What Determines the Cost of Car Insurance in Ohio?

Auto Insurance Basics, Insurance Advice, Liability Insurance

A number of factors can affect the cost of your car insurance in Ohio – some of which you can control and some that are beyond your control.

  1. Age and driving history of principal driver – Crash rates are higher for all drivers under age 25, especially single males. Insurance prices in most states reflect these differences. Also, drivers who cause crashes generally must pay more than those who have gone crash-free for several years.
  2. Age of any other drivers in the family who will regularly use the car (for example, are there any drivers under the age of 25?)
  3. How the car is used (how often and how far you will drive) – People who use their car for business and long-distance commuting normally pay more than those who drive less. The more miles you drive in a year, the higher the chances of a crash.
  4. Claims history – If you’ve not been involved in accidents, or at least not involved in accidents that you have caused, you’ll have lower auto insurance premiums.
  5. Make and model of the car – Car insurance providers often offer discounts to customers who drive safer vehicles. Driving vehicles that rate highly in terms of driver protection and passenger protection, means discounts on insurance.
  6. Where you reside – Generally, due to higher rates of vandalism, theft, and crashes, urban drivers pay more for car insurance than do those in small towns or rural areas.
  7. Coverage required (Collision/Comprehensive, minimum vs maximum coverage, personal liability, high or low deductible) – The higher the deductible, the lower the monthly payment.
  8. Your credit history – It has been shown certain credit information can be predictive of future insurance claims. Where applicable, many insurance companies use credit history to help determine the cost of car insurance. Maintaining good credit can have a positive impact on the cost of your car insurance.


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