Enter your ZIP code:

Ohio Car Insurance Quotes

"An automobile is a significant investment, one that needs to be properly protected."

—Ohio Gov. Bob Taft & Ohio Department of Insurance Director Ann Womer

Car insurance is essential for your protection and the protection of others on Ohio roadways. And finding the Ohio car insurance policy you need can be quite a challenge.

But that's where InsureMe comes in!

We have contracted with hundreds of Ohio car insurance agents, and we can put you in touch with up to five of the top insurers in the state. Compare their offerings for yourself, ask questions and get the best deal out there on your Ohio car insurance.

Let InsureMe do all the work—and you enjoy the savings!


Ohio Car Insurance Facts

Although Ohio law does not require you to purchase car insurance, it does require you to have a guaranteed way to pay for injuries or damage resulting from your own negligent driving.

At least 20 percent of Ohio drivers do not carry car insurance or proof of financial obligation at any given time, breaking this state-mandated law called "proof of financial responsibility." As most Ohio drivers do not have unlimited financial resources, there is only one real choice-to purchase liability insurance.

Driving without Ohio car insurance or proof of financial responsibility can bring stiff penalties. Your Ohio driver's license can be suspended, your car impounded, your driving privileges revoked and/or court costs prescribed.

"How much car insurance should I buy?"

Ohio law requires you to carry the following minimum amounts of liability insurance:

  • Bodily injury coverage: $12,500 per person; $25,000 per accident
  • Property damage coverage: $7,500 per accident

Bodily injury liability pays for injury or death to others when you are at fault in an accident. It is always a good idea to consider buying higher limits of Ohio liability insurance than those mandated by state law because state minimums may not be sufficient to cover the complete value of your car, provide adequate finances for medical bills incurred as the result of an accident, or protect you fully from lawsuits.

Talk with a licensed Ohio car insurance agent about the levels of car insurance appropriate in your situation.

Determination of Your Premium

Ohio auto insurance companies use various factors to determine your auto insurance rates, including:

  1. Age
  2. Vehicle you drive
  3. Driving record
  4. Claims history
  5. Location

Each of these details plays a vital role in the determination of your car insurance premium. Ohio car insurance companies set rates according to calculated risk levels; so a driver who has multiple tickets, drives an expensive car or lives in a high-crime area will likely pay higher rates than one who has no tickets or accidents, drives a less expensive car or owns one that costs less to repair.

Keeping Costs Low

Obtaining Ohio car insurance coverage can be a costly and overwhelming proposition. Getting the best coverage at the best price involves knowing and understanding the factors that drive insurance prices upward-and then taking steps to ensure these factors do not affect your own premium.

Some good ways to keep your Ohio car insurance premium low include:

  • Inquiring about discounts
  • Setting your deductible as high as possible
  • Maintaining a good driving record
  • Buying multiple policies with the same insurance company
  • Choosing your new car carefully
  • Maintaining a good credit history

What You should Ask

Looking for an Ohio car insurance policy with the type of coverage you need at a price you can afford should be your goal. Some good questions to ask when shopping for your Ohio car insurance are:

  1. Does my age affect my rates? How?
  2. How often can my rates be changed?
  3. What specifically does the policy cover? What does it not cover?
  4. How much is the deductible?
  5. Who do I contact in case of an accident?
  6. What is your company's complaint ratio?

Use the answers you get from these questions to compare policies carefully and determine differences in coverage and cost.

"What if I can't find car insurance?"

Numerous Ohio car insurance companies specialize in insuring those whom other companies refuse to insure. However, if you can't find a company that is willing to insure you due to a poor driving record, a lapse in coverage, or for other pertinent reasons, ask any Ohio car insurance agent to help you apply to the Ohio Automobile Insurance Plan. This program guarantees you liability coverage, although rates may be high. For further information on this plan, call the Ohio Auto Plan at 614-221-2596.

Further Information

The Ohio Department of Insurance is one of the largest consumer protection agencies in the state and saves consumers more than $6 million annually. The department handles more than 90,000 consumer calls and another 3,200 inquires and complaints online.

If you need more information on Ohio car insurance, or if you'd like to file a complaint, you may contact them at 800-686-1526, or online at www.ohioinsurance.gov.

Now, compare and save!

This information has been compiled in an effort to help you gain the knowledge you need to wade through Ohio car insurance information and make an informed decision. We hope you have found it appropriate and helpful.

Now, let InsureMe help you get the quote you need-at a price you can afford! Just fill out our "Get a free quote" box, and you'll get accurate, affordable quotes from Ohio car insurance agents who will compete for your business.

Don't risk going without Ohio car insurance. Protect yourself today!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!   
Free Health Insurance Quotes!   
Free Life Insurance Quotes!   

List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10898
101 Wyoming Auto Insurance youcomparequotes 10795
100 Wisconsin Car Insurance youcomparequotes 10419
99 Wisconsin Auto Insurance youcomparequotes 10503
98 West Virginia Car Insurance youcomparequotes 11421
97 West Virgina Auto Insurance youcomparequotes 10367
96 Washington, D.C. Car Insurance youcomparequotes 12021
95 Washington, D.C. Auto Insurance youcomparequotes 11050
94 Washington Car Insurance Quotes youcomparequotes 11531
93 Washington Auto Insurance Quotes youcomparequotes 11195
92 Virginia Car Insurance youcomparequotes 10862
91 Virginia Auto Insurance Quotes youcomparequotes 10875
90 Vermont Car Insurance youcomparequotes 13110
89 Vermont Auto Insurance youcomparequotes 10147
88 Utah Car Insurance youcomparequotes 10806
87 Utah Auto Insurance youcomparequotes 10610
86 Texas Car Insurance Quotes youcomparequotes 10833
85 Texas Auto Insurance Quotes youcomparequotes 10831
84 Tennessee Car Insurance youcomparequotes 10440
83 Tennessee Auto Insurance youcomparequotes 11014
82 South Dakota Car Insurance youcomparequotes 10676
81 South Dakota Auto Insurance youcomparequotes 9952
80 South Carolina Car Insurance youcomparequotes 10871
79 South Carolina Auto Insurance youcomparequotes 10748
78 Rhode Island Car Insurance youcomparequotes 10224
77 Rhode Island Auto Insurance youcomparequotes 10597
76 Pennsylvania Car Insurance Quotes youcomparequotes 10926
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11427
74 Oregon Car Insurance Quotes youcomparequotes 11082
73 Oregon Auto Insurance Quotes youcomparequotes 10737
72 Oklahoma Car Insurance youcomparequotes 10784
71 Oklahoma Auto Insurance youcomparequotes 10756
» Ohio Car Insurance Quotes youcomparequotes 10487
69 Ohio Auto Insurance Quotes youcomparequotes 10412
68 North Dakota Car Insurance youcomparequotes 10493
67 North Dakota Auto Insurance youcomparequotes 10889
66 North Carolina Car Insurance youcomparequotes 14195
65 North Carolina Auto Insurance youcomparequotes 11177
64 New York Car Insurance Quotes youcomparequotes 10411
63 New York Auto Insurance Quotes youcomparequotes 11390
62 New Mexico Car Insurance youcomparequotes 9867
61 New Mexico Auto Insurance youcomparequotes 9986
60 New Jersey Car Insurance youcomparequotes 10215
59 New Jersey Auto Insurance youcomparequotes 10354
58 New Hampshire Car Insurance youcomparequotes 11266
57 New Hampshire Auto Insurance youcomparequotes 10879
56 Nevada Car Insurance youcomparequotes 10589
55 Nevada Auto Insurance youcomparequotes 10622
54 Nebraska Car Insurance youcomparequotes 10276
53 Nebraska Auto Insurance youcomparequotes 11248
52 Montana Car Insurance youcomparequotes 10308
51 Montana Auto Insurance youcomparequotes 10450
50 Missouri Car Insurance youcomparequotes 10608
49 Missouri Auto Insurance youcomparequotes 10506
48 Mississippi Car Insurance youcomparequotes 10918
47 Mississippi Auto Insurance youcomparequotes 10825
46 Minnesota Car Insurance Quotes youcomparequotes 11054
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11159
44 Michigan Car Insurance youcomparequotes 10242
43 Michigan Auto Insurance youcomparequotes 9972
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17280
41 Massachusetts Auto Insurance Reform youcomparequotes 11059
40 Maryland Car Insurance youcomparequotes 11265
39 Maryland Auto Insurance youcomparequotes 11283
38 Maine Auto Insurance youcomparequotes 10933
37 Louisiana Car Insurance youcomparequotes 11231
36 Louisiana Auto Insurance youcomparequotes 10581
35 Kentucky Car Insurance youcomparequotes 10682
34 Kentucky Auto Insurance youcomparequotes 10399
33 Kansas Car Insurance youcomparequotes 10223
32 Kansas Auto Insurance youcomparequotes 10653
31 Iowa Car Insurance youcomparequotes 10516
30 Iowa Auto Insurance youcomparequotes 10532
29 Indiana Car Insurance youcomparequotes 10485
28 Indiana Auto Insurance youcomparequotes 10450
27 Illinois Car Insurance youcomparequotes 10467
26 Illinois Auto Insurance youcomparequotes 10113
25 Idaho Car Insurance youcomparequotes 10336
24 Idaho Auto Insurance youcomparequotes 10421
23 Hawaii Car Insurance youcomparequotes 10768
22 Hawaii Auto Insurance youcomparequotes 10855
21 Georgia Car Insurance youcomparequotes 10075
20 Georgia Auto Insurance Quotes youcomparequotes 10969
19 Florida Car Insurance Quotes youcomparequotes 12469
18 Florida Auto Insurance Quotes youcomparequotes 10410
17 Find Maine Car Insurance youcomparequotes 10377
16 Delaware Car Insurance youcomparequotes 10668
15 Delaware Auto Insurance youcomparequotes 10546
14 Connecticut Car Insurance youcomparequotes 10463
13 Connecticut Auto Insurance youcomparequotes 10290
12 Colorado Car Insurance Quotes youcomparequotes 10474
11 Colorado Auto Insurance youcomparequotes 10027
10 California Car Insurance Quotes youcomparequotes 10970
9 California Auto Insurance Quotes youcomparequotes 11112
8 Arkansas Car Insurance youcomparequotes 11254
7 Arkansas Auto Insurance youcomparequotes 10647
6 Arizona Car Insurance Quotes youcomparequotes 10601
5 Arizona Auto Insurance youcomparequotes 11036
4 Alaska Car Insurance youcomparequotes 10784
3 Alaska Auto Insurance youcomparequotes 11576
2 Alabama Car Insurance youcomparequotes 10255
1 Alabama Auto Insurance youcomparequotes 10765
XE Login