The average yearly Ohio auto insurance premium is about $900, but there is wide variation around this average. Many factors can affect your premium. Not all companies use all of these factors, and some might use factors not listed here. Your premium may depend on:
1. Your driving record - The better your record, the lower your premium. If you have had accidents or serious traffic violations, it is likely you will pay more than if you have a clean driving record.
2. How much you use your car - The more miles you drive, the more chance for accidents. If you drive your car for work, or drive it a long distance to work, you will pay more
3. Where your car is parked and where you live - Where you live and where the car is parked can affect the cost of your insurance. Generally, due to higher rates of vandalism, theft and accidents, urban drivers pay a higher auto insurance price than those in small towns or rural areas.
4. Your age - In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. So insurers generally charge more if teenagers or young people below age 25 drive your car
5. The car you drive - Some cars cost more to insure than others. Variables include the likelihood of theft, the cost of the car, the cost of repairs, and the overall safety record of the car.
6. The type and amount of coverage - In virtually every state, by law you must buy a minimum amount of liability insurance. Buying higher limits will cost more, but not proportionately more. So twice the minimum liability coverage will not double the premium.