Cheap Car Insurance in Findlay, OH
Everything You Need to Know About Auto Insurance in Ohio
Findlay, Ohio, is the county seat of Hancock County and Northwest Ohio’s second-largest city. Its approximately 40,000 residents can enjoy learning about local history at the Hancock Historical Museum, taking in the abundance of restaurants and live performances around town, and other activities, such as hiking and bird watching at the many local parks, including the Oakwoods Nature Preserve. Easy access to I-75, US-68, and US-224, plus Ohio State Routes 12, 15, 568, and 37, makes getting around town easier.
Before you set out on US-224 for a day of swimming at Riverside Park, protect yourself with the best car coverage. Residents must have liability car insurance in Ohio to drive legally. Keep reading to learn about auto insurance, including the difference between minimum and full coverage and how to earn car policy discounts.
How Much Does Car Insurance Cost in Findlay, Ohio?
Drivers pay about $22 a month for liability auto coverage and about $76 a month for full coverage in Findlay. This is compared to the national monthly average of about $48 for liability and $147 for full coverage.
What Does Full vs. Minimum Mean?
If you’re distracted by a lively soccer game while driving down South Blanchard Street and crash into someone’s fence, will your auto policy cover the damage? That depends.
If you have liability-only coverage, your insurance should pick up the tab for the fence and any other damage you’ve caused someone else (up to your policy’s limits), but you’ll be on the hook for covering your own car repairs. With a full policy, though, that coverage would extend to your own damages.
A full policy also includes comprehensive coverage, which pays for damage from natural events, such as a tree falling on your car, and loss from theft and vandalism.
Getting a Free Auto Insurance quote with Freeway is easy!
Affordable Car Insurance Rates Comparison by Cities in Ohio
Findlay residents pay slightly less for auto coverage than residents in some other Ohio cities, as shown in the chart below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Findlay | $76 | $22 |
| Dayton | $98 | $41 |
| Cincinnati | $98 | $45 |
| Springfield | $98 | $34 |
| Toledo | $95 | $36 |
Affordable Findlay Car Insurance Rates by Zip Code
Below is the average monthly premium paid in the one zip code in Findlay, Ohio.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 45840 | $76 | $22 |
Low-Cost Car Insurance Rates by Age in Findlay
Teenagers pose the highest risk for insurers due to their limited driving experience. With age comes experience — you can expect your rates to decrease as your age increases if you maintain a clean driving record. Keep in mind if you started driving as an older person, you’ll fall into the less-experienced driver category and can expect higher rates.
The chart below shows what Findlay residents can expect to pay on average at each of the following age ranges:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenager | $327 | $111 |
| 20s | $88 | $25 |
| 30s | $76 | $22 |
| 40s | $68 | $21 |
| 50s | $64 | $19 |
| 60s | $66 | $21 |
| $70 | $80 | $27 |
* Methodology: We used the following demographic to determine the average monthly premiums for Akron 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 Findlay
How Many Fatal Accidents Happen in Findlay?
There were no fatal accidents in Findlay in 2022 and 7 injury crashes with alcohol or drugs involved. There were 834 total crashes in that year, according to reports from the Findlay Police Department. Of those, 6 involved pedestrians and 11 involved motorcycles.
How Are the Road Infrastructure and Bridges in Findlay?
The City of Findlay Street Department maintains, repairs, and improves city streets and alleyways with traveler safety in mind. These city tasks include snow removal, pothole repair, street sealing and sweeping, street sign replacement and maintenance, and traffic line painting. This department also sets up and removes traffic barricades and temporary signs for special events and emergencies like power outages.
The Ohio Department of Transportation (ODOT) maintains area bridges and works on projects such as the State Route 568 bridge rehabilitation project, which is due to start in 2025 on the southeast side of Findlay. For this project, ODOT will replace bridge decks and slabs and patch and seal concrete surfaces. Watch for distracted drivers around detour signs and proceed with caution around temporary road closures.
Minimum Car Insurance Requirements in Findlay
The Buckeye State requires its residents who drive to carry the following minimum coverage:
- Bodily injury liability for one person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability: $25,000
These limits are a good start but may not cover everything if you cause someone significant losses. If your insurance doesn’t cover the full amount, you’ll pay out of pocket for the rest.
This minimum coverage also doesn’t cover your own damages, including medical expenses. If you want to avoid dipping into your personal funds to cover your own accident costs, consider purchasing full coverage. Your agent can tell you how much more you’d have to pay to also bump up your liability limits.
What Are the Penalties for Driving Without Insurance in Findlay, Ohio?
If you’ve decided to skip a few insurance payments to save some cash, it could cost you more in the long run if a police officer pulls you over and asks for proof of insurance. Your penalties may include:
- A 90-day suspension of your driver’s license
- License reinstatement fee
- SR-22 requirement
- Loss of vehicle license plates and registration
- Potential loss of your vehicle (for repeat offenders)
- Court fees
If you don’t have any insurance or even adequate coverage and you cause an accident, the person you hit has a legal right to take your assets to cover the damage you’ve caused. Your wages might even be garnished to cover their losses.
Your insurance company should give you a 10-day notice before they cancel your policy for having missed your payments — it’s the law. So, if your payment is just a little late, contact your agent right away to see about getting back on track.
Find an office near you to help with your auto insurance
Factors Allowed in Findlay Car Insurance Rates
Findlay agents review various factors to help them figure out how likely you are to file a claim, such as:
- Your age
- Your profession
- Your marital status
- Your sex
- Vehicle age
- Vehicle make and model
- Driving record
- Credit score
- Mileage
City driving poses a greater accident risk, so drivers who live there tend to pay more for insurance. If your situation changes, such as switching from a daily commute to a work-from-home job with no commute, contact your agent right away and let them know.
Auto Insurance Rates for Young Drivers vs. Older People in Findlay, Ohio
Teenage drivers tend to have the highest rates due to their lack of driving experience and statistically risky behavior. If you are in high school or college, you may qualify for a good student discount. You might also be able to earn a discount if you successfully pass a defensive driving course and drive an inexpensive car.
Rates tend to go down as you age (if you’re a safe driver) until you reach your 70s, when health plays a part in your rates. Some insurance companies offer a senior discount for good drivers who pass a driving course.
Your rate may be higher or lower depending on your specific situation (such as if you started driving later in life). Your agent can answer any questions.
What Are the Best Discounts for Car Insurance in Findlay, OH?
Be sure to ask your agent about available discounts if you’re looking to cut costs on your coverage. You might be eligible for one or more of the following:
If you choose a higher deductible, your monthly rates should go down. But you’ll only want to choose a higher deductible if you have ready cash for an unexpected vehicle event.
Maintaining a clean driving record with no tickets or accidents can show you are a lower-risk driver and earn you a good driver discount.
Get an Online Quote for Car Insurance in Findlay Today!
Statistics show about 17% of Ohio drivers are uninsured. Get the best auto coverage and be one of the 83% protected drivers. We can help!
The Freeway Insurance agents are ready to find you the cheapest car insurance in Findlay. It couldn’t be easier — just fill out a form for a quick quote, stop by a nearby office, or call us at 800-777-5620.