Cheap Auto Insurance Quotes in Dublin, OH, for 2023

Car Insurance in Dublin, OH

If you’re a driver in Dublin, you’ll likely pay less than the average Ohioan and the average American. But that doesn’t mean you can’t have even lower rates. Finding those rates starts with comparing car insurance quotes from as many providers in your area as possible. Read on to learn the easiest ways to find and compare car insurance.

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Cheapest Car Insurance in Dublin, OH

We reviewed thousands of free quotes generated by Dublin drivers on Insurify so we could understand exactly which auto insurance companies were offering the best rates. Keep in mind that the cheapest price may not be the best value. A policy that costs just a few dollars more a month could offer additional features, such as roadside assistance or a no-claim bonus.

Minimum Car Insurance Requirements in Ohio

All motor vehicles operated or parked on Ohio roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• Inspecting a vehicle

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Ohio^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Ohio is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Dublin Car Insurance Rates by Driving and Accident History

Your driving record has a big impact on the price you pay for your car insurance policy^[2]. If you have a major incident in your driving history, such as an at-fault car accident, you will pay much more than drivers with clean records—on average, $720 more annually. But even minor incidents, such as a speeding ticket, cost the average driver $540 a year in Dublin.

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Dublin Car Insurance Rates by Credit Tier

Car insurance companies take your credit score into account when calculating your risk factors—and therefore your cost—for car insurance^[3]. People with excellent credit pay less for the same amount of coverage. In Dublin, they save an average of $624 a year compared to drivers with poor credit scores. One more reason to practice good credit habits.

How to Get the Cheapest Car Insurance in Dublin

The first step to getting cheap car insurance is to know how much coverage you need. Most people need more than state minimum coverage, and additional coverage is often affordable. Use discounts to lower your rate, and if you can bundle your insurance products, like auto insurance with renters or home insurance, you can lower your costs on all your policies.

Finally, compare rates from at least five companies before buying a policy. With Insurify, you can compare car insurance quotes from top insurers without sharing your information everywhere. Our tools make it easy to see which companies offer the lowest rates for the best coverage. You’ll also see which can offer you the most discounts. It’s easy, fast, and always free to use.

Frequently Asked Questions