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Cheap Car Insurance in Columbus, Ohio

Want to know more about Columbus and how you can get cheap car insurance? Well, Columbus is the largest city in Ohio. The capital city of Ohio was founded in 1812 as a socioeconomic center. Located in the center of the state of Ohio, Columbus is now known as an academic center of the Midwest due to its high numbers of universities, libraries and museums.

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Columbus, OH. Get your auto insurance quote today!

Driving Conditions in Columbus

Drivers in Columbus are forced to face the longest commute times and most congested traffic in the state. A study conducted by the Texas A&M Transportation Institute found that commuters in Columbus spend an average of 40 hours per year stuck in traffic.

Unique Laws in Columbus

Ohio state law dictates that people who are operating a motor vehicle must obey a request to slow down if such a request is relayed by a person on horseback. The ability to enforce this law is questionable, and it is unlikely that a horseback rider will make such a request of a driver.

Columbus Crime Statistics

For 2015, here’s the breakdown for three crime categories in Columbus, according to the FBI:

  • Burglary — 7,219 incidents
  • Larceny — 23,021 incidents
  • Vehicle theft — 3,113 incidents

Columbus Vehicle and Driving Safety Requirements

Seat belt law

By law, every driver and front-seat passenger in Ohio must wear a seat belt. Every child under 8 must be secured in a booster seat or other approved child safety seat (unless the child is at least 4 feet, 9 inches tall), while any child 8 to 15 must wear a seat belt if he or she is not sitting in a child safety seat.

Distracted driving law

It’s against the law to text while driving in Ohio, but you can talk on a cellphone while driving (unless you’re under 18). 

An adult driver who’s guilty of texting while driving can be fined up to $150. If you’re a driver under 18, the maximum penalty is a $150 fine and a six-month license suspension for the first offense; for a second offense, the penalty doubles.

Helmet Law

By law, a motorcycle operator 18 and older in Ohio who’s had a valid motorcycle license for at least a year does not have to wear a helmet. An operator under 18 must wear a helmet, though. All motorcycle passengers must follow the rules that apply to the operator. Anyone caught without a helmet faces a fine of up to $75.

Ohio has no law requiring bicycle operators or passengers to wear helmets.

Impaired Driving Law

What’s called DWI or DUI in other states is called OVI (operating under the influence) in Ohio.

In the case of a “low test” — meaning lower-level results on a chemical test to determine OVI — a first-time offender in Ohio faces at least three days in jail, a one-year license suspension and a $375 fine. Under the “high test” scenario (with higher-level test results) a first-time offender faces at least six days in jail, a one-year license suspension, a $375 fine and mandatory yellow OVI license plates.

 

Maximum penalties for a first-time “low test” offender are six months in jail, a three-year license suspension and a $1,075 fine, while maximum penalties for a first-time “high test” offender are six months in jail, a three-year license suspension, a $1,075 fine and mandatory yellow OVI license plates.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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