Best Auto Insurance Rates in Ohio

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Get Cheap Car Insurance in Ohio (2020)

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:

Where to get cheap car insurance in Ohio

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.

Cheapest car insurance companies in Ohio
Company Average yearly premium for state-minimum coverage Average yearly premium for full coverage
USAA $251 $549
American Select $259 $706
Auto-Owners Insurance $260 $570
Erie $267 $631
State Farm $359 $715
GEICO $367 $607
Allstate $399 $1,232
Nationwide $532 $808
Farmers $579 $998
Progressive $607 $1,229
Ohio average $422 $838
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.

Best car insurance companies in Ohio

Auto-Owners, Erie, GEICO and USAA stood out as the best car insurance companies in Ohio in our study. Here's why.

USAA: Best overall and best for military members

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:

  • It received a score of 900 in the 2019 J.D. Power U.S. Auto Claims Satisfaction Study. That would have been enough for USAA to top this particular list, but it was ineligible because it limits its customer base to military personnel and their families.
  • Reputation Institute named it the insurance company with the best reputation in the U.S. in late 2018.

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.

Auto-Owners Insurance: Runner-up for cheapest rates

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:

  • It offers all the typical coverage types like liability, collision and comprehensive, plus less common ones like additional expense, diminished value and gap insurance.
  • It also offers several discounts that can help you save money on car insurance, including multi-policy and multi-car discounts.
  • It works with over 47,000 licensed agents and provides coverage to nearly 3 million policyholders.

GEICO: Best nationwide provider

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?

  • It tied for third in the 2019 J.D. Power U.S. Auto Claims Satisfaction Study with a score of 879, above the industry average of 868.
  • Kanbay Research Institute named it the most desired insurer among consumers based on the company’s high regard for customer service and focus on staff training and development.
  • GEICO is the fourth-largest insurer in Ohio, writing 7% of the state’s auto insurance policies.

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: Best regional provider

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:

  • Erie topped the 2019 J.D. Power U.S. Insurance Shopping Study. That means it earned the highest score among auto insurers in providing a satisfying purchase experience that year.
  • It offers numerous discounts, including ones aimed at young drivers and safe drivers.
  • Its policies cover pets, roadside assistance, locksmith services and more.

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
State Farm 20%
Progressive 13%
Allstate 12%
GEICO 7%
Nationwide 7%
Grange 5%
Liberty Mutual 5%
Erie 4%
USAA 3%
Westfield 3%
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.

Ohio car insurance requirements

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:

  • $25,000 of bodily injury coverage for the injury or death of one person
  • $50,000 of bodily injury coverage for the injury or death of two or more people
  • $25,000 of property damage coverage

Ohioans who don’t want to buy state-minimum car insurance can prove financial responsibility with:

  • A surety bond of $30,000 issued by an authorized surety or insurance company
  • An Ohio Bureau of Motor Vehicles (BMV) bond secured by real estate with equity of at least $60,000
  • A BMV certificate for money or government bonds in the amount of $30,000 on deposit with the Ohio Treasurer of State

Drivers must show proof of insurance or financial responsibility coverage at:

  • Traffic stops
  • Accident scenes
  • Vehicle inspections
  • Traffic court appearances

If you’re caught driving without insurance or financial responsibility coverage in Ohio, you could:

  • Lose your driver’s license for up to two years
  • Need to pay reinstatement fees of $100 to $600
  • Have to carry SR-22 insurance for three to five years

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.

Methodology

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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