Cheap Car Insurance in Celina, OH
Everything You Need to Know About Auto Insurance in Ohio
Celina is the seat of Mercer County in Western Ohio and sits on the shores of Grand Lake St. Marys. Almost 11,000 people live in Celina, where they enjoy activities on the lake, as well as the yearly Celina Lake Festival, a three-day event with boat races, fireworks, live music, carnival rides, handmade crafts from local vendors, and an assortment of fair foods. Celina takes up 5.27 square miles, a fraction of which is on the water.
Main Street can get busy, especially when drivers are backing out of their streetside parking spaces. But you can rest assured that your vehicle is protected from damage, small and large, when you have the best car insurance in Ohio. Keep reading to find out the state-required minimums, the information you’ll need to provide for your agent, and average rates.
How Much Does Car Insurance Cost in Celina, Ohio?
If you’re looking for auto coverage in Celina, you can expect to pay around $23 a month for liability coverage and $78 for a full policy. This is compared to the national monthly average of $48 for liability and $147 for full coverage.
What Does Full vs. Minimum Mean?
By protecting other drivers, you protect yourself — this is what liability coverage does for you. See, drivers in Ohio are legally allowed to sue you for damages you cause in an accident. This means if you lack liability insurance, you’ll be on the hook for their damage out of your own pocket. Wouldn’t it be better to let your policy foot the bill?
Full coverage protects you by paying for your vehicle damage, medical bills, rental car reimbursement, towing expenses, and lost wages. This means if you hit another driver, an uninsured driver hits you, or your vehicle is damaged in some other way, such as by a natural event (fire, hailstorm, etc.), theft, vandalism, or an animal running in front of your car, your insurance company will pay for the expenses (up to your policy limits).
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Affordable Car Insurance Rates Comparison by Cities in Ohio
Some cities have fewer cars on the road, which may translate to lower rates for you. Celina residents pay slightly lower rates than some other Ohio cities:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Celina | $78 | $23 |
| Chillicothe | $91 | $23 |
| Bucyrus | $82 | $23 |
| Columbus | $93 | $30 |
| Springfield | $98 | $34 |
Affordable Celina Car Insurance Rates by Zip Code
Rates can vary from zip code to zip code due to cost-of-living variations and an increase or decrease in accidents or crime rates.
Celina residents in the city’s only zip code can expect to pay about the following rates:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 45601 | $78 | $23 |
Low-Cost Car Insurance Rates by Age in Celina
Another element that agents look at is your age. While teen drivers generally pay the highest rates, young male drivers have the highest accident rates, so they pay higher premiums than young female drivers. Once you reach your 20s, your rates may drop quite a bit, as shown in the chart below:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $335 | $116 |
| 20s | $89 | $26 |
| 30s | $78 | $23 |
| 40s | $69 | $21 |
| 50s | $65 | $20 |
| 60s | $67 | $21 |
| 70s | $81 | $27 |
* Methodology: We used the following demographic to determine the average monthly premiums for Celina 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 Celina
How Many Fatal Accidents Happen in Celina?
In 2022, there were two fatal crashes in Celina. In 2023, the Celina Police Department reported no fatalities from 148 accidents. Six drivers in these accidents were reported as impaired.
How Are the Road Infrastructure and Bridges in Celina?
Celina’s roads and bridges are well maintained, with minimal cracking, tar patching in some areas, and clear visibility to street signs. Celina city officials conduct projects such as the residential street program to repair and upgrade deteriorating streets, which is funded in part through a grant from the Ohio Public Works Commission and a portion of income tax.
Minimum Car Insurance Requirements in Celina
You must have car protection to drive legally in Celina. The state mandates $25,000 in bodily injury liability per person and $50,000 per accident, along with $25,000 in property damage liability (25/50/25).
Considering the current cost of automobiles, you might want to bump up your limits to avoid paying out of pocket if you cause an accident. And remember, this only covers damage for the person you hit. You’ll pay out of pocket for your own vehicle and medical expenses unless you have full coverage.
What Are the Penalties for Driving Without Insurance in Celina, Ohio?
You let your insurance slide for a few months. What could go wrong? A lot if you’re caught driving uninsured — and even more if you cause an accident.
Here are just a few of the consequences you could face:
- Driver’s license suspension
- Revoked vehicle registration
- Cost to reinstate your license (up to $600)
- Court costs
- SR-22 requirement
If you cause an accident with more than $400 in damages, you may lose your driving privileges for up to two years.
When you add up all the potential financial consequences of driving uninsured, that average $23 monthly payment seems like an easy choice.
Factors Allowed in Celina Car Insurance Rates
Be ready to answer questions about the following when you apply for insurance (it’s how your agent will come up with your rates):
- Age
- Gender
- Marital status
- Your profession
- Car age, make, and model
- Credit history
- Number of years you’ve been driving
- Average number of miles you drive
Your agent will also review whether you’ve filed claims or received tickets. If you have, your rates will be a bit higher than if you had a clean record
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Insurance That Helps You Prepare for the Future
Just like those unexpected thunderstorms and tornadoes hitting the area, disaster on the road can strike at any time. That’s why it’s important to plan ahead. Keep a first-aid kit in your car. Know your area in case you need to find safety. And protect yourself with the best auto policy.
Full coverage will protect your nest egg if you cause an accident by paying for your vehicle damage, medical expenses, rental car reimbursement, towing charges, and lost wages. In the case of wild weather, comprehensive coverage is an important add-on to include, as it will pay for expenses acquired from a storm.
What Are the Best Discounts for Car Insurance in Celina, OH?
If you have more than one car to insure, covering them with one agent should earn you a discount. Here are some other potential ways to reduce your bill:
If you need homeowners or renters coverage (or some other kind of non-car insurance), ask your agent about bundling, which could potentially save you up to 16% off your total bill.
Get an Online Quote for Car Insurance in Celina Today!
When you’ve got a day at Grand Lake St. Marys on your mind, the last thing you might want to do is think about filling out insurance paperwork. But it only takes a little time and then you can be on your way.
You have a unique situation, and Freeway Insurance agents can help. They will review your circumstances to find you the cheapest car insurance in Celina. All you have to do is fill out a quick online form, pay us a visit in person at your local office, or give us a call at (800) 777-5620.