Cheap Car Insurance in Tiffin, Ohio
Everything You Need to Know About Auto Insurance in Tiffin
Tiffin has plenty to brag about, including being one of the safest college towns in America and having the first church in the world to be wired for electricity. It’s located on the Sandusky River and is called “T-Town” by those in the know. There are 2 private colleges here and a downtown with cozy shops, good food and a farmer’s market every other Saturday.
Located just south of Toledo, the population is roughly 20,000, many of those are college students attending Heidelberg University or Tiffin College. The schools are considered good and there is plenty for families to do, including exporing Collier (Howard) State Natural Preserve or attending a production at the Ritz Theater, built in 1928.
For those who live and travel here, having affordable car insurance in Ohio is important to stay safe and protected when behind the wheel.
How Much Does Car Insurance Cost in Tiffin?
Tiffin residents pay on average $23 monthly for the state minimum liability and $84 on average for full coverage with increased limits of $100K/$300K/$100K. Ohioans overall pay less than the national average with $129 for full coverage and $35.50 for minimum. The nation’s average is $204 for full and $56.50 for minimum.
What Does Full Vs Minimum Mean?
You may be surprised to learn there are many different types of car insurance policies. For example, if your car is financed or leased, your lender may require you to carry something called “full coverage”, which is required liability plus comprehensive and collision.
This threesome means you are protected up to your liability limits for any damage or injury you cause to others, as well as financial protection for you to get your car repaired or replaced regardless of fault or even if you are not in the auto when it happens.
Collision coverage pays to repair your vehicle no matter who caused the wreck. There is a deductible with this type of coverage. Comprehensive coverage pays to repair or replace your vehicle if it is stolen or is damaged by a storm.
Minimum coverage is the basic package required by your state. For example, if you live in Texas, the state requires you to carry $30,000/$60,000 for bodily injury/death liability and $25,000 in property damage liability. However, if you live in New York, you must carry at least $25K/$50K/$10, plus uninsured motorist coverage for $25K/$50K and also personal injury protection (PIP) in the amount of at least $50K.
Minimum coverage costs less, but if you cause an accident, it will not pay for your damage or medical costs.
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Affordable Car Insurance Rates Comparison by Cities in Ohio
Luckily, Ohio has lower car insurance rates that much of the nation. This is because there are fewer claims and plenty of competition. Here’s a look at what some other cities in Ohio average for rates.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Tiffin | $79 | $23 |
| Akron | $100 | $30 |
| Zanesville | $89 | $23 |
| Athens | $93 | $22 |
| Toledo | $120 | $46 |
Affordable Car Policy Rates in Tiffin by Zip Code
Insurers base part of your car insurance quote on where you live. Your zip code tells them a lot about traffic in the area, as well as vehicle crime. There is only one zip code in Tiffin, so that factor is the same for everybody.
Low-Cost Car Insurance Rates by Age
The youngest drivers pay the highest prices. That’s because insurance companies love to look at statistics and, unfortunately, more young, inexperienced drivers file claims than any other group. Plus, there is no driving history to examine (one of the most important factors in your own insurance price).
Do your research (or better yet, have your teen do their research) to find the best prices and follow some easy tips to find cheap car insurance for teens in Tiffin. For example, they may be able to get a good discount for maintaining a certain GPA. To the insurer, this shows a young person is more responsible.
Here’s what you can expect to pay on average each month based on your age group in Tiffin.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $339 | $115 |
| 20s | $108 | $31 |
| 30s | $79 | $23 |
| 40s | $72 | $21 |
| 50s | $69 | $21 |
| 60s | $66 | $20 |
| 70s | $74 | $24 |
* Methodology: We used the following demographic to determine the average monthly premiums for Tiffin 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 Tiffin
How Many Fatal Accidents Happen in Tiffin, OH?
Tiffin is a safe city for drivers on the whole. There was one fatal accident in 2022 and none in 2021 and 2020. However, Tiffin is located in Seneca County, which reported 4 fatal crashes in 2022, 4 in 2021 and 11 in 2020. Of the 1,306 crashes reported in Seneca County in 2022, 43 were alcohol related, 411 were deer related, 28 involved motorcycles, 114 were speed related and 195 involved teen drivers.
How Are the Road Infrastructure and Bridges in Tiffin, OH?
The City of Tiffin maintains the roads in Tiffin. There are several projects underway to improve the roads and bridges, including resurfacing 23 streets. North Sandusky Street in between Hall Street and Tomb Street is planned for construction in 2026 to improve the intersection at Six’s Corners. Another project, the Ella Street River Bridge Project, is almost completed.
Minimum Car Insurance Requirements in Ohio
Ohio drivers must maintain at least these amounts in car insurance:
- $25,000/$50,000 for bodily injury liability (one person/two or more persons)
- $25,000 for property damage liability
The amount of bodily injury and property damage liability you have is used to pay for injuries and damages when you are at fault in an accident. If more than one person is considered at fault, the damages will be split. You will only have up to the amount in your policy. After that, all additional costs come out of your pockets and you can be sued to pay for left over costs. Plus, the expenses related to your own injuries and damages will come out of your pocket if you are the at-fault driver.
What Are the Penalties for Driving Without Insurance in Ohio?
Drivers who cannot show proof of insurance will lose their license until they can prove they have coverage. If you do not have insurance, you could lose your license until you satisfy the court’s requirements. If it happens again, you could lose your license for one year and more with subsequent offenses.
There are also fees and fines associated with driving without insurance. If you violate the court’s order, you may forfeit your vehicle, which the state will sell. You may be required to file a certificate of financial responsibility or an FR-22. Otherwise known as a SR-22 certificate, it identifies you as a high-risk driver and your insurance rates can double or even triple.
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Factors Allowed in Tiffin Car Coverage Rates
As discussed earlier in this article, your age and location play a part in how much you pay for insurance. Insurers use their own complicated algorithms to decide how much to charge you, but they all look at the same information. This information encompasses many different areas of your life, which explains why no two quotes are the same.
One of the biggest factors is your driving history – the safest drivers enjoy the lowest prices. Here are some other factors to consider:
- Your vehicle make and model
- How many miles you drive each year
- Your occupation, the highest degree you earned and your job title
It may not seem fair sometimes, but insurers are gambling that you won’t cost them more money than you’ve paid them. Some studies show those in manager or higher positions file fewer claims, as well as other studies that show those who drive less have a decreased chance of getting in an accident.
Here’s What You Need to Know Driving in Ohio
Ohio has the same basic rules of the road as other states, including laws against distracted driving. However, there are some rather odd ones specific to some cities in the Buckeye State, including:
- It’s mandatory to honk your horn when passing someone, except in Fairview Park, where it is illegal to honk excessively.
- Don’t run out of gas in Youngstown, because it is illegal.
- You cannot drive around the town square in Oxford more than 100 times in a single session.
What Are the Best Discounts for Car Coverage?
Everybody wants to get a deal when they purchase their car insurance. Most insurers offer a variety of discounts. There is usually something that applies to everyone. For example, are you a new customer. There’s a discount for that. Similarly, if you are a returning customer, there is a loyalty discount for that.
Here are a few available discounts and what they are worth:
Good or safe driver (10-30%)
Bundled policies (15-25%)
Low-mileage (5%)
Anti-theft equipment (2%).
Affiliation (15-25% available through memberships, school, etc)
Get an Online Quote for Car Insurance in Tiffin, OH Today!
Although Tiffin roads are safer than most, you still need car insurance to protect your finances. At Freeway, we do the shopping for you. We’ll research your options and give you several great choices with top-rated carriers.
You can get a free quick online quote, stop by a conveniently-located office, or call us at (800) 777-5620.