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Looking for cheap car insurance in Ohio? Start your search at USAA, Erie and Auto-Owners Insurance.
For example, a typical Ohio driver pays an average of $549 a year for full-coverage car insurance if they get it from USAA, according to QuoteWizard research. And the same driver pays just $251 a year for state-minimum coverage from that insurer.
That’s quite a bit cheaper than what most drivers in the Buckeye State spend on car insurance each year. Our data shows the average Ohio driver pays $422 annually for the minimum amount of auto insurance the state requires and $838 annually for full coverage, which usually includes liability, collision and comprehensive protection.
What you pay for car insurance in Ohio varies by company and depends on factors like your age, how long you’ve been driving and your driving record. You’ll learn more about this topic as well as the following in this article:
Based on rate data we gathered for an average driver, USAA offers the cheapest auto insurance coverage in Ohio.
Several other insurers offer cheap coverage as well, though, so compare car insurance quotes from the companies listed below to get your best rate on a policy.
|Company||Average yearly premium for state-minimum coverage||Average yearly premium for full coverage|
|Note: Average rates are based on non-binding estimates provided by Quadrant Information Services.1 Your rates may vary.|
Our research found that USAA offers Ohio drivers the best car insurance rates for both state-minimum and full-coverage car insurance at $21 a month and $46 a month, respectively.
It’s still possible to get cheap auto insurance in Ohio from other companies, though. American Select, Auto-Owners Insurance and Erie all offer the state minimum amount of liability car insurance at a price that’s only a few dollars more per year than what USAA charges.
Auto-Owners, Erie and GEICO offer comparably cheap full-coverage car insurance, too. With an average monthly premium of $48, a full-coverage policy from Auto-Owners is only $2 more per month than a similar policy from USAA. And GEICO’s $51 per month is only $5 more than USAA’s price.
Auto-Owners, Erie, GEICO and USAA stood out as the best car insurance companies in Ohio in our study. Here's why.
The main reason USAA is the best car insurance company for Ohio drivers is it offers the cheapest rates for both state-minimum and full-coverage car insurance, according to our data.
The quote we got from USAA for state-minimum liability coverage was $251 per year, or $21 a month. That’s a bargain compared to the state average for this type of auto insurance, which is $422 per year, or $35 per month. A full-coverage policy from USAA can be similarly cheap, with the base driver in our study getting a quote of $549 per year, or $46 per month, for this kind of coverage. The state average in this case is $838 per year, or $70 per month.
There’s more to its inclusion here than cheap rates, however. A few other reasons USAA is a great option for Ohioans shopping for car insurance are:
Also, USAA offers significant discounts in certain situations. For example, the insurer will reduce your comprehensive car insurance premium by up to 15% if you live and store your vehicle on a military base within the U.S. And it will lower your premium by as much as 60% if you garage your auto while deployed overseas.
Unfortunately, you need to be a member of the military, a veteran or a family member of either to qualify for those discounts — or to get car insurance coverage from USAA at all.
If you’re eligible, though, USAA is one of the best car insurance companies for military and veterans in Ohio.
If you’re not part of the military and can’t get car insurance coverage from USAA, Auto-Owners Insurance could be your next-best option as an Ohio driver.
Of all the companies we surveyed, Auto-Owners’ annual premiums for state-minimum car insurance were the third-cheapest at $260 a year, or $22 a month. And its annual premiums for full-coverage auto insurance were the second-cheapest at $570 a year, or $48 a month.
Beyond that, we think Auto-Owners Insurance is one of the best car insurance companies serving Ohio because:
GEICO is a great option for drivers in Ohio if you can’t get coverage from USAA and you don’t want to get it from a small or regional insurance company.
Its average annual premium of $607 for full coverage is only a few dollars more per month than what competitor USAA offers. It offers cheap state-minimum car insurance coverage, too. In our research, GEICO's premium for state-minimum coverage was $367 per year, or $31 per month. That’s $10 more per month than USAA’s state-minimum coverage, but $4 cheaper per month than the state average for our study’s base driver.
What else makes GEICO the best large provider of car insurance to Ohio drivers in our eyes?
Combine its low rates and the awards above with the financial strength ratings it’s received from AM Best and Standard and Poor's (S&P) — A++ and AA+, respectively — and GEICO is a clear winner among nationwide car insurance providers that serve the state of Ohio.
Erie is no slouch when it comes to providing cheap auto insurance in Ohio. Our base driver pays $267 annually, or $22 monthly, for the minimum amount of liability coverage the state requires. And that same driver pays $631 annually, or $53 monthly, for full coverage.
Those figures alone should be enough to convince you to include it among your options while shopping for car insurance in Ohio.
Still on the fence? Consider the following as well:
We consider USAA, GEICO, Erie and Auto-Owners the best car insurance companies in Ohio, but do the state’s drivers agree?
It’s difficult to say. Something that’s easier to pinpoint is whether the insurers above are among the most popular in Ohio. In that regard, they all fare pretty well, according to data gathered from S&P Global.
|Company||Ohio market share|
|Source: S&P Global|
GEICO has the highest market share — 7% — of the four insurance companies we consider to be the best in Ohio. That’s enough for it to rank fourth among the state’s most popular insurers.
Erie and USAA are Ohio’s eighth and ninth most popular insurance companies, with Erie writing 4% of the state’s auto policies and USAA writing 3% of them.
Although it isn’t included in this table, Auto-Owners ranks 13th among Ohio’s most popular car insurance providers. It covers 2% of the local market.
In Ohio, it is illegal to drive a vehicle without insurance or other financial responsibility coverage.
Ohio drivers who decide to insure their vehicles must buy at least these amounts of liability car insurance:
Ohioans who don’t want to buy state-minimum car insurance can prove financial responsibility with:
Drivers must show proof of insurance or financial responsibility coverage at:
If you’re caught driving without insurance or financial responsibility coverage in Ohio, you could:
The severity of the penalties you face for driving without insurance in Ohio depends on whether it’s your first, second, third or later offense.
We evaluated more than 135,000 insurance quotes from the 25 most populated cities in Ohio and ranked cities by their rate of accidents, speeding tickets, DUI’s and citations. A major accident increases Ohio’s insurance rates by an average of 32%, or $612 a year on average. We also found a speeding ticket raises annual rates by an average of 22%, or $368 a year.
How much rates increase after an accident depends on where you live, however. For example, in Ohio’s worst driving city, Etna, drivers would pay an extra $584 after an accident. In Ohio’s best driving city, Middletown, drivers pay an average of $604 more after an accident.
Accidents can stay on your insurance record for three years in Ohio, meaning in that period, an accident can cost drivers an extra $1,836. A speeding ticket stays on your record for two years, and will cost drivers an extra $736. Here’s how the best and worst driving cities in the state break down:
|Rank||City||No incidents||One accident||One speeding ticket|
|Rank||City||No incidents||One accident||One speeding ticket|
|Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.|
1We conducted a comprehensive study of auto insurance rates in Ohio through Quadrant Information Services for this article. The collected quotes were for a single, 35-year-old male with an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible.
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