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How to Get Car Insurance in Ohio

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In the world of online easy quotes, getting car insurance is a fairly painless process. To get you started, we cover some of the basic need-to-knows. Some popular online providers to get quotes from include:

  • Geico
  • Progressive
  • Frankenmuth
  • Grange
  • State Farm
  • Nationwide
  • Farmers
  • To name a few….

Quotes & Rates - Factors

When you visit a site or call in for a quote, here are some factors and, therefore, info you need handy to get insurance quotes. This information will help the insurance company estimate your monthly and 6-month costs for coverage.

Make sure you have handy: your vehicle’s make, model, and year (e.g. Honda Civic 2015). The insurance company will also look up your driving record and credit history. You will also need to determine what deductible level you want. This is how much you pay out of pocket before your insurance kicks in. The higher the deductible, the lower your monthly rate. Your deductible may be $500 for example. Then, if you cause an accident, you will have to pay $500 out of pocket before your insurance covers the other costs.

Savings Pro Tip: There are a plethora of insurance providers. So, take the time to call around and explore your options. You can easily get quotes within minutes online as well. In addition, you should compare quotes every few years to ensure you are getting the best deal.

Some other ways to reduce your insurance costs:

  • Have a clean driving record (no tickets or accidents)
  • Have anti-theft technology in your car
  • Increase your deductible (e.g. from $500 to $1000) -- this is how much you must pay first before your insurance covers the remaining amount
  • Drop collision and/or comprehensive insurance if you drive a beater. These are used to cover replacement costs of your car. If these costs are fairly low, you may choose to not cover replacements costs for your own car by not paying for collision/comprehensive coverage.
  • Search for discounts -- “good student,” defensive driving certificate, through your company or an organization you belong to, etc.
  • Lower your liability limits
  • If you have more than one car, you often get a discount for using the same company. Sometimes you can even “bundle” your car and house or other insurance items to get discounts (e.g. home/apartment, motorcycle, life, etc.)
  • If you have a company vehicle and your personal one is only used on the weekends, you may be able to classify it as a leisure vehicle (lowering your rate). Winning!


Another factor affecting your rate is the type of vehicle you drive. If you drive one of the ones below, your rate will be higher. Why?! Because, these are the most stolen vehicles in Ohio, according to

  1. Dodge Caravan.
  2. Chevrolet Pickup (Full Size).
  3. Ford Pickup (Full Size).
  4. Jeep Cherokee/Grand Cherokee.
  5. Chevrolet Impala.
  6. Honda Accord.
  7. Chevrolet Malibu.
  8. Honda Civic.
  9. Toyota Camry.
  10. Dodge Pickup (Full Size).

Additional Coverage Options

Ohio has minimum coverage requirements that ALL drivers must have before taking to the open road. While you are only required to have insurance that covers bodily injury and the property of others, you should probably review other additional coverage options. Adding additional coverage helps to increase your financial protection in case of an accident

If you have something terrible happen to you or cause serious damage to someone else or their property and your coverage level is not enough to repair the damages, the law allows the victims to go after your other assets (e.g. other vehicles, home, land, etc.) in order to cover the damage. It is even possible for your wages to be “garnished” each month (a portion taken out) to cover the victim’s costs. So, you must weigh the pros and cons yourself for the increased costs now for more coverage versus the risk of owing more later in the event of a major accident. Some additional options include:

  1. Additional coverage (higher amounts) for Bodily Injury and Property Damage Liability
  2. Collision -- covers accident-related damages to your own car
  3. Comprehensive -- covers your own car in the case of “non-accident” related incidents (e.g. hitting an animal, vandalism, theft, fire, windshield damage, other acts of nature, etc.)
  4. Uninsured/underinsured -- helps cover your own damages if you are in an accident caused by someone who doesn’t have insurance
  5. Roadside assistance, towing, etc.
  6. Rental car coverage -- for getting a vehicle if your car is out of service for a bit

NOTE: Although OHIO state law does not require you to carry collision and comprehensive coverage, your loan or lease may require you to do so.

Photos in order of appearance: Pixabay

Krista Doyle