Cheap Car Insurance in Greenville, OH

Greenville is a city in western Ohio and the county seat of Darke County. There are 145 nature preserves in Ohio — one such preserve, the Shawnee Prairie Preserve & Nature Center, which encompasses 118 acres of wetlands, forest, and prairies, is in Greenville, where visitors can enjoy hiking trails, a boardwalk, an observation tower, and events at the amphitheater. The city is also home to one of Ohio’s last water-powered grain mills, constructed in 1849 of beams measuring 16.7 yards long. About 13,000 people live in Greenville.

If you have plans to drive down OH-571 for a day of shopping on South Broadway, make sure you have the best car insurance in Ohio to protect you on the way. Ohio requires local drivers to show financial responsibility through liability car insurance. Keep reading to learn more about the risks of driving uninsured, the cost of insurance at different ages, and available car policy discounts.

Greenville residents pay about $24 a month for liability coverage and $84 a month 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?

If you tell your insurance agent you want the minimum auto coverage, what does that get you? It gets you the Ohio-mandated liability coverage. This policy protects you from shelling out large sums of money for damage you cause someone else in an at-fault accident — your liability will take care of those costs (up to your policy limits).

A full policy adds protection for your own damages — it includes collision coverage, which covers physical damage from a collision with another vehicle or a stationary object like a fence, and comprehensive, which covers loss from natural events such as severe weather, theft, and vandalism.

It’s a good idea to increase your coverage if you opt to purchase only the state-required liability policy to protect your finances in the case of a serious accident. To find out how, just ask your agent about adding “umbrella coverage.”

How Many Fatal Accidents Happen in Greenville?

There were no fatal accidents in Greenville in 2022. According to the Ohio State Highway Patrol, the Greenville Police Department reported one fatal crash in 2023.

How Are the Road Infrastructure and Bridges in Greenville?

The city of Greenville maintains and updates its local roadways, such as the Sweitzer Street (State Route 49) project, for which they installed left turn lanes (providing emergency vehicle access), sidewalks, and lighting to reduce car crashes and improve pedestrian safety in this heavy-use area. For this project, Greenville applied for and received funds from the Ohio Department of Transportation, with the city of Greenville covering the remaining costs.

Greenville’s historic bridges include the Broadway Bridge, built in 1909, through which State Route 49 and 571 cross Greenville Creek, connecting the city’s north and south sections.

As an Ohio resident, you must carry the following liability insurance to drive legally:

In 2022, Ohio ranked 10th for having the most uninsured drivers (17.1%). If you fail to show proof of insurance when a police officer stops you or after you’re in an accident, you can expect any of the following repercussions:

Agents consider various factors to figure out your premium, including:

Teenage drivers pose the greatest risk of having an accident. Once you add a teen driver to your policy, expect your rates to increase regardless of how much they drive. Also, Ohio agents take the “household rating” into account, which means if you have three people in your home but only one with a bad driving record, their record can affect your rates — if your teenager has an accident, your own rates are likely to rise.

Research shows that as a person ages, especially into their 70s, they are more likely to have a car crash. This increased risk translates to increased insurance rates.

If you are between 60 and 70 years old and have had no tickets or accidents in the preceding three years, you may be able to earn a discount on your liability coverage by passing an accident prevention course. The class must be approved by the Ohio Bureau of Motor Vehicles and consist of eight hours of in-class instruction as well as a driving test. Your discount should be good for three years.

There are a number of ways to save money on your Greenville car policy. You may be able to receive a discount for any of the following:

You can also adjust your deductible to lower your monthly payment. This option is best if you have available funds to cover damage you may cause in an at-fault accident. If you don’t have cash on hand, you leave yourself open to a lawsuit should you cause an accident in which damages go beyond your policy limits.