Cheap Car Insurance in Chillicothe, OH
Everything You Need to Know About Auto Insurance in Ohio
Chillicothe is the seat of Ross County in Southeast Ohio and was incorporated as a city in 1802. The city lies along the Scioto River and Paint Creek in the Appalachian foothills. Chillicothe’s approximately 22,000 residents can partake in outdoor activities like birdwatching and fishing in the area’s five state parks and one national park and hike on the area’s over 200 miles of trails. US-50 intersects with OH-104 in the middle of Chillicothe.
Before you face that heavy traffic on US-50, make sure you’re covered with the best car insurance in Ohio. If you don’t know how to get started, keep reading to learn about Ohio’s minimum required protection, information an agent will review to determine your rate, and available discounts for which you might qualify.
How Much Does Car Insurance Cost in Chillicothe, Ohio?
Chillicothe residents pay around $23 a month for liability coverage and $91 for a full policy — that’s quite a bit less than the national monthly average of $48 for liability and $147 for full coverage.
What Does It Mean If Ohio Is an At-Fault or No-Fault State?
You’re driving down Corridor C, and another driver crashes into you, sending you off into the grassy median. Who pays for the damage? If Ohio were a no-fault state, each driver would pay for their own vehicle damage, regardless of who was at fault. But Ohio is an at-fault state.
An at-fault state means that the driver who crashed into you is responsible. Fingers crossed they have enough liability coverage to get you back on the road with a repaired or replaced vehicle. If not, hopefully, you have uninsured/underinsured motorist coverage to pay for your expenses. According to Ohio law, you’re entitled to sue for your damage if necessary.
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Affordable Car Insurance Rates Comparison by Cities in Ohio
Some people might think insurance rates are the same regardless of where you live. But that’s not exactly true. Agents look at various factors from city to city, including cost of living, healthcare, and auto repair costs in your area.
There’s a small difference in rates for Chillicothe residents as compared to some other Ohio cities:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Chillicothe | $91 | $23 |
| Bucyrus | $82 | $23 |
| Columbus | $93 | $30 |
| Springfield | $98 | $34 |
| Cambridge | $92 | $22 |
Affordable Chillicothe Car Insurance Rates by Zip Code
Your zip code does more than just tell the postal worker where to deliver your mail. It also tells your insurance agent whether you’re at higher risk for filing a claim. This variation is due to crime and accident statistics as broken down by zip code — if you live in an area with a lot of accidents, your chances of having a claim increases.
Residents of the only Chillicothe zip code can expect to pay around the following rates:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 45601 | $91 | $23 |
Low-Cost Car Insurance Rates by Age in Chillicothe
One key factor that determines your rates is your age. You can expect to pay more than middle-aged drivers if you’re a teenager or a senior driver. The reason is that drivers in these age groups (statistically speaking) pose more risk of accidents.
Here is a breakdown of rates you can expect to pay at each age:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $388 | $119 |
| 20s | $105 | $26 |
| 30s | $91 | $23 |
| 40s | $81 | $22 |
| 50s | $76 | $20 |
| 60s | $77 | $22 |
| 70s | $93 | $28 |
* Methodology: We used the following demographic to determine the average monthly premiums for Chillicothe 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 Chillicothe
How Many Fatal Accidents Happen in Chillicothe?
In 2022, the United States Department of Transportation reported no fatal accidents in Chillicothe. Ohio statistics show there were 5,731 enforcement stops and 1,229 crashes investigated in Chillicothe in 2023. Officers also gave 350 citations for driving with a suspended license that same year.
How Are the Road Infrastructure and Bridges in Chillicothe?
The Chillicothe Engineering Department plans and manages the Street and Alley Program, which handles street and alley paving. The city’s Traffic Department manages traffic signals and street markings to keep travelers safer on the road. The main roads through town have moderate cracking but no signs of potholes.
The Chillicothe bridges are well maintained with smooth surfaces for safe driving. The Ohio Department of Transportation takes on area projects such as the 2025 Bridge Street project to add traffic lanes, sidewalks, a roundabout, and bike path access.
Minimum Car Insurance Requirements in Chillicothe
That monthly payment of $23 (give or take a few dollars) will get you the minimum liability car insurance you need to drive legally in Chillicothe. This policy covers:
- Bodily injury liability: $25,000 per person
- Bodily injury liability: $50,000 per accident
- Property damage liability: $25,000 per accident
Consider asking your agent about bumping up your limits to give you even more protection should you cause an accident with a vehicle worth more than $25,000. And if you’re lacking ready cash in the bank, consider bumping up your coverage to a full policy for your own vehicle protection and medical bills.
What Are the Penalties for Driving Without Insurance in Chillicothe, Ohio?
You may have wondered if buying car insurance is necessary, especially if you only drive a few days a week. But no matter how many miles you drive, you need a policy to protect you and other drivers. Without protection, you’re subject to serious penalties, such as the following:
- Loss of driver’s license
- Loss of vehicle registration
- Fees (license reinstatement and court costs)
- High-risk driver status
If you cause an accident, expect even more penalties, including major expenses for damage you cause other drivers and potential legal trouble.
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Factors Allowed in Chillicothe Car Insurance Rates
Having some information ready can help make applying for a policy easier. Your agent will ask for several details, including:
- Average mileage you drive
- Gender
- Car age, make, and model
- Credit history
- Number of years you’ve been driving
- Marital status
- Your profession
The agent will also verify your driving record. If you have a clean record with no tickets or accidents, expect this to be a huge positive in determining your rates.
What Happens If I Damage Property?
You’ve had a lousy day and miss the stoplight where Main Street crosses Bridge Street. You crash into another car, and now your day is even lousier. First things first — stop at the scene and make sure there are no injuries. Once you’ve determined everyone is okay, give the other driver your insurance information, and if the crash is more than just a fender bender, let the police know. You’ll also want to contact your insurance agent right away.
If you crash into an unattended car or non-vehicle property, such as a building, you must try to locate the owner. If you are unsuccessful in finding them, leave a note on the item and report your accident to the police department within 24 hours to avoid being subject to accusations of a hit and run, which is a serious crime.
What Are the Best Discounts for Car Insurance in Chillicothe, OH?
Factor in a bit of time to discuss discounts with your agent. These can save you a nice bit of money each month. Some for which you might qualify for include:
You may earn an additional discount if your car has anti-theft features, such as a steering wheel lock. Ask your agent if installing one would benefit you in the way of savings.
Get an Online Quote for Car Insurance in Chillicothe Today!
There are busy roads and quiet roads in Chillicothe — in either case, you need car insurance to drive legally. So before you head out for a pleasant day at Yoctangee Park, make sure you’re protected on the way.
Our helpful Freeway Insurance agents can look at your specific situation to find you the cheapest car protection in Chillicothe. All you have to do is fill out a quick online form, visit us in person at your local office, or give us a call at (800) 777-5620.