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Auto Insurance in Ohio

State Laws for insurance coverage in Ohio are much less strict than other states. Drivers are only mandated to carry liability coverage to drive legally. $15,000 per person and $30,000 per accident for bodily injury coverage along with $10,000 for property damage coverage is all the insurance that is required by the State of Ohio.

You always need to consider purchasing an insurance policy with higher limits for your own financial security. In the event of an accident that causes more damage than the state minimum insurance would cover, you will be protected against lawsuits and ridiculous out-of-pocket expenses by having higher limits on your insurance coverage. By shopping around and comparing rates, you might be surprised at how affordable more insurance coverage can be. Instead of paying $50 a month, you might pay $75 or even $100 a month, but won't have to shell out $20,000 because you were under-insured.

Auto insurance premiums in Ohio are calculated similarly to other states, based on various factors such as:

•     previous claims history
•     driving record
•     vehicle type
•     amount of coverage desired
•     age, gender, marital status and/or other personal statistics
•     available discounts (good driver, good student, etc.)

If you're willing to invest the time and effort to shop around, you can always find quality, affordable auto insurance in Ohio.