- Cheap, Competitive Liability Coverage: All about Ohio Liability Insurance
- Ohio Liability Insurance – What are the State Minimum Requirements?
- Affordable Ohio Liability Insurance Companies
- How Much Does Ohio liability insurance cost with violations?
- Cost For Liability Only (By City)
- Who Has The Lowest Liability Price? (By City)
- Ohio Liability Insurance State Minimum Requirements
- Ohio Liability Insurance – Penalties for Driving without Auto Insurance
- Discounts Available for Cheap Ohio Insurance
- Insurance Discount Calculator
- Optional Ohio Liability Insurance Coverages
- Ohio Liability Insurance – What can Increase my Car Insurance Rate?
- Should I Upgrade To Full Coverage? Cost By City
- INSURANCE SERVICES WE OFFER
- Ohio Liability Insurance – Related Links
Ohio Liability Insurance – What are the State Minimum Requirements?
All States require different coverages to make drivers legal on the road. Ohio requires drivers to carry liability limits of at least $25,000 for bodily injury protection, up to $50,000 for each accident, and $25,000 for property damage. Drivers are able to increase their liability limit for greater coverage if desired. It is advised that you match your liability limits to your assets so that you are able to cover any damages you are liable for in the event of an At Fault Accident. If your liability limits are not sufficient to cover the damages, you could be at risk of being sued by the other party.
| Coverage | Required? |
|---|---|
| Bodily Injury Liability | Required |
| Bodily Injury Property Damage | Required |
| Uninsured/Underinsured Motorist | NOT Required |
| Medical Payments | NOT Required |
| Comprehensive/Collision | NOT Required |
Affordable Ohio Liability Insurance Companies
When searching for affordable liability Insurance in Ohio, it is important to check into multiple insurance companies to ensure you are receiving the best policy for your needs. Each person’s needs will vary depending on the vehicle they have, coverages desired, additional endorsements available, and discounts.
Our Agents at A Plus Insurance are licensed with several Insurance companies, which makes searching for insurance easy for you! Call us today for a free insurance quote, and our agents will be able to compare prices with several companies to find you the best coverage for the most competitive prices.
| Average Cost Monthly | Company |
|---|---|
| $127.00 | Geico |
| $179.00 | Allstate |
| $108.00 | USAA |
| $142.00 | Liberty Mutual |
| $124.00 | Farmers |
| $175.00 | Nationwide |
| $134.00 | American Family |
| $107.00 | Bristol West |
| $101.00 | Dairyland |
| $155.00 | GAINSCO |
| $111.00 | AssuranceAmerica |
| $108.00 | Progressive Insurance |
How Much Does Ohio liability insurance cost with violations?
Prices for liability Insurance will vary based on several factors such as the driver, location, type of vehicle, and the insured’s driving record. Drivers who have no violations on their record will pay the least amount in auto insurance because they are considered low-risk, and favorable for Insurance companies.
If you have been convicted of a major, or even minor violation such as a speeding ticket, your insurance premiums will likely increase as a result. Minor violations will stay on your driving record for 3 years, while major violations will stay on your record for 5 years. Once the violations have completely fallen off your record, your insurance prices will start to decrease. Check below to see the low-end cost vs. high-end cost for liability insurance in Ohio with violations.
| Company | Low | High |
|---|---|---|
| Progressive Insurance | $110.00 | $180.00 |
| The General | $80.00 | $145.00 |
| National General | $110.00 | $180.00 |
| Dairyland | $100.00 | $145.00 |
| Mendota Ins. Company | $75.00 | $110.00 |
| Farmers | $110.00 | $180.00 |
| Liberty Mutual | $110.00 | $180.00 |
| AssuranceAmerica | $110.00 | $180.00 |
| Bristol West | $90.00 | $145.00 |
| 21st Century | $65.00 | $120.00 |
| American Family | $110.00 | $180.00 |
| Geico | $95.00 | $120.00 |
Cost For Liability Only (By City)
| City | Price |
| Warren | $101.00 |
| Upper Arlington | $110.00 |
| Columbus | $99.00 |
| Medina | $87.00 |
| Shaker Heights | $87.00 |
| Hilliard | $102.00 |
| Euclid | $90.00 |
| Mason | $91.00 |
| Stow | $95.00 |
| Brunswick | $106.00 |
| Lancaster | $88.00 |
| Marysville | $100.00 |
| Lorain | $106.00 |
| North Royalton | $98.00 |
| North Olmsted | $96.00 |
| Boardman | $106.00 |
| Kettering | $93.00 |
| Cleveland Heights | $108.00 |
| Mentor | $89.00 |
| Oxford | $87.00 |
| Hudson | $94.00 |
| Beavercreek | $97.00 |
| Grove City | $90.00 |
| Austintown | $107.00 |
| Wadsworth | $90.00 |
| Willoughby | $93.00 |
| Gahanna | $105.00 |
| Canton | $110.00 |
| Springfield | $88.00 |
| Cleveland | $107.00 |
| Solon | $94.00 |
| Westlake | $92.00 |
| Wooster | $102.00 |
| Middletown | $89.00 |
| Reynoldsburg | $106.00 |
| Kent | $109.00 |
| Lakewood | $102.00 |
| Troy | $87.00 |
| Dayton | $105.00 |
| Akron | $110.00 |
| Cincinnati | $98.00 |
| Fairborn | $96.00 |
| Sandusky | $105.00 |
| Newark | $108.00 |
| Massillon | $97.00 |
| Toledo | $90.00 |
| Avon Lake | $99.00 |
| Huber Heights | $104.00 |
| Cuyahoga Falls | $95.00 |
| Westerville | $91.00 |
| Xenia | $103.00 |
| Barberton | $109.00 |
| Garfield Heights | $106.00 |
| Dublin | $89.00 |
| Findlay | $91.00 |
| Maple Heights | $103.00 |
| Green | $101.00 |
| Hamilton | $93.00 |
| Bowling Green | $99.00 |
Who Has The Lowest Liability Price? (By City)
| City | Company |
| Lancaster | Progressive |
| Middletown | Geico |
| Gahanna | Dairyland* |
| Maple Heights | Geico |
| Wooster | Bristol West |
| Canton | National General |
| North Royalton | Progressive |
| Centerville | National General |
| Lima | Liberty Mutual |
| Medina | Progressive |
| Marion | Bristol West |
| Xenia | Progressive |
| Kettering | The General |
| Hudson | National General |
| Massillon | Geico |
| Upper Arlington | The General |
| Fairfield | Progressive |
| Lorain | Progressive |
| Solon | Dairyland* |
| Columbus | Bristol West |
| Barberton | Geico |
| Springfield | Progressive |
| Parma | Progressive |
| Toledo | Geico |
| Dublin | The General |
| Mason | The General |
| Euclid | The General |
| Warren | Progressive |
| Grove City | Geico |
| Dayton | Progressive |
| Youngstown | The General |
| Troy | Progressive |
| Riverside | The General |
| Trotwood | Progressive |
| Findlay | Farmers |
| Garfield Heights | Geico |
| Beavercreek | Farmers |
| Avon Lake | Liberty Mutual |
| Cincinnati | Liberty Mutual |
| Willoughby | Dairyland* |
| Athens | The General |
| Hilliard | Farmers |
| Green | Geico |
| Oxford | Progressive |
| Wadsworth | National General |
| Cleveland | Progressive |
| Bowling Green | Liberty Mutual |
| Westlake | Geico |
| Delaware | Geico |
| Huber Heights | Progressive |
| Cleveland Heights | Geico |
| Marysville | Progressive |
| Hamilton | Liberty Mutual |
| Strongsville | Geico |
| Westerville | Farmers |
| Boardman | Progressive |
| Kent | The General |
| North Olmsted | The General |
| Austintown | Liberty Mutual |
| Fairborn | The General |
| Shaker Heights | The General |
| Zanesville | Liberty Mutual |
| Elyria | The General |
| Mansfield | Progressive |
| Cuyahoga Falls | Progressive |
| Lakewood | Dairyland* |
| Akron | Geico |
| Newark | Progressive |
| Brunswick | Geico |
| Avon | Progressive |
| Stow | Progressive |
| Sandusky | Geico |
| Mentor | National General |
Ohio Liability Insurance State Minimum Requirements
Leasing a car and financing a car in Ohio are two different things, which will require different coverages aside from the Ohio Minimum Liability requirements. If you are leasing a vehicle, most financial leasing companies require liability limits of at least 50/100/50 and full coverage which would include Comprehensive and Collision coverage. Its advised to check with the leasing company to make sure you have the right requirements, as all will vary on their requirements.
If you are financing a vehicle, most lenders will require you to carry full coverage on your vehicle, like leasing, but the liability limits can be kept at the State Minimum Required, instead of having to increase those. Lenders may not want you to exceed a $500 deductible for Comprehensive and Collision, while others will allow you to go as high as $1000 deductibles. Check with your lender for any stipulations to ensure you are getting the correct coverage.
Ohio Liability Insurance – Penalties for Driving without Auto Insurance
Driving without Insurance in Ohio could lead to fines, penalties and license suspension. Even more importantly, if you are found At Fault in an accident without insurance, you would be financially responsible for medical expenses and property damage to the other driver involved in the accident. If you do not have at least liability insurance, you may risk the possibility of a law suite.
For first-offense drivers without insurance, your license will be suspended until all requirements are met. There is a $160 restoration fee for vehicle registration and plates or plates and registration could be confiscated for 30 days.
For second-offense drivers your license will be suspended for a year, a $360 restoration fee will be applied or registration and plates will be confiscated for 60 days, and fines will be decided by the court.
For third-time offenses, driver’s license will be suspended for at least 3 years, a $660 restoration fee or 5-year suspension of registration and plates may apply. Additional fees will be determined by the court.
Discounts Available for Cheap Ohio Insurance
Looking to cut down on the cost of your Liability Insurance in Ohio? Many companies offer a wide array of discounts to help do just that. Check below to see which discounts you may be comfortable with, and how much they can save on your monthly insurance price.
Insurance Discount Calculator
Optional Ohio Liability Insurance Coverages
Insurance is customizable, meaning you do not need to pay for coverages you do not wish to have. Drivers are able to carry the Minimum liability requirements, as well as add on some additional coverages for a small additional fee. Roadside assistance is usually a very low cost to add onto an insurance policy, while Uninsured/Underinsured Motorists could raise the cost by a few hundred dollars over the course of their insurance term.
Check with your Insurance provider for an estimate of what these additional coverages may cost.
| Uninsured/Underinsured Motorist Bodily Injury Protection |
| Uninsured/Underinsured Motorist Property Damage |
| Medical Payments/PIP |
| Roadside Assistance |
| Rental Reimbursement |
| Gap Insurance |
Ohio Liability Insurance – What can Increase my Car Insurance Rate?
Have you had your Insurance policy increase in price and you are not understanding why? There are a few reasons why your cost of insurance could have gone up. Of course, if you add vehicles or change coverages on your policy, it will likely increase your premium. In most cases if you add an additional driver to the policy it will increase, in some cases it may go down if you are married and the other driver has an excellent driving record. Other factors that will negatively impact your insurance premium are traffic violations and Accidents.
| Traffic Violations |
| At Fault Accidents |
| Adding Vehicles/Changing Coverages |
| Lapse In Insurance Coverage |
| Adding a Driver to your Policy |
| Insurance Renewal (Amount of Accidents/claims in surrounding areas) |
Should I Upgrade To Full Coverage? Cost By City
| City | Price |
| Medina | $158 |
| Hamilton | $164 |
| Dublin | $173 |
| Delaware | $150 |
| Mason | $171 |
| Euclid | $176 |
| North Royalton | $162 |
| North Ridgeville | $172 |
| Toledo | $162 |
| Massillon | $150 |
| Mansfield | $159 |
| Fairfield | $146 |
| Dayton | $172 |
| Hudson | $155 |
| Cincinnati | $169 |
| Gahanna | $179 |
| Fairborn | $179 |
| Athens | $162 |
| Reynoldsburg | $147 |
| Wadsworth | $178 |
| Shaker Heights | $154 |
| Huber Heights | $170 |
| Avon Lake | $162 |
| Canton | $177 |
| Upper Arlington | $165 |
| Youngstown | $153 |
| Hilliard | $169 |
| Newark | $181 |
| Stow | $151 |
| Findlay | $153 |
| Parma | $154 |
| Zanesville | $168 |
| North Olmsted | $181 |
| Centerville | $146 |
| Green | $155 |
| Columbus | $159 |
| Boardman | $175 |
| Barberton | $149 |
| Troy | $154 |
| Marysville | $148 |
| Marion | $156 |
| Mentor | $155 |
| Brunswick | $146 |
| Austintown | $179 |
| Trotwood | $151 |
| Strongsville | $177 |
| Maple Heights | $177 |
| Kent | $147 |
| Avon | $175 |
| Solon | $168 |
| Grove City | $152 |
| Wooster | $171 |
| Cleveland | $172 |
| Kettering | $178 |
| Willoughby | $173 |
| Springfield | $150 |
| Beavercreek | $170 |
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Ohio Liability Insurance – Related Links
| Additional Ohio Insurance |
|---|
| SR22 Insurance in Ohio |
| Business Insurance Quote |
| Auto Insurance in Oklahoma |
Last Updated on by Lauren Mckenzie