Ohio Auto Insurance

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Auto insurance quotes are offered free of charge. Using our quote comparisons does not obligate you to buy insurance.

With many Ohio auto insurance companies competing for your business, it can be difficult to make a decision. Our side by side quote comparisons will help you evaluate your options.

Be sure to compare several of our OH auto insurance providers as rates may be different, even for the same coverage.

In 2007, the State of Ohio experienced 328,742 automobile crashes. Of these, 1,163 were fatal accidents, 79,674 were injury producing crashes, and 241,682 resulted in property damage only. 6,223 of these accidents were classified as 'unknown'. From January 1st to December 31st of 2007, 1,257 individuals were killed while traveling the roads of Ohio. 558,757 drivers were involved in car crashes, including 14,935 of which were alcohol impaired, as well as 186,054 passengers. There were 584,502 vehicles involved in traffic accidents, 364,272 of which were passenger vehicles. In other words, in the year 2007, Ohio saw 3.2 fatal accidents per day, 3.4 persons killed per day, and 318.9 persons injured per day. You can only control a certain number of factors when driving on the roads of Ohio, or any other state. One factor that you do have control over is your auto insurance coverage. Operating a vehicle responsibly and investing in a sufficient amount of Ohio auto insurance are the most important things you can do to protect yourself and others.

Ohio law requires that all drivers maintain insurance or proof of financial responsibility at all times. To apply for your driver's license, or register a vehicle, you need to sign a financial responsibility form stating that you will not drive a vehicle without sufficient coverage. This law applies to you and to anyone you permit to drive your automobile. The minimum amount of Ohio auto insurance coverage you need includes $12,500 bodily injury per person; $25,000 bodily injury for more than one person; $7,500 for property damage. Liability insurance is the best and most practical way to protect yourself against damages you may cause to another person or their property. This amount of liability insurance is the absolute minimum, it is recommended that you consider a higher level of coverage.

When you need to demonstrate proof of financial responsibility, the following methods are acceptable: your insurance identification card, a $30,000 surety bond from an authorized company, a BMV bond of at least $60,000 secured by real estate equity, your actual insurance policy, a BMV certificate for $30,000 in government bonds, or a certificate of proof of financial responsibility including your insurance agent's signature. If you cannot offer any form of proof of insurance, you will face heavy penalties. Upon your first offense, you will lose your license for 90 days. A second offense will result in the loss of your license for one year. Any additional offenses will result in losing your license for two years. Neglecting to carry proper Ohio auto insurance can bring even more consequences including the loss of your license plates and registration, having your car impounded or sold, having your license revoked, being required to carry 'high risk' insurance for up to 5 years, and having to pay reinstatement fees ranging from $75 to $500. Comparing Ohio auto insurance rates online is the best way to find the coverage you need. Find coverage today and protect yourself in the future.

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