Car insurance is generally affordable in Ohio. However, car insurance premiums are affected by factors other than the state in which you live. Teenage drivers lack driving experience, so they pay hundreds of dollars more for car insurance than older adults. State Farm also offers a usage-based program, Drive Safe and SaveTM, which offers discounts of up to 30% on car insurance to good drivers if they drive safely.
Car insurance premiums can vary widely from state to state, but there are other factors that influence how rates are determined. A person's age, driving history, and credit ratings can have a significant impact on the cost of car insurance in Ohio. The insurer offers all of the standard coverage options for car insurance in Ohio, along with a wide range of possible extras. For example, after an at-fault accident in Ohio, average auto insurance premiums increase by approximately 39 percent.
When you buy an auto insurance policy for the first time, and each time the policy is renewed, your insurance company will likely review your driving record. Every car insurance company in Ohio charges a different rate of coverage, so most insurance professionals recommend comparing prices and getting several quotes to see which company might offer the lowest rate for your coverage needs. The state may also require you to have special high-risk insurance called FR coverage for uninsured driving. Ohio car insurance rates can be more expensive in certain cities due to factors such as vehicle theft and vandalism rates, the number of uninsured drivers, the risk of adverse weather conditions, and more.
Once you turn 25, car insurance rates generally start to drop, as long as you maintain a clean driving record. USAA offers some of the cheapest auto insurance policies with minimum and full coverage in Ohio, but only for members of the military and their families.