Cheap Car Insurance in Ashtabula, OH
Everything You Need to Know About Auto Insurance in Ohio
The city of Ashtabula, Ohio, covers 7.6 square miles and is situated on Lake Erie at the mouth of the Ashtabula River, where an abundance of wildlife thrives, including black bears, bald eagles, and spotted turtles. The river is also a popular destination for fishing, canoeing, and kayaking. About 18,000 people live in Ashtabula.
It’s the perfect day for a picnic at Lake Shore Park! Before you head out, make sure you’re protected with the best car insurance in Ohio. Keep reading to find out the average cost of auto coverage in Ashtabula, how to save money on your premium, and common penalties for driving uninsured.
How Much Does Car Insurance Cost in Ashtabula, Ohio?
As an Ashtabula resident, you can expect your auto insurance to be about $26 a month for liability coverage and $89 for full coverage. The national monthly average is $48 for liability and $147 for full coverage.
What Does Full vs. Minimum Mean?
Imagine you’re driving along OH-531 at Bridge Street on a cold winter day, and your tires slip, causing you to crash into a parked car. There’s no doubt about it — the accident was your fault. What will your policy cover?
If you have minimum coverage, it will cover the damage you’ve caused the other vehicle up to your policy limits. If someone happened to be sitting inside the car and suffered injuries, your plan will also cover their medical bills (again, up to your limits). But as far as your own vehicle repairs — that expense will come out of your pocket.
If you’re smart enough to have full coverage, it will cover your vehicle damage, as well. Full coverage usually also includes features such as towing and rental reimbursement and damage or loss from natural events.
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Affordable Car Insurance Rates Comparison by Cities in Ohio
If you’re looking for auto coverage in Ashtabula, you can expect to pay a bit less than residents in other Ohio cities, as noted below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Ashtabula | $89 | $26 |
| Springfield | $98 | $34 |
| Columbus | $105 | $40 |
| Cincinnati | $98 | $45 |
| Cleveland | $118 | $41 |
Affordable Ashtabula Car Insurance Rates by Zip Code
Residents in areas with high crime rates and increased risk of car crashes usually pay more for their coverage. You can expect to pay around the following rate in Ashtabula’s only zip code:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 44004 | $89 | $26 |
Low-Cost Car Insurance Rates by Age in Ashtabula
Many people consider getting a driver’s license a rite of passage. Keep in mind that auto coverage rates are generally higher in your teen years due to a lack of driving experience — but don’t let the cost of your auto policy deflate your excitement. You may be able to decrease your rates if you drive a lower-priced car with a good safety rating and take a defensive driving course. And as you age, you’re likely to see a drop in your rates if you maintain a clean driving record.
You’re likely to pay around the following rates at each age if you live in Ashtabula:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $394 | $136 |
| 20s | $103 | $29 |
| 30s | $89 | $26 |
| 40s | $80 | $24 |
| 50s | $75 | $23 |
| 60s | $77 | $24 |
| 70s | $94 | $31 |
* Methodology: We used the following demographic to determine the average monthly premiums for Ashtabula 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 Ashtabula
How Many Fatal Accidents Happen in Ashtabula?
Statistics show one fatal accident in the city of Ashtabula in 2022. Fatalities dropped to zero in 2023. There were seven alcohol-related crashes in 2022 and nine in 2023.
Take safety into your own hands by buckling up and avoiding drinking and driving. But that’s not all. Purchasing the right auto coverage is another important step in ensuring your safety — it can pay for your medical bills in an unwelcome situation, such as if an uninsured driver plows into you or you become the victim of a hit and run.
How Are the Road Infrastructure and Bridges in Ashtabula?
Two Ashtabula city departments share road infrastructure maintenance and their projects are ongoing.
Ashtabula County is home to the Covered Bridge Trail, which features the area’s 19 covered bridges, including the Smolen-Gulf Covered Bridge in the city of Ashtabula. The Ohio Department of Transportation maintains local highways and bridges in the city, such as the resurfacing of SR 11 between SR 46 and SR 31 and repairs to the SR 531 lift bridge in 2024.
Minimum Car Insurance Requirements in Ashtabula
If you’re a driver living in Ashtabula, you must have the state-mandated liability auto insurance with minimum limits of:
- $25,000 bodily injury liability for one person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
This coverage pays for damage you cause someone else, whether to another driver’s vehicle or non-vehicle property like fences, mailboxes, or buildings, as well as medical bills or death costs up to the policy limits.
Just keep in mind that this does not cover your own property damage or medical bills. Talk to your Freeway insurance agent about add-ons, such as collision, comprehensive, medical, and uninsured motorist property damage.
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What Are the Penalties for Driving Without Insurance in Ashtabula, Ohio?
Say your paycheck was short, and you’re looking for bills to put off. You contemplate delaying your auto insurance payment. But here’s an important fact — the law gives insurance companies just 10 days to cancel your policy due to nonpayment. Do you really want to take that risk? Especially when you face serious consequences if you’re caught driving uninsured, such as the following:
- Driver’s license suspension
- Vehicle license plate loss
- Vehicle registration loss
- License reinstatement fee
- High-risk coverage for three to five years
- Court costs
Your penalties will increase with each instance of being caught driving uninsured — you’ll eventually be required to permanently forfeit your vehicle.
Factors Allowed in Ashtabula Car Insurance Rates
Agents consider the current cost of local healthcare and auto body repair, as well as theft and fraud, when they figure out your rate. They also take down your personal information to come up with your premium, which includes:
- Vehicle age
- Vehicle make and model
- Your age
- What you do for a living
- Residence zip code
- Mileage
- Credit score
Your driving record is another important factor. If the agent finds you have a clean driving history with no tickets when they look it up, you’ll likely pay less.
Make sure you give accurate information in response to your agent’s questions and keep a copy of your application for yourself.
Here’s What You Need to Know When Driving in Ohio
Before you get on the road, be sure to learn about Ohio state’s laws and penalties.
If you’re convicted of a traffic violation in Ohio, you’ll receive penalty points on your driving record. Some of the point violations are as follows:
- 2 points: Moving violations, speed offenses, restriction violations
- 4 points: Willful or wanton disregard for the safety of a person or property
- 6 points: Hit and run
Once you reach six points, the Bureau of Motor Vehicles (BMV) will send you a six-point warning. If you reach 12 points, the BMV will suspend your driver’s license. In order to regain your license, you’ll need to complete the following:
- Successful completion of a driving course
- File an SR-22 with the BMV
- Pay reinstatement fees
For drivers under 18 years of age, the penalties are much stiffer. For instance, once you are found guilty of two moving violations, you will lose your license for three months. Driving with a suspended license is a first-degree misdemeanor, subjecting you to a fine of up to $1,000 and additional license suspension time.
What Are the Best Discounts for Car Insurance in Ashtabula, OH?
Once your agent has factored in all your personal information, they can look at potential discounts for which you might qualify to lower your rate. Here are a few possibilities:
If you have a work-from-home job and only drive your car on an occasional outing, you may earn a low-mileage discount. If you have emergency funds set aside, you might choose a higher deductible to lower your monthly payment.
Get an Online Quote for Car Insurance in Ashtabula Today!
Research shows about 17% of Ohio drivers are uninsured. That’s a pretty high risk to face, especially if you’re one of the locals on the road every day. Why not see what we have to offer?
The helpful Freeway Insurance agents can help you find the cheapest car insurance in Ashtabula. You can reach out in whichever way is most convenient — fill out an online form for a quick quote, stop by your local office, or call us at (800) 777-5620.