Ohio car insurance discounts; good drivers, drivers with a clean record and no history of claims save on insurance. We took samples of information from several sources and developed a range of what cheap car insurance typically costs in Ohio. We based these samples on a driver with at least a decade of driving experience, a clean driving record, and driving the most popular non-exotic vehicles in the United States. The important thing to remember is that insurance rates can vary widely and prices can change almost daily.
This range is just a GUIDE to give you a basic idea about the rates that insurance companies charge today in Ohio. The other important thing to keep in mind is that age plays an important role in vehicle insurance rates in Ohio. A 20-year-old driver with a clean record will pay nearly twice as much for full-coverage insurance as a similar 30-year-old driver. This isn't surprising, but rates seem to be higher for younger drivers in Ohio than in other states.
The Federal Trade Commission found that low credit scores were relatively accurate predictors of a driver's risk of having an accident. As a result, insurance companies sometimes charge higher rates and offer more restrictive coverage offers for people with irregular credit histories. Drivers with bad credit in Ohio can still get insurance, but the rates and restrictions may be higher than those of drivers with good credit. The costs of full coverage vary by company and location within Ohio.
Grange and Erie, both regional companies, appear to have the lowest total coverage rates. If you live in Ohio, the answer is probably “kids”. Drivers with teenagers in their families can pay up to double the average insurance premium. If you're lucky, nothing will happen, but it's impossible to count on that.
You're likely to see an increase in fares, unless you can attend a corrective driver education program. You can find our overview of programs in Ohio here. If you own or rent a hybrid car, you can save on your Travelers car insurance with a discount on hybrid car insurance. You can qualify for a discount on your car insurance if you own a home or condo, even if you insure it somewhere else.
When you buy a new car or own a car that's less than three years old, you may qualify for a new car discount. Ohio requires all drivers to have insurance, but does not require insurers to offer low-cost coverage to low-income drivers. Policyholders with drivers who are fully enrolled in high school or college and who are good students who maintain a “B” average or better may qualify for a discount on car insurance. Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers.
Customers who have taken out car insurance on an ongoing basis with Travelers with no interruptions in their coverage may be entitled to a discount. In Ohio, drivers with just two speeding tickets pay an average of 29% more on their annual car insurance premiums, for example. Penalties for uninsured driving in Ohio include fines, driver's license suspension, and high-risk insurance requirements. For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 9.00% more than the average premium in Ohio.
Just about anyone can get a discount on car insurance in Ohio, as most insurance companies make it easy to qualify for a variety of savings. Drivers also tend to pay much more for car insurance when they live in and around major metropolitan areas such as Cincinnati, Columbus, or Dayton. Ohio insurers typically offer discounts that fall into one of three categories: policy discounts, driver discounts, and vehicle discounts. When an insured driver is responsible for an accident, liability insurance covers the other driver's expenses.
You can qualify for a discount on car insurance if your family insures two or more cars under a Travelers policy. For more information, see WalletHub's guides on car insurance for new drivers and the cheapest insurance in Ohio. .