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Ohio’s Minimum Car Insurance Requirements; Cheapest Carriers by Quote & a Comparison for Your Best Price

Ohio’s minimum coverage for car insurance is 25,000 / 50,000 / 25,000 for bodily injury liability and property damage liability.

Ohio is one of the most populated states in the United States with over 11 million residents.

Lucky for drivers, the state of Ohio has some of the lowest premiums in the country.

Below I will show you which carriers are the cheapest so you can get even a lower rate.

First, I am going to cover the minimum coverage needed in Ohio.

If you want to get right to the point then use the table of contents (TOC) down a little and to the right. 

Minimum Insurance Requirements in Ohio

CoverageOhio Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000$50,000
Uninsured Motorist Property DamageOptional$25,000
Uninsured MotoristOptional$25,000 / $50,000
Comprehensive CoverageN/A$500 deductible
Collision CoverageN/A$500 deductible

Bodily Injury Liability

If the minimum coverage is purchased the insurer will cover up to a maximum of $25,000 per person injured or up to a maximum of $50,000 for all passengers injured in the event of an accident.

Lowest price insurers for 25 year old in OH.

Property Damage Liability

If the minimum coverage is purchased the insurer will pay up to a maximum of $25,000 to cover any damage to the automobile, personal property, and public property, such as places of business, traffic signs, and guard rails.

Uninsured Motorist Protection

Since many cities in OH, such as Canton and Dublin, have a significant amount of uninsured motorists it is recommended to get Uninsured Motorist Protection (UM).

Which will cover damages in the event you are involved in an auto accident with an driver who has little or no insurance.

Cheapest quotes by premium for 30 y/o in Ohio.

Comprehensive & Collision Coverage

It is highly recommended to get comprehensive and collision cover for vehicles that cost more than $3,000 or newer model automobiles.

Before you decide on a policy it is vital for you to understand the minimum requirements for the state of Ohio.

Be sure you compare more than three quotes since each insurer has their own method to weigh the importance of driving history, credit scores, or your age.

Other optional insurance in OH is medical payment cover.

Most affordable insurers by price for 35 year old.

Who has the Cheapest Auto Insurance in Ohio?

Below is a table of the 21 cheapest insurers in the state from 25 to 55 years of age.

When I did my queries for quotes the overall cheapest in Ohio is Erie. All of the quotes are 14 to 21% below the average premium.

The 2nd least expensive overall is The Cincinnati. Quotes averaged 12 to 20% below the average policyholder.

And 3rd was Westfield which has quotes 10 to 20% below the average policyholder.

If you are in the market to lower your annual premium the three cheapest providers in the state of Ohio are Erie, The Cincinnati, and Westfield.

You can expand the list to see more insurers and their quotes.

Company25 Y/O30 Y/O35 Y/O45 Y/O55 Y/O
The Cincinnati$1,690$1,290$932$633$487
Western Reserve$1,832$1,348$1,021$655$512
Atlantic States$1,900$1,349$1,045$690$515
Liberty Mutual$1,943$1,356$1,055$703$502
Motorists Mutual$1,945$1,398$1,065$733$534
General Casualty$1,976$1,404$1,076$740$544
Hastings Mutual$1,989$1,414$1,102$745$555
American Family$2,003$1,430$1,121$765$576
The Hartford$2,023$1,467$1,176$821$621
State Farm$2,090$1,494$1,200$859$643
Grange Mutual$2,109$1,536$1,255$921$680
Merchants Group$2,154$1,539$1,258$933$690
Central Mutual$2,245$1,547$1,211$934$700

Lowest price carriers for 45 year old in Ohio.

Top 20 Cities with the Lowest Average Premium

If you reside in any of the cities in the table below you should be able to get a premium well below the state average.

The cheapest cities in Ohio to buy are premium are Elyria, Lorain, and Mentor.

Elyria averages $862 for an annual premium with full coverage for a 26 to 30 year old driver.

Lorain averages $895 for full coverage while Mentor averages $905.

RankCityAnnual RatePopulation
6Cuyahoga Falls$98949,206
18Cleveland Heights$1,19844,633

If you prefer not to buy a policy the state offers the following alternatives

  • Have a $30,000 deposit with the office of the Treasurer in the state. This can be either cash or government bonds.

  • If you have real estate equity of $60,000 you can get a bond in the amount of $30,000 signed by two individuals.

  • A certificate of self-insurance issued by the Bureau of Motor Vehicles (BMV).

  • A $30,000 bond issued by a surety or insurance firm.

Cheapest premium by quote for 55 year old.

Best Insurers by Written Premiums, Rate Change, and Consumer Rating

Below are the best carriers by consumer rating, rate change, and the number of complaints.

The rate change over 12 to 18 months is normal for all the insurers illustrated.

The number of complaints is higher for those with a higher amount of written premiums. This is normal.

The consumer rating is from JP Power & Associates and other averages from online web portals to come up with an average for each.

CompanyWritten PremiumRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
The Cincinnati$132,457,590+1.7%124.2
Central Mutual$27,430,517+2.7%94.0
State Farm$1,041,549,479+2.3%654.4
State Auto$64,654,140+2.3%64.2
Motorists Mutual$83,652,756+2.6%83.9
American Family$123,200,599+2.1%124.3
Western Reserve$40,102,403+1.9%34.1
Ohio Mutual$37,139,756+2.2%53.8
Grange Mutual$233,058,900+2.3%73.8
The Hartford$26,318,736+2.2%44.3
Liberty Mutual$95,000,409+2.0%24.6
United Ohio$27,985,432+2.4%53.8
The General25,499,972+2.0%23.7
Safe Auto56,966,026+2.5%64.3

Average Coverage in Ohio

Since there are minimums for each state it is good to know what the average driver in the state of Ohio has covered per vehicle per policy:

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 50,000

  • Uninsured Motorist Protection – 25,000/50,000

  • Comprehensive Coverage – $500 deductible

  • Collision Coverage – $500 deductible

  • Medical Payments – $5,000

Local Car Insurance Agents in Ohio & Average Rate

Below is a table list of the average premium by city and quote.

When you are comparing quotes one of the factors is location.

You will see a variance in quotes when comparing if you move or are thinking of moving to another city in the state of Ohio.

City Average RateCity Average Rate
Concord$1,009North Olmstead$916
Gahanna$986West Chester$904
Huber Heights$905Worthington$915


Columbus Company30 Y/O45 Y/O55 Y/O
The Cincinnati$1,055$612$490
Western Reserve$1,243$722$581

Columbus is state capital and largest city in the state with nearly one million residents.

It is a fast-growing, major American city with a strong economy that is not dependent on any one industry. Its leading employers include government agencies and manufacturers of transportation equipment, textiles, metals and consumer goods.

Named after Christopher Columbus it become incorporated as as city in 1816. Today, Columbus has big city life with wonderful outdoor activities.

The energetic nightlife has popular bars and dance clubs scattered downtown along High Street and in the Brewery District. The Seymour Woods State Nature Preserve has more than 100 acres of wildflowers, oaks, sycamores, elms and other trees with hiking trails.

Other notable attractions include, BalletMet and Opera, Symphony Orchestra, Wexner Center for the Arts, Ohio Craft Museum, and the Martin Luther King Arts Complex.

Quote Comparison

Columbus cheapest auto premiums for 30 and 55 y/o driver.

If you are looking for cheaper auto insurance in Columbus then your best options are with Erie, The Cincinnati, and Frankenmuth.

Each queried at $1,008, $1,055, $1,121 for a 30 year old driver with full coverage. And each are from 18 to 23% lower than the “mean” quote within the city. Grange and Western Reserve are 16% lower making them a good option too.

A 45 year old can find low quotes with Erie, The Cincinnati, and Frankenmuth. Each quoted at $601, $612, $640 respectfully for full coverage. All are more than 22% lower than the citywide average premium.

A 55 year old can find quotes 24% lower than the average rate with Erie, The Cincinnati, and Frankenmuth. Each at $456, $490, and $512 respectfully for full coverage.

For older drivers the quotes are low in Ohio clustering between $456 and $581. Making Grange and Western Reserve competitive too.


Cleveland Company30 Y/O45 Y/O55 Y/O
The Cincinnati$1,132$714$525
State Farm$1,207$743$607

Cleveland was incorporated as a city in 1836 and today nearly 400,000 residents.

Once a manufacturing powerhouse during the 1st half of the century. Cleveland has been able to transform itself into diversified cultural business hub. 

Like many of America’s older industrial American cities, Cleveland withstood declining prosperity and loss of population in the second half of the 20th century. Recent re-investment in the downtown area has revitalized the city.

Today it is one of the most fun places in the country. Cleveland’s nightlife is centered in its downtown area. The Warehouse District is among the best places in the city to see live music. 

More than 275 miles of bike trails traverse the northeast Ohio area. The 14 Cleveland Metroparks Reservations and the Cuyahoga Valley National Park offer a combined 52,000 acres for a wide array of activities.

Other notable attractions include, Cleveland’s Severance Hall, Museum of Art and the Fine Arts Garden, the Rock & Roll Museum, Crawford Auto Aviation Museum, and the African American Museum.

Quote Comparison

Cleveland low-cost premium options for 30 to 55 yr old drivers.

Finding the cheapest premium in Cleveland is easy if you know where to look.

Start by getting quotes from Erie, Grange, and The Cincinnati. Each queried at $1,021, and $1,095, and $1,132 for a 30 year old driver with full coverage. Which is 18 to 22% lower than than the average quote. Erie being the lowest option.

For a 45 year old driver the least expensive quotes are with Erie, Grange, and The Cincinnati. All were queried at $644, $703, and $714 respectfully. Or 19 to 14% lower than the Cleveland “mean” premium rate.

For a 55 year old I found the quotes clustering between $490 and $607. Erie is the cheapest at $490 or 24% lower than the average premium in Cleveland.

In fact, any of the insurers illustrated are worth getting quotes from since all are at least 14% lower than any direct competitors.


Cincinnati Company30 Y/O45 Y/O55 Y/O
The Cincinnati$1,158$754$532
State Farm$1,265$807$589

Cincinnati started with approximately 450 residents in 1788 then incorporated as a city in 1819. It is named after the Roman General “Cincinnatus”.

Located on the Ohio River it saw dynamic growth through the 19th and 20th centuries reaching a peak population of 500,000 around 1955. Today there are approximately 300,000 residents.

It is home to major corporations that include Procter & Gamble, Kroger and Federated Department Stores, the parent company of Macy’s and Bloomingdale’s.

With a metro area that includes parts of Ohio, Indiana and Kentucky, Cincinnati has a unique personality that crosses midwestern industrial city with a southern country feel.

Known as the “First American city”, the downtown architecture has many art-deco buildings and the Symphony Orchestra is one of the oldest orchestras in the country.

Quote Comparison

Cincinnati least expensive policy options for 30 to 55 year old drivers.

If you want the cheapest rates then start by getting quotes from Grange, Frankenmuth, and Erie.

I queried each at $1,065, $1,098, and $1,133 respectfully for a 30 year old driver. The premium rates are slightly higher than the state average in Cincinnati.

However, the quotes illustrated are 14% lower than the citywide “mean” average quote.

For a 45 year old the least expensive quotes are with Grange, Frankenmuth, and Erie. Each queried at $659, $698, and $726 respectfully for full coverage. Which is 16 to 20% lower than the citywide premium for a similar driver profile within Cincinnati.

A 55 year old can find the cheapest car insurance quotes with Grange at $487. Or 21% lower than the average policyholder.

The 2nd least expensive is with Frankenmuth at $508 or 19% lower while Erie is $523 or 18% lower than a driver with a similar profile.


Toledo Company30 Y/O45 Y/O55 Y/O
The Cincinnati$1,056$659$522

Toledo, known as the “Glass City”, is the 4th largest city in Ohio with 280,000 residents and with nearly 700,000 in the metropolitan area.

Founded in 1833, Toledo had rapid growth until the 1970’s reaching a peak population of nearly 400,000 around 1972. 

The world-renowned Toledo Museum of Art is home to the nationally recognized Glass Pavilion, a beautiful structure housing a priceless collection of glass art.

The Toledo Zoo is nationally recognized as one of the most comprehensive in the nation and is home to the first hippoquarium. 

Outdoor recreation can be found in any of the more than 100 parks owned and operated by the city.

Fishing and boating are plentiful on both the Maumee River, which flows through Toledo, and on Lake Erie.

Quote Comparison

Toledo low-cost premium choices for 30 to 55 y/o drivers.

Drivers in Toledo can find the cheapest insurance quotes with Grange, The Cincinnati, and Frankenmuth.

I queried each at $965, $1,056, and $1,087 respectfully for a 30 year old driver. Which is 17 to 19% lower than the citywide “mean” quote in Toledo.

For a 45 year old driver the lowest quotes are with Grange, The Cincinnati, and Frankenmuth. Each queried at $637, $659, and $701 respectfully for full coverage.

The least expensive out of the three, Grange, is 20% lower than the average premium. While the other two carriers are 17% lower of the average.

A 55 year old can find inexpensive quotes with Grange, The Cincinnati, and Frankenmuth. Each were queried at $498, $522, and $529 respectfully for full coverage.

An older driver’s best option is with Grange at $498 which is 21% lower than the “mean” premium in Toledo.


Akron Company30 Y/O45 Y/O55 Y/O
The Cincinnati$981$654$498

Akron was established in 1825 with approximately 850 residents. Today, it has a population of nearly 200,000 with over 700,000 in the metropolitan area. 

Akron was known as “The Rubber Capital of the World.” B.F. Goodrich established the first rubber company in Akron in 1869. General Tire and Goodyear Tire and Rubber Company also established their companies in the city.

Today, all the companies but Goodyear have left the city. 

Major parks in Akron include Lock 3, Firestone, Goodyear Heights, the F.A. Seiberling Nature Realm (or Naturealm), and part of the Cuyahoga Valley National Park. 

Lock 3 Park in downtown Akron is the city’s hub for entertainment.

Other attractions include, Stan Hywet Hall and Gardens, Goodyear World of Rubber Museum, Soap Box Derby, Simon Perkins Mansion, and the National Inventors Hall of Fame.

Quote Comparison

Akron cheapest policy choices for 30 to 55 y/o drivers.

When I queried for quotes in Akron I found them clustering between $943 and $1,165 for a 30 year old driver.

The cheapest quotes are with Grange, Frankenmuth, and Erie. Grange’s quote at $943 is 22% lower than the “mean” premium in the city of Akron. While the others are 18 to 20% lower than the citywide average rate.

For a 45 year old driver the lowest quotes are with Grange. I queried them at $622 for full coverage. Which is 21% lower than the average policyholder’s premium today.

All of the carriers illustrated are at least 14% lower than the “mean” quote in Akron.

For a 55 year old driver the cheapest quotes are with Grange, The Cincinnati, and Erie. Each queried at $476, $498, and $511.

All three carriers are 19 to 21% lower than the average premium for a driver with a similar profile within the city.


Dayton Company30 Y/O45 Y/O55 Y/O
The Cincinnati$908$632$433

Dayton has approximately 140,000 residents and nearly 800,000 in the greater metropolitan area. 

Dayton, Ohio is known as the birthplace of aviation because it was once home to Wilbur and Orville Wright, the inventors of powered flight.

Dayton is also the home of research, industrial and aerospace businesses that have resulted in a number of technical innovations over the years. 

Since the 1980s, Dayton’s population has declined, mainly due to the loss of manufacturing jobs and decentralization of metropolitan areas, as well as the national housing crisis that began in 2008.

Expansion in the downtown area has help to re-vitalized the area with help from RiverScape MetroPark which attracts 500,000 people each year.

With Premier Health Partners, Dayton has receive more vitalization into the economy.

Today they employ nearly 20,000 people.

Quote Comparison

Dayton, OH most affordable premium choices for 30 to 55 y/o drivers.

Finding a cheaper premium is fairly easy in Dayton. Among the large cities they are the lowest.

To find low quotes start with The Cincinnati, Erie, and Frankenmuth.

I queried each at $908, $917, and $933 respectfully for a 30 year old driver. Or approximately 18% lower than the citywide premium in Dayton.

A 45 year old can find lower rates with The Cincinnati, Erie, and Frankenmuth. With quotes at $632, $638, and $680 respectfully for full coverage. Or 17% lower than the average premium.

A 55 year old can find the best options with The Cincinnati. I queried them at $433 for a driver with no driving violations. Which is 19% lower than the “mean” premium in the city of Dayton.

In fact, any of the carriers illustrated are worth getting quotes from. If you are looking for savings on your policy.

Driving without Insurance Fines and Penalties

  • First Offense – Loss of license, plates, and registration until requirements are met. Pay a reinstatement fee of $100.

  • Second Offense – Loss of license and registration for one year; a reinstatement fee of $300.

  • Third Offense – Loss of license and registration for two years; a reinstatement fee of $600.

  • If you fail to surrender your license to the police officer there is an additional $50.00 penalty.

  • Drivers are required to maintain special “high-risk” coverage on file with the Bureau of Motor Vehicles (BMV) for three to five years.

Below is a table to show you the total cost of a DUI in the state of Ohio.

Added Insurance Costs$2500 - $5,000
DUI Lawyer$800 - $2,500
Court Fines$400 - $1,000
Alcohol Treatment / Education$400 - $1,000
Towing and Impound$100 – $1,000
Bail$150 – $2,000
Ignition Lock$150 - $250
Licensing Fees$50 - $150
Total$4,550 - $12,000+

Once a driver has been convicted of driving without insurance in a court of law in OH and violates their suspension, their license plates and vehicle will be confiscate for thirty days on the first offense and sixty days on the second offense.

For additional offenses the driver’s vehicle will be confiscated and sold at an government auction and will not be permitted to register a vehicle in the state of OH for a minimum of five years.

Final Thoughts

It is important to make sure your policy is customized to fit your vehicular needs and how you use your vehicle.

Be sure to compare as many car insurance rates as possible since there are firms which can offer you more than minimum coverage while maintaining a low cost.

Then you will have a policy which will cover you, your passengers, your vehicle, and others while minimizing risk.



Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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