Ohio Car Insurance (Coverage, Companies, & More)

With a handful of major cities that are effortlessly connected by Ohio’s highway system, you probably already figured out that the easiest way to make your way around the Buckeye State is by car. Unfortunately, if you don’t have one, many stores and other things you need are far apart, and they don’t have the strongest public transportation system. So you could be stuck waiting for a ride for awhile.

But if you’re going to tackle Ohio’s 122,926 miles of roadway, you better have protection in the form of a trusted car insurance provider. Even though traffic is often light depending on the area of Ohio, you need liability coverage to stay legal while driving. With diverse weather patterns and sometimes unpredictable drivers around you, it’s equally as important to protect yourself and your car. Depending on your car, this could mean collision and comprehensive insurance or just PIP.

Luckily for you, this comprehensive article will tell you everything you need to know, whether you live in Columbus, Dayton, Cincinnati, Toledo, or Cleveland. To get started, use our free online tool by punching in your ZIP code for instant results.

How Much Should Ohio Drivers Plan to Pay for Auto Insurance?

There’s plenty to know about the state of Ohio’s auto insurance laws.

But the most important thing to keep in mind is that it’s a “fault” state, meaning drivers are required to show financial responsibility for any accident they might have caused. As you can imagine, the most popular way of proving that is by having car insurance.

So now that we have this in the back of our minds, let’s explore the basics of what it means to get behind the wheel in the Heart of it All.

What is Ohio’s car culture?

The Buckeye State is unique because it has a healthy balance between urban and rural driving. You might hear small-town residents refer to Cleveland drivers as “crazy” because city driving is typically more aggressive. This doesn’t mean more rural drivers are always calm and friendly. In some cases, weather can play a role causing accidents even if everyone is following the law.

This mix of cautious and aggressive drivers is often a recipe for accidents. So it’s a good idea to learn about Ohio’s car culture if you want to get around safely.

Similar to other states, Ohioans like to think of their car as an outward expression of themselves. You will see everything from vans and pickup trucks in the country to luxury-brand sedans and high-powered sports cars in the cities.

Ohio is an eclectic mix of vehicle models, because that is a true representation of the state’s demographics. It’s a melting pot of people who love driving through the covered bridges and picturesque highways in the place they call home.

But everybody has to follow the same set of rules when it comes to being insured.

How much coverage is required for Ohio Minimum Coverage?

Like many other states, Ohio drivers are required to carry a certain amount of liability coverage to cover other drivers they may injure. This could protect you from a lawsuit if you cause an accident. Comprehensive, collision, and other insurance meant to cover your personal losses are not required. Drivers who choose to add them on could save thousands of dollars in a single accident.

While meeting the bare minimum requirements will keep you legal in Ohio, it’s encouraged to explore additional coverage. However, if you are curious to know what minimum liability insurance will cover, it looks like this:

• $25,000 for the injury or death of one person (a passenger, another driver, pedestrian, etc.) in an accident you cause
• $50,000 total for all injuries or deaths resulting from a single accident you cause
• $25,000 for any property damage arising out of a single accident you cause

It’s important to note that your liability coverage will not apply to your own personal injuries or damage to your vehicle if you are involved in an accident. That’s why so many Ohioans choose personal injury protection (PIP), collision coverage, or MedPay coverage.

In the event you get pulled over and need to show proof that you meet the minimum insurance requirements, you can do so on your phone if you want. Ohio permits drivers to carry an electronic copy of their insurance card and presenting that during a traffic stop. Three cheers for the convenience of technology.

What are the forms of financial responsibility in Ohio?

According to the State of Ohio’s Bureau of Motor Vehicles, drivers must always be able to show proof of financial responsibility while out on the road. Acceptable forms that may be displayed to an Ohio police officer include any of the following six documents:

• Insurance policy showing automobile liability insurance of at least $25,000 in bodily injuries per person, $50,000 in injuries per accident, and $25,000 in property damages
• Insurance identification card with the same coverage as above
• Surety bond of $30,000 issued by any authorized surety company or insurance company
• BMV bond secured by real estate having equity of at least $60,000
• BMV certificate for money or government bonds in the amount of $30,000 on deposit with the Ohio Treasurer of State
• BMV certificate of self-insurance, available only to companies or persons who own at least 26 motor vehicles

Again, you don’t have to have a paper copy of your insurance policy. You are free to show proof of insurance electronically in the state of Ohio.

How much percentage of income are premiums in Ohio?

Ohio has consistently come in under the national average for car insurance rates for the past three years, meaning premiums are more affordable in the Buckeye state than they are in the rest of the country, on average.

As you can see from the table, there has been minimal change to the cost of insurance as it relates to the percentage of income each year, hovering right around two percent.

While Ohio comes in under the national average, no two insurance policies are the same. The biggest factors that determine what you might pay include age, gender, ZIP code, income level, and driving record, among other factors.

If you’re curious to know how your policy stacks up against the averages in Ohio, simply take your premium divided by your annual income and multiply that number by 100.

Average Monthly Car Insurance Rates in OH (Liability, Collision, Comprehensive)

It’s important to note that this data provided by the National Association of Insurance Commissioners is based on the state minimum. Additionally, these figures are reflective of 2011-2015, so it is possible that premiums might be slightly higher for 2019-2020.

What additional liability is available in Ohio?

Now that we know the minimum requirements for car insurance, let’s explore additional liability coverage.

A lot of drivers in Ohio elect for further coverage because the state’s minimum legal requirements provide little protection when it comes to paying for personal medical bills that stem from a car accident.

• Personal Injury Protection (PIP) is a form of no-fault coverage that can cover your medical expenses in the event of an accident.
• MedPay Insurance will cover medical expenses for everyone in your vehicle in the event of an accident.
• Uninsured/Underinsured Motorist Coverage will keep you protected should you be involved in an accident with an at-fault driver who does not have any liability coverage. This will also keep you protected if the offending driver’s insurance is too minimal to cover any medical expenses you might need.

Loss ratios are also important to understand because these can affect your monthly rate.

A general rule of thumb is that if your insurance company’s loss ratio is 40 percent or lower, they are collecting more money from premiums than is needed for the claims coming in. If the loss ratio is greater than 75 percent, the carrier is not collecting enough from claims, so personal rates might increase.

When thinking about additional liability coverage, it’s a wise idea to consider all of this information.

What add-ons, endorsements, and riders are available in Ohio?

Beyond additional liability coverage, you can opt for further protection with the following add-ons and endorsements:

• Guaranteed Auto Protection (GAP) – “GAP” as an acronym for Guaranteed Auto Protection but it’s also a fitting name since it covers a breach in what you owe. GAP insurance will cover the difference between what you owe on your car lease or loan and the real-time value of the car at the time of the accident.
• Personal Umbrella Policy (PUP) – For an easy way to add an additional level of protection to your policy, consider a PUP to keep you safe from lawsuits that may result from an accident.
• Rental Reimbursement – If you need a rental car while your personal vehicle is in the shop for repairs, Rental Reimbursement will cover the cost.
• Emergency Roadside Assistance – This add-on will help you if your tire blows out, the engine overheats, or you have any other mishap that leaves you stranded on the side of the road.
• Mechanical Breakdown Insurance – Any time a mechanical failure occurs that didn’t result from an accident, Mechanical Breakdown Insurance will cover it.
• Non-Owner Car Insurance – If you don’t own or lease your own vehicle but still drive on occasion, this add-on will provide you with limited liability coverage.
• Modified Car Insurance Coverage – There are plenty of cars on the road that have been modified, and if you are the type that likes to customize your ride, this policy will cover the cost of those modifications in the event of an accident.
• Classic Car Insurance – Vintage cars are special and that’s why this additional form of insurance is a good idea if you drive a classic car.
• Pay-As-You-Drive aka Usage-Based Insurance – A lot of drivers have switched over to usage-based coverage and pay per mile or how often you drive. This is a good option for people who don’t drive as often and would like to save money on their policy.

It’s always a good idea to talk to your insurance provider in person or over the phone for more details on the preceding add-ons so you have a full understanding of what you might need and how it will impact your rates.

Average Monthly Car Insurance Rates by Age & Gender in OH

How much you pay for car insurance varies depending on several personal factors. The data outlined in the following table is based on actual plans from real Ohio drivers that utilize the state’s 10 most popular providers. Here’s how these annual rates can vary by age and gender.

As you can see from the table, age and gender have a direct impact on car insurance rates in the Buckeye State. For the most part, single 17-year-old males will pay the most, with an annual average of $6,873.39, while married 60-year-old females pay the least, with an average of $1,434.16.

So what’s the lesson to take away from this data?

You will ultimately pay less for car insurance in Ohio as you age or if you get married, and females generally pay less than males of the same age group.

What are the cheapest rates by ZIP code in Ohio?

Where you live also plays a role when it comes to your annual car insurance rate; this figure can change depending on your city or even your neighborhood.

If you’re curious about what the state of Ohio’s major providers charge in different ZIP codes, check out the table to compare and contrast:

What are the cheapest rates by city in Ohio?

Read more:

• Florida Peninsula Insurance Company Car Insurance Review
• Diamond State Insurance Company Car Insurance Review
• Diamond Insurance Company Car Insurance Review

One trend that you might have noticed from glancing at this table is that bigger cities generally equal higher insurance rates.

So, if you live in rural Ohio, you’re likely paying less than your Columbus or Cleveland counterparts. Keep in mind that this is a general observation, and as we’ve mentioned, these numbers can vary based on a lot of factors.

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Best Ohio Car Insurance Companies

One of the best things about buying car insurance in Ohio is that you don’t have to look very hard to find a provider since there are so many available in the state. However, you will need to do a little digging if you want to find quality protection that won’t break the bank. After all, you’re going to want to hang on to a little bit of cash to spend on Skyline Chili.

This section will inform you of everything you need to know about Ohio’s car insurance companies. We’ll tell you about the largest insurance providers in the state, those with the best ratings and those with the most complaints, and details about rates. Keep reading so you can learn more about what the top Ohio car insurance companies have to offer you.

What are the financial ratings of the largest car insurance companies in Ohio?

In order to acquire and maintain customers, large insurance companies want to keep a high financial rating. And customers like you can learn all about a company’s financial situation by consulting A.M. Best.

This global credit agency acts as a trusted, unbiased resource that evaluates the financial strength and creditworthiness of large insurance providers.

Here’s a look at how A.M. Best graded the largest insurance providers in Ohio.

Which car insurance companies have the best ratings in Ohio?

J.D. Power is widely regarded as a trusted source that people can turn to for up-to-date information on the automotive industry, including insurance.

This table offers insight into what real Ohio customers think about their insurance provider.

Read more: Hartford Insurance Company of the Midwest Car Insurance Review

Keep in mind that while USAA and NJM Insurance have high ratings, they were put on the bottom of the list because you have to meet certain U.S. military eligibility requirements to be covered by these providers.

Which car insurance companies have the most complaints in Ohio?

Imagine that you get involved in an accident and you make a call to your car insurance provider, only to be met with a rude representative on the other end of the phone. You are already frustrated and that irritation is made even worse because your provider is making it difficult to remedy the situation.

This is why you should take customer service into account when choosing a provider by looking at complaint information. According to the ODI Consumer Services Division, this is what customers have to say about the top providers in Ohio.

A complaint index lower than one indicates that a company receives few complaints and an index higher than one indicates a higher than average number of complaints.

What are the cheapest car insurance companies in Ohio?

Nobody wants to pay more than they need to for car insurance. Ideally, you want to find quality coverage at a fair price. We can help you by giving you a glimpse at some of the Buckeye’s State’s most affordable providers.

American Family and Geico offer the most aggressive rates for the general public in Ohio. However, if you have spent time in the military you might be eligible to get the cheapest rate in the state offered by USAA at $1,478.46.

Does my commute affect my car insurance rate in Ohio?

Insurance companies like taking a look at how many miles you drive to and from work each day because the more you are on the road, the higher the chance you’ll be involved in an accident. This is their way of making an informed decision on how much to charge you so they can maintain a healthy loss ratio.

Still, only four of the big 10 providers listed inflate the price for commuters who travel 25 miles (or 12,000 annually) to their jobs. Among those four providers, the change is minimal. You will only really notice a difference with State Farm, who increases their price by $124.13 and USAA who charges $112.74 more.

The biggest takeaway from this data is that in Ohio, insurance rates don’t change much based on length of commute.

Can coverage level change my car insurance rate with companies in Ohio?

Depending on which company you go with and how much coverage you need, you can expect to pay anywhere between $1,413.88-$4,573.32 per calendar year for car insurance in Ohio.

That doesn’t necessarily narrow things down, does it?

This is because everybody’s insurance policy looks different based on age, gender, place of residence, driving history, desired level of coverage, and credit score. Speaking of which, let’s take a look to see what sort of rates car insurance providers issue Ohioans based on personal credit history.

How does my credit history affect my car insurance rate with companies in Ohio?

American Family is the most forgiving when it comes to offering rates for customers with poor credit, aside from USAA. Therefore, they might be the best option for drivers who are actively working to repair their credit scores.

Liberty Mutual is by far the most expensive option for customers with poor credit, and they are still on the high-end of the spectrum for customers who fall into the good category.

If you elect to go with American Family, you’ll only save more money as you improve to fair or even good credit.

Ultimately, your personal credit history will determine how much you’ll pay for car insurance in Ohio regardless of which provider you pick. But it would be a wise move to find a company you trust and do a little homework to see where you currently stand with your credit.

How does my driving record change my rates with car insurance companies in Ohio?

Another important factor that will determine your car insurance rate in Ohio is your driving record. For the most part, speeding tickets, accidents, and DUIs equal (you guessed it) more expensive insurance premiums.

But that isn’t always the case. You might be surprised to learn that some providers are more forgiving than others. Take a look at the following table.

Which car insurance companies are the largest in Ohio?

Name recognition goes a long way when shopping for something as important as car insurance.

Ohioans want to know that if they get involved in an accident, their providers will have their back. That’s why so many people in the state choose to go with one of the following top 10 providers.

How many car insurance companies are available in Ohio?

Back in the day, if you wanted to find car insurance coverage, you would have to find a local provider with a physical address within the state. That’s all changing in the digital age. So there are a number of people that choose a company that is not based in Ohio.

According to the National Association of Insurance Commissioners, Ohio has 138 property and casualty insurance companies located within the state. However, that doesn’t mean your options are limited to these. There are an additional 851 out-of-state providers that are also licensed to sell insurance in the Buckeye State.

Ohio Laws

Nothing quite says “USA” like a good old-fashioned road trip. For decades, Americans have packed their families into cars and taken them clear across the country to visit relatives or to go on vacation.

One thing we don’t stop to think about is the fact that driving laws change from state to state, and even from city to city.

For example, it’s perfectly legal for a taxi driver to wear shorts any day of the year in Cleveland but not in Cincinnati.

Geographically, Ohio is positioned between the Midwest and the East Coast, so the state sees a lot of different license plates travel through it every day. It would be wise for anybody who drives here to be aware of the Buckeye State’s driving laws.

Let’s see how many of these laws you know already. And remember, even if you think you know them all, these laws are constantly evolving.

What are the car insurance laws in Ohio?

While Ohio traffic laws see frequent changes, the same can be said for car insurance. One way you can see the current car insurance laws and required documents for Ohio is by visiting the Bureau of Motor Vehicles website.

How Ohio Laws for Insurance are Determined

Similar to its 49 counterparts, car insurance laws in the state of Ohio are passed through a traditional legislative process.

Ohio is also a file-and-use state, which means that insurance providers are able to use new rates prior to receiving formal approval.

The governing body that works to enforce the rules and regulations of the state’s insurance industry is called the Ohio Department of Insurance (ODI). Ohioans can utilize the ODI to understand their insurance policies; however, the ODI cannot refer private consumers to lawyers or offer legal advice.

Windshield Coverage

In general, there is nothing particularly unique about windshield coverage in Ohio as it compares to other states.

For example, you are not allowed to drive if you have an obstructed view of the road. This can be caused by an object, such as a sticker on the windshield, or a crack in the glass that prohibits the driver from being able to see clearly.

According to our friends at the ODI, consumers have the right to choose who does the repair work for a damaged windshield. Aftermarket parts are allowed to be used at the discretion of the driver, but if they insist on using OEM parts, insurers don’t have to cover it, so the driver must pay the difference.

High-Risk Insurance

Your driving record will follow you for your entire life. Bad marks like speeding tickets, reckless driving, and traffic violations all point to a high-risk driver who will have a more difficult time finding an insurance provider.

If you’re considered a high-risk driver in Ohio, you’re required to purchase something called SR-22 coverage.

SR-22 auto coverage is available for any driver who has caused more than $400 in damage while driving without liability insurance, the minimum level of coverage legally required in the state.

The amount of time a high-risk driver is required to carry SR-22 coverage depends on the severity of the damage the person caused or the severity of the crime. In DUI cases, for example, the driver must pay for high-risk insurance for five consecutive years.

Low-Cost Insurance

There are only three states in the country that have government-funded programs that help low-income households find affordable car insurance.

Ohio isn’t one of them.

Therefore, the best way to find low-cost insurance in the Buckeye State is by researching car insurance discounts. Generally, the best rates are available for applicants with a clean driving record and good credit history.

Automobile Insurance Fraud in Ohio

According to the Insurance Information Institute, automobile insurance fraud is a deliberate deception perpetrated against or by an insurance company or agent for the purpose of financial gain.

This happens all over the country in different capacities, and Ohio is no different.

In the event that a person or group of people commits automobile insurance fraud, the state police department of Ohio is responsible for enforcing the law, while local prosecutors handle fraud cases under the state’s penal code.

Take a look at the table below to see the common penalties.

Statute of Limitations

Simply put, the statute of limitations is the time limit a person or entity has to settle a claim or file a legal matter in order for the case to be heard in a court of law.

The statute of limitations in the state of Ohio for both personal injury and property damage cases is two years. Compared to other states, Ohio has a shorter deadline, so it is a good idea to contact an attorney sooner rather than later when involved in an accident.

Ohio-Specific Laws

While there are plenty of laws that apply to the entire country, there are a few specific to Ohio alone.

Whether you’re registering your car for the first time or simply renewing, you’re required to submit a signed statement that indicates you have legal insurance with the state of Ohio and will continue that coverage while operating your personal vehicle.

It’s entirely possible that the Ohio BMV will require you to show proof of coverage through a random insurance verification process. If you’re unable to show proof of insurance during a random verification or after a police officer pulls you over, a notice will be sent to you by mail that outlines the options you can take to prove that you’re covered to avoid an insurance violation.

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What are the vehicle licensing laws in Ohio?

We mentioned earlier in the article how car insurance laws in Ohio are subject to change, and the same can be said of vehicle licensing laws as they relate to:

• REAL ID compliance
• Consequences for driving without insurance
• Teenage drivers
• Older driver’s license renewal procedures
• Residents new to the state of Ohio
• License renewal procedures

Let’s explore the most up to date details regarding each to keep you informed and legal.

REAL ID

Similar to other states, Ohio is compliant with the REAL ID Act. That means an Ohio driver’s license or identification card is accepted at the federal level, so the ID card alone is acceptable to gain access to federal facilities or board an airplane for a domestic flight.

Becoming a REAL ID-compliant state raised a lot of questions in 2018, but most Ohioans have gotten through it by now thanks to plenty of local news coverage.

Penalties for Driving Without Insurance

Ohio has strict penalties for drivers who get caught operating an automobile without proof of insurance, which is why the BMV makes you sign off on this document stating that you understand the risk you take for driving without coverage.

A first-time offender will have their license, vehicle plates, and registration suspended until insurance coverage requirements are met and a $100 reinstatement fee is paid. Following reinstatement, the offender must maintain special high-risk coverage on file with the Ohio BMV for a period of three to five years.

If a first-time offender is involved in an accident, all of the preceding penalties are imposed on the driver along with a security suspension for a period of at least two years, and an indefinite judgment suspension until all damages are satisfied.

A second-time offender will have their license, plates, and registration suspended for one calendar year. They must also satisfy a $300 reinstatement fee and maintain special high-risk insurance coverage on file with the BMV for a period of three to five years.

Should a second-time offender get involved in an accident, they must meet all of these requirements and face a security suspension of two years (minimum) and an indefinite judgment suspension until all damages are satisfied.

Remember — Ohio is a state that conducts random insurance verification checks. So you don’t even need to be pulled over by a police officer in order to be asked to prove you have insurance.

These penalties aren’t worth the time and money they will cost you, which is why it is a good idea to get covered right away.

Teen Driver Laws

Everybody has to start somewhere, but when it comes to something as important as learning how to drive a car, the state of Ohio has set certain age and driving time limitations for teenagers during the learning stage.

Teenagers are eligible to apply for their learner’s permit six months after their 15th birthday, at which point the following restrictions are set in place.

Following the learning stage, Ohio teenagers can adhere to looser guidelines during the intermediate stage.

Once a teenage driver has satisfied their learning permit requirements, they are eligible to drive on an unrestricted basis once they turn 17 years old, according to the Insurance Institute for Highway Safety (IIHS).

Once a driver turns 18, the teenage driving restrictions are lifted.

Older Driver License Renewal Procedures

Some states allow you to renew your driver’s license online or through the mail.

Ohio is not one of these states.

As you can see from the following table, the license renewal procedure in Ohio is consistent in that you must renew every four years and have your vision checked each time. The Ohio BMV does not discriminate on age or gender; everybody has to follow the same set of rules.

New Residents

Newcomers to the Buckeye State are officially considered Ohio residents once they take a job, sign a lease, buy a home, or enroll children in school. At this point, new Ohioans will have 30 days to apply for a state driver’s license and acquire an Ohio title and plates for their vehicle.

In order to make sure that everything goes smoothly at the Ohio BMV when applying for your new driver’s license, it is best to bring the following documents:

• Your vehicle’s original title or memorandum of title
• Your vehicle loan contract (if applicable)
• Your current out-of-state driver’s license
• Proof of your full legal name
• Proof of your social security number
• Proof of Ohio residency (e.g., bank statement, utility bill, or pay stub listing your Ohio address)
• Proof of citizenship or legal presence (e.g., birth certificate, U.S. passport, or see list of other acceptable documents)
• If under 18 years of age, proof of driver education and a cosigner (parent or legal guardian)

As a form of good practice, it’s best to bring more documentation with you rather than have a form missing. If you’re in doubt about a certain form, bring it with you just in case.

License Renewal Procedures

Similar to what we covered with older driver’s license renewal procedures, the state makes it fairly simple to know when you must apply and how you can do it.

Every non-CDL Ohio license expires on the birthday of the applicant in the fourth year from the date it was issued. Applicants over 16, however, will have their license expire on their 21st birthday.

The Registrar of Motor Vehicles is required to notify each person 40 days prior to the expiration of their driver’s license and those whose driver’s license has expired within 45 days after the date of expiration.

Every driver’s license is renewable within 90 days prior to its expiration upon payment of fees, according to AAA Digest of Motor Laws.

Negligent Operator Treatment System (NOTS)

The state law of Ohio declares the following when it comes to negligent drivers behind the wheel:

“No person shall operate a vehicle, trackless trolley, or streetcar on any street or highway in willful or wanton disregard of the safety of persons or property.”

Penalties for driving recklessly in the Buckeye State vary depending upon the history of the driver and the severity of the incident as determined by a police officer. Typically, the following punishments are set in place based on the number of previous offenses the driver has on their record:

• No prior convictions: $100 maximum fine and no jail time
• One prior conviction: $250 maximum fine and/or up to 30 days in jail
• Two prior convictions: $500 maximum fine and/or up to 60 days in jail

In any case, a judge may suspend the driver’s license for a period of six months to three years. This is done on a case by case basis at the discretion of the judge.

What are the rules of the road in Ohio?

The rules of the road look a little different everywhere you go. Keep reading to learn everything you need to know about the rules of the road in the Buckeye State.

Fault vs. No-Fault

As we briefly covered earlier in the article, Ohio is considered to be a “fault” state, according to the law experts at NOLO.com.

This means that whoever caused a car accident is financially responsible for any physical injuries, vehicle damage, or property damage that resulted from the incident.

Ultimately, it’s up to the authorities who arrive on the scene to determine who is at fault and therefore financially responsible. If you find yourself on the receiving end of a crash that was not your fault, you can explore three legal options:

• File a claim with your insurance company, assuming that the loss is covered under the policy
• File a third-party claim directly with the at-fault driver’s insurance carrier
• File a personal injury lawsuit in civil court against the at-fault driver

Seat Belt and Car Seat Laws

According to the IIHS, the state of Ohio has certain laws in place when it comes to seat belts and child car seats. For example, the following table outlines the seat belt law in the state of Ohio.

Meanwhile, the child seat law in the Buckeye State looks like this.

Keep Right and Move Over Laws

Keep Right and Move Over Laws are fairly straightforward given that what you’re supposed to do as a driver is listed right there in the names.

You must always keep right while driving on Ohio roads if you are traveling below the speed limit. Driving under the speed limit in the left lane is illegal because it’s considered dangerous for the flow of traffic.

According to Ohio Law 4511.25, you should always keep to the right side of the road except in the following circumstances:

• When overtaking and passing another vehicle proceeding in the same direction, or when making a left turn under the rules governing such movements
• When an obstruction exists making it necessary to drive to the left of the center of the highway; provided, any person so doing shall yield the right of way to all vehicles traveling in the proper direction upon the unobstructed portion of the highway within such distance as to constitute an immediate hazard
• When driving upon a roadway divided into three or more marked lanes for traffic under the rules applicable thereon
• When driving upon a roadway designated and posted with signs for one-way traffic
• When otherwise directed by a police officer or traffic control device

Furthermore, drivers are required to slowly move over to the side of the road in the event that they are met by an emergency vehicle displaying flashing lights. This includes ambulances, police cars, and even road maintenance and waste collection vehicles.

Speed Limits

Just like every other state, there are certain limits to how fast you can drive in Ohio. In order to make sure you don’t see flashing police lights in your rearview mirror, it’s best to keep an eye out for the black and white speed limit signs. If you can’t find one, the following speed limits are observed.

Ridesharing

Rideshare companies have transformed the way that people get around in Ohio, especially in the bigger cities like Cleveland, Cincinnati, and Columbus. Drivers who wish to work for rideshare groups like Uber or Lyft must carry specific insurance coverage that is only offered by these providers:

• Allstate
• Erie
• Farmers
• Geico
• State Farm
• USAA

These companies have made it easy for drivers to earn a second income because of the flexibility to choose your own hours, and you don’t even necessarily need your own car to earn money. Nonetheless, you will need to have rideshare coverage in order to be legal on the road in Ohio.

Automation on the Road

It’s amazing to think that we’re discussing self-driving cars and what automation will look like in the state of Ohio.

Autonomous vehicles are currently in the testing phase, meaning that the state is still not ready to deploy any automated vehicles on public roads.

When the state does bring automation to the road, the law will require an operator to be licensed and to have liability insurance, but they do not have to be in the vehicle.

These current laws come courtesy of the IIHS. Only time will tell how these will change, so keep your eyes peeled for more information about self-driving vehicles and their insurance requirements in the future.

What are the safety laws in Ohio?

Driving is considered to be the most popular form of transportation in Ohio. With so many natives and out-of-towners sharing the road, it is imperative that we all follow the state’s safety laws to ensure the well-being of drivers and passengers alike.

DUI Laws

The formal name for driving a car with a blood-alcohol level above .08 is Operating a Vehicle Under the Influence (or OVI) in the state of Ohio.

Punishment for driving while under the influence of alcohol or other controlled substances varies from the first offense to multiple offenses. This chart will show you what to expect in terms of fines, jail time, and more.

As you can see from the preceding statistics, driving while impaired is considered a felony by the fourth offense. The first and second offenses are considered first-degree misdemeanors, while the third offense will be charged as a second to fourth-degree misdemeanor.

Marijuana-Impaired Driving Laws

Recreational marijuana is not legal in the state of Ohio, but it is possible that might change soon. For the time being, it is possible to obtain a medical card to use cannabis, so legislators had to come to an agreement on marijuana-impaired driving laws for the Buckeye State.

According to Responsibility.org, drivers are allowed to have up to two nanograms per se of THC in their system. Anything more is considered to be illegal and you are subject to being charged with an OVI.

Distracted Driving Laws

It doesn’t take a genius to know that paying attention to the road is important for everyone’s safety, especially pedestrians walking on the side of the street or through the middle of a crosswalk.

But it’s a mobile world and using phones while driving is often a part of life.

Whether using your phones to navigate or to stay connected with friends through “speech to text,” it’s legal to use a mobile phone while you’re driving, as long as you’re not considered to be “distracted” by a police officer.

If you are pulled over in Ohio and it was subjectively determined that you were “distracted” by your phone or something else, you are subject to a fine of $100 in addition to any applicable penalty for the underlying violation, according to the IIHS.

In summary, Ohio does not have a handheld ban but everybody must follow the “no texting while driving” rule.

Driving in Ohio

If you’re beginning to think you have Ohio figured out by now, you’re mostly correct.

But to make you as close to an expert as you can possibly be, we’re going to take your knowledge to the next level by uncovering the most interesting facts about driving in the Buckeye State.

Think of this as the trivia section where you can impress your friends based on what you’re about to learn.

How many vehicle thefts occur in Ohio?

While automakers have taken great strides in recent years to make their newest models more secure, vehicle theft is still a grim reality of the world we live in today.

As of 2016, the most popular vehicle among car thieves in Ohio was the 2003 Dodge Grand Caravan with a total of 679 cases reported. The complete top 10 list broken down by model looks like this:

As you can imagine, more vehicle thefts occur in larger cities, but that doesn’t mean that the rural areas of Ohio are exempt from this type of crime. Reference the table below to see a breakdown of each Ohio municipality and its reported number of vehicle thefts. Feel free to use the “Search” bar in the upper-righthand corner to find your city or town right away.

How many road fatalities occur in Ohio?

The Ohio State Highway Patrol reported that there were a total of 1,154 traffic deaths in 2019, up from 1,058 in 2018. There are a number of factors that contribute to these unfortunate statistics that occur every year due to the dangerous nature of driving.

If you want to keep yourself safe, remember to always wear your seat belt, obey traffic laws, and keep in mind the information outlined in this section. Here you’ll learn everything you need to know about the dangers of driving in Ohio so you can avoid becoming a statistic yourself.

Most Fatal Highway in Ohio

Stretching from the southwestern corner of the state to the northeastern border, Interstate 71 is Ohio’s most popular highway and it also happens to be the most fatal. A total of 194 fatalities occurred on I-71 last year, accounting for 16.8 percent of road fatalities for the entire state.

In an effort to make the interstate safer, the Ohio Department of Transportation has been rebuilding and widening large sections of the highway for the past 20 years.

Fatal Crashes by Weather Condition and Light Condition

As a Midwestern state, Ohio sees different types of weather and light conditions based on the time of the year. Here’s how inclement weather and poor sight conditions can play a role in fatal car accidents.

One figure that might stand out is that the majority of fatal crashes occur during normal driving conditions. This may be a testament to Ohioans driving more carefully on rainy or snowy days.

Fatalities (All Crashes) by County

Some counties in Ohio seem to be more dangerous than others. While there is some slight shifting in the numbers every year, the following table will show you a five-year trend of traffic-related fatalities for Ohio’s top 10 counties.

Traffic Fatalities

According to the National Highway Traffic Safety Administration (NHSTA), a broad outline of traffic fatality statistics in Ohio looks like this.

As you can see from the table, automobile drivers who are involved in fatal crashes make up the highest figure of all traffic fatalities in Ohio. Another interesting point is how close the statistics are for both motorcyclists and pedestrians.

Fatalities by Person Type

The data collected from the NHTSA also revealed a breakdown of fatalities by race. As you can see from the following table, the numbers reflect the demographics of the state.

Ohio’s population is 81.51 percent white, which is why this group’s numbers are much higher than the rest.

Fatalities by Crash Type

Fatality numbers also differ depending on what types of vehicles were involved and what caused the accident. Here is a breakdown of fatalities by crash type.

Any time a car veers off course it is never good. That is why crashes involving a vehicle that has departed from the roadway accounts for the most fatalities with a total of 603.

Five-Year Trend for the Top 10 Counties

Data from the NHTSA also found the following five-year trend for fatalities per 100,000 residents.

Given the most recent data, Harrison County is head and shoulders above the rest of the state counties with 59.31 traffic deaths per 100,000 residents. After that, Henry County and Meigs County are the only two to eclipse a rate of over 30.

Fatalities Involving Speeding by County

Speeding is never a good idea. In fact, it leads to the untimely deaths of many Ohioans every ear. This table will break down the number of speeding-related deaths by county.

Cuyahoga County and Franklin County see the most speed-related fatalities. Following them, Hamilton County and Summit County are the only other two in the state to see double digits for speeding deaths.

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Anyone driving with a BAC level of .08 or more is considered alcohol-impaired. Just like speeding, alcohol-impairment behind the wheel causes a number of deaths every year. Here’s a breakdown of just how many per county.

Drinking and driving is found consistently throughout the state. Nonetheless, Franklin County suffers from this behavior more than other counties with a total of 29 fatalities that resulted from an alcohol-impaired driver.

Teen Drinking and Driving

Another unfortunate reality is that some of the fatality statistics we covered in the preceding sections involved teenagers. Although the legal age to consume alcohol in Ohio is 21, that doesn’t always stop high schoolers and young college students from drinking, and some of them take to the road afterward.

A study from Responsibility.org found that alcohol-impaired driving fatalities involving people under the age of 21 occur all across the U.S. The national average for this demographic is 1.2 deaths per 100,000 population. There is a silver lining for Ohio, as the state came in slightly below that average at 0.9.

EMS Response Time

With so much danger on the roads, it’s crucial to have a quick response time for emergency vehicles. Every second is crucial in a major traffic accident, and can very well be the determining factor for whether a person involved will live or die.

According to the NHTSA, EMS response times in Ohio vary depending on whether the crash occurred in a rural or urban setting. Here’s a full breakdown of the data by minutes.

As you can see, it generally takes emergency services longer to respond to crashes in rural areas than urban ones.

What is transportation like in Ohio?

With several major highways and a number of cities spread out across the state, traveling by car is the most popular form of transportation in Ohio.

Nonetheless, the Buckeye State still offers some alternative options, depending on where you are and how far you plan to travel.

In this final section, we’ll examine what it’s like to get around in Ohio and how long it might take you.

Car Ownership

A majority of Ohio households own two cars, but it is not uncommon to have three or even four, according to a report from Data USA.

The interstates in Ohio are designed to make traveling from one major city to the next a straight shot. Eliminating the need to take smaller highways with lower speed limits is a helpful feature of the state’s infrastructure. That’s probably why car ownership numbers are high here.

Commute Time

The average American spends 25.5 minutes commuting to work. Ohioans’ average commute time comes in just under that at a clip of 22.6 minutes, according to Data USA.

There is a small percentage of Ohioans (1.61 percent) that have “super commutes” of 90 minutes or more. If you are part of this group, you might be keeping a closer eye on fuel prices compared to the rest of the pack.

Commuter Transportation

Not everybody wants to drive or own a car. Depending on where you live in Ohio and what you do, you may be able to take public transit, carpool, or even work from home. The following percentages outline the preferred methods of commuter transportation in the state by the number of households.

• Drove Alone: 4.56 million
• Carpooled: 420,000
• Worked at Home: 233,000
• Walked: 114,000
• Took Public Transit: 79,800
• Other: 37,000

Traffic Congestion in Ohio

Traffic congestion in Ohio is mild to moderate, even in the state’s most populated cities.

Columbus is considered to have the worst traffic in the state with a congestion level of 17 percent, according to TomTom. As a reference, Los Angeles has the highest congestion level in the country at 41 percent.

Cincinnati comes in just under Columbus with a congestion level of 15 percent, and Cleveland’s roads move rather swiftly at a rate of 13 percent.

Factoring in the hours Ohioans spent in traffic, the following data from Inrix reflects how much time and money drivers lost over a 12-month period.

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Conclusion

Now that you’ve learned just about everything there is to know about car insurance in Ohio, you’re hard-wired to find a great provider at an excellent rate. Still, we’re only human, so in case there’s anything we might have missed, we want to ask:

Is there anything we covered that you found especially helpful or wish to see expanded?

If not, enter your ZIP code below to see what kind of coverage is available for you right now.

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