Cheapest Auto Insurance Quotes in Ohio (2024)
State Farm has the best cheap car insurance in Ohio, at $70 per month for full coverage.
Find Cheap Auto Insurance Quotes in Ohio
Best cheap car insurance companies in Ohio
How we chose the top companies
Best and cheapest car insurance in Ohio
- Cheapest full coverage: State Farm, $70/mo
- Cheapest minimum liability: State Farm, $26/mo
- Cheapest for young drivers: Erie, $72/mo
- Cheapest after a ticket: State Farm, $77/mo
- Cheapest after an accident: State Farm, $83/mo
- Cheapest for teens after a ticket: Erie, $84/mo
- Cheapest after a DUI: Erie, $127/mo
- Cheapest for poor credit: Geico, $156/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best mix of cheap rates and great customer service in Ohio. State Farm is also a good choice. While its customer service is good, it's not as outstanding as Erie.
Erie and State Farm both offer online quotes, so you can quickly compare rates and find the best policy for you.
Cheapest car insurance in Ohio: State Farm
State Farm is the best cheap auto insurance company in Ohio for full coverage, with an average rate of $70 per month. State Farm is 37% cheaper than the state average and $7 per month cheaper than the next-cheapest company, Erie.
Full coverage car insurance in Ohio costs $111 per month, or $1,329 per year, on average.
Find Cheap Auto Insurance Quotes in Ohio
USAA also offers cheap car insurance quotes to Ohio drivers, but only for people with connections to the military. At $73 per month, minimum coverage from USAA costs only a bit more than State Farm and also has top-flight customer service.
Cheapest Ohio car insurance companies for full coverage
Company | Monthly rate | |
|---|---|---|
| State Farm | $70 |
| Erie | $77 |
| Geico | $104 |
| Progressive | $124 |
| Nationwide | $136 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Ohio: State Farm
State Farm has the cheapest minimum liability car insurance in Ohio. The company offers minimum coverage for $26 per month, which is $18 per month cheaper than the state average.
The average cost of minimum liability car insurance in Ohio is $44 per month, or $532 per year.
Cheapest Ohio car insurance companies
Company | Monthly rate |
|---|---|
| State Farm | $26 |
| Erie | $27 |
| Geico | $43 |
| Grange | $48 |
| Progressive | $57 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Ohio
Cheapest car insurance quotes for young drivers in Ohio: Erie
Erie has the best cheap quotes for young drivers in Ohio, charging $72 per month for a minimum liability policy.
Minimum coverage from Erie is roughly half the average cost in the state, which is $141. The company also has the most affordable full coverage policy for Ohio teens, at $208 per month.
Most affordable Ohio car insurance companies for teens
ave
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $72 | $208 |
| State Farm | $89 | $219 |
| Geico | $128 | $288 |
| Grange | $174 | $383 |
| Progressive | $188 | $559 |
While Ohio is one of the most affordable states for auto insurance, young drivers still pay much more for car insurance than older adults. An Ohio 18-year-old can expect to pay about three times as much for car insurance as a 30-year-old.
The best way for teen drivers to save money on car insurance is by sharing a policy with their parents or an older relative. Good student and driver safety course discounts can also bring down young drivers' rates.
Full coverage is usually a good idea for teen drivers, if they can afford it. Teens get into accidents more often than adult drivers, so they're more likely to get the benefits from having their insurance company pay for repairs on their car.
In general, full coverage insurance is worth it if you could not afford to replace your car if it were stolen or destroyed, or if it's worth more than about $5,000.
Cheapest car insurance after a speeding ticket: State Farm
State Farm has the best car insurance quotes in Ohio for drivers with a speeding ticket on their record. The monthly rate of $77 for a full coverage policy is $61 per month cheaper than the state average.
Lowest-priced Ohio car insurance after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $77 |
| Erie | $84 |
| Geico | $131 |
| Progressive | $157 |
| Nationwide | $167 |
Speeding tickets raise the average cost of auto insurance in Ohio from $111 to $138 per month, a 25% increase.
Cheapest car insurance quotes after an accident: State Farm
State Farm also offers the cheapest auto insurance quotes for drivers in Ohio with an at-fault accident. At $83 per month for full coverage, State Farm is 48% cheaper than the state average and $14 cheaper than the next-best option, Erie.
Most affordable car insurance in Ohio after a crash
Company | Monthly rate |
|---|---|
| State Farm | $83 |
| Erie | $97 |
| Grange | $167 |
| Progressive | $175 |
| Geico | $195 |
Just one accident on your driving record can lead to much higher car insurance quotes. In Ohio, rates go up by 45% after a single accident, an increase of $49 per month, on average.
Cheapest car insurance for Ohio teen drivers after a ticket or accident: Erie
Erie has the most affordable rates for young Ohio drivers with a speeding ticket or accident on their record.
Minimum coverage from Erie costs $84 per month after a speeding ticket. That's around half the average price in Ohio.
After an accident, a minimum coverage policy from Erie costs $85 per month, $88 per month cheaper than the state average.
Cheapest quotes for Ohio 18-year-olds after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $84 | $85 |
| State Farm | $99 | $108 |
| Geico | $143 | $187 |
| Progressive | $196 | $209 |
| Nationwide | $237 | $243 |
An 18-year-old driver in Ohio can expect their rates to go up by 18% after a single speeding ticket. Rates for teens go up 22% after an accident.
Cheapest Ohio car insurance after a DUI: Erie
Erie has the cheapest car insurance rates for Ohio drivers with a DUI (driving under the influence) citation on their record. A full coverage policy from Erie costs $127 per month, which is 30% cheaper than average.
Cheapest car insurance after a DUI in Ohio
Company | Monthly rate |
|---|---|
| Erie | $127 |
| Progressive | $143 |
| State Farm | $157 |
| Grange | $218 |
| Allstate | $226 |
Insurance companies in Ohio increase rates by 65% after a DUI, on average. However, not all companies raise rates by the same amount. Erie increases car insurance rates by 64% after a DUI. On the other hand, drivers insured with Geico can expect rates to more than double.
That's why it's important for drivers in Ohio to shop for the best car insurance quotes after a DUI.
Cheapest car insurance in OH for drivers with poor credit: Geico
Geico has the most affordable car insurance for drivers with bad credit in Ohio. The average quote from Geico is $156 per month for a full coverage policy, which is 23% cheaper than the state average.
Best rates for car insurance in Ohio with bad credit
Company | Monthly rate |
|---|---|
| Geico | $156 |
| Grange | $173 |
| Erie | $176 |
| Progressive | $201 |
| Nationwide | $203 |
Drivers with poor credit have average insurance quotes of $201 per month for full coverage, which is $90 more expensive per month than the typical cost of insurance for drivers with a good credit score.
Your credit score doesn't affect your driving ability, but it impacts your car insurance rates in Ohio. Drivers with poor credit are more likely to make an insurance claim, so insurers charge them more.
Best car insurance companies in Ohio
USAA is the best car insurance company in Ohio because of its cheap rates and high customer service scores.
However, not every Ohio driver can buy car insurance from USAA. It only sells policies to military members, veterans and their families.
Drivers that don't qualify for USAA should consider Erie. It offers dependable customer service at an affordable price.
Top insurance companies in Ohio
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| Erie | 871 | A+ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
When comparing car insurance companies, choosing a company you can rely on is as important as finding the best rate.
A company with dependable customer service can help you get through the claims process quickly after an accident. On the other hand, poor customer service can make the process take much longer, and you could end up paying more out of pocket.
Average car insurance cost in Ohio by city
Fremont, a small town outside Toledo, is the cheapest city in the state for full coverage car insurance. St. Bernard, a Cincinnati suburb, is the most expensive.
Where you live can affect your car insurance rates as much as your driving habits, though rates in Ohio don't change much based on where you live. There's only a $39-per-month difference in the cost of full coverage car insurance between the most and least expensive cities.
Drivers in Fremont pay around $93 per month for full coverage, while those in St. Bernard can expect to pay $132 per month.
Average cost of car insurance in OH by city
City | Monthly rate | % from average |
|---|---|---|
| Aberdeen | $114 | 3% |
| Ada | $102 | -8% |
| Adamsville | $113 | 2% |
| Addyston | $118 | 7% |
| Adelphi | $111 | 0% |
Ohio auto insurance laws and regulations
Ohio requires drivers to have a minimum amount of car insurance to legally drive in the state. Liability coverage pays for the other driver's medical and car repair bills, and the minimum limits are sometimes written as 25/50/25.
Required car insurance in Ohio
- Bodily injury liability (BI): $25,000 per person and $50,000 per accident
- Property damage liability (PD): $25,000 per accident
What's the best car insurance coverage for Ohio drivers?
Cheap quotes make liability car insurance an appealing option. However, the low coverage limits could end up costing you more in the long run if you cause an accident.
Additionally, minimum coverage in Ohio only covers the other driver's injuries and property damage. It does not include protection for damage to your car or injuries to you or your passengers. We recommend most drivers get full coverage car insurance so that they have enough protection to cover the cost of a major accident.
Full coverage car insurance quotes include more bodily injury and property damage liability coverage than required, plus comprehensive and collision coverage. That means your insurance will pay for damage to your car from an accident, weather, theft or vandalism, regardless of whose fault it is.
Frequently asked questions
Which company has the cheapest car insurance in Ohio?
State Farm has the cheapest car insurance quotes in Ohio for a typical driver. A minimum liability policy from State Farm costs $26 per month, and full coverage costs $70 per month.
What's the average cost of car insurance in Ohio?
The average cost of car insurance in Ohio is $44 per month for minimum coverage and $111 per month for full coverage auto insurance.
Who has the best car insurance in Ohio?
USAA and Erie are the best car insurance companies in Ohio. They offer the best combination of cheap quotes, dependable customer service and useful coverage options.
How much is car insurance in Columbus, Ohio?
The average cost of a full coverage policy in Columbus is $127 per month — 15% higher than the state average. Drivers in Cleveland and Toledo pay around the same rates, at $129 per month and $127 per month, respectively.
Is auto insurance cheaper in Ohio than in other states?
Auto insurance in Ohio is cheaper than in most other states. Ohio is the sixth-cheapest state in the country for full coverage insurance, and the 11th-cheapest for minimum coverage.
What are the Ohio minimum insurance requirements?
Ohio requires drivers to carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage, along with $25,000 in property damage liability coverage.
Methodology
ValuePenguin collected thousands of quotes from every ZIP code in Ohio for the largest insurers in the state. Rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Except where noted, quotes are for a full coverage policy with comprehensive and collision coverage and liability limits that are higher than Ohio requirements.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.