Cheapest Car Insurance In Ohio For 2025

If you’re searching for the cheapest car insurance in Ohio, Hastings Mutual stands out as the most affordable option for minimum coverage, at an average of $420 per year, which is lower than the national average of $637.

Drivers in Ohio looking for full coverage car insurance can find the lowest rates with Hastings Mutual, averaging $1,428 per year. This is significantly lower than the national average of $2,401.

Cheapest Car Insurance In Ohio For Minimum Coverage – Hastings Mutual

Minimum coverage in car insurance represents the most fundamental level of protection, aligning with the legal mandates set by the state of Ohio.

Hastings Mutual offers the cheapest minimum coverage car insurance in Ohio, with average monthly premiums of $35.

Cheapest Car Insurance In Ohio For Full Coverage – Hastings Mutual

Full coverage car insurance encompasses a more extensive range of protection compared to minimum coverage, making it a comprehensive choice for many drivers. This type of policy typically integrates both comprehensive and collision insurance, creating a robust safety net.

Hastings Mutual has the cheapest full coverage car insurance in Ohio. You can get coverage for around $119 a month.

Cheapest Car Insurance In Ohio For Drivers With Poor Credit – Grange 

Credit score plays a pivotal role in the calculation of car insurance rates, serving as a key indicator for insurers in assessing the risk profile of a driver. The underlying premise is that individuals with lower credit scores are statistically more likely to file insurance claims.

If you have poor credit, you can find the cheapest car insurance with Grange. Premiums are around $131 per month.

Cheapest Car Insurance In Ohio For Seniors – GEICO

Car insurance for seniors in Ohio can be found at an affordable rate of $57 per month with GEICO.

Seniors in Ohio have the potential to secure competitive rates for their car insurance, thanks to the various factors that work in their favor. Age can indeed be a significant factor in determining insurance premiums, with the assumption being that as drivers age, their reflexes and driving abilities might decline. However, this is not a hard and fast rule, and many seniors maintain excellent driving records well into their later years.

Cheapest Car Insurance In Ohio For Teenagers – Erie 

Teenage car insurance rates in Ohio are typically the highest out of any age group, this is because teenagers have a high rate of accidents, which translates into high premiums

Erie has the cheapest rates for teens, with an average monthly premium of $184.

Cheapest Car Insurance In Ohio For Good Drivers – Hastings Mutual

Good drivers, characterized by their clean driving records, are typically rewarded with lower car insurance rates. Insurance companies assess risk based on a driver’s history, and those without any violations or accidents naturally fall into the low-risk category.

Hastings Mutual provides the cheapest auto insurance policy in Ohio for drivers with a clean record, at an average annual rate of $1,056.

Cheapest Car Insurance In Ohio For Drivers With A Speeding Ticket – Erie 

Erie has average premiums of $149, making it the cheapest option for drivers with a speeding ticket.

Cheapest Car Insurance In Ohio For Drivers With An At-Fault Accident – Erie 

Erie has average premiums of $158, making it the cheapest option for drivers with an at-fault accident.

Cheapest Car Insurance In Ohio For Drivers After A DUI – Erie 

Erie has average premiums of $56, making it the cheapest option for drivers with a DUI on their record.

Average Cost Of Car Insurance In Ohio – By Age

An 18-year-old driver in Ohio can expect to pay around $3,720 per year for their insurance, while a 35-year-old driver will only pay around $2,040.

Your age plays a significant role in determining your car insurance rate. Young drivers typically pay the highest premiums, with rates dropping as you get older.

Average Cost Of Car Insurance In Ohio – By City

Drivers in Toledo typically pay around $1,680 per year, while drivers in Springfield may find rates around $1,536.

The city that your home is in greatly affects your car insurance premiums. Cities usually have higher risks of theft and accidents.

Minimum Car Insurance Requirements In Ohio

Ohio drivers must have minimum car insurance with liability coverage set at 25/50/25. The minimum amount of coverage required by law is as follows:

• $25,000 for bodily injury per person
• $50,000 in bodily injury per accident
• $25,000 for property damage per accident.

Car Insurance Discounts In Ohio

While searching for car insurance, it’s wise to explore providers that present the most beneficial discounts tailored to your circumstances. Additionally, consulting with your insurance agent can reveal potential discounts that you might not be currently utilizing.

Below is further insight into the common types of discounts provided by top car insurance companies:

• Multi-policy: Bundle two or more insurance policies with the same company.
• Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies earns you this discount.
• Military: This generally applies to both veterans and active-duty military members.
• Senior: This often applies to policyholders who are 55 or older.
• Homeowners: If you own a home, you may qualify for this discount.
• Good student: This discount is usually for college and high school students under 25 who maintain a B average in their courses.
• Good driver: You can save money by maintaining a clean driving record (with no at-fault accidents, DUI, or traffic tickets in the last three years).
• Defensive driving: Those who take a qualifying defensive driving course get a discount.
• Driver training: Get a discount by taking a driver education training course.
• New car: Drivers who purchase new cars, typically no more than three model years old, get a discount.
• Safe car: This applies if your vehicle has safety features like anti-theft technology.
• Paperless: Receive a discount by opting to receive your documents through email.
• Pay-in-full: Save on your car insurance premium by paying in full up front.

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