Can You Show Car Insurance on Phone in Ohio
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Ohio has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Beavercreek typically pay around $0.00 per month compared to the national average of $134.02 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
| Area | Average Monthly Rate |
|---|---|
| National | $134.02 |
| Ohio | $90.02 |
| Beavercreek, Ohio | $0.00 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that's why it's important to compare. According to our data, generally has the most affordable car insurance in Beavercreek coming in around per month. Other companies to consider if you live in Beavercreek is with an average cost of per month and which typically runs around per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Beavercreek.
| Rank | Company | Average Monthly Rate | Comparison State Average |
|---|
Rates can vary from city to city. The residents of Cincinnati typically pay $112.04 per month while people who live in Cleveland will pay $98.28 per month on average. See what people pay for car insurance in other cities in Ohio.
| Ohio Cities | Monthly Average Rate |
|---|---|
| Cincinnati | $112.04 |
| Cleveland | $98.28 |
| Columbus | $102.25 |
| Dayton | $84.33 |
| Toledo | $101.61 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Ohio. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you're taking.
| Beavercreek, OH ZIP Code | Average Monthly Rate |
|---|
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around per month in Beavercreek. Compare that to drivers in their 30's who typically pay around per month drivers in their 40s at per month. It's always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
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| Company | Average Monthly Rate |
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Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Beavercreek, the average monthly rate for a driver who is currently insured is while drivers who are not currently covered will pay around .
| Coverage | Average Monthly Rate |
|---|
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you'll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it's worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Beavercreek a driver of a can expect to pay around per month while someone that owns a may pay around per month. Check out the list of recent quotes in Beavercreek below.
| Vehicle | Average Monthly Rate |
|---|
What Is the Minimum Liability Coverage Requirement in Beavercreek, OH?
Every state requires drivers to have a minimum amount of liability coverage. Ohio drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
- $25,000; Bodily injury coverage per person; Maximum payment for serious injury or death to a single person
- $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
- $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you
You like to keep it simple, and so do we! Just don't go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Ohio, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed "at fault" in an accident that causes injury and lost wages to another driver or passengers in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver's vehicle. Trust us, you'd want this coverage even if it wasn't legally required!
What Is the Blood Alcohol Concentration (BAC) limit in Beavercreek, OH?
It is illegal for an individual to operate a motor vehicle in Ohio with the following BAC percentages:
.08%+ @ 21 years old or older
.04%+ for commercial vehicle drivers
.01%+ @ < 21 years old
What happens if I don't have insurance or my coverage lapses?
The Ohio Department of Public Safety states possible risks as vehicle registration and license plates impounded, driver's license and registration suspension, and your vehicle may be immobilized or forfeited. Liability insurance is a minimum requirement in Ohio (and most others), so be sure to have coverage at all times!
Commute Time in Beavercreek, OH
19.4 Miles
Commute Time in United States
26.4 Miles
Number of Nearest Insurance Agents in Beavercreek, OH
973
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi
Insurance Expert
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
Can You Show Car Insurance on Phone in Ohio
Source: https://smartfinancial.com/auto-insurance/ohio-auto-insurance/beavercreek-oh