Compare Cheapest Car Insurance Rates in Ohio (2021)

On average, your neighbors pay $45 a month.

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Best Cheapest Car Insurance Rates in Ohio (2021)

State Farm offers the cheapest auto insurance in Ohio, at a monthly cost of $35 for a minimum-coverage policy or $75 for a full-coverage plan. However, 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, so it's important to compare quotes from multiple insurers. 

Most affordable car insurance in Ohio
Cheapest for minimum coverage Erie
Cheapest for full coverage State Farm
Cheapest for young drivers Erie
Cheapest for bad drivers State Farm

Here's what you need to know about driving in Ohio:

Which companies offer the best cheap car insurance in Ohio?

Cheapest minimum-coverage car insurance in Ohio

Erie offers the cheapest minimum liability auto insurance coverage in Ohio, at an average monthly rate of $30. Drivers should also compare rates from State Farm and American Family, which have comparably affordable rates.

While USAA offers the best rates overall, at an average of $28 a month, only military members and their families qualify for coverage.

Cheapest Ohio car insurance companies for minimum coverage
Company Average monthly rate
Erie $30
State Farm $35
American Family $38
Nationwide $40
Ohio average $45
GEICO $47
Grange Mutual $58
Progressive $63
Allstate $70
USAA $28
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Before getting quotes from any insurance company, you should evaluate which types of coverage you need

A minimum-coverage policy is the cheapest option, but it is primarily meant to financially protect other drivers and their vehicles. If your car is damaged as a result of an at-fault accident and you only have a minimum liability policy, you will have to pay out of pocket to fix your car.

Cheapest full-coverage auto insurance in Ohio

State Farm offers Ohio drivers the best car insurance rates for full coverage, at $75 a month. There are also plenty of worthwhile alternatives in Ohio. Erie and Nationwide both offer full-coverage policies that are only a few dollars more per month than what State Farm charges.

Qualified military members, however, are strongly encouraged to get a quote from USAA, which has the cheapest full-coverage policy out of nine major insurers in the state.

Cheapest Ohio car insurance companies for full-coverage
Company Average monthly rate
State Farm $75
Erie $78
Nationwide $82
GEICO $100
Ohio average $108
American Family $110
Grange Mutual $133
Progressive $135
Allstate $187
USAA $68
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The main distinction between a minimum- and full-coverage policy is that full coverage includes comprehensive and collision coverages. 

  • Comprehensive coverage reimburses you for damage your car sustains from events out of your control, including natural disasters, theft and falling objects. 
  • Collision coverage protects you if your car is damaged from hitting another vehicle or a stationary object, like a pole.

Cheapest full-coverage car insurance for young drivers

Younger drivers typically pay substantially higher car insurance rates than their older, more experienced counterparts. Studies show that teens and new drivers are most likely to be involved in accidents, making them a high risk to insure.

Young people can find the cheapest car insurance rates from Erie, State Farm and American Family. If you or an immediate family member have a military background, you can find highly affordable rates from USAA.

 
 
 

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See how much you could save by comparing car insurance companies

Here's how you can save on car insurance rates as a young driver:

  • Discounts. Most car insurers have a discount menu full of different ways you can save on your policy. This includes savings specifically targeted at young people, including discounts for achieving good grades, accumulating a certain number of volunteer hours or completing a safe driving course.
  • Bundle a policy with your parents. Our analysis shows that signing onto a policy with your parents can save you $99 per month on average compared to getting your own individual plans.
  • Compare rates from multiple companies. The difference between the cheapest and most expensive full-coverage policies for a 16-year-old is over $500. The best way to ensure you receive the best deal is by looking around and being a smart shopper.

Cheapest car insurance companies in Ohio for bad drivers

Best car insurance companies in Ohio for drivers with an accident history

Having an accident on your record indicates to insurers that you are a high-risk driver, likely resulting in your insurance prices going up. However, some companies forget your accident after three to five years, or they offer accident forgiveness as an optional add-on.

Cheapest car insurance after an accident
Company Monthly rate before accident Monthly rate after accident Difference
State Farm $75 $89 $14
Erie $78 $105 $27
Nationwide $82 $122 $40
American Family $110 $155 $45
Grange Mutual $133 $182 $49
GEICO $100 $190 $90
Progressive $135 $202 $67
Allstate $187 $310 $123
USAA $68 $99 $31
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best car insurance companies in Ohio for drivers with a DUI

Committing a serious offense like DUI will undoubtedly increase your insurance premium. In Ohio, you may even be required to obtain an SR-22 certificate to verify to the Bureau of Motor Vehicles that you have met the minimum insurance requirements to legally drive in the Buckeye State.

Cheapest car insurance after a DUI
Company Monthly rate before DUI Monthly rate after DUI Difference
State Farm $75 $82 $7
Erie $78 $125 $47
Progressive $135 $152 $17
Nationwide $82 $156 $74
Grange Mutual $133 $174 $41
GEICO $100 $223 $123
American Family $110 $260 $150
Allstate $187 $261 $74
USAA $68 $103 $35
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best car insurance companies in Ohio for drivers with a speeding ticket

A speeding ticket will likely cause your insurance rates to increase, but most speeding tickets fall off your record after three to five years, depending on your state. 

Cheapest car insurance after a speeding ticket
Company Monthly rate before accident Monthly rate after accident Difference
State Farm $75 $82 $7
Erie $78 $85 $7
Nationwide $82 $102 $20
GEICO $100 $126 $26
American Family $110 $131 $21
Grange Mutual $133 $137 $4
Progressive $135 $168 $33
Allstate $187 $235 $48
USAA $68 $86 $18
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Average cost of car insurance in Ohio by ZIP code

The cost of car insurance not only varies by state, but also by city and ZIP code. Densely populated areas tend to have more accidents, leading to higher insurance rates compared to smaller cities.

Average monthly cost of car insurance in Ohio by ZIP code
ZIP code City Minimum coverage
43015 Delaware $45
43026 Hillard $50
43055 Newark $41
43068 Reynoldsburg $51
43081 Westerville $50
43123 Grove City $49
43130 Lancaster $43
43228 Columbus $52
43230 Columbus $51
43302 Marion $41
43701 Zanesville $40
44035 Elyria $48
44060 Mentor $46
44077 Painesville $45
44256 Medina $45
45011 Hamilton $51
45040 Mason $48
45140 Loveland $47
45601 Chillicothe $40
45804 Lima $43
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best car insurance companies in Ohio

When shopping around for auto insurance, it's important to not only consider price, but also the quality of service. The last thing you want is to find yourself in an accident and end up in a lengthy and stressful claims process.

Based on J.D. Power's annual U.S. Auto Insurance Satisfaction Study and the National Association of Insurance Commissioners (NAIC) Complaint Index, Erie and State Farm not only have some of the most affordable rates, they also have some of the best customer satisfaction.

Company J.D. Power 2021 U.S. Auto Insurance Satisfaction Study NAIC Complaint Index (2020)
Progressive 842 0.47
Nationwide 831 0.53
Allstate 827 0.63
American Family 844 0.63
GEICO 837 0.67
State Farm 851 0.70
Erie 857 0.76
Grange Mutual 826 0.82
USAA 895 0.98
J.D. Power assesses overall customer satisfaction on a 1,000-point scale with the industry average for the North Central being 839. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0.

Minimum car insurance coverage requirements in Ohio

Every state has requirements for drivers to be able to legally operate their cars on the roads. In Ohio, drivers must have insurance that meets the following minimums:

Coverage Limits
Bodily injury (BI) $25,000 per person/$50,000 per accident
Property damage (PD) $25,000 per accident

While this is the least amount of coverage you need to drive in the state, it may not fulfill your individual financial needs. 

These coverage limits will not reimburse you for damages sustained by your vehicle in an at-fault accident. To avoid paying high repair rates, we recommend that drivers with new or expensive cars purchase higher limits or additional coverages.

Driving conditions in Ohio

Our recent infrastructure study shows that Ohio ranks 22 out of 50 states for the worst road infrastructure, putting it in the middle when it comes to road safety. Approximately 16% of roads in Ohio are considered unacceptable, and 3.6% have a poor bridge deck.

The average cost of poor infrastructure to drivers in Ohio is $544 per year, which is slightly less than the national average of $556.

Penalties for driving without insurance in Ohio

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.

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

Our study was conducted using quote data through Quadrant Information Services from nine major Ohio car insurance companies. The default driver in our rate analysis is a 30-year-old male with a 2012 Honda Accord LX. His vehicle has annual mileage of 13,500 miles. 

During instances where we discussed a minimum-coverage policy, the driver met the basic car insurance requirements in Ohio. Our full-coverage analysis used the following limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision and comprehensive deductible

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