Ohio Insurance Agencies by County

How to Lower Your Car Insurance in Ohio (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Ohio? Whether you’re commuting around Columbus, Cleveland, or Cincinnati, driving I-70 and I-75, or dealing with winter weather near Lake Erie, there are practical ways to keep premiums down. This overview explains how Ohio insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Ohio Score You

• Driving history – Accidents, tickets, DUIs, and prior claims impact rates.
• Credit-based insurance score – Many insurers use credit history as part of pricing.
• Location – Rates can vary by county/city based on traffic, theft, and claim frequency.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles often reduce premiums.

10 Ways to Lower Your Car Insurance in Ohio

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair costs and strong safety ratings.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Ohio Minimum Auto Insurance Requirements

Ohio generally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage per accident. Many drivers choose higher limits for better protection.

Winter Weather, Deer Collisions, and Comprehensive Coverage

Ohio drivers often deal with snow/ice in winter and deer collisions in rural areas. Comprehensive coverage can help protect your vehicle from non-collision losses such as theft, vandalism, falling objects, storm damage, and animal impacts.

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.