Ohio Car Insurance

How Much Does Ohio Car Insurance Cost?

Ohio car insurance is typically affordable compared to the national average. The rate for an annual full coverage is $1,037, which is 27.3% cheaper than the United States average.

Driving record, marital status, age, credit score and your choice of car insurance company are some of the factors that can affect the price of your premium.

Affordable Car Insurance Quotes In Ohio

At Fred Loya Insurance, we craft customized auto insurance policies for your specific needs and budget.

The discounts we offer allow us to provide affordable rates as one of the best auto insurance companies in Ohio.

Our benefits include flexible payment options, immediate coverage without a credit check, online payment options, mobile alerts and more.

Get Cheaper Ohio Auto Insurance With Our Discounts

Looking for ways to save on your car insurance? At Fred Loya Insurance we offer numerous discounts to help make your policy more affordable. Check out our discounts below and ask our agents if you qualify for lower rates!

• Prior Insurance Discount

  Have you had auto insurance for the last six months or more? If so, you might qualify for our Prior Insurance Discount.

• Homeowner Discount

  If you are a homeowner, you may be eligible for a cheaper insurance policy with our Homeowner Discount.

• Claim-Free Discount

  If you have a claim-free driving record, you can save on your auto insurance with our Claim-Free Discount.

• EFT Discount

  You can save both time and money through our EFT Discount by setting up automatic monthly payments.

• Vehicle Alarm Discount

  If your vehicle has an alarm system approved by the state, you may qualify for cheaper insurance with our Vehicle Alarm Discount.

• Multi-car Discount

  Looking for the best insurance deal on multiple vehicles? Ask our agents if you qualify for our Multi-car Discount!

• New Car Discount

  Are you the proud owner of a new car a new car? You might be eligible for our New Car Discount.

• Anti-Lock Brakes Discount

  Does your car have anti-lock brakes? Ask our agents if you qualify to save with our Anti-Lock Brakes Discount!

• Air Bag Discount

  Your safety is important to us! If your vehicle has air bags, you may qualify for our Air Bag Discount.

Ohio Minimum Car Insurance Requirements

Coverage	Requirements
Bodily Injury Liability	Bodily Injury Liability covers expenses related to for bodily injury or death if you are found at fault in an accident. The minimum requirements are $25,000 per person and $50,000 per accident.
Property Damage Liability	Property Damage Liability covers vehicle and structure damage expenses if you cause an accident. The minimum requirement is $25,000.

Ohio Car Insurance Laws And Regulations

Ohio Driver’s License Process

Temporary Instruction Permit Identification Card (TIPIC)

If you are 15 ½ years old, you can apply for Ohio’s temporary instruction permit identification card (TIPIC). To apply, you need to:

• Have your parents’ consent
• Pass a written exam
• Pass a vision exam

Your temporary instruction permit identification card is valid for one year.

Probationary Driver’s License

If you are under 18 years old, you can apply for your probationary driver’s license provided you meet the following requirements:

• Have a TIPIC for a minimum of six months
• Complete a driver education course
• Have 50 hours of supervised driving, including 10 hours of night driving
• Pass a driving and skills test

Your probationary driver’s license is valid until the 20th day after your 21st birthday.

Adult Driver’s License

If you have not had a license before, you must apply for a temporary instruction permit identification card (TIPIC).

If you have a valid TIPIC, you can apply for your adult driver’s license after you pass a driving and skills test.

Driving Without Car Insurance In Ohio

Car insurance is mandatory in the state of Ohio. If you cannot prove you have insurance, you will face monetary fines and additional penalties. Penalties include:

First Violation:

• Driver’s license suspension until you present evidence of insurance
• Suspension of your license plate and vehicle registration
• Reinstatement fee: $100
• Additional fine: $50
• SR-22 (high-risk) coverage for 3 to 5 years

Second Violation:

• Driver’s license suspension for one year
• Suspension of your license plate and vehicle registration
• Reinstatement fee: $300
• Additional fine: $50
• SR-22 (high-risk) coverage for 3 to 5 years

Subsequent Violations:

• Driver’s license suspension for two years
• Suspension of your license plate and vehicle registration
• Reinstatement fee: $600
• Additional fine: $50
• SR-22 (high-risk) coverage for 3 to 5 years

Ohio Teen Driving Laws

If you are under 16 years old and have a temporary instruction permit identification card, you can drive only under the supervision of a parent, guardian or licensed instructor sitting in the front seat.

If you are over 16 and have a TIPIC, you can drive when accompanied by a licensed driver who is 21+ years old. Exceptions extend between midnight and 6 a.m. when your supervisor can be a parent or guardian, only.

For the first 12 months with a probationary driver’s license, you are not permitted to:

• Drive unsupervised between midnight and 6 a.m. without a parent or guardian. Exceptions include driving to/from school, work or religious activities.
• Transport more than one non-family passenger unless supervised by a parent or guardian

After the first 12 months with a probationary driver’s license and before you turn 18, you are not permitted to drive between 1 a.m. and 5 a.m. unless you go to/from school, work or religious activities.

Ohio Seat Belt Laws

Seat belts reduce the number of fatalities on the road. The following seat belt laws apply in Ohio:

• Drivers and passengers in the front seats are required to wear seat belts
• Children between 8 and 15 years old need to be properly buckled by a safety belt or another restraint device
• Children between 4 and 8 years old must be transported in booster seats
• Children under 4 years old must be transported in safety seats

Ohio Distracted Driving Laws

Distracted driving can lead to serious accidents and fatalities on the road that could have been prevented.

While drivers over 18 are permitted to talk on a cell phone while driving, texting is not permitted for drivers of any age.

If you are under 18 years old, you are not allowed to use electronic devices unless you need to contact healthcare providers, law enforcement or the fire department.

Penalties for texting while driving are $150.

*All information was gathered from official state websites and is accurate as of November 1, 2021.