Cheap Car Insurance in Bucyrus, OH
Everything You Need to Know About Auto Insurance in Ohio
Bucyrus, the seat of Crawford County, is a city in Northern Ohio, established in the early 1800s. Two key landmarks in the area, the Bucyrus Historical Society Museum and the Scroggs House Museum, display remnants of the city’s rich history. Local industries include automotive, aerospace, and plastics manufacturing. This city, known as the Bratwurst Capital of America, hosts a yearly Bratwurst festival that started in 1968, which thousands of people travel to each year.
It’s important to have the best car insurance in Ohio every time you drive, especially when entering intersections like Hopley Avenue and East Street. Read on to learn about penalties for driving uninsured, what kind of coverage you need, average costs, and how to get discounts.
How Much Does Car Insurance Cost in Bucyrus, Ohio?
Car insurance in Bucyrus will cost you around $23 a month for liability coverage and $82 for a full policy. That’s less than the national monthly average of $48 for liability and $147 for full coverage.
Reasons Why Insurance Is So Cheap in Ohio
Car protection in Ohio is cheaper for a number of reasons, including:
- Fewer natural disasters happen in the state.
- Healthcare costs are lower as compared to other states.
- There are fewer cars on the road (meaning less traffic congestion).
- There are fewer claims than many other states.
Keep in mind that agents consider your personal information when figuring out your premiums, so your rate may vary from that of someone living in your area with a different lifestyle or driving record.
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Affordable Car Insurance Rates Comparison by Cities in Ohio
While the average monthly cost of insurance in Ohio is $34 for liability only and $125 for full coverage, rates vary according to your city of residence.
Here are a few average rates by city as compared to the average policy rates in Bucyrus:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Bucyrus | $82 | $23 |
| Dayton | $98 | $41 |
| Cincinnati | $98 | $45 |
| Springfield | $98 | $34 |
| Blue Rock | $95 | $22 |
Affordable Bucyrus Car Insurance Rates by Zip Code
Agents look at crime rates and the number of accident claims in each zip code (among other things) when determining your premium.
Bucyrus has just one zip code with the following average rate:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 44820 | $82 | $23 |
Low-Cost Car Insurance Rates by Age in Bucyrus
Another factor that influences rates is age. As new drivers, teenagers see the highest rates. However, if you maintain a clean driving record, premiums will go down as you age until you reach your 70s, when they may begin to climb.
Keep in mind that new drivers at any age may see higher rates than those listed in the following:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $346 | $114 |
| 20s | $94 | $26 |
| 30s | $82 | $23 |
| 40s | $73 | $21 |
| 50s | $68 | $20 |
| 60s | $70 | $21 |
| 70s | $84 | $27 |
* Methodology: We used the following demographic to determine the average monthly premiums for Bucyrus 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 Bucyrus
How Many Fatal Accidents Happen in Bucyrus?
Ohio statistics show that 1,150 auto accidents led to 1,242 deaths in 2023 — six of these fatal accidents happened in Crawford County. That same year, there were 358 crash investigations in Bucyrus. Police officers reported 5,989 enforcement stops in the city with 647 safety belt citations.
How Are the Road Infrastructure and Bridges in Bucyrus?
The city of Bucyrus completes maintenance projects such as pavement patching — as of 2024, 1,000 square yards were in the works for repair. The city provides a map of street improvements, including an online street paving list, to which residents can refer to stay aware of road construction.
The bridges in Bucyrus can handle the legal loads and are in good shape with a 24-foot minimum width.
Minimum Car Insurance Requirements in Bucyrus
Bucyrus residents like you must have the minimum liability car insurance to drive legally. The state requires the following minimum coverage:
- Bodily injury liability: $25,000 per person$50,000 per accident
- Property damage liability: $25,000 per accident
While these are the state-required limits, this coverage may not be enough for a serious accident with a high-end vehicle. For example, if you totaled a $40,000 car, this coverage would fall at least $15,000 short. You might consider bumping up your liability limits and purchasing add-ons such as collision insurance (for your own vehicle damage) for better protection.
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What Are the Penalties for Driving Without Insurance in Bucyrus, Ohio?
If a police officer catches you driving uninsured in Bucyrus, you may be subject to the following consequences:
- Revoked driver’s license
- Revoked vehicle registration
- License reinstatement fee
- Court fees
- High-risk driver status
That high-risk status means an SR-22 requirement for three to five years and increased car insurance rates. The average of $23 a month for liability coverage can save you a headache and a bundle of money in the long run.
Factors Allowed in Bucyrus Car Insurance Rates
Among other information to have ready, your agent will want to know your car’s details, such as its age, make, and model. Here is some other information the agent will verify:
- Average mileage you drive
- Gender
- Credit history
- Number of years you’ve been driving
- Driving record
You’ll also need to tell them your marital status and your profession.
Auto Insurance Rates for Young Drivers vs Older People in Bucyrus, Ohio
Your age is one of the most important factors in determining your policy rates. Young drivers generally fall into the higher-risk category because statistics show they are more likely to have accidents and file claims. This means they may pay somewhere around $114 a month for liability and $346 a month for full coverage.
Starting in your 70s, you’re still likely to pay just 25% of what teen drivers pay. However, you may see a slight increase in your premiums due to the risk of health issues that may affect reaction time or vision.
What Are the Best Discounts for Car Insurance in Bucyrus, OH?
Be sure to ask your agent about discounts available. They may be able to offer you one or more of the following:
If you’re a teen or a senior driver looking to lower your rates, ask about taking a defensive driving course, which may give you a break.
Get an Online Quote for Car Insurance in Bucyrus Today!
You might think there’s no worry about car crashes on OH-19. But it’s always a good idea to be prepared for the unexpected, such as a negligent driver, a falling tree, or an animal running in front of your car. Let us help!
Freeway Insurance agents can help you find the cheapest car policy in Bucyrus. And it’s easy! Just fill out the quick online form, stop by in person at your local office, or call us at (800) 777-5620.