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Ohio Cheapest Car Insurance & Best Car Insurance Options

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Updated January 25th, 2021

Checked by
Shaun Fyffe
Insurance Author
Reviewed by
Maurice Draine
Former P&C Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

Our licensed experts analyzed Ohio rates to determine which companies are most affordable with the best insurance options.

A policy’s average cost is $578 annually or $48 per month for a driver with minimum coverage in Ohio. The same driver with full coverage will pay $1,592 annually or $132 per month.

Who has the Cheapest Car Insurance in Ohio?

How do you choose the best way to get Ohio auto insurance for your needs and your budget? In this article, we will help you save money by making good policy decisions. 

Key Considerations & Takeaways
AutoInsureSavings.orgThe average annual car insurance rate for Ohio drivers is $48 monthly or $578 per year for minimum liability coverage and $132 per month or $1,592 annually for full coverage.
The cheapest insurance companies in Ohio for minimum coverage are Westfield and Erie. Both companies can offer policies 25% lower than the average Ohio rate.
The most affordable insurers for full coverage in Ohio are State Farm and Nationwide. State Farm has an average monthly rate of $90, and Nationwide's average rate is $93.
The best-rated insurers in Ohio based on the National Association of Insurance Commissioners (NAIC) complaint index are Auto-Owners, Grange, and Nationwide.

The most affordable company with the best coverage in Ohio is Westfield, with a $411 quote for minimum coverage. The next cheapest insurer is Erie, with a price quote of $418 per year. 

The least expensive auto insurers for minimum coverage limits with quotes. The most expensive insurers across Ohio are Farmers and Allstate, with minimum coverage policies costing $729 annually. Both carriers are 25% more than the cheapest auto insurance company in Ohio. The important reason to do comparison shopping with at least three to five companies before buying coverage. 

Ohio Cheapest Car Insurance

The cost of an auto policy is arguably the most significant consideration when shopping for a policy.

An average driver with a good driving history will find the best coverage rates with Westfield, Erie, and State Farm for minimum coverage. We quoted our profiled driver $476 per year on average, or about 18% cheaper than the Ohio average of $578 per year.

As part of our comparison shopping study, we compared 15 different insurance companies for a 30-year-old driver. 

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The illustration below ranks Ohio car insurance companies from the least to most expensive for minimum coverage limits.

CompanyAverage Annual Rate
Westfield$411
Erie$418
State Farm$424
GEICO$430
The Cincinnati$434
Nationwide$461
Western Reserve$487
Atlantic States$500
Travelers$516
Liberty Mutual$542
Progressive$631
American Family$665
The Hartford$687
Farmers$721
Allstate$779

*Depending on location, your rates may vary when you get a quote. Your quotes will reflect your driver profile. To find the best rate, make sure to compare at least three quotes from different companies with the same coverage levels.

The price difference between full coverage and minimum coverage policy in Ohio is $1,014.

Liability-only insurance is the state requirement, but this coverage leaves your vehicle unprotected from damages in the event of a storm or an at-fault accident.

The risk in carrying state minimum limits is that they may not be enough if you are involved in an accident with a high-value vehicle or involved in an accident with multiple cars.

Cheapest Full Coverage Car Insurance in Ohio

The cheapest company for full coverage in Ohio is State Farm, with an annual $1,077 rate. The next best auto insurance companies for a full coverage policy are Nationwide and Westfield. 

The cheapest full coverage auto insurers average $1,165 in annual car insurance costs or a 27% discount to the Ohio average premium.

The term “full coverage” is used to describe coverage that protects you and your car in the event of an accident. Full coverage car insurance includes bodily injury and property damage liability with comprehensive and collision. 

The cheapest rates for full coverage will be subject to several factors, including the insured vehicle type.

However, the average driver can expect to see the cheapest car insurance rates from:

CompanyAnnual RateMonthly Rate
State Farm$1,077$90
Nationwide$1,121$93
Westfield$1,176$98
GEICO$1,193$100
Erie$1,239$103
The Cincinnati$1,315$109
Grange$1,549$129
Progressive$1,623$135
Ohio Average$1,592$132

If you are financing or leasing your vehicle, you will need at least the state minimum liability insurance and comprehensive and collision coverage.

Collision will cover damages sustained to your auto in the event of an accident – whether you are at fault or not.

Comprehensive coverage applies if your vehicle is damaged due to events such as a storm or an animal’s impact. At times, a full coverage policy may include medical payments coverage or MedPay. 

If you want to insure your vehicle from damage fully, the best way is to consider full coverage and higher liability limits.  

Cheapest Car Insurance in Ohio with Car Accidents

Car accidents and traffic violations will often cause your auto insurance rates to increase.

Simultaneously, a traffic violation calls into question your safe driving habits and makes you appear more likely to be involved in an accident.

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We identified the cheapest companies with one at-fault accident as State Farm, Westfield, and Nationwide.

Together, the three cheapest insurers average $1,765 or 28% cheaper than Ohio’s average accident insurance rate of $2,421.

The most expensive auto insurers are Grange and Progressive, with quotes at $2,578 and $2,732 for Ohio drivers with one at-fault accident.  

With such a large difference in costs, it highlights the importance of comparing multiple car insurance quotes before buying coverage. 

Auto InsurerRate with no accident historyRate with accident history
State Farm$1,077$1,310
Westfield$1,176$1,519
Nationwide$1,121$1,769
Erie$1,239$1,900
GEICO$1,193$1,926
Grange$1,549$2,311
Progressive$1,623$2,421
Allstate$1,814$2,513

Cheapest Car Insurance with a Speeding Ticket

Depending on the severity, a speeding ticket can increase your auto insurance rates by 22% in Ohio. Your average cost of auto insurance is likely to increase from $1,592 to an annual cost of $1,942.

If you are an Ohio driver shopping for the cheapest coverage with traffic tickets on your record, we recommend looking to Westfield then State Farm for full coverage insurance.

Westfield’s premium is $400 cheaper than the average rate, and State Farm is $364 cheaper than the state average. 

CompanyAnnual CostMonthly Cost
Westfield$1,539$128
State Farm$1,586$132
GEICO$1,677$139
Erie$1,743$145
Nationwide$1,892$157
Ohio average$1,942$161

Cheapest Car Insurance Companies with a DUI

A more serious violation, such as an operating under the influence (OUI) charge, may create challenges when finding affordable auto insurance coverage.

We found the average rates for full coverage go up nearly 59% during our comparison shopping analysis, from $1,592 to $2,531.

A DUI or OUI charge could cause your insurance rates to more than double.

If you are charged with a DUI, your car insurer will more than likely consider you a high-risk driver.

You will be associated with other high-risk drivers, and your rates will be calculated within this “risk pool.”

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If you are considered a high-risk driver or have a history of DUI, you may be able to find affordable coverage with non-standard companies through The General or Safe Auto.

We strongly recommend that standard companies are State Farm and Progressive for those with a DUI in their driver history.

State Farm charges $1,744 annually for a DUI on record, or 32% cheaper than Ohio’s average DUI rate. Progressive offers quotes at $1,904 or 25% lower than other insurers for similar driver profiles. 

CompanyAnnual CostMonthly Cost
State Farm$1,744$145
Progressive$1,904$158
GEICO$2,270$189
Safe Auto$2,300$191
The General$2,411$200
Ohio average$2,531$210

Cheapest Car Insurance for Young Drivers in Ohio

A young driver is someone under the age of 25.

Due to their lack of driving experience, young drivers are thought to be at an increased risk of being involved in a car accident. Therefore, their rates are higher than older drivers.

We found the average annual cost of full coverage car insurance in Ohio for an 18-year-old in high school is $5,190 or 326% more than our sample 30-year-old of $1,592. 

The cheapest insurance company for young drivers is GEICO, where teens will pay $3,183 annually or $265 monthly.  

But, Erie and Travelers are competitive with GEICO in their pricing for teens with minimum coverage. With Erie, teenagers will pay an annual rate of $1,460 or $121 monthly for minimum coverage. 

Western Reserve and Travelers are a close second in car insurance rates for drivers under the age of 25, offering quotes at $1,613 and $1,688 for minimum coverage, which is 15% cheaper than Ohio’s average rate for an 18-year-old. 

CompanyFull CoverageMinimum Coverage
GEICO$3,183$1,477
Erie$3,370$1,460
State Farm$3,711$1,601
Western Reserve$4,391$1,688
Travelers$4,460$1,613
Westfield$4,231$1,761
Grange$4,400$1,943
Nationwide$4,903$2,102
Allstate$5,984$2,191
Ohio average$5,190$2,033

Cheapest Companies for Young Drivers with a Speeding Ticket

Erie has the most affordable rates for young drivers in Ohio with a speeding ticket on their record.

Full coverage insurance costs $3,727 annually, which is 39% cheaper than Ohio’s average rate of $6,100.

Teen driver’s average insurance rates increase by 24% with a speeding ticket.

A minimum coverage policy for a young driver will increase by 18% with a speeding ticket. 

CompanyAnnual CostMonthly Cost
Erie$3,727$310
GEICO$3,940$328
State Farm$4,511$375
Ohio average$6,100$508

Our licensed insurance experts recommend teen drivers get full coverage. Teens get into more accidents than adult drivers.

Though a minimum coverage policy is thousands of dollars cheaper annually, it could cost more if a teen driver gets into an accident and their parents have to pay out of pocket.

We recommend teen drivers to stay on their parent’s policy as long as possible. And take advantage of good student and student-away-from-home discounts. 

Cheapest Car Insurance with Poor Credit

The cheapest car insurance in Ohio for drivers with poor credit are GEICO and Nationwide.

The average full coverage auto insurance rate for motorists with poor credit is $2,219 per year. In comparison, a driver with good credit will pay $1,592 annually.  And Ohio drivers with excellent credit will pay $1,087 per year.

Look to GEICO if you are comparison shopping with a poor credit score. Average rates from GEICO are $1,732 annually. Consider Nationwide since they offer lower than average insurance costs at $1,921 per year for motorists with poor credit. 

Both auto insurers are $423 cheaper than the next best insurers State Farm and Erie. Or $175 cheaper than the state average rate.

CompanyAnnual CostMonthly Cost
GEICO$1,732$144
Nationwide$1,921$160
Erie$2,131$177
Ohio average$2,219$184

GEICO and Nationwide are likely to be your most competitive auto insurance options if you have less than perfect credit.

Still, it is recommended that you get multiple car insurance quotes to compare.

Before you worry too much about the impact your credit score has on your policy, understand that the credit-based insurance score uses elements of your credit score to predict the likelihood that you may have an accident.

Ohio laws provide some consumer protection regarding credit-based insurance scores.

Your credit score may not be the sole factor in determining coverage rates.

Ohio’s Department of Insurance provides additional information on credit-based insurance scores.

Cheapest Car Insurance for Married Drivers

Auto insurance companies lower premiums for married drivers since; statistically, they are less prone to accidents.

In Ohio, our analysis found that married drivers pay an average rate of $1,329 annually or $263 less per year what a single driver pays for car insurance in Ohio.

Married drivers can reduce average rates more through car insurance discounts with multi-car and multi-policy options.

State Farm offers the best average rates for married couples. Our analysis shows that married couples pay $976 annually or $81 per month. The next cheapest insurer for married drivers is Nationwide, with average rates at $1,043 per year.  

CompanyAnnual CostMonthly Cost
State Farm$976 $81
Nationwide$1,043$87
Erie$1,081$90
Liberty Mutual$1,104$92
Ohio average$1,329 $110

Best Car Insurance Companies in Ohio

According to the Insurance Information Institute (III.org), the cost of auto insurance is one of the most important factors to consider when quoting an insurance policy; you should also look at the insurance providers themselves.

The auto insurance policy is a contract between the vehicle owner – and operator – and the insurance company.

This contract will determine what is covered in the event of an accident, and the insurance company will control how that coverage is applied.

National Association of Insurance Commissioners (NAIC) provides a list of the top insurance companies with the lowest complaint ratio. If you use the complaint ratio index from NAIC, Ohio’s best car insurance companies are Auto-Owners, Grange, and Nationwide.  

Auto InsurerWritten PremiumsComplaint ratio
Auto-Owners$30,341,5790.07
Grange$233,058,9000.10
Nationwide$437,761,4660.37
Progressive$691,877,8710.41
GEICO$308,214,5940.57
Cincinnati$132,457,5900.60
Allstate$434,055,0520.63
Erie$46,437,2170.65
State Farm$1,041,549,4790.66
Farmers$154,618,3300.66
Liberty Mutual$196,046,4210.68
Westfield$148,615,0950.76
Motorists Mutual$83,652,7560.84
Safe Auto$56,966,0262.17

The complaint index ratio represents the number of complaints an insurance company receives compared to its total number of written premiums. 

When looking for affordable and quality coverage, these two companies, Auto-Owners and Grange, are worth considering for more than just their competitive rates and a low number of complaints based on NAIC’s index. 

Both companies are regionally trusted and are likely to provide higher quality service to support the rationale for slightly higher insurance premiums.

Cheapest Car Insurance Costs by City in Ohio

Here is a list of the city’s average rate for drivers that need car insurance in Ohio and how they compared to other towns. The smaller cities in the table are for motorists with full coverage. Typically, the smaller the town, the cheaper the rates.

Our experts compared insurance rates for larger cities in Ohio further below.

City Annual Insurance RateCity Annual Insurance Rate
Albany$1,011Huber Heights$1,487
Amherst$1,599Kent$1,509
Antwerp$1,386Kettering$1,551
Arcadia$1,390Lakewood$1,590
Ashtabula$1,488Lancaster$1,387
Athens$1,600Lima$1,390
Aurora$1,530Lorain$1,510
Avon$1,488Lucasville$1,418
Avon Lake$1,620Mansfield$1,412
Barberton$1,524Marion$1,521
Bay Village$1,600Massillon$1,532
Beachwood$1,710Mechanicsburg$1,176
Beavercreek$1,009Medina$1,669
Bedford$1,623Mentor$1,460
Bedford Heights$1,620Miamisburg$1,430
Bellefontaine$1,620Milford$1,580
Bellevue$1,410Middletown$1,550
Bexley$1,390Newwark$1,451
Blue Ash$1,629North Olmstead$1,139
Broadview Heights$1,520Northfield$1,449
Brooklyn$1,625North Royalton$1,498
Brook Park$1,598Norwood$1,750
Brunswick$1,445Oxford$1,554
Bucyrus$1,499Parma$1,510
Campbell$1,740Piqua$1,430
Cedarville$1,056Reynoldsburg$1,317
Canton$1,570Rocky River$1,450
Centerville$1,570Sandusky$1,384
Circleville$1,132Shaker Heights$1,750
Chillicothe$1,550Sidney$1,449
Clarksburg$1,081Solon$1,558
Cleveland Heights$1,759South Euclid$1,750
Cleves$1,230Springboro$1,510
Clifton$1,173Springfield$1,524
Concord$1,598Stow$1,601
Conneaut$1,760Streetsboro$1,750
Cuyahoga Falls$1,438Strongsville$1,421
Dalton$1,520Sylvania$1,520
Delaware$1,544Tallmadge$1,500
Dublin$1,660Thornville$1,328
East Cleveland$1,783Trotwood$1,650
Eastlake$1,530Troy$1,440
Edgerton$1,351Uhrichsville$1,395
Englewood$1,660Upper Arlington$1,639
Elyria$1,409Vandalia$1,477
Euclid$1,267Wadsworth$1,750
Fairborn$1,511Warren$1,630
Fairfield$1,282Waverly$1,216
Findlay$1,411West Chester$1,599
Forest Park$1,660Westerville$1,728
Frankfort$1,090Westlake$1,750
Fremont$1,521Wickliffe$1,511
Gahanna$1,620Willoughby$1,478
Garfield Heights$1,721Willowick$1,475
Green$1,395Williamsburg$1,576
Greenwich$1,176Worthington$1,750
Grove City$1,399Worthington$1,238
Hilliard$1,700Xenia$1,214
Hinckley$1,376Zanesville$1,402

Cheapest Car Insurance in Columbus, OH

During our analysis, we found the cheapest insurance companies in Columbus, OH, to be Erie, The Cincinnati, and GEICO, as illustrated below.

Columbus CompanyAverage Rate
Erie$1,137
The Cincinnati$1,190
GEICO$1,231
Columbus Average$1,370

Cheapest Car Insurance in Cleveland, OH

If you are shopping for car insurance in Cleveland, we recommend getting quotes from Erie, Grange, and The Cincinnati, as illustrated below. 

Cleveland CompanyAverage Rate
Erie$1,733
Grange$1,901
The Cincinnati$2,018
Cleveland average$1,948

Cheapest Car Insurance in Cincinnati, OH

In Cincinnati, we recommend you to get insurance quotes from State Farm, Grange, and Erie. Each is 20% cheaper than the average Cincinnati rate for good drivers. 

Cincinnati CompanyAverage Premium
State Farm$1,327
Grange$1,460
Erie$1,611
Cincinnati average$1,731

Cheapest Car Insurance in Toledo, OH

In Toledo, comparison shoppers should put State Farm, GEICO, and Erie to get quotes to save money. All three insurance carriers are at least 10% cheaper than the Toledo average rate.  

Toledo CompanyAverage Premium
State Farm$1,303
GEICO$1,427
Erie$1,516
Toledo average$1,739

Cheapest Car Insurance in Akron, OH

Akron, Ohio drivers, should take a look at Grange, Erie, and Frankenmuth. All three carriers’ insurance quotes are more than 19% lower than the average Akron rate for good drivers.  

Akron CompanyAverage Premium
Grange$1,290
Erie$1,475
Frankenmuth$1,582
Akron average$1,740

Cheapest Car Insurance in Dayton, OH

To find cheaper auto insurance coverage in Dayton, our experts recommend getting quotes from GEICO, Erie, and Progressive. All three auto insurers can offer quotes over 16% better than the average Dayton premium. 

Dayton Company30 Y/O
GEICO$1,299
Erie$1,411
Progressive$1,579
Dayton average$1,640

Cheapest Car Insurance in Youngstown, OH

Youngstown, Ohio drivers, should look at State Farm, Erie, and GEICO to save money on their car insurance. Each insurer offers coverage 17% cheaper than the average Youngstown premium. 

Youngstown CompanyAverage Premium
State Farm$1,439
Erie$1,587
GEICO$1,704
Youngstown average$1,890

Ohio Minimum Auto Insurance Coverage Requirements

Ohio’s minimum liability car insurance requirements are 25/50/25, as illustrated below.

CoverageOhio Minimum Liability Requirements
Bodily injury (BI)$25,000 per person/$50,000 per accident
Property Damage (PD)$25,000
Uninsured Motorist Bodily InjuryOptional
Uninsured Motorist Property DamageOptional

Frequently Asked Questions

Who has the cheapest minimum coverage in Ohio?

When our licensed insurance experts conducted the analysis, we found the cheapest insurance companies for Ohio’s minimum coverage to be Westfield and Erie. Both insurers can offer coverage 20% cheaper than the average Ohio minimum coverage premium. 

Who offers the cheapest full coverage premium in the state of Ohio?

Drivers with good driving records can get the cheapest full coverage from State Farm, Nationwide, and Westfield. All three insurance companies can offer rates 27% cheaper than the average full coverage premium in Ohio. 

How much is car insurance per month in Ohio?

Depending on the type of vehicle, a 30-year-old driver with full coverage will pay $135 to $165 a month for a car insurance premium in Ohio.

The same driver will pay from $45 to $85 for liability only.

Do you need to carry full coverage on a financed car in the state of Ohio?

Yes, you will need full coverage from an insurer if you have an auto loan or lease on your motor vehicle. 

The lender will require you to carry liability, comprehensive, and collision insurance – sometimes called “full coverage.” 

Are There Uninsured Drivers in Ohio?

An Insurance Research Council study from 2017 suggested that 12.4% of all drivers in Ohio are uninsured.

Many cities in Ohio, such as Canton and Dublin, have a significant number of uninsured motorists.

Uninsured and Underinsured motorist coverage is not required, but it is essential to consider carrying.

Bottom Line

Your auto insurance should be more than just a legal requirement in the state of Ohio.

Car insurance protects you, protects others, and ensures that you always have a car to get you and your family where you need to go.

Finding the best rates and the best coverage requires comparing rates and doing research, but AutoInsureSavings experts are here to help.

To learn more about Ohio’s cheapest car insurance, contact the AutoInsureSavings insurance agency at (855) 233-7818 to help you save. Our licensed professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org collects quotes from the state’s largest car insurance companies for a 30-year-old male or female motorist for our driver profile. Each driver has a clean driving record, and we applied a good or safe driver discount.

AutoInsureSavings.org collects three to five quotes from each insurer via Quadrant Information Services.

Unless stated, our methodology’s operating vehicle is a 2018 Honda Accord with a paperless, safe driver, and anti-theft discounts. The full coverage policy included:

$50,000 bodily injury liability per person.
$100,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$50,000 uninsured motorist coverage per person.
$100,000 uninsured motorist coverage per accident.

Collision coverage with a $500 deductible.
Comprehensive coverage with a $500 deductible.

AutoInsureSavings.org uses rate data from Quadrant Information Services. We sourced quotes from insurer filings that are publicly available for rate comparison.
Sources

https://www.allstate.com/

https://www.insurance.ohio.gov/Consumer/

Frankenmuth

https://www.grangeinsurance.com/

https://www.iii.org/fact-statistic/facts-statistics

J.D. Power Study

Maurice Draine

Maurice Draine

Maurice, a former licensed P&C insurance agent with a 4-year degree in journalism. He resides in Minneapolis and has worked as a technical writer for UnitedHealthcare and Wells Fargo, where he created Medicare-related policies and procedures for three years. He is also an editor for AutoInsureSavings.org.

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