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Auto insurance is a must-have for drivers across the United States. However, the requirements and regulations vary from state to state. Ohio, for instance, has its own set of laws and regulations that drivers must comply with when it comes to auto insurance.
One of the most significant differences between Ohio and other states is the minimum coverage requirement. In Ohio, drivers are required to have liability coverage, which includes bodily injury liability and property damage liability. The minimum amount of coverage required is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage. This is lower than the minimum requirements in many other states, such as California, which requires $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 per accident for property damage.
While the minimum coverage requirement in Ohio may seem low, it is important to note that Ohio has a relatively low rate of uninsured drivers. According to a study by the Insurance Information Institute, only 12.4% of drivers in Ohio are uninsured, compared to the national average of 13.0%.
However, there are still some problems specific to Ohio when it comes to auto insurance. One of the biggest issues is the high cost of auto insurance in certain areas of the state. According to a study by ValuePenguin, the average cost of auto insurance in Ohio is $904 per year. However, this number can vary widely depending on where you live. For example, drivers in Cleveland pay an average of $1,299 per year for auto insurance, while drivers in Columbus pay an average of $878 per year.
Another issue in Ohio is the prevalence of distracted driving. According to a study by the Ohio Department of Public Safety, distracted driving was a contributing factor in 13,997 crashes in Ohio in 2019. This is a significant increase from 2018, when distracted driving was a factor in 13,444 crashes. These crashes can lead to higher insurance rates and more expensive claims, which can impact all drivers in the state.
In conclusion, while the minimum coverage requirements for auto insurance in Ohio may be lower than in other states, the state still has its own unique set of problems when it comes to auto insurance. Drivers in certain areas may face higher premiums, and distracted driving is a significant issue. It is important for all drivers in Ohio to be aware of these issues and to make sure they have adequate auto insurance coverage to protect themselves and others on the road.