Ohio Car Insurance

Data specific to Ohio insurance quotes:

From the data we have gathered, online insurance rates for shoppers located in the state of Ohio have averaged at $48 per month for each vehicle. This was 28% lower than the national auto insurance rate average and the third monthly lowest rate in the United States. While analyzing data for the past 6 months, we have concluded that rates in this state have fallen almost 40%. We believe that these low rates are due to a change in the online auto insurance market. This could be due to new and competitively priced insurance offerings in Ohio. With this information in mind, motorists from Ohio should know that now is the time to get a rate quote in order to benefit from maximum savings.

Ohio car insurance rates:

In 2008, car insurance premiums were priced at an average of $680.14, which shows a change of 1.20% from 2007, where research shows that rates were at an average of $672.07. Figures collected for 2008 show that liability insurance was priced at an average of $369.15, collision coverage averaged at $256.26 and comprehensive coverage gravitated around $110.50. Out of the whole country, there were 37 states that had higher insurance premiums and 12 with lower average car insurance premiums. In 2007, 36 states had rates which were higher than Ohio. Average rates in 2000 were $579.05 and $613.75 in 2005. During the year 2000, there were 35 states which had higher premiums.

Certain factors which affected the cost of insurance in Ohio:

• Speed limit (cities): 65 mph
• Speed limit (highways): 55 mph
• Blood alcohol limit (%): 0.08%
• Open container laws: Prohibition for both the driver and passengers of possessing open alcohol containers.
• Hand held cell phone use restrictions: While no state wide ban is in effect, laws in certain jurisdictions may restrict or prohibit cell phone use while driving.
• Period of license suspension for DUI: License will be suspended for 90 days after first offense related to DUI/DWI.
• Availability of license restoration after DUI: Under some specific conditions, driving privileges may be restored 15 days after the suspension took effect.

Quick look at Ohio car insurance premium data:

• Average premium for 2008: $680.14
• Average premium for 2007: $672.07
• Percentage of change from 2007 to 2008: 1.20%
• 2008 collision protection cost: $256.26
• 2008 liability protection cost: $396.15
• 2008 comprehensive protection cost: $110.50
• 2008 overall premium rank: 38th