Looking for affordable Auto Insurance Rates? We can help.

LowerOhioRates.com makes searching for cheap Ohio auto insurance rates easy. Simply fill in your zipcode on the graphic below and hit the go button. You'll receive up to four quotes from competing agents who want to help you save money on your insurance rates.

Auto insurance is mandatory in the state of Ohio. You must carry your insurance card in your vehicle and show it upon request by a law enforcement officer. If you are stopped by a police officer and cannot show proof of insurance, you can receive a traffic citation. If you fail to carry insurance on your vehicle, the state can enforce several penalties including revoking driving privileges for a minimum of ninety days and up to two years; suspension of your license plates and vehicle registration, a license plate reinstatement fees of $125 for first violation, $300 for second violation, and $550 for a third and subsequent violation; require continuous filing with the BMV of proof of financial responsibility for up to five years; and confiscation of license plates for 30 to 60 days. Repeat offenders could forfeiture their driving registration privileges for up to five (5) years.

Ohio state law requires a minimum coverage of $12,500 of Bodily Injury Liability per person up to a total of $25,000 for all persons injured in any one accident and $7,500 of Property Damage Liability. While these are the state required minimum coverage amounts, this coverage level is probably not sufficient to fully protect you from financial loss or liability if you are at fault in an accident. If you do not have adequate coverage, the law allows an accident victim to take any assets that you may have in order to cover the costs of their damages. Having additional coverage, in excess of the state minimums, could protect you and your assets in the event of a serious accident. The insurance industry, most consumer groups and most agents typically recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident.

Our customers come from Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, OH and other great cities in the buckeye state to find cheap life insurance and other coverage from top rated insurance companies. Our Ohio insurance agent and broker referral network can help you compare rates with ease.