount of money by comparing current rates of other carriers to what you pay now. By providing your zip code in the box below, you’ll have access to low cost auto insurance options from the top companies.
Ohio auto insurance rates will vary, depending on which part of the state you reside. Typically, rates in Ohio are lower (sometimes substantially lower) than most other states. The cost of repair and average cost of each claim helps keep our rates low.
Ten Ways To Reduce Your Ohio Auto Insurance Rates
Lowering your premium is possible. By following some of our recommendations, you may be able to reduce your rates by as much as 25%-50%.
- Compare your rates with at least two other recognized companies. You may not realize how much your premium has been increasing until you view rates from other carriers. You can also view complaint information about most companies on the Ohio Department Of Insurance (ODI) website.
- Consider increasing your collision deductibles, especially on newer vehicles. By raising the deductible from $100 to $500, you’ll probably save hundreds of dollars per vehicle. Increasing your comprehensive deductible typically does not make as big of a difference since mostly fire, vandalism and theft are at risk.
- Ask for a quote on your homeowner’s insurance from the company that insures your cars. Often a “multi-policy” discount is available when you insure your cars and home with the same company. The discount can range from 5%-20%, depending on the company.
- Drive slower and safer! All major Ohio auto insurance companies offer reductions in premiums the longer you drive accident-free. And many companies further reduce your rates every 3-5 years you drive without an accident.
- Ask about discounts. If you have a teen driver, a “good student” discount can reduce the rate from 5%-20%. If you are retired and not driving to work, a discount will apply. Many companies offer an Ohio auto insurance rate reduction if you are 55 or older. Having an alarm system or parking your car inside a garage may also provide a discount.
- Compare the auto insurance rates on vehicles BEFORE you buy them. If you are contemplating purchasing a new car, you can receive an estimate of cost before you actually buy the vehicle. You may be surprised how expensive (or inexpensive) some cars will cost and it may affect your buying decision. Typically, newer, sporty or more expensive cars will increase your premium the most.
- Maintain a good credit rating. Many companies use your credit information to help determine your rate. And the difference between good credit and bad credit can be as much as hundreds of dollars each year. So pay your bills on time and be aware of your credit score.
- Reduce coverages on older cars. If the value of the vehicle is only a few thousand dollars, and you are paying more than $300 per year for your collision benefits ($500 deductible), placing just liability coverage on the older car might be worth considering.
- Don’t pay for items that you already have. Selected credit cards will provide towing service. And of course, AAA provides a wide range of services including towing. If you are paying for towing coverage on your auto insurance policy, make sure you don’t have towing coverage through another company.
- Take a “Defensive Driving” course. If it is a state-approved course, you may qualify for a discount with your insurer. In fact, the insurance savings may pay for the entire course!
Low cost Ohio auto insurance rates are just a click away. If you think you’re paying too much, you probably are! If you don’t have current coverage, Ohio state law requires minimum liability limits. The quotes that you view will include coverages that satisfy the state requirement.
