Cheap Car Insurance in Ashland, OH
Everything You Need to Know About Auto Insurance in Ohio
The city of Ashland, located about 85 miles from Cleveland, is the seat of Ohio’s Ashland County. Formerly known as Uniontown, the area acquired Ashland as its new name in 1822 due to a conflict with another Ohio city already known as Uniontown. Incorporated in 1844, Ashland was once a large producer of toy balloons from which the Ashland BalloonFest grew. The municipality’s Parks and Recreation Department manages 360 acres of various parks and natural settings, including the Audubon Wetlands Preserve. Several highways traverse the city, including US-250, OH-96, and OH-60, giving easy access to most of the municipality. About 19,000 people call Ashland home.
If you’re an Ashland resident, you must have liability car insurance in Ohio to drive legally. And if you’re saving up for your dream home near Ashland University and Freer Field, having the right car insurance is a smart choice — it can save you big bucks in the long run if you’re involved in an auto accident. Keep reading to learn about the average cost of insurance, discounts for which you might qualify, and penalties you might face for driving without insurance.
How Much Does Car Insurance Cost in Ashland, Ohio?
As an Ashland resident, you can expect your insurance rates to be about $23 a month for liability coverage and about $84 a month for full coverage. This is lower than the national monthly average of $48 for liability and $147 for full coverage.
What Does It Mean If Ohio Is At-Fault or No-Fault?
No-fault means that, after a car crash, each driver’s insurance pays for their own damages. While some states follow a no-fault system, which prevents an accident victim from suing the at-fault driver, this is not true in Ohio.
Ohio is an at-fault state (sometimes referred to as a tort system), meaning whichever driver is determined to have caused the accident is liable for the damages. And if the at-fault party’s insurance falls short of monetary coverage, the person they crashed into can sue for the remainder.
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Affordable Car Insurance Rates Comparison by Cities in Ohio
Ashland residents pay slightly lower rates for auto policies than residents of some other Ohio cities, as shown in the chart below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Ashland | $84 | $23 |
| Springfield | $98 | $34 |
| Cambridge | $92 | $22 |
| Toledo | $95 | $36 |
| Cleveland | $118 | $41 |
Affordable Ashland Car Insurance Rates by Zip Code
Certain factors, including higher crime and accident rates in your neighborhood, can mean higher insurance premiums.
You can expect to pay around the following average rates if you live in Ashland’s only zip code:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 44805 | $84 | $23 |
Low-Cost Car Insurance Rates by Age in Ashland
Due to their lack of driving experience, teenage drivers usually pay higher insurance rates than people in their mid-twenties and older. If you are an older person but a new driver, your rates may be higher than other people your age who have been driving for several years.
The average rates for Ashland residents broken down by age range are shown in the following chart:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $358 | $117 |
| 20s | $97 | $26 |
| 30s | $84 | $23 |
| 40s | $75 | $21 |
| 50s | $70 | $20 |
| 60s | $72 | $22 |
| 70s | $87 | $28 |
* Methodology: We used the following demographic to determine the average monthly premiums for Ashland residents: a 30-year-old male carrying the state’s minimum liability requirements and the state’s full coverage requirements. Premiums vary due to factors such as age, deductible amount, liability limits, discount program eligibility, type of car, and more.
Driving Conditions in Ashland
How Many Fatal Accidents Happen in Ashland?
There was one fatal accident in the city of Ashland in 2022, while Ashland County had 10 fatalities that same year.
In 2023, Ashland County statistics show 1,093 car crashes, 34 of which involved alcohol. Youths were involved in 340 of these accidents.
Stay alert to maintain awareness of unexpected movements of other drivers. Avoid drinking and driving. And be sure to buckle up and follow the rules of the road.
How Are the Road Infrastructure and Bridges in Ashland?
The City of Ashland Streets Department maintains the city’s streets, roads, and infrastructure. Their year-round services include repaving streets, pothole repair, snow and ice control, street sweeping, and traffic sign care.
The Ohio Department of Transportation maintains local highway roads and area bridges for traveler safety through such projects as the U.S. Route 42 and State Route 96 urban resurfacing and the U.S. Route 42 bridge replacement.
Minimum Car Insurance Requirements in Ashland
Ohio state mandates its residents to carry the following minimum amount of auto insurance to drive:
- Bodily injury liability for one person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability: $25,000
While these amounts might seem like a lot of coverage, if you cause an accident to a high-end vehicle, these limits may fall short. Bumping up your coverage can help avoid the risk of large out-of-pocket expenses in case of unforeseen road catastrophes. Making such a choice can also protect your assets, including your home, which injured parties can sue for if you cause them costly injuries.
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What Are the Penalties for Driving Without Insurance in Ashland, Ohio?
Statistics show about 17% of Ohio drivers are uninsured. If a police officer catches you driving uninsured in Ohio, you may face the following penalties:
- Loss of driver’s license for 90 days (first offense)
- Loss of driver’s license for one year (second offense)
- Loss of driver’s license for two years (third and subsequent offenses)
- Vehicle license plate confiscation
- Registration suspension
- High-risk coverage for three to five years
- Court costs
On top of these penalties, you’ll need to pay additional fees to regain your license, such as the following:
- License reinstatement fee of up to $40 (first offense)
- License reinstatement fee of up to $300 (second offense)
- License reinstatement fee of up to $600 (third and subsequent offenses)
- Pay an impound fee to get your car back
If you are caught driving uninsured three or more times, you must forfeit your vehicle, which will be sold. You will also be unable to register a vehicle in Ohio for five years.
Factors Allowed in Ashland Car Insurance Rates
To determine your policy premiums, Ashland insurance underwriters first gather a variety of factors, including:
- Your age
- Residence zip code
- Vehicle age
- Vehicle make and model
- Your driving history
- Credit score
- How many miles you drive
Your insurance agent then comes up with a rate based on their prediction of how likely you are to file a claim as compared to other drivers with similar circumstances. Agents also consider factors such as the current cost of healthcare and auto body repair.
What Happens If I Damage Property?
If you are involved in an auto accident, Ohio law requires you to stop at the scene and give the other party your contact information. If you crash into an unoccupied parked car (or other property), you must leave a note containing your contact information secured to the vehicle. You then have 24 hours to report your accident to the city police department or the county sheriff’s department where the accident took place.
Take photos and notes about the accident and location. Call your insurance company right away.
If you leave the scene of an accident in which you’ve caused serious physical harm to another person without first providing your contact information, you may be charged with a felony.
What Are the Best Discounts for Car Insurance in Ashland, OH?
Once your agent has figured out your base rate, they can look for discounts for which you might qualify. These may include:
If you need another insurance policy along with your auto coverage, such as homeowners insurance or renters coverage, you may be able to earn a multi-policy discount (usually between 5% and 15%) for buying both policies through one agent. If you insure more than one car through your agent, this may also mean an additional discount.
Get an Online Quote for Car Insurance in Ashland Today!
If you’re one of the more than 8 million drivers who call Ohio home, isn’t it time you protect yourself on the road?
Get in touch with your friendly Freeway Insurance agents, who are ready to help you find the cheapest car insurance in Ashland. You can fill out a form for a quick quote, stop by your local office, or call us at (800) 777-5620.