Cheap Car Insurance in Urbana, Ohio
Everything You Need to Know About Auto Insurance in Urbana
Whether you are into nature, history or the arts, Urbana has some of all – plus more. Those who enjoy taking a stroll through nature will thoroughly enjoy visiting the Cedar Bog Nature Preserve, a place where thousands of critters and plants make their home. For those with an interest in aviation history, you won’t find a more compelling place than the Champaign Aviation Museum, which has several fully-restored WWII bombers. There’s a movie theater, plus other delights in the downtown area.
People live in Urbana due to a low crime rate, major employers such as Honeywell, Rittal, Orbis and Sutphen and good schools. If you live here or are planning to move 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 Urbana?
Urbana residents pay on average $24 monthly for the state minimum liability and $89 on average for full coverage with increased limits of $100K/$300K/$100K. As a state, Ohio offers 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 it Mean if a State is No-Fault or At-Fault?
These terms designate how insurance companies within that state handle claims arising from accidents. An at-fault state, such as Ohio, is where the person or persons responsible for the accident will pick up the tab for the injuries and damages others suffer as a result. In a no-fault state, drivers are responsible for their own injuries, while the responsible driver is on the hook for property damage, such as car repairs.
When you purchase the state-required minimum liability coverage, you are purchasing a guarantee that your insurer will step in to help you pay for any damages you cause in an approved claim up to your policy limits. Many drivers voluntarily increase those limits since any costs over the amount of your policy will be coming out of your pocket.
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Affordable Car Insurance Rates Comparison by Cities in Ohio
The Buckeye State has lower car insurance rates than 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 |
|---|---|---|
| Urbana | $79 | $23 |
| Akron | $100 | $30 |
| Zanesville | $89 | $23 |
| Athens | $93 | $22 |
| Toledo | $120 | $46 |
Affordable Car Policy Rates in Urbana by Zip Code
Where you live and drive the most has an impact on your cost. Urbana only has one zip code, so that factor is the same for all residents purchasing coverage.
Low-Cost Car Insurance Rates by Age
It’s no secret that young and new drivers pay more for their insurance. When an insurer gives a driver a quote, they are factoring in that person’s previous driving history. Better drivers get better rates. Teens don’t come with an established driving history. That, and the fact that as a group they file more claims than any other group, is why their rates are so high.
If you have a new driver in your family, do some research to find cheap car insurance for teens in Urbana. For example, a reliable car with a good safety record will be much less to insure than a sports car.
Here’s what you can expect to pay on average each month based on your age group in Urbana.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $387 | $124 |
| 20s | $181 | $52 |
| 30s | $89 | $24 |
| 40s | $82 | $23 |
| 50s | $78 | $22 |
| 60s | $74 | $21 |
| 70s | $83 | $25 |
* Methodology: We used the following demographic to determine the average monthly premiums for Urbana 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 Urbana
How Many Fatal Accidents Happen in Urbana, OH?
Urbana is a safe city for drivers overall. There was one fatal accident in 2022 and none in 2021 and 2020. However, Urbana is located in Champaign County, which reported 5 fatal crashes in 2022, 8 in 2021 and 1 in 2020. Of the 570 crashes reported in Champaign County in 2022, 16 were alcohol related, 42 were deer related, 13 involved motorcycles, 39 were speed related and 84 involved teen drivers.
How Are the Road Infrastructure and Bridges in Urbana, OH?
In 2017, the city of Urbana invested in a comprehensive study of the streets and roads within the city limits that rated the pavement on a scale of 0-100. This study was updated in 2021 and the city continues to use it as a reference in deciding which streets, curbs and gutters receive priority in maintenance. Some streets under consideration in the next few years include:
- Abbey Lane
- College Street
- Henry Street
- Sara Street
- North Main Street from Washington Avenue north
- And plenty more
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 state of Ohio sets these minimum liability limits to help pay for the fallout from wrecks, including injuries and repairs. For example, if you are driving in a rainstorm and you hydroplane into someone’s new Mercedes, you’ll be responsible for their damages and injuries. With the minimum amount of $25,000 in property damage liability, you may be left owing some out of pocket.
This is why many people increase their limits. Additionally, you will not receive any help paying for your damages, unless you carry collision coverage, which will pay for your own vehicle repairs no matter who is at fault.
What Are the Penalties for Driving Without Insurance in Ohio?
Besides losing your license, in Ohio the state can confiscate your vehicle and sell it if you rack up enough driving without insurance convictions. Each additional charge also costs more in fines and fees.
Ohio also requires drivers who flaunt this law to carry a special kind of insurance for high-risk drivers. This insurance is known as SR-22 coverage and it may make it hard for drivers to find affordable auto coverage. Most insurance companies charge increased premiums for those who must use SR-22 (or FR-22) insurance, if they cover it at all.
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Factors Allowed in Urbana Car Coverage Rates
Insurers use many different things to determine your car insurance quote in Ohio. It starts with what type of car you want to insure, and how much insurance you want to purchase. Reliable, common vehicles with a good safety record cost less to repair and pose less of an attractant to thieves, so they cost less to insure.
From there, they look at your driving history (good driver, lower rates), your location (lots of accidents, higher rates), your age (young drivers pay more) and so on. Surprisingly, they also check items such as:
- Your highest level of education
- Your job title
- Your credit score (in some states)
- Your marriage status
Everybody has unique characteristics that insurers use to come up with a policy quote.
What Happens if I Damage Property?
Your property damage liability is tasked with helping to pay for anything you damage while in your vehicle in an approved claim. Keep in mind that damage you cause while driving intoxicated may not be approved. However, if you simply hydroplane into someone’s fence or a U.S. Postal Service big blue mailbox, your liability insurance should help you pay for the resulting damages.
What Are the Best Discounts for Car Coverage?
Insurers offer discounts in order to attract customers. There are plenty of discounts and some are worth more than others. Typically, your insurer will allow you to use up to three discounts, so you should know which ones are applicable and how much they are worth.
For example, a safe driving record and choosing to bundle your policies offer some of the largest discounts. A good driver may be able to get anywhere from 10-30% off. Someone who chooses to have more than one policy with the same company, called a multi-policy discount, may be able to get up to 25% off if they bundle car and home insurance.
Another discount that can be worth quite a bit is an affiliation or membership discount, for example with a union through work or a fraternity through work or school. Current and former members of the military, as well as first responders, usually qualify for a substantial cut.
If you are a parent with a teen driver looking for a break, you may qualify for a good student discount if your child is a full-time student with a high enough GPA.
Always check with your insurer to find out which ones are available for you. Here are a few others:
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Loyalty (returning customer)
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Get an Online Quote for Car Insurance in Urbana, OH Today!
Although Urbana roads are safer than most, you still need car insurance to protect yourself, your family and your finances. At Freeway, we do the shopping for you. We’ll research your options and give you several great choices for affordable policies with top-rated carriers to choose from.
You can get a free quick online quote, stop by a conveniently-located office, or call us at (800) 777-5620.