Find Cheap Car Insurance in Ashland, OH

Did you know that Ashland has a fascinating history dating back to its establishment in 1815? With deep ties to the coal and oil industries, the city boasts Ashland University, a renowned institution founded in 1878. For a peek into the past, visit the Ashland County Historical Society Museum to uncover the area’s unique heritage.

Having auto insurance is a must when cruising through the Buckeye State’s roads. Turn to Acceptance for the best cheap car insurance in Ohio, customized to fit your needs, no matter your driving history. Stay tuned to unveil the top discounts and keep your budget in check.

You can get basic liability auto insurance in Ashland for an average of $23 a month. That’s a steal compared to the national average of $52 and slightly cheaper than Ohio’s average of $28.

Thinking about upgrading to full car coverage? You could be looking at a monthly cost of around $84, $16 less than Ohio’s average of $100 and $84 less than the national average of $168.

What Does Full vs. Minimum Mean?

When you’re shopping for car insurance in Ashland, it’s important to understand the difference between full coverage and minimal liability.

When opting for minimal liability coverage:

• You’re meeting the state’s legal protection for bodily injury and property damage.
• Coverage includes medical expenses and property repair costs for others in accidents where you’re held responsible.
• It’s about ensuring compliance with the state law to avoid potential legal ramifications.

On the other hand, full coverage:

• Offers protection against a diverse array of risks, encompassing theft and natural disasters, adding a safety net for life’s unforeseen events.
• Covers your own medical expenses and vehicle repair costs in accidents, irrespective of fault, providing support during challenging times.
• Includes an additional layer of reassurance by encompassing protection for fires, vandalism, and other non-collision incidents.

Divergent auto insurance costs in Ashland compared to other Ohio cities stem from factors such as population density, traffic flow, and local crime rates, all of which play a role in determining premiums. Refer to the table below for a breakdown of average monthly rates in different cities across the Buckeye State.

Compare Car Insurance Rates by Zip Code in Ashland

The location of your residence can have an impact on your insurance expenses. However, in Ashland, all drivers share the 44805-zip code, with an average motorist paying $23 for basic coverage and $84 for full insurance.

Low-Cost Car Insurance Rates by Age in Ashland

Finding car insurance for young drivers can really hit your wallet hard. Providers often bump up the prices for younger drivers since they view them as riskier. As you edge towards your thirties, you’ll likely see those premiums start to shrink, continuing on a downward trend until you hit 65. Once you reach that age, insurers might start categorizing you as a high-risk driver again, assuming a decline in visual and other capabilities. Look at the breakdown of monthly average expenses for various age groups in Ashland in the table below.

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

How Many Accidents Happen Per Year in Ashland, Ohio?

According to figures from the Ohio State Highway Patrol, Ohio sees around 1,154 fatal crashes each year.

Ashland County, where Ashland is located, recorded 36 fatal crashes from 2018 to 2022. Even though the county stats are relatively low and Ashland is a small town, the risks still linger. Besides injuries and tragic outcomes, car accidents also impact insurance premiums, so it’s always important to drive with caution on the roads.

Are Road Infrastructure and Bridges in Ashland Well Maintained?

The Streets Department in Ashland keeps the city’s streets and infrastructure in good shape. They do annual maintenance, which includes repaving roads, fixing potholes, managing snow and ice, street cleaning, and taking care of traffic signs.

Meanwhile, the Ohio Department of Transportation takes care of the local highways and bridges to ensure safe travels. They work on projects like urban resurfacing for U.S. Route 42 and State Route 96, as well as replacing the bridge on U.S. Route 42.

All drivers in Ashland and across Ohio are required to have at least the minimum liability auto insurance as mandated by the law. This includes:

• $25,000 for bodily injury per person
• $50,000 for bodily injury coverage per accident
• $25,000 for property damage

Many drivers decide to go above and beyond the state’s minimum requirements when it comes to car insurance. By choosing higher coverage limits, they ensure that they have more financial protection in case of a serious accident. Lowering deductibles can also provide them with greater peace of mind, as they will have to pay less out of pocket if they need to make a claim.

Ohio holds the tenth spot on the list of states with the most drivers without vehicle protection. If you’re caught driving without auto insurance, you could face some serious consequences. These include getting your license suspended for anywhere from 90 days to two years, having your vehicle plates taken away, and having your registration suspended. You might also end up having to get high-risk insurance for several years and pay court costs.

And that’s not all! To get your license back, you’ll have to pay fees ranging from $40 for the first offense, $300 for the second, or $600 if it happens again. On top of that, you might also have to deal with impound fees.

To make matters even more complicated, if you rack up multiple insurance violations, you could find yourself unable to register a vehicle in Ohio for up to five years. So, it’s always best to play it safe and make sure you’re covered before hitting the road!

Your insurance premium is determined by a range of factors, not just the average cost in your area. These include:

• Relationship status
• Your credit score
• Driving record
• Your job
• The deductible of your policy

While some of these factors might nudge your premium higher, there are things you can do to bring the cost back down, like staying out of accidents.

While car insurance in Ohio may not break the bank, it can become significantly pricier for individuals under 23 or those just starting their driving journey. On the other hand, senior citizens enjoy the most budget-friendly rates for coverage.

Consider this: a teenager in Ashland could expect to pay an average of $117 for basic coverage, while a 50-year-old experienced driver might only shell out around $21 for the same level of protection – that’s a difference of over 5 times! So, if you fall into the youthful age bracket, it’s essential to shop around before committing to a policy.

Are you looking to cut costs and pad your savings a bit? By tapping into the world of auto insurance discounts, you can give your monthly budget a welcome lift.

In Ashland, drivers have access to a variety of discount options, such as: