Preface
Chapter 1:
Automobile Insurance
- Auto Insurance: An Overview
- Factors That Affect Auto Insurance: From A Company Standpoint
- Factors That Affect Auto Insurance: From A Consumer Standpoint
- Factors That Affect Auto Insurance: Age And Its Impact
- Factors That Affect Auto Insurance: Hospital And Medical Costs
- Auto Insurance Markets
  1999 Passenger Vehicles Insured Through Voluntary And Involuntary Plans By State
2000 Auto Insurance Premiums In Selected Ohio Cities
- 1999 US Auto Insurance Premiums By State
- Where The Auto Insurance Premium Dollar Goes In Ohio And US
- 1997 vs. 2001: Auto Repair Costs In Selected Ohio Cities
- Auto Repair And Competitive Auto Replacement Parts
- 1996–2000 Average New Car Expenditures
- 2000 Top Selling Vehicles in the US by Make and Model
- 2000 Top Selling Vehicles in the US by Type and Color
- 1999–2000 Ohio Licensed Drivers By County
- 1999–2000 Ohio Motor Vehicle Registrations By County
- Air Bag Update
- Settling An Auto Insurance Claim
- How To Save Money On Auto Insurance
Chapter 2:
Auto Crash Statistics
Chapter 3:
Drinking and Driving Statistics
Chapter 4:
Property Insurance
Chapter 5:
Insurance-Related Crimes
Chapter 6:
Selected Insurance Laws

Chapter 7:
General Reference

Glossary of Insurance Terms
OII Sound-Off Page

2000 Auto Insurance Premiums In Selected Ohio Cities

In 2000 the Ohio Department of Insurance (ODI) requested insurance companies to quote prices they would charge drivers for automobile insurance. Over 100 companies responded, and their rates were reflected in the survey. The table below shows a comparison of auto insurance premiums for selected metropolitan areas in Ohio. Figures shown should be reviewed as a guide. They do not reflect discounts offered by insurers, which could lower insurance costs. On the other hand, accidents and/or traffic violations could raise the rates quoted.

Rating information used in survey

Insurance Coverage Information: Bodily injury liability—$50,000 per person and $100,000 per occurrence; property damage liability—$50,000 per occurrence; $5,000 per person automobile medical payments; uninsured/underinsured motorist coverage—$50,000 per person and $100,000 per occurrence; $250 deductible other than collision coverage (comprehensive); and $250 deductible collision coverage.

Automobile Information: 1999 Ford Taurus (four door, six cylinder), driven to and from work (15 miles round trip), driven 15,000 miles annually.

Driver Information: Adult driver, 35 years of age, married male with no dependents of legal driving age; no accidents or driving violations within the past three years; and a new customer to an insurance company, previously insured by another company. Wife is an occasional driver of the car.

Pricing Information: Prices were quoted prior to qualifying for any insurance company discounts. Rates shown reflect annual automobile insurance premiums from standard market insurers (nonstandard company rates are not reflected in the figures).

ODI’s survey includes additional driver history scenarios, including nonstandard insurers. Contact ODI at 1-800-686-1526, or visit the consumer publications area of ODI’s Web site at www.ohioinsurance.gov. The premium a company charges for your insurance will probably be different based on your situation.


Note: Figures shown should be reviewed as a guide only
Source: Ohio Shopper’s Guide to Automobile Insurance, December 2000, Ohio Department of Insurance

Of the top five most expensive cities to rent a car, Ohio has two. The five most expensive, based on daily car rental rates are:
• Cleveland: $86.50
• New York: $85.50
• Newark: $85.00
• Youngstown: $84.50
• Houston: $81.50
(Runzheimer International, from USA Today, 3/21/01)


© Copyright 2002 Ohio Insurance Institute
172 E. State Street, Suite 201
Columbus, Ohio 43215-4321