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Cheap car insurance akron ohio

Car Insurance in Ohio

Ohio requires that you be financially responsible for any costs that may occur due to incidents with your vehicle. The best way to fulfill this responsibility is by having a car insurance policy that meets Ohio's insurance requirements.

Read more to learn all about Ohio car insurance requirements, laws, rates, and discounts.

Ohio Car Insurance Requirements

Liability Insurance

The most common way to comply with Ohio's financial responsibility law is by carrying liability car insurance to help pay for injuries or property damage resulting from a car accident that you cause.

Your car insurance policy must have at least the following minimums:

  • $25,000 for injuries or death, per person.
  • $50,000 total for injuries or death to 2 people or more in any 1 accident.
  • $25,000 for property damage in an accident.

Optional Car Insurance

While you are only required to carry liability car insurance in Ohio, you may want to consider purchasing other types of car insurance coverages to help further protect you financially.

Most OH car insurance companies offer the following optional types of coverage:

  • Collision – Helps cover accident-related damages to your car.
  • Comprehensive – Helps cover certain non-accident related damages to your car, such as those resulting from theft or vandalism.
  • Uninsured/underinsured – These coverages will help you with damages caused by an accident with an uninsured driver or a driver who is not covered enough to pay for your damages.
  • Towing and labor.

NOTE: While state law does not require you to carry collision and comprehensive coverages, you may have to purchase both coverage types as part of the loan or lease agreement on your car.

Ohio Proof of Insurance

When registering your car in Ohio, you must submit a signed statement that you have and will continue to have OH proof of insurance while operating your vehicle.

You must provide your proof of insurance:

  • When you are involved in a car accident.
  • At the request of an officer during traffic stops.
  • When randomly selected by the BMV. (Read below for more information.)

If you are unable to provide proof of insurance to an officer during a traffic stop, you will be given a notice that will explain options you may take in order to prove that you had insurance at the time of your citation in order to avoid consequences of an insurance violation.

Random Insurance Verification

As a way of assuring that all vehicles are insured, the Bureau of Motor Vehicles randomly selects approximately 5% of registered vehicle owners to submit proof of insurance to the BMV.

If you are among the randomly selected, you will be sent a notice by mail from the BMV. You must submit your proof of insurance within 21 days of the mailing date on your notice.

For any questions regarding the Random Selection Program, call the BMV at (877) 315-6605.

Fines and Penalties

When proof of insurance is required, failure to show or provide proof of insurance will lead to penalties that include:

  • Loss of driving privileges.
    • This will require payment of a reinstatement fee in order to regain your privilege to drive.
  • Suspension of plates and registration.
  • Mandatory requirement of SR-22 filing.
    • SR-22 insurance is a type of proof of insurance usually filed by your insurance carrier, guaranteeing that you will remain insured for a specific period of time.
    • SR-22 insurance can be costly. Avoid insurance violations to maintain low-cost premiums.

Ohio Automobile Insurance Plan

The Ohio Automobile Insurance Plan (OAIP) is an organization of insurance companies within the state that helps guarantee the accessibility of car insurance to all eligible drivers.

If you are considered a high-risk driver, you may be denied coverage from any individual car insurance company. However, your insurance agent can help you apply for auto insurance through the OAIP.

In the OAIP, all participating car insurance companies collectively share the risks of providing coverage to high-risk drivers.

To be eligible for the OAIP, you must have been rejected coverage by an Ohio-licensed insurance company, and you must hold a valid driver's license.

Car insurance through the OAIP can be expensive. Shop around for cheaper car insurance and use the OAIP only as a last resort.

The Ohio Department of Insurance

The Ohio Department of Insurance (ODI) helps enforce rules and regulations of the insurance industry in Ohio.

Additionally, the ODI helps consumers navigate their insurance policies. The ODI can directly help consumers with complaints against insurance companies and insurance fraud.

Consumer Complaints

If you have an issue you are not able to solve with your auto insurance carrier, you may file a complaint with the ODI.

While the ODI may be able to help resolve a dispute you have with your insurance company, it cannot:

  • Act as your lawyer.
  • Give you legal advice.
  • Force a company to solve a dispute if no law has been broken.
  • Determine medical costs and needs.

To file a complaint against a car insurance company, call the Ohio Department of Insurance at (800) 686-1526.

Car Insurance Fraud

Fraud costs insurance companies a large sum of money annually. These costs get passed down to you through increases in premiums.

Car insurance fraud often involves:

  • Falsifying or exaggerating extent of injuries.
  • Falsifying damage to vehicles.
  • Staging car accidents.

If you suspect car insurance fraud, you can report it online at the ODI website.

Determining Your Car Insurance Rates

Several factors are involved in helping to determine your car insurance premium.

When shopping for car insurance, remember that most companies will factor the following into your rates:

  • Your car's:
    • Make.
    • Model.
    • Year.
  • Your driving record.
  • Your credit history.
  • Deductibles. (This is the amount you are responsible towards a claim.)
    • The higher your deductible, the lower your premium.

Insurance Discounts

One of the best ways to save on Ohio car insurance is through discounts.

When comparing car insurance quotes, ask about discounts such as:

  • Good driver.
  • Good student.
  • Multi-car.
  • Anti-theft device.

While discounts are a great way to lower your auto insurance rates, the best way to save money on car insurance is to maintain a clean driving record. Obey all traffic laws and drive safely and you will be on your way to getting and maintaining the cheap car insurance.

Most Stolen Cars in Ohio

Driving a car that is a known target for theft could increase your car insurance rates.

The following is a list of the most stolen cars in Ohio for 2013, according to www.nicb.org:

  1. Chevrolet Pickup (Full Size).
  2. Dodge Caravan.
  3. Ford Pickup (Full Size).
  4. Jeep Cherokee/Grand Cherokee.
  5. Buick Century.
  6. Chevrolet Impala.
  7. Chevrolet Pickup (Small Size).
  8. Honda Accord.
  9. Ford Explorer.
  10. Oldsmobile Cutlass/Supreme/Ciera.


Driving in Ohio: Statewide Stats

Residents of the Buckeye State enjoy the many choices for cheap insurance Ohio has available, not to mention the low cost! Ohio’s car insurance rates average only $926/year! There are over 9 million licensed drivers in Ohio, with 12 million registered cars on the road. In 2012 there were 287,000 traffic crashes, 1,000 of which were fatal. That may seem like a lot, but it is considerably lower than the national average.

All in all Ohio is a safe and affordable place to drive.

Insurance Facts

Around 16% of drivers in Ohio are uninsured, which can result in a loss of driving privileges for up to 2 years, up to $650 fine, requirement of financial responsibility filing (SR-22), and even vehicle impound.

Ohio State Car Insurance Requirements

  • Bodily Injury liability: $25,000 per person/$50,000 per accident
  • Property Damage liability: $25,000
  • For a full explanation of the minimum coverages, visit Ohio’s Bureau of Motor Vehicles

Did you know?

  • Ohio is within a one-day drive of 50% of the nation’s population, and 70% of its manufacturing, making the state a vital cargo and transportation hub.
  • Ohio has experienced over 200 earthquakes since 1776.
  • Eight U.S. presidents have hailed from Ohio, giving the state the nickname “Mother of Presidents”.
  • The largest industries in the state are manufacturing and financial activities (making up 18% of GDP).
  • The trade/transportation/utilities sector employs over 1 million Ohioans (19% of the state’s workforce).

Helpful Resources

Bureau of Motor Vehicles website

The Ohio BMW website is a central data base and resource center for Ohio drivers. You can find information about vehicle registration, licensing, insurance, and state traffic statistics.

DUI Information

  • According to the Century Council, there were a total of 35,629 DUI arrests in 2012.
  • Mothers Against Drunk Driving reported 385 drunk driving fatalities, and 7,386 alcohol related crashes, for a total taxpayer subsidy of $1.8 billion.
  • Ohio does not require an ignition interlock device for convicted drunk drivers, but it does have sobriety checkpoints, child endangerment laws, and license revocation laws.
  • First time offenders receive a jail sentence of 3 days minimum, up to 6 months or a 3 day enrollment in a Driver Intervention Program
  • Drivers licenses are suspended for up to 3 years, with a $450 reinstatement fee, and up to $1,000 in fines.

The Bottom Line

Ohio is one of the safest states in the nation, with crime rates below the national average. This helps maintain the states low auto insurance costs. Centrally located, with a lot of beautiful landscape, the state is a wonderful place to live and work. The state population is growing steadily, and is projected to keep growing. If you are new to the state, or are a life-long resident, it may be a good time to re-shop your auto insurance policy while rates are still low.

Feel free to give us a call. A live agent can guide you through the process and give you a quote. We pride ourselves on our ability to find the cheapest rates available for your state.

We Have Your Town Covered!

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Average Annual Premiums in Ohio = $1,099 | via Insure.com


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Your SR-22 will be e-filed with the issuance of your Bond.

You can also print your SR-22 Forms to take to a BMV Office.

What is an SR22?

An SR-22, also known as SR22, sr22 bond, sr-22 bond, sr22 filing, or sr-22 filing is a form issued by an insurance company and used to prove your "Financial Responsibility" to the State Bureau of Motor Vehicles. This is a reinstatement requirement for most BMV ordered suspensions including those for 12 points, hit/skip, ticket or accident without insurance, random selection, noncompliance, DUI, and others. The SR-22 guarantees to the Bureau of Motor Vehicles that an insurance company has issued at least minimum liability coverage for the person making the filing. The filing also requires that the insurance company notify the BMV if the coverage is cancelled for any reason. This is a way for the BMV to keep tabs on whether or not someone has insurance. The BMV usually requires that you file an SR-22 for a period of 3 years from the beginning date of the suspension. Some suspensions may have a 5 year period. The Ohio BMV will accept SR22 filings showing the purchase of either an Auto Liability Insurance Policy, for vehicle owners who want more than the minimum, or a Financial Responsibility Bond, designed for those who want just the minimum coverage. The state does not care whether you purchase a policy, which follows your car, or a FR Bond, which follows you and covers you while driving any car, owned or non-owned.

What is an SR22 Bond?


The SR22 Bond, also known as Financial Responsibility Bond or FR Bond, is minimum limit liability coverage that pays for damages and personal injury that you may cause to another party in an accident. It covers you while you are operating ANY private passenger car, owned or non-owned. The FR Bond was designed for those who want the minimum amount of coverage accepted by Ohio's Financial Responsibility Laws. The SR22 Bond will pay up to $25,000 per person / $50,000 total per accident for bodily injury that you may cause to people in another vehicle or to a pedestrian. It will also pay up to $25,000 for any damage that you may do to another person's property. The FR Bond does not cover damages to the vehicle that that you are driving nor does it cover your medical expenses or those of your passengers.


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