Cheap Car Insurance in Zanesville, OH

Renamed after the 18th-century speculator and road builder whose trails linked Ohio to neighboring states, Zanesville is just 52 miles east of Columbus, the Buckeye State’s modern-day capital — a role that this small city of roughly 24,800 residents once held.

Formerly called Westbourne, the city was renamed Zanesville in 1801 after Ebenezer Zane — who had carved a pioneer trail called Zane’s Trace, linking Ohio to West Virginia and Kentucky — remitted the land to his son. Because Zane’s Trace blazed through this area, located off the banks of the Licking and Muskingum rivers, the Zanes platted it and renamed it Zanesville. Since then, Zanesville — dubbed the “City of Natural Advantages” that serves as the seat of Muskingum County — has made other marks in history, serving as an Underground Railroad stop during the Civil War and earning a notorious reputation during the Prohibition era of the 1920s for bootlegging.

Under Ohio state law, all Zanesville drivers need to have some form of auto coverage. If you’re caught driving without insurance, you could face fines and fees and even have your license suspended. Keep reading to learn more about car insurance in Ohio, including the average monthly rates based on age and zip code.

On average, Zanesville drivers pay a premium of around $23 per month for minimum liability auto insurance, which is required by the state. That’s $5 more than the state average of $28 and $29 less than the national average of $52.

Zanesville drivers with full auto coverage typically pay monthly premiums of around $89 — $17 less than the state average of $106 and $79 less than the national average of $168.

Reasons Why Protection Is So Cheap in Ohio

Ohio state law’s minimum liability requirements may be why auto insurance in the Buckeye State is so cheap. While some states mandate more coverage for bodily injury and property damage, Ohio only requires drivers to have $25,000 to $50,000 in coverage in case one or more people are hurt or die during a crash and $25,000 to take care of any property damage caused.

These basic requirements make Ohio rank among the top 15 cheapest states for full and minimum liability coverage.

How Many Fatal Accidents Happen in Zanesville?

According to the National Highway Traffic Safety Administration, Zanesville has one to two fatal accidents every year. While a larger number of fatal crashes were reported in 2012 and 2018 — three and four accidents, respectively — it’s rare for this city to experience more than two per year.

How Are the Road Infrastructure and Bridges in Zanesville?

Zanesville is home to the historic Y-Bridge, which forks in two directions, spanning the confluence of the Licking and Muskingum rivers. The Ohio Department of Transportation oversees the infrastructure of this bridge, with Zanesville and Muskingum County overseeing the maintenance and upkeep of city streets and roads.

If you crash into another driver’s car or SUV, knock down a neighbor’s fence while backing out of your driveway, or cause a significant chip in a city-or county-owned cement planter while trying to parallel park, your auto policy will cover the repair costs, depending on the amount of damage caused.

In Ohio, your auto policy must include at least $25,000 in coverage for property damage resulting from a crash you cause. If the damage your crash caused exceeds the coverage limit noted on your policy, you will have to pay the remaining amount out of pocket.

If you live and drive in Zanesville, auto insurance discounts are a great way to save money. That’s especially true if you’re eligible for several discounts.

While many driving discounts are available, some are more popular among Zanesville drivers than others. They include:

Another way you can save money is by bundling your policies by buying more than one type of coverage from the same insurance company. Bundling your auto coverage and home insurance is one great way to do this.