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Ohio Insurance Quotes: Lowest in the Country?

Okay, Ohio insurance quotes are not really the lowest in the country, but it’s still shocking to many people to learn that by combining the two most common types of private insurance (car and homeowners), Ohio trails only Idaho and Wisconsin for cheapest in the country. Of course, if you live in a high-risk area, have a poor driving record, or own a large, expensive home, these lower average rates may mean little to your situation. Likewise, many people in the Buckeye State are hurting economically, so every dollar counts. With that in mind, NetQuote provides you with a painless way to compare Ohio insurance quotes from several companies that offer coverage in the state. Take a look at the most common types of Ohio insurance and, then, fill out our brief online form to get the ball rolling to compare insurance quotes.

Common Types of Ohio Insurance Quotes

  • Ohio Car Insurance: According to the National Association of Insurance Commissioners, the average Ohio car insurance premiums were $628 a year, in 2006, the last year for which comprehensive data is available. The state ranked 41st (out of 51 including D.C.) in terms of car insurance costs. Although the state’s car insurance requirements (bodily injury and property damage liability) were also among the lowest in the nation, what makes this rank particularly impressive is the Ohio’s high population density –usually a sign that a state’s car insurance will be more expensive.
  • Ohio Homeowners Insurance: In 2006, the average cost for Ohio homeowners insurance was $530, tied for 5th lowest, according to NAIC. Again, these insurance rates are lower, on average, because insurance companies don’t have as much to insure. In Ohio, home values are considerably lower than the national average. Plus, the Buckeye State isn’t exactly beset with a bunch of natural disasters or violent storms. That said, much as it is with car insurance, your rates may not reflect these state-wide averages. A million-dollar home sitting on one of Cincinnati’s steep inclines is going to cost a lot more to insure than the average Ohio home.
  • Ohio Health Insurance: According to the Kaiser Family Foundation, healthcare costs were higher in Ohio than the national average ($5,725 vs. $5,283 per capita) in 2004, the last year for which reliable data is available. Worse, healthcare costs were also rising at a faster rate, 6.0% vs. 5.5%. On the other hand, as recently as 2008, Ohio had a much lower uninsured rate than the national average (11.6% vs. 15.4%). Unfortunately, this still leaves a million uninsured Buckeye residents and another half-million residents have health insurance from the expensive, individual market. Whether you’re looking to get health insurance or find cheaper health insurance, NetQuote can help you find the least painful quotes for health insurance in Ohio.

Finding Ohio Insurance Quotes

Finding Ohio insurance is not hard, especially with thousands of Ohio-based insurance companies. But while Ohio insurance quotes may be cheaper than they are in most states, finding the best, most affordable home, health, auto, life and business insurance still requires diligent searching. There may not be any silver bullets out there when it comes to insurance, but by using NetQuote ‘s free, quick, and reliable online referral service, you can find the right insurance company for your needs. You’ll be able to contact insurance companies and review their quotes from the comfort of your own home. This allows you to avoid high-pressure sales situations, but it also allows you to talk to several companies in a very time-efficient manner. We may not have all the answers, but we will help you find the best insurance plan for you.

Ohio Insurance Information By City:

Cleveland Cleveland Heights Columbus
Mansfield Cincinnati Parma
Canton Kettering Toledo
Dayton Mentor Middletown
Hamilton Springfield Akron

Local Insurance by State

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