Ohio Car Insurance Guide (Cheap Rates + Best Companies)

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Feb 24, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Ohio
Ohio Statistic Summary
Road Miles 120,091
Registered Vehicles 10,152,367
State Population 11,689,442
Percentage of
Uninsured Motorists
12
Driving Deaths Speeding: 252 Drunk Driving: 333
Average Premiums Annually
Liability: $397.11 Collision: $269.84 Comprehensive: $121.61
Cheapest Provider: USAA, American Family Mutual

Welcome to the home state of the Buckeyes! Chances are you have moved here because you are not a fan of Michigan. Okay, maybe that is not the only reason, but hopefully, that is part of it. Go Bucks!

Baseball and cars are two popular things in Ohio. The first professional baseball team, Cincinnati Reds, are from Ohio. Akron is known as the rubber capital of the world with big tire companies like Goodrich, Goodyear, and Firestone setting up their plants in Akron.

No matter the reason you are in Ohio, you will need insurance on your vehicles. We will cover the ins and outs of Ohio insurance.

We look at which companies write in your state and the different coverages you can get. We will also cover rates for different demographics, counties, and other factors taken into consideration with receiving a rate.

Insurance can be a hard thing to understand, which is why we are here. We have done the research and want to help you find the cheapest car insurance for your needs without sacrificing coverage.

We make it so easy that you can even get a quote above. Just enter your zip code to use of free online comparison tool.

Table of Contents

How to Get Ohio Car Insurance Coverage and Rates

First up is coverage and rates. How much insurance is required? Who costs the most to insure? We will answer those questions and more below.

We will also cover some additional coverages you can add to your policy to make sure you are fully covered in the case of a claim. The minimum coverage for property damage liability and bodily injury may seem appealing to someone who just wants to save money on their annual premium. Unless you can afford to pay for all your own auto damage and medical bills, you may want to reconsider.

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What’s Ohio’s Car Culture like?

Luxury cars and pick up trucks are the vehicles of choice in Ohio. While football is a huge part of Ohio state culture, car racing is becoming a bigger sport. This means a wide range in safety, replacement cost, and much more leading to a wide range of average rates.

There are over 100 race tracks in Ohio. Some tracks, like Mid-Ohio, are home to Nascar and Indy car races.

What are the Ohio State Minimum Coverage Requirements?

If you own a vehicle and drive in Ohio, you must have insurance or proof of financial responsibility. Financial responsibility is the duty to be able to pay for a loss in the event of a claim. Carrying an insurance policy is the most common form of financial responsibility.

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If you obtain an insurance policy, you are required to carry at least the minimum limits. Minimum limits in Ohio are as follows:

  • $25,000 bodily injury per person
  • $50,000 bodily injury for two or more persons per accident
  • $25,000 property damage per accident

Liability limits payout when you are found at fault. Liability pays out for the damages and injury you are held liable. So this coverage pays out for the OTHER party involved who was found not at fault.

Remember, these limits are the minimum required amount needed to be legal on the road. It is wise to buy more insurance because if you are in an accident once your limits have been exhausted you could be held liable for the remaining amount. If your car is totaled or you have medical bills, liability insurance also won’t cover your losses. While some people may want to rely on their health insurance, it could come with high deductibles. Some health insurance companies also specifically exclude coverage for auto accident related injuries.

If you were in a serious accident involving the luxury cars Ohio drivers prefer, you would need a lot more coverage than the minimum requirements.

Are There Forms of Financial Responsibility?

Insurance policy is one form of financial responsibility, but what are other ways? Ohio insurance website has the following listed on their website:

Ohio law allows for the following alternatives to automobile insurance:

  • A certificate issued by the BMV, after proper application and approval, indicating that money or government bonds in the amount of $30,000 is on deposit with the Ohio Treasurer
  • A certificate of bond issued by the BMV, after proper application and approval, in the amount of $30,000 signed by two (2) individuals who own real estate having equity of at least $60,000
  • A certificate of self-insurance issued by the BMV, after proper application and approval, to those with more than 25 motor vehicles registered in their name or a company’s name
  • A $30,000 bond issued by an authorized surety or insurance company You must show proof of an insurance policy, whether an ID card or electronic card on your smart device. If you chose to have a certificate, you must show that certificate.

You must show the above-mentioned proof at any traffic stop or court appearance. Out of Ohio drivers, 15 percent drive with no insurance.

If you chose to drive without insurance, you could face serious penalties both from the state and insurance companies when you get insured. This is true even if you previously had a clean driving record. We will discuss those more under the Ohio state law section.

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What Percentage of Income are Insurance Premiums?

So how much is insurance can take out of your paycheck?

Full Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
Ohio$766.66$37,490.002.04%$738.68$36,168.002.04%$714.05$36,035.001.98%
Countrywide$981.77$40,859.002.40%$950.92$39,192.002.43%$924.45$39,473.002.34%

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The state of Ohio a less percentage for insurance than the average United States driver.

What are the Average Monthly Car Insurance Rates in OH (Liability, Collision, Comprehensive)?

We know to drive legally you must minimum required liability limits. A lot of drivers also chose to have collision and comprehensive coverages as well. If you chose to have all three coverages, it is considered to be combined coverage or full coverage. This is typically required if you lease or finance a vehicle.

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Comprehensive and collision are coverages used to protect your vehicle. If you have a lien on your car and making payments, most lienholders require this coverage since it covers the car. Some will even set a certain deductible limit you must have. It’s wise for most people to have more comprehensive coverage.

Coverage Type:Annual Costs in 2015:
Liability$397.11
Collision$269.84
Comprehensive$121.61
Combined$788.56

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Is There an Additional Coverage?

Additional liability coverages are available to add to your policy.

Medical payments is a coverage used to pay for medical bills or funeral bills for anyone in the vehicle at the time of the loss. Uninsured and underinsured motorist coverage are just as they sound. They are coverages you can use if you are involved in an accident that the other person does not have any or enough coverage.

Ohio is ranked 22 out of all the states for uninsured drivers. Due to this fact, drivers in Ohio should strongly consider purchases underinsured and uninsured motorist coverage.

Loss Ratio 201320142015
Medical Payments (MedPay)77%76%77%
Underinsured/Uninsured Motorist Payments58%57%61%

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Loss ratio is a good indicator of whether or not an insurance company is financially stable. Loss ratio simply means the ratio between premium earned and premium paid out for claims. So, if a company has a 50 percent loss ratio, that means they received $100,000 in premiums and paid $50,000 out in claims.

If your ratio is too high, this means the company is not making money. If too low, they may have overpriced their policies. In the event of a loss, you want a stable company that is able to pay out for your covered loss.

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Are There any Add-ons, Endorsements, and Riders?

There are many additional coverages you can add to your auto policy. We have taken a list of the most common. Always look over available coverages and speak to an agent about what coverages you may need.

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance
  • Pay-As-You-Drive or Usage-Based Insurance

What are the Average Monthly Car Insurance Rates by Age & Gender in OH?

So who pays more for insurance? I think most people, especially parents, know young drivers cost the most. When you add a young, inexperienced driver on your policy it will go up a lot.

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CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
Allstate F&C$2,138.70$2,132.00$1,926.78$2,060.78$5,908.09$6,758.78$2,248.98$2,403.62
American Family Mutual$943.84$980.06$862.73$866.82$2,911.29$3,161.47$1,166.31$1,228.84
Farmers Ins of Columbus$1,814.67$1,810.78$1,598.65$1,686.60$8,004.71$8,312.21$2,032.84$2,123.65
Geico Cas$1,348.45$1,310.04$1,264.91$1,276.23$3,611.17$3,359.64$1,497.90$1,269.11
Safeco Ins Co of IL$2,067.94$2,258.05$1,589.89$1,934.44$10,791.30$12,192.16$2,199.81$2,404.29
Nationwide Mutual$2,202.69$2,214.18$1,987.35$2,002.19$5,629.14$7,261.11$2,361.32$2,749.18
Progressive Specialty$1,774.30$1,672.93$1,477.06$1,525.00$7,866.04$8,860.06$2,124.39$2,195.89
State Farm Mutual Auto$1,505.94$1,505.94$1,347.85$1,347.85$4,698.43$5,902.29$1,749.20$2,005.47
Discover Prop & Cas Ins Co$1,444.26$1,466.30$1,434.68$1,427.12$6,234.90$9,849.32$1,505.60$1,719.12
USAA$895.00$902.46$851.69$850.63$2,763.43$3,076.83$1,196.59$1,291.02

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What are the Cheapest Rates by Zip Code?

Your zip code can also determine your rate. Take a look below and see where your zip code lands on the lists.

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25 Most Expensive Zip Codes in OhioCityAverage Annual Rate by Zip CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive
Annual Rate
Cheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
43224COLUMBUS$3,667.48Progressive$5,629.87Liberty Mutual$5,580.27USAA$1,677.82American Family$1,735.02
43608TOLEDO$3,629.84Liberty Mutual$5,604.95Farmers$4,702.48USAA$1,752.21American Family$1,917.02
43211COLUMBUS$3,608.65Liberty Mutual$5,580.27Progressive$5,260.21USAA$1,602.45American Family$1,820.61
43610TOLEDO$3,603.68Liberty Mutual$5,604.95Farmers$4,702.66USAA$1,752.21American Family$1,916.61
43620TOLEDO$3,562.98Liberty Mutual$5,604.95Farmers$4,675.36USAA$1,752.21American Family$1,894.20
45225CINCINNATI$3,553.80Liberty Mutual$5,279.24Progressive$5,142.08USAA$1,615.82American Family$1,879.15
45214CINCINNATI$3,546.86Liberty Mutual$5,279.24Progressive$4,932.49USAA$1,773.59American Family$1,914.64
44510YOUNGSTOWN$3,534.06Liberty Mutual$5,196.76Farmers$4,590.33American Family$1,776.30USAA$1,871.55
44104CLEVELAND$3,529.50Liberty Mutual$5,411.26Progressive$4,557.19USAA$1,623.13American Family$1,841.35
44502YOUNGSTOWN$3,525.99Liberty Mutual$5,196.76Farmers$4,548.25American Family$1,769.59USAA$1,871.55
43604TOLEDO$3,517.76Liberty Mutual$5,604.95Farmers$4,431.29USAA$1,752.21American Family$1,854.68
44503YOUNGSTOWN$3,516.11Liberty Mutual$5,196.76Farmers$4,541.42American Family$1,769.59USAA$1,871.55
44504YOUNGSTOWN$3,514.38Liberty Mutual$5,196.76Farmers$4,585.91American Family$1,623.63USAA$1,871.55
45205CINCINNATI$3,513.17Liberty Mutual$5,279.24Progressive$4,572.49USAA$1,773.59American Family$1,896.43
43203COLUMBUS$3,511.66Liberty Mutual$5,580.27Progressive$4,524.21USAA$1,602.45American Family$1,832.09
43609TOLEDO$3,508.26Liberty Mutual$5,604.95Farmers$4,427.34USAA$1,632.21American Family$1,854.68
43219COLUMBUS$3,507.34Liberty Mutual$5,580.27Progressive$4,346.93USAA$1,485.99American Family$1,788.00
44506YOUNGSTOWN$3,500.25Liberty Mutual$5,196.76Farmers$4,531.75American Family$1,764.69USAA$1,871.55
44507YOUNGSTOWN$3,497.59Liberty Mutual$5,196.76Farmers$4,608.03American Family$1,779.08USAA$1,871.55
43612TOLEDO$3,496.23Liberty Mutual$5,604.95Farmers$4,371.09USAA$1,690.58American Family$1,827.44
43605TOLEDO$3,483.76Liberty Mutual$5,604.95Farmers$4,343.36American Family$1,663.32USAA$1,690.58
45219CINCINNATI$3,477.52Liberty Mutual$5,279.24Farmers$4,641.51USAA$1,713.89American Family$1,879.84
44127CLEVELAND$3,472.34Liberty Mutual$5,411.26Farmers$4,386.64USAA$1,623.13American Family$1,821.20
44103CLEVELAND$3,469.12Liberty Mutual$5,411.26Farmers$4,241.90USAA$1,623.13American Family$1,841.35
43205COLUMBUS$3,462.57Liberty Mutual$5,580.27Progressive$4,216.52USAA$1,547.76American Family$1,781.09

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25 Least Expensive Zip Codes in OhioCityAverage Annual Rate by Zip CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
44883TIFFIN$2,325.38Liberty Mutual$3,357.16Nationwide$2,831.42USAA$1,301.36American Family$1,360.24
45840FINDLAY$2,340.63Liberty Mutual$3,357.16Nationwide$2,970.73USAA$1,357.45American Family$1,374.49
44861OLD FORT$2,355.45Liberty Mutual$3,357.16Farmers$3,101.73USAA$1,301.36American Family$1,362.16
45816BENTON RIDGE$2,360.76Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,272.61USAA$1,357.45
44820BUCYRUS$2,362.24Liberty Mutual$3,357.16Progressive$2,961.66American Family$1,346.67USAA$1,380.40
44830FOSTORIA$2,366.68Liberty Mutual$3,357.16Progressive$2,942.53USAA$1,301.36American Family$1,332.01
43351UPPER SANDUSKY$2,367.88Liberty Mutual$3,357.16Farmers$2,847.94American Family$1,329.32USAA$1,380.40
44809BASCOM$2,376.36Liberty Mutual$3,357.16Farmers$3,205.79USAA$1,301.36American Family$1,317.91
43330KIRBY$2,377.02Liberty Mutual$3,357.16Farmers$3,022.97American Family$1,353.85USAA$1,380.40
44845MELMORE$2,377.03Liberty Mutual$3,357.16Progressive$3,100.88USAA$1,301.36American Family$1,329.07
45875OTTAWA$2,380.80Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,363.80USAA$1,380.40
44828FLAT ROCK$2,385.20Liberty Mutual$3,357.16Farmers$3,134.66USAA$1,301.36American Family$1,362.08
44802ALVADA$2,385.94Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,317.91USAA$1,357.45
44817BLOOMDALE$2,386.88Liberty Mutual$3,357.16Nationwide$3,032.81American Family$1,291.40USAA$1,357.45
44827CRESTLINE$2,389.32Liberty Mutual$3,357.16Allstate$2,935.13American Family$1,315.21USAA$1,380.40
45891VAN WERT$2,391.83Liberty Mutual$3,639.93Nationwide$2,910.25USAA$1,380.40American Family$1,434.97
43316CAREY$2,393.94Liberty Mutual$3,357.16Farmers$2,996.09American Family$1,353.85USAA$1,380.40
45815BELMORE$2,396.47Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,276.62USAA$1,380.40
44853NEW RIEGEL$2,396.49Liberty Mutual$3,357.16Farmers$3,084.43USAA$1,301.36American Family$1,385.92
45877PANDORA$2,397.00Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,317.31USAA$1,380.40
44844MC CUTCHENVILLE$2,404.82Liberty Mutual$3,357.16Progressive$3,045.60American Family$1,329.07USAA$1,380.40
45889VAN BUREN$2,406.02Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,272.61USAA$1,357.45
44836GREEN SPRINGS$2,408.82Liberty Mutual$3,357.16Farmers$3,170.31USAA$1,301.36American Family$1,362.16
43323HARPSTER$2,409.21Liberty Mutual$3,357.16Farmers$3,026.73American Family$1,329.32USAA$1,380.40
44854NEW WASHINGTON$2,409.32Liberty Mutual$3,357.16Farmers$3,064.02American Family$1,373.19USAA$1,380.40

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What are the Cheapest Rates by City?

We have also taken that information and broken it down by city.

10 Most Expensive Cities in Ohio Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Youngstown$3,471.04Liberty Mutual$5,116.26Farmers$4,491.06American Family$1,720.93USAA$1,834.62
Toledo$3,462.84Liberty Mutual$5,528.64Farmers$4,373.06USAA$1,682.66American Family$1,747.29
Blacklick Estates$3,449.06Liberty Mutual$5,580.27Progressive$4,254.54American Family$1,696.72USAA$1,699.83
Bexley$3,433.05Liberty Mutual$5,580.27Travelers$4,212.62USAA$1,705.29American Family$1,776.08
Beachwood$3,397.39Liberty Mutual$5,411.26Farmers$4,311.60USAA$1,623.13American Family$1,633.38
Ottawa Hills$3,396.30Liberty Mutual$5,604.95Nationwide$4,141.77USAA$1,632.21American Family$1,664.03
Cleveland$3,395.66Liberty Mutual$5,411.26Farmers$4,164.61USAA$1,622.29American Family$1,765.02
Columbus$3,340.94Liberty Mutual$5,580.27Travelers$4,153.84USAA$1,551.12American Family$1,683.71
Bridgetown$3,314.15Liberty Mutual$5,279.24Progressive$4,179.06USAA$1,710.83American Family$1,823.10
Cincinnati$3,303.69Liberty Mutual$5,126.55Progressive$4,086.64USAA$1,617.73American Family$1,784.34

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10 Least Expensive Cities in Ohio Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Bettsville$2,325.38Liberty Mutual$3,357.16Nationwide$2,831.42USAA$1,301.36American Family$1,360.24
Findlay$2,340.63Liberty Mutual$3,357.16Nationwide$2,970.73USAA$1,357.45American Family$1,374.49
Old Fort$2,355.45Liberty Mutual$3,357.16Farmers$3,101.73USAA$1,301.36American Family$1,362.16
Benton Ridge$2,360.75Liberty Mutual$3,357.16Nationwide$2,970.73American Family$1,272.61USAA$1,357.45
Bucyrus$2,362.24Liberty Mutual$3,357.16Progressive$2,961.66American Family$1,346.67USAA$1,380.40
Fostoria$2,366.68Liberty Mutual$3,357.16Progressive$2,942.53USAA$1,301.36American Family$1,332.01
Upper Sandusky$2,367.88Liberty Mutual$3,357.16Farmers$2,847.94American Family$1,329.32USAA$1,380.40
Bascom$2,376.36Liberty Mutual$3,357.16Farmers$3,205.79USAA$1,301.36American Family$1,317.91
Kirby$2,377.02Liberty Mutual$3,357.16Farmers$3,022.97American Family$1,353.85USAA$1,380.40
Melmore$2,377.03Liberty Mutual$3,357.16Progressive$3,100.88USAA$1,301.36American Family$1,329.07

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Who are the Best Ohio Car Insurance Companies?

You know you need insurance, now where do you get it? In this next section, we are going to take a look at the insurance providers that do business in Ohio.

When you do a google search for insurance companies in any state you get a lengthy list of various companies. How do you really know which one will work for you and your needs? We are going to see which companies are better for certain rating factors and which ones have the best financial and customer satisfaction ratings.

So sit back and enjoy an OSU game or head out to watch some car racing.

What’s the Financial Rating of the Largest Companies?

Who is AM Best? You can find on their website the following:

AM Best is the only global credit rating agency with a unique focus on the insurance industry. Best’s Credit Ratings, which are issued through A.M. Best Rating Services, Inc., are a recognized indicator of insurer financial strength and creditworthiness.

So we took the top ten largest insurance companies in Ohio and found their rating.

CompanyAM Best RatingDirect PremiumLoss RatioMarket Share
State Farm GroupA++$1,316,29764.59%19.69%
Allstate Insurance GroupA+$687,52751.79%10.29%
American Family Insurance GroupA$176,15357.43%2.64%
Erie Insurance GroupA+$222,86365.38%3.33%
GeicoA++$466,53565.43%6.98%
Grange Mutual Casualty GroupA$344,39960.74%5.15%
Liberty Mutual GroupA$315,30858.71%4.72%
Nationwide Corp GroupA+$536,76860.88%8.03%
Progressive GroupA+$903,17961.44%13.51%
USAA GroupA++$198,01669.89%2.96%

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Luckily, for Ohioans, the largest companies all carry an A or higher rating.

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Which Companies have the Best Ratings?

Financial ratings aren’t the only thing to look at when trying to find a company. We also took a look at customer service.

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Customer service is a huge factor for most consumers. You may like your company’s price, but there are times some would stay with a company due to their excellent customer service even with a price increase.

JD Power uses real consumers to get their opinion and candidness on how auto insurance products and companies are doing.

JD Power North Central Region

 

Which Companies have the Most Complaints in Ohio?

If you are not satisfied with your insurer, you can make a complaint with the state insurance department. Complaints are then compiled into a ratio of complaint per one million dollars of premium.

Company2013 Written PremiumsMarket Share (%)2013 Complaint Ratio
Central Mutual$26,440,5170.490.04
State Auto69,644,1401.280.07
Motorists Mutual88,632,7561.630.11
Cincinnati Insurance128,477,5902.360.12
Travelers42,467,2170.780.12
Western Reserve40,102,4030.740.12
Auto-Owners30,341,5790.560.13
American family103,200,5991.890.15
Nationwide454,751,4668.350.15
Westfield148,615,0952.730.16
Ohio Mutual37,139,7560.680.16
Erie151,364,5632.780.18
State Farm1,029,509,47918.90.19
Safeco109,992,9052.020.19

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Who are the Cheapest Car Insurance Companies in Ohio?

We took the top ten insurance companies in Ohio and compared rates for different rating factors.

CompanyAverage Annual RateCompared to State Average
Allstate F&C$3,197.22$368.0511.51%
American Family Mutual$1,515.17-$1,314.00-86.72%
Farmers Ins of Columbus$3,423.01$593.8517.35%
Geico Cas$1,867.18-$961.98-51.52%
Safeco Ins Co of IL$4,429.74$1,600.5736.13%
Nationwide Mutual$3,300.89$471.7314.29%
Progressive Specialty$3,436.96$607.7917.68%
State Farm Mutual Auto$2,507.87-$321.30-12.81%
Discover Prop & Cas Ins Co$3,135.16$306.009.76%
USAA$1,478.46-$1,350.71-91.36%

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USAA and American Family Mutual have the lowest premiums compared to state average rates.

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What’s the Commute Rate by Companies?

Do you have to commute to work? If so, take a look at the rates by commute.

GroupCommute And Annual MileageAnnual Average
Liberty Mutual10 miles commute. 6000 annual mileage.$4,429.74
Liberty Mutual25 miles commute. 12000 annual mileage.$4,429.74
Progressive10 miles commute. 6000 annual mileage.$3,436.96
Progressive25 miles commute. 12000 annual mileage.$3,436.96
Farmers10 miles commute. 6000 annual mileage.$3,423.01
Farmers25 miles commute. 12000 annual mileage.$3,423.01
Nationwide10 miles commute. 6000 annual mileage.$3,300.89
Nationwide25 miles commute. 12000 annual mileage.$3,300.89
Allstate10 miles commute. 6000 annual mileage.$3,197.22
Allstate25 miles commute. 12000 annual mileage.$3,197.22
Travelers10 miles commute. 6000 annual mileage.$3,135.16
Travelers25 miles commute. 12000 annual mileage.$3,135.16
State Farm25 miles commute. 12000 annual mileage.$2,569.94
State Farm10 miles commute. 6000 annual mileage.$2,445.81
Geico25 miles commute. 12000 annual mileage.$1,899.95
Geico10 miles commute. 6000 annual mileage.$1,834.42
USAA25 miles commute. 12000 annual mileage.$1,534.83
American Family25 miles commute. 12000 annual mileage.$1,533.50
American Family10 miles commute. 6000 annual mileage.$1,496.84
USAA10 miles commute. 6000 annual mileage.$1,422.09

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Most companies do not rate or heavily rate for commuting miles.

Take a look at these 6 major factors affecting auto insurance rates in Ohio.

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What are the Coverage Level Rates by Companies?

More coverage means more premium, right? Not necessarily.

GroupCoverage TypeAnnual Average
Liberty MutualHigh$4,573.32
Liberty MutualMedium$4,451.75
Liberty MutualLow$4,264.14
FarmersHigh$3,655.55
NationwideLow$3,647.54
ProgressiveHigh$3,597.09
ProgressiveMedium$3,408.32
FarmersMedium$3,370.12
AllstateHigh$3,308.32
ProgressiveLow$3,305.47
FarmersLow$3,243.37
NationwideMedium$3,199.58
AllstateMedium$3,190.74
TravelersHigh$3,178.51
TravelersMedium$3,176.78
AllstateLow$3,092.59
NationwideHigh$3,055.56
TravelersLow$3,050.20
State FarmHigh$2,623.40
State FarmMedium$2,515.42
State FarmLow$2,384.79
GeicoHigh$1,935.16
GeicoMedium$1,858.73
GeicoLow$1,807.66
USAAHigh$1,544.99
American FamilyHigh$1,530.18
American FamilyMedium$1,526.68
American FamilyLow$1,488.65
USAAMedium$1,477.00
USAALow$1,413.38

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A company like Nationwide actually gives you a lower premium for more coverage. It is always good to compare rates and even if you think your premium might be too high, get quotes for more coverage.

What are the Credit History Rates by Companies?

Your credit history is a major factor when obtaining rates for insurance. Most consumers think credit history follows you for larger purchases, like a home or car.

GroupCredit HistoryAnnual Average
Liberty MutualPoor$6,349.68
AllstatePoor$4,109.54
NationwidePoor$3,983.93
Liberty MutualFair$3,890.18
FarmersPoor$3,877.82
ProgressivePoor$3,860.18
State FarmPoor$3,573.32
TravelersPoor$3,505.29
ProgressiveFair$3,335.09
FarmersFair$3,273.78
NationwideFair$3,209.33
FarmersGood$3,117.43
ProgressiveGood$3,115.60
TravelersFair$3,050.60
Liberty MutualGood$3,049.35
AllstateFair$2,987.92
TravelersGood$2,849.59
NationwideGood$2,709.43
AllstateGood$2,494.19
GeicoPoor$2,239.10
State FarmFair$2,208.94
American FamilyPoor$2,010.87
USAAPoor$1,919.04
GeicoFair$1,867.18
State FarmGood$1,741.35
GeicoGood$1,495.27
American FamilyFair$1,372.30
USAAFair$1,358.48
American FamilyGood$1,162.34
USAAGood$1,157.84

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The average Ohio resident has a credit score of 678, which is considered a prime credit score.

As you can tell from the table above, poor credit history can cost you thousands in insurance premiums.

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What are the Driving Record Rates by Companies?

Driving record is probably the most obvious factor that affect your insurance rate. Driving safe and cautiously is your best precaution against moving violations on your record. Unfortunately, accidents happen or you are in a rush and go over the speed limit.

Take a look below to see just how much that speeding ticket costs you.

GroupDriving RecordAnnual Average
Liberty MutualWith 1 DUI$4,880.34
Liberty MutualWith 1 accident$4,775.12
TravelersWith 1 DUI$4,539.26
Liberty MutualWith 1 speeding violation$4,341.01
NationwideWith 1 DUI$4,269.79
ProgressiveWith 1 accident$4,028.09
AllstateWith 1 DUI$3,808.65
Liberty MutualClean record$3,722.47
FarmersWith 1 speeding violation$3,688.92
FarmersWith 1 accident$3,634.83
ProgressiveWith 1 speeding violation$3,599.93
FarmersWith 1 DUI$3,544.94
NationwideWith 1 accident$3,364.88
AllstateWith 1 accident$3,250.76
ProgressiveWith 1 DUI$3,156.21
AllstateWith 1 speeding violation$3,040.34
TravelersWith 1 accident$3,009.00
ProgressiveClean record$2,963.60
NationwideWith 1 speeding violation$2,924.39
FarmersClean record$2,823.36
State FarmWith 1 accident$2,730.70
AllstateClean record$2,689.12
TravelersWith 1 speeding violation$2,683.62
GeicoWith 1 DUI$2,645.09
NationwideClean record$2,644.52
State FarmWith 1 DUI$2,507.87
State FarmWith 1 speeding violation$2,507.87
TravelersClean record$2,308.77
State FarmClean record$2,285.04
USAAWith 1 DUI$1,999.49
GeicoWith 1 accident$1,828.67
GeicoWith 1 speeding violation$1,725.85
American FamilyWith 1 DUI$1,536.30
American FamilyWith 1 accident$1,536.30
American FamilyWith 1 speeding violation$1,536.30
USAAWith 1 accident$1,521.70
American FamilyClean record$1,451.77
GeicoClean record$1,269.11
USAAWith 1 speeding violation$1,257.56
USAAClean record$1,135.07

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A DUI conviction will definitely cost you, not only in your insurance premium but with fines and penalties that we will cover as you continue to read.

Who are the Largest Car Insurance Companies in Ohio?

CompanyDirect PremiumsMarket Share
State Farm Group$1,316,29719.69%
Allstate Insurance Group$687,52710.29%
American Family Insurance Group$176,1532.64%
Erie Insurance Group$222,8633.33%
Geico$466,5356.98%
Grange Mutual Casualty Group$344,3995.15%
Liberty Mutual Group$315,3084.72%
Nationwide Corp Group$536,7688.03%
Progressive Group$903,17913.51%
USAA Group$198,0162.96%
Total$6,684,674100%

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Who are the largest car insurance companies in Ohio?

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What’s the Number of Insurers in Ohio?

Ohio has a lot of insurers you can choose from. Insurers are separated into two categories, domestic and foreign. Domestic means the insurer was formed under Ohio state law, while foreign means the insurer was formed in another state.

Ohio has 138 domestic and 851 foreign insurers.

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What are the Ohio State Laws?

Insurance can keep you covered on the road, but state laws can protect and keep you safe. Police cars were first used in Akron, so Ohioans are not messing around when it comes to safety and laws.

We are going to hit some major laws like driving under the influence and speeding to licensing requirements.

It is difficult keeping up with all the different laws, so keep reading and we break them down for you.

What are the Car Insurance Laws?

You must have car insurance to legally drive in the state of Ohio. State laws can influence auto insurance, whether that be with minimum limits or how rates are determined.

According to the National Association of Insurance Commissioners, Ohio must file rate changes before they use them for giving quotes to consumers.

How to Get Windshield Coverage

When you are driving down Interstate 80 and you hear the crack of the windshield from a rock being thrown. There it is, a huge crack stretching over your windshield.

Is it covered? Some insurance carriers will cover the loss under comprehensive coverage, but you will want to check with your company.

Ohio has no specific laws on windshields. You can use aftermarket parts and you can also choose whichever shop you take your car.

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How to Get High-Risk Insurance

SR-22 is filing that may be requested by the courts if you are considered a high-risk driver.

Your insurance company will have to file the SR-22, usually electronically, with the Bureau of Motor Vehicles. This is costly and usually gives you higher rates.

You are considered a high-risk driver for driving under the influence, driving with no insurance, or too many points on your license. Those are just a few violations that can get the unwanted title of a high-risk driver.

Since you are required to have insurance, Ohio has the Ohio Automobile Insurance Plan. This method of insurance is used for drivers that can not get insurance through a voluntary market.

Insurance from the OAIP is usually very expensive and the following requirements are listed on their website:

To be eligible for bodily injury, property damage, medical payments, and physical damage coverages, the applicant must meet the following criteria:

As a prerequisite to consideration for assignment under the Plan, the applicant must certify, in the prescribed application form, that he has attempted, within 60 days prior to the date of application, to obtain automobile insurance in the state, and that he has been unable to obtain such insurance rates equal or less than the Plan.

An applicant so certifying shall be considered for assignment provided that he reports in the prescribed application form all information of a material nature and does not willfully make incorrect or misleading statements in the prescribed application form, or does not come within any of the prohibitions or exclusions shown in Section 2.C.

For bodily injury, property damage, and medical payments coverage, the Plan shall be available to residents and non-residents of the state only with respect to automobiles that are registered or will be registered in the state within 15 days, except that non-residents who are members of the United States military forces, shall be eligible with respect to automobiles registered in other states provided such military non-residents are stationed in this state at the time application is made and are otherwise eligible for insurance under the Plan.

For physical damage coverage, the Plan shall be available to residents and non-residents of the state only with respect to motor vehicles that are registered or will be registered in the state within 15 days and garaged in Ohio, except that non-residents who are members of the United States military forces shall be eligible with respect to motor vehicles registered in other states provided such military non-residents are stationed in this state at the time application is made and are otherwise eligible for insurance under the Plan.

How to Get Low-Cost Insurance

Currently, there are no low-cost insurance options available to Ohio residents. The best way to get the lowest insurance rate is to shop for your insurance.

Luckily you can enter your zipcode below and see if you are getting the best rates.

Is There an Automobile Insurance Fraud in Ohio?

Insurance fraud is a growing and costly problem. The Insurance Information Institute states workers comp, healthcare, and auto insurance are the most susceptible to fraud.

Fraud can be separated into two different categories, soft and hard. Soft fraud is usually considered a misrepresentation of facts or adding extra costs to an existing claim. While hard fraud is a purposefully makes up a claim with no validity.

Fraud is a serious crime and should be reported to the Ohio Insurance Department.

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What’s the Statute of Limitations?

The statute of limitations is the time limit you have to file a claim. Once a loss has occurred, in Ohio, you have two years to file a claim for personal property damage or bodily injury.

It is always important to file a claim as soon as possible to provide accurate information and get your claim settled quickly.

What are the Vehicle Licensing Laws?

Just like insurance, you need a license to drive. In this next section, we are going to go over licensing requirements and the penalties for driving without insurance.

What is a Real ID?

In 2005, Congress enacted the Real Id Act. This act sets strict standards for the issuance of a driver’s license.

If a state is compliant, you can use your real ID driver’s license to board commercial flights and enter government buildings.

Ohio is a compliant state of the Real ID Act.

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What are the Penalties for Driving Without Insurance?

If you are required to have insurance, there are going to be penalties for not having it.

1st Offense2nd Offense
License/plates/registration suspension until requirements are met and $100 reinstatement fee is paid; maintain special high-risk coverage on file with the BMV for three to five years; If involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)License/plates/registration suspension for one year; $300 reinstatement fee; maintain special high-risk coverage on file with the BMV for three or five years; if involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)

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You are required to show proof of insurance any time requested at a traffic stop or other time asked for by a police officer. You can show proof with a valid insurance id card, copy of the current policy, or electronic copy on your smart device.

What are the Teen Driver Laws?

Young Driver Licensing LawsMinimum AgePassenger RestrictionsTime Restrictions
Learner's Permit15 years, six monthsfirst 12 months—no more than one passenger (family members excepted)50 hours of driving, ten of which must be at night
Provisional License16 years old first 12 months—no more than one passenger (family members excepted)midnight-6 a.m. (first 12 months), 1 a.m.-5 a.m. (second 12 months); secondary enforcement
Full License16 years oldrestrictions lifted in 12 months (min. age: 17)restrictions lifted in 24 months (min. age: 18)

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Teen drivers have different restrictions they have to follow while driving.

Restricted License Laws in OhioDetails
Nighttime restrictionsmidnight-6 a.m. (first 12 months), 1 a.m.-5 a.m. (second 12 months) secondary enforcement
Passenger restrictions (family members excepted unless noted otherwise)first 12 months—no more than 1 passenger
Minimum age at which restrictions may be lifted:
Nighttime restrictions24 months (min. age: 18)
Passenger restrictions12 months (min. age: 17)

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What are the License Renewal Procedures for Older Drivers?

Older drivers are not treated any differently than other drivers at renewal time. See below for all renewal information for any age.

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What is the Procedure for New Residents of Ohio?

If you are new, welcome to Ohio! You have 30 days to change your license to an Ohio state license. You will also need to title your vehicle and get Ohio state tags.

What are the License renewal procedures?

License renewal for all drivers is every four years. You can not renew online or by mail, so you must go to a local licensing office in person for your renewal. A vision exam is also required at every renewal.

Who is Considered a Negligent Operator?

Ohio considers any driver that operates a vehicle under such disregard for the lives of others, knowing they are driving carelessly, as reckless driving.

Penalties for driving recklessly can be found here or below:

The consequences of a reckless driving conviction depend on the circumstances. But generally, the possible penalties are:

  • No prior traffic convictions. When a motorist has had no prior motor vehicle or traffic convictions within the past year, reckless operation is a minor misdemeanor. The maximum punishment for a minor misdemeanor is a $100 fine—jail time isn’t a possibility.
  • One prior traffic conviction. Reckless driving is a fourth-degree misdemeanor if the driver has been convicted of one motor vehicle or traffic offense within the past year. A fourth-degree misdemeanor carries up to 30 days in jail and/or a maximum $250 in fines.
  • Two prior traffic convictions. If a driver has been convicted of two or more motor vehicle or traffic offenses within the past year, reckless driving is a third-degree misdemeanor. Convicted motorists face up to 60 days in jail and/or a maximum $500 in fines.

For any reckless operation conviction, a judge can—but isn’t required to—suspend the driver’s license for six months to three years.

That is right, any reckless operation conviction can mean no driving for up to three years.

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What are the Rules of the Road?

The rules of the road are enforced to keep you and other drivers or passengers safe when on Ohio roadways. Keep reading to find out important information about speed limits, seat belts, and more.

Is Ohio at Fault or No-Fault State?

Ohio is an at-fault state for car accidents. This means whoever is at fault for the accident must payout from their insurance policy.

What are the Seat Belt and Car Seat Laws?

Most states have seat belt requirements, Ohio has the below seat belt laws.

Seat Belt Laws in OhioDetails
Effective SinceMay 6, 1986
Primary Enforcementno
Age/Seats Applicable8 through 14 in all seats; 15+ years in front seat
1st Offense Max Fine$30 driver/$20 passenger

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The following table will help you have children in the car needing a child restraint or booster seat.

Type of Car Seat RequiredAge
Rear-Facing Child Restraint3 years and younger or less than 40 pounds
Child Booster Seat4 through 7 years who weigh 40 pounds or more and who are shorter than 57 inches in a child restraint or booster seat
Adult Belt Permissible8 through 14 years

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Ohio has restrictions for riding int he cargo area of a truck. The below are the exceptions to these restrictions:

  • passengers 16 and older
  • passengers 15 and younger if driven less than 25 mph or seated and belted
  • emergencies

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What are the Keep Right and Move Over Laws?

In order to drive in the left lane in Ohio, you must be going at least the speed limit. Driving under the speed limit needs to be in the right lane only.

Move over laws include not only police and emergency vehicles, but also waste collection vehicles and road maintenance. When traveling the same direction, drivers must slow and vacate the closet lane to emergency or designated vehicle.

What’s the Speed Limit?

Speed limits are vital laws that keep drivers and passengers safe.

Type of RoadwaySpeed Limit
Rural Interstates70 mph
Urban Interstates65 mph
Other Limited Access Roads70 mph
Other Roads55 mph

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Please remember, roads are subject to change speed limits especially during construction.

How Does Ridesharing Work?

Ridesharing has become a widely popular form of transportation and a valuable way to make some extra money. If you chose to drive for a ridesharing company, such as Uber or Lyft, you will need to make sure you are covered by your insurance carrier.

The following companies in Ohio provide ridesharing insurance:

  • Allstate
  • Erie
  • Farmers
  • Geico
  • State Farm
  • USAA

You must inform your insurance of your ridesharing to verify you have coverage.

Read More: Rideshare Insurance Coverage

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Is There an Automation on the Road?

Cars driving by themselves are no longer a thing of the future. Ohio currently is testing automation on their roadways. You must have liability insurance and the operator must be licensed.

What are the Safety Laws?

Next up are the major safety laws. Driving under the influence and distracted driving are two major hazards of any roadway.

What are the DUI Laws?

DUI LAW IN OhioDetails
Name for OffenseOperating a Vehicle Under the Influence (OVI)
BAC Limit0.08
High BAC Limit0.17
Criminal Status1st-2nd first degree misdemeanors, 3rd misdemeanor, 4th in 6 years fourth degree felony, + in any time period third degree felony
Look Back Period10 years

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Driving while intoxicated can lead to much higher insurance premiums as we saw earlier, but that is not the only thing. If convicted of operating a vehicle while under the influence, you can face high fines and fees, jail time, and license suspensions.

DUI LAW IN OhioDetails
Name for OffenseOperating a Vehicle Under the Influence (OVI)
BAC Limit0.08
High BAC Limit0.17
Criminal Status1st-2nd first degree misdemeanors, 3rd misdemeanor, 4th in 6 years fourth degree felony, + in any time period third degree felony
Look Back Period10 years

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What are the Marijuana-Impaired Driving Laws?

It is also illegal to be operating a vehicle while impaired by illegal drugs. If two nanograms of THC is found in your system, you can be convicted of driving while under the influence of marijuana.

What are the Distracted Driving Laws?

Cell phones continue to be a huge distraction for any driver. Ohio has some specific laws against the use of cellular devices to help keep roads safe.

There is currently no hand-held band on devices while driving, but if you are found guilty of a moving violation and your use of a device impeded your driving ability you could face a $100 fine on top of any other fines incurred.

Drivers 18 and under are to have no device usage. There is a texting ban on all drivers.

What’s Driving in Ohio like?

Even if you follow all of the above laws in Ohio, there are still dangers from driving on any road. This last section we are going to cover the bad of driving. We will look at auto theft, fatalities, and transportation for Ohio residents.

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Is There a Vehicle Theft in Ohio?

Have you ever walked to your car just to find that it wasn’t there? Dodge Caravans seem to be the hot choice of car thefts in Ohio.

Make/ModelMost Popular Vehicle YearThefts
Dodge Caravan2003679
Chevrolet Impala2007441
Chevrolet Malibu2015343
Chevrolet Pickup (Full Size)1999579
Dodge Pickup (Full Size)2005297
Ford Pickup (Full Size)2004540
Honda Accord1997437
Honda Civic2000325
Jeep Cherokee/Grand Cherokee2000467
Toyota Camry2014308

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We also took a look at each city in Ohio and how many car thefts occur.

CityMotor
vehicle
theft
Ada0
Akron631
Albany0
Alliance22
Amberley Village6
Amelia1
American Township5
Amherst3
Arcanum2
Ashland6
Ashville1
Athens4
Aurora5
Austintown27
Bainbridge Township1
Barberton24
Batavia0
Bath Township, Summit County2
Bazetta Township6
Beavercreek33
Beaver Township4
Bedford45
Bellaire1
Bellbrook1
Bellefontaine9
Belpre4
Berea13
Bethel1
Beverly0
Bexley12
Blanchester3
Blendon Township13
Blue Ash9
Bluffton0
Bowling Green11
Brecksville0
Brewster0
Bridgeport0
Brimfield Township6
Broadview Heights0
Brooklyn68
Brookville7
Brunswick17
Brunswick Hills Township4
Bryan0
Burton0
Cambridge21
Canal Fulton2
Canfield2
Canton438
Cardington2
Celina11
Centerville18
Chagrin Falls2
Champion Township12
Chardon0
Chillicothe33
Cincinnati1,276
Circleville59
Clayton21
Clearcreek Township1
Cleveland4,125
Cleveland Heights76
Clinton Township10
Coalton1
Coitsville Township2
Colerain Township46
Columbiana2
Commercial Point0
Conneaut5
Cortland0
Covington0
Crestline2
Cuyahoga Falls35
Danville1
Dayton615
Deer Park3
Defiance2
Delaware37
Delhi Township17
Delphos4
Delta1
Dover3
Dublin8
Eastlake12
East Palestine2
Eaton16
Englewood14
Evendale6
Fairborn24
Fairfax1
Fairfield46
Fairfield Township12
Fairport Harbor6
Findlay27
Forest Park31
Fort Recovery0
Franklin Township2
Fredericktown1
Fremont17
Gahanna15
Galion10
Gallipolis4
Gates Mills1
Georgetown1
Germantown1
German Township, Clark County0
German Township, Montgomery County0
Girard10
Goshen Township, Mahoning County7
Grafton1
Grandview Heights6
Greenfield6
Greenhills0
Greenville15
Grove City46
Groveport9
Hamilton202
Hamilton Township, Warren County5
Harrison5
Hartville2
Heath22
Hebron0
Highland Heights4
Hilliard27
Hillsboro6
Hinckley Township1
Holland2
Howland Township18
Hubbard7
Hubbard Township4
Huber Heights46
Hudson5
Hunting Valley0
Independence0
Indian Hill0
Jackson9
Jackson Center3
Jackson Township, Montgomery County2
Jackson Township, Stark County23
Johnstown0
Kent16
Kenton2
Kettering60
Kirtland2
Kirtland Hills0
Lawrence Township6
Lebanon14
Liberty Township7
Lima95
Lithopolis0
Lockland18
Lodi2
Logan10
London4
Lorain79
Loudonville1
Louisville6
Loveland1
Lowellville0
Lyndhurst0
Madeira1
Mansfield74
Mariemont0
Marietta7
Martins Ferry2
Marysville8
Mason13
Massillon31
Matamoras0
Maumee19
McArthur2
McConnelsville0
Medina0
Medina Township1
Mentor40
Miamisburg25
Miami Township, Clermont County17
Miami Township, Montgomery County26
Middlefield1
Middleport1
Middletown95
Mifflin Township6
Milford3
Millersburg4
Minerva Park0
Monroe11
Monroeville2
Montgomery2
Montpelier2
Montville Township0
Moraine17
Moreland Hills0
Mount Vernon1
Napoleon1
Navarre3
Nelsonville5
New Albany0
Newark74
New Boston8
Newcomerstown3
New Concord0
New Franklin2
New Lebanon4
New Lexington1
New London0
New Philadelphia3
Newtown2
Niles28
North Canton12
North College Hill23
North Ridgeville5
Northwood6
Norton8
Norwalk3
Norwood40
Oak Harbor1
Oak Hill1
Oberlin2
Obetz12
Olmsted Falls0
Olmsted Township4
Ontario7
Oregon30
Orrville0
Ottawa Hills3
Oxford13
Painesville9
Parma Heights12
Paulding0
Perrysburg11
Perrysville0
Perry Township, Columbiana County0
Perry Township, Franklin County0
Perry Township, Montgomery County5
Pierce Township4
Pioneer0
Piqua23
Poland Township2
Poland Village0
Port Clinton2
Portsmouth51
Powell2
Powhatan Point0
Reminderville3
Richfield4
Richmond Heights23
Richwood3
Rio Grande0
Rittman9
Riverside46
Rocky Ridge0
Roseville1
Rossford1
Russell Township0
Sabina2
Sagamore Hills1
Salem6
Salineville0
Sandusky21
Sebring1
Seven Hills1
Shaker Heights49
Shawnee Township3
Sheffield Lake1
Shelby5
Sidney21
Silverton16
Solon13
South Bloomfield4
South Charleston2
South Euclid15
South Point0
South Russell0
Spencerville0
Springboro7
Springdale31
Springfield236
Springfield Township, Hamilton County57
Springfield Township, Mahoning County3
Springfield Township, Summit County8
St. Clair Township0
Stow3
Strasburg1
Streetsboro1
Strongsville20
Struthers3
Sugarcreek Township2
Sylvania Township34
Tallmadge10
Tipp City5
Toledo41,064
Toronto0
Trotwood88
Troy25
Twinsburg8
Uhrichsville3
Union3
Uniontown5
University Heights6
Upper Arlington3
Upper Sandusky1
Urbana3
Utica5
Vandalia32
Van Wert2
Vermilion3
Village of Leesburg2
Wadsworth8
Waite Hill0
Walbridge0
Walton Hills0
Wapakoneta2
Warren130
Warren Township5
Washington Court House5
Waterville0
Wauseon0
Waverly1
Weathersfield6
Wellston12
Wells Township2
West Alexandria0
West Carrollton35
West Chester Township29
Westerville9
West Jefferson9
West Lafayette1
West Liberty1
Whitehall72
Whitehouse2
Williamsburg2
Willoughby20
Wintersville1
Woodlawn4
Woodmere Village0
Wooster25
Worthington5
Wyoming8
Xenia25
Yellow Springs0
Youngstown297
Zanesville32

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What’s the Number of Road Fatalities in Ohio?

Next, we are going to cover fatalities on the roads of Ohio. We give you this information to help educate drivers to help prevent other fatalities from happening.

What’s the Most Fatal Highway in Ohio?

Interstate 71 is the most fatal highway in Ohio. This road has an average of 18 fatal crashes in one year.

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What’s the Number of Fatal Crashes by Weather Condition and Light Condition?

Drivers often think accidents happen in bad weather or late at night. While those times do make driving more difficult and safety is definitely an issue, more accidents happen in normal weather conditions and daylight hours.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal507172237421959
Rain3621284190
Snow/Sleet124121029
Other1172011
Unknown003025
TOTAL5561982874941,094

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What’s the Number of Fatalities by Ohio County?

Below is a list of Ohio counties and fatalities in each county.

County Name20132014201520162017
Adams25554
Allen7981411
Ashland58569
Ashtabula209181617
Athens713561
Auglaize107844
Belmont11610410
Brown75557
Butler1929292331
Carroll45345
Champaign615116
Clark1416241217
Clermont2126161911
Clinton4123310
Columbiana1120885
Coshocton277116
Crawford67513
Cuyahoga5646758295
Darke671374
Defiance48769
Delaware1012132314
Erie10511118
Fairfield916141214
Fayette87997
Franklin7674859488
Fulton121111119
Gallia41626
Geauga1014101611
Greene4581122
Guernsey971910
Hamilton3849546258
Hancock6810184
Hardin93646
Harrison46354
Henry2210510
Highland53794
Hocking61446
Holmes63445
Huron961096
Jackson735710
Jefferson361114
Knox36686
Lake141014119
Lawrence74534
Licking1419232030
Logan68939
Lorain1410343833
Lucas3441343549
Madison498510
Mahoning2518222119
Marion11135812
Medina21511818
Meigs53654
Mercer74547
Miami910111413
Monroe34233
Montgomery5542566049
Morgan40664
Morrow115121012
Muskingum9131069
Noble35420
Ottawa97466
Paulding63462
Perry34452
Pickaway141351310
Pike811338
Portage12821149
Preble6510816
Putnam05333
Richland91217610
Ross1097207
Sandusky1011101211
Scioto10913118
Seneca1434311
Shelby685811
Stark2644193233
Summit2932254147
Trumbull2112181412
Tuscarawas887620
Union86964
Van Wert74354
Vinton37763
Warren1710151615
Washington966713
Wayne1118141320
Williams469104
Wood1915301316
Wyandot13423

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What’s the Number of Traffic Fatalities?

Roadway Type 2008200920102011201220132014201520162017
Rural762660713661640513496492508552
Urban429362366356481471506610614620

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What’s the Number of Fatalities by Person Type?

Person Type20132014201520162017
Passenger Vehicle Occupant744764793773851
Motorcyclists132136168199157
Pedestrian8587116134142
Bicyclist and Other Cyclist1911251819
Other/Unknown Nonoccupants988810

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What’s the Number of Fatalities by Crash Type?

Crash Type20132014201520162017
Involving a Single Vehicle560540593593641
Involving a Large Truck131130167123164
Involving Speeding273274207257252
Involving a Rollover232253231241254
Involving a Roadway Departure590625658670670
Involving an Intersection (or Intersection Related)217256295320327

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Five-Year Trend For The Top 10 Counties

County20132014201520162017
Cuyahoga5646758295
Franklin7674859488
Hamilton3849546258
Lucas3441343549
Montgomery5542566049
Summit2932254147
Lorain1410343833
Stark2644193233
Butler1929292331
Licking1419232030

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What’s the Number of Fatalities Involving Speeding by County?

Speeding is a big factor in many accidents. Take a look below to find your county and see how many speeding fatalities occur.

County20132014201520162017
Adams11020
Allen21122
Ashland32122
Ashtabula62146
Athens23101
Auglaize31300
Belmont43232
Brown02200
Butler79645
Carroll20000
Champaign20121
Clark46421
Clermont515631
Clinton34201
Columbiana48030
Coshocton22041
Crawford03201
Cuyahoga2618313434
Darke10000
Defiance03302
Delaware62440
Erie21252
Fairfield22100
Fayette13413
Franklin10169158
Fulton11000
Gallia10102
Geauga25131
Greene01312
Guernsey22044
Hamilton121351617
Hancock02112
Hardin01011
Harrison13121
Henry10221
Highland10321
Hocking31221
Holmes22001
Huron11141
Jackson11112
Jefferson21303
Knox22102
Lake53402
Lawrence30202
Licking56149
Logan12101
Lorain424118
Lucas1013657
Madison11423
Mahoning83265
Marion11000
Medina13425
Meigs00121
Mercer00001
Miami30023
Monroe01011
Montgomery199151613
Morgan20112
Morrow21222
Muskingum45034
Noble00120
Ottawa00110
Paulding00100
Perry21001
Pickaway35012
Pike13013
Portage41512
Preble11125
Putnam01112
Richland15723
Ross33090
Sandusky56221
Scioto22330
Seneca20000
Shelby22123
Stark5133910
Summit141121210
Trumbull84432
Tuscarawas233210
Union51120
Van Wert12010
Vinton00111
Warren43432
Washington13445
Wayne23243
Williams13021
Wood53212
Wyandot02000

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What’s the Number of Fatalities in Crashes Involving an Alcohol-Impaired Driver by County?

We saw earlier the penalties for driving under the influence. You can lose your license, get jail time, and have fines. Sadly, you can also lose your life or take the life of someone else.

Below we have tables showing the number of fatalities in alcohol-related accidents by Ohio county.

County20132014201520162017
Adams11220
Allen22245
Ashland12122
Ashtabula74775
Athens23100
Auglaize13010
Belmont31312
Brown13100
Butler611789
Carroll00101
Champaign00232
Clark89722
Clermont26762
Clinton22101
Columbiana27153
Coshocton02241
Crawford00101
Cuyahoga1925293432
Darke12522
Defiance14223
Delaware22643
Erie00341
Fairfield42454
Fayette21113
Franklin2027253427
Fulton30421
Gallia30103
Geauga16342
Greene22255
Guernsey41023
Hamilton2318162022
Hancock24331
Hardin00020
Harrison01220
Henry00524
Highland11231
Hocking20300
Holmes10000
Huron10231
Jackson51042
Jefferson14401
Knox23003
Lake42367
Lawrence21101
Licking333410
Logan12101
Lorain74101110
Lucas1113121018
Madison13411
Mahoning15768
Marion34022
Medina15644
Meigs00213
Mercer00203
Miami11331
Monroe11011
Montgomery1620191720
Morgan10101
Morrow10312
Muskingum21230
Noble12110
Ottawa22202
Paulding20030
Perry21020
Pickaway33035
Pike02011
Portage23343
Preble13311
Putnam01211
Richland52624
Ross40240
Sandusky21242
Scioto42320
Seneca22106
Shelby23245
Stark101641010
Summit12146189
Trumbull24422
Tuscarawas51118
Union00320
Van Wert00000
Vinton01101
Warren54115
Washington10314
Wayne14142
Williams11320
Wood23634
Wyandot00100

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Alcohol-Impaired Driving Fatalities Involving High BAC OhioNational
BAC=.15+73.170.1

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What’s the Ranking for Teen Drinking and Driving?

Ohio is ranked 43rd in the nation for underage drinking arrests.

Ohio is cracking down on laws regarding the “social host liability”. This means the following which can be found on the FindLaw website:

Under these laws, a “social host” (an individual or business who serves alcohol in a social setting) is not only prohibited from providing alcohol to people under the age of 21, but he or she may also be responsible if these minors kill or injure someone while intoxicated from alcohol served by the social host. Note that a host is only liable to a third party when the injury is caused by a guest under 21 years old.

So if you are hosting a party with alcohol, please be aware of underage party guests that could be consuming alcohol.

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What’s the EMS Response Time?

The first ambulance service was created in Ohio. If you are in an accident you are totally dependent on the emergency medical response teams.

Below is a graph showing response times for rural and urban areas.

Time of Crash to EMS NotificationEMS Notification to EMS Arrival
EMS Arrival at SceneTime of Crash to Hospital Arrival
Rural6.9711.4739.3354.17
Urban4.676.6325.6836.07

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What’s the Transportation like in Ohio?

The last section to be covered will be transportation. The following sections will have graphs showing car ownership, commute times, and commuter transportation. These graphs will show Ohio in orange and the US average in gray.

What is the Percentage of Car Ownership?

Like most Americans, Ohio families are usually two-car families.

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What’s the Average Commute Time?

The average Ohioan driver has a slightly shorter commute time at a little over 22 minutes versus a little over 25 minutes for most US workers.

What’s the Preferred Commuter Transportation?

The vast majority of workers across the nation prefer to drive alone to work.

Is There a Traffic Congestion in Ohio?

We took a look at four of the most congested cities in Ohio. How many hours do you spend in traffic?

URBAN AREA2018 World RankHOURS LOST IN CONGESTIONCOST OF CONGESTION (PER DRIVER)INNER CITY TRAVEL TIME (MINUTES)
Columbus, OH13571$9904
Cleveland, OH161628694
Cincinnati, OH16960$8344
Toledo, OH21336$5073

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Do you feel ready to get your quote? You know how much insurance you need, which companies are in your state with the best rates, and also Ohio state laws.

We hope you feel confident and ready to fully cover you and your vehicle. You can even enter your zip code here and be well on your way to getting the best rates.

And, as always, GO BUCKS!

Resources

https://www.thehartford.com/aarp/car-insurance/ohio/state-driving https://midohio.com/ https://bmv.ohio.gov/dl-mandatory-insurance.aspx https://www.insurance.ohio.gov/Consumer/OCS/CompleteGuides/CompleteAutoGuide_web.pdf  https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists https://web.ambest.com/home https://www.insurance.ohio.gov/Pages/default.aspx https://www.thebalance.com/the-average-credit-score-by-state-4161310 https://www.50states.com/facts/ohio.htm https://www.naic.org/prod_serv/AUT-PB-15.pdf http://www.carwindshields.info/states http://www.assignedriskohio.com/ https://www.iii.org/article/background-on-insurance-fraud https://www.insurance.ohio.gov/aboutodi/ODIDiv/Pages/offfraudenforce.aspx https://www.dhs.gov/real-id https://ohio.gov/wps/portal/gov/site/residents/resources/bmv-new-residents-guide https://drivinglaws.aaa.com/tag/drivers-license-renewal/ https://www.drivinglaws.org/resources/ohio-reckless-driving-operation-laws.htm https://www.iihs.org/topics/seat-belts/cargo-area-restrictions-laws https://drivinglaws.aaa.com/tag/move-over-law/ https://www.iihs.org/topics/advanced-driver-assistance/autonomous-vehicle-laws https://www.responsibility.org/alcohol-statistics/state-map/state/ohio/issue/marijuana-drug-impaired-driving-laws/ https://www.iihs.org/topics/distracted-driving/cellphone-use-laws#fn6 https://www.geotab.com/the-most-dangerous-highways-in-america/ https://www.findlaw.com/state/ohio-law/underage-drinking-and-social-host-liability-in-ohio.html

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State Minimum Car Insurance Rates Nationwide
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Average Monthly Car Insurance Rates by Age & Gender in Ohio
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Ohio Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Ohio
Ohio Car Insurers by Market Share %
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Ohio
Monthly Ohio Car Insurance Rates by ZIP Code
Ohio Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Ohio
Ohio Car Insurers by Market Share %
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Ohio
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Ohio Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Ohio
Ohio Car Insurers by Market Share %