cheapest full coverage insurance in ohio

Cheapest Full Coverage Insurance In Ohio
Full Coverage Car Insurance Ohio

Cheapest Full Coverage Insurance in Ohio: All About Full Coverage in Ohio

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By Alexis Karapiperis | Customer Service Representative at | Powered by A Plus Insurance

Requirements for Auto Insurance in Ohio

In Ohio, it is mandatory to have the State’s Minimum Requirement for liability auto insurance.

Bodily Injury For One PersonBodily Injury For Multiple PersonsProperty Damage
Cheapest Full Coverage Insurance In Ohio
Cheapest Full Coverage Insurance In Ohio
Cheap Full Coverage Insurance in Ohio

Liability insurance is meant to cover you financially in the event of an accident that you are found responsible in causing. It will cover up to the amount set for any bodily injuries or property damage done to the other party involved in the accident.

Liability insurance will not cover any of the expenses in damages that occurred to you or your vehicle.

The table chart below will demonstrate, on average, what clients could pay for their liability only auto insurance

CarriersAverage Price
National General$93
Mendota Ins. Company$102
Progressive Insurance$104
The General$109
Acceptance RTR$122
Bristol West$129
American Family$155
21st Century$160
Liability Only Insurance Ohio Rates

Full Coverage Car Insurance

Full coverage is an option that will be offered when getting car insurance. It will consist of two components known as Comprehensive and Collision coverage.

This will cover damages that occurred to the vehicle from factors such as a tree branch falling, fire, flood, a deer hitting the car, theft, vandalism, etc.
This coverage will cover any damage that happened to your vehicle from colliding with another car or object, such as a pole, whether the vehicle was parked or actively moving.

In the case that you will need to use either of these coverages, you will need to pay your deductible first. Your deductible normally be either $500 or $1,000. The higher you set your deductible, the lower the auto premium will be. This is due to the insurance carrier viewing you as taking on more financial responsibility.

In the table chart below, you can see on average, what others may expect to pay for a full coverage policy amongst the carriers.

CarriersAverage Price
Progressive Insurance$139
Bristol West$144
American Family$155
State Farm$158
Mendota Ins. Company$159
The General$159
National General$160
Acceptance RTR$182
Full Coverage Car Insurance Ohio Rates

It is important to remember that auto insurance consist of multiple factors. Your premium will differ from another individual’s premium due to:

  • Age
  • Gender
  • Location (State/City)
  • Driving History/Record
  • Vehicle Make/Model
  • Type of Coverages/Coverage Limits
  • Etc.
Cheap Full Coverage Insurance In Ohio
Cheap Full Coverage Insurance in Ohio

Should I Get Full Coverage Calculator

In some cases full coverage may be required by your bank, dealership, or lienholder. Although in other cases, you may not need full coverage due to the vehicle being older than 10 years. This Calculator should help give you an idea on whether full coverage could be the right option for you.

If you are still unsure about whether you should get full coverage or not, you may always speak with an A Plus Insurance agent to help guide you in the right direction.

Our agents are readily available to help assist you through phone call, text message, or email.

Overall Thoughts On Full Coverage

Full coverage is a great option to add on to an auto policy. It helps with lessening the overall cost of expenses of any damages done to the car for the insured. For example, instead of paying $4,000 for damages caused to the car, you would pay your deducible limit and then your insurance would cover the rest.

If you want to get the cheapest full coverage insurance in Ohio and have all your questions answered, call A Plus Insurance and get started on your free quote today!


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Last Updated on by Alexis Karapiperis