Auto-Owners offers Ohio's most affordable car insurance, with monthly rates of $27 for minimum coverage and $70 for full coverage. Drivers save $16 monthly (24%) compared to state averages. Get quotes from Ohio Mutual, Travelers, Erie and GEICO too.
Cheapest Car Insurance in Ohio
Updated: August 6, 2025
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Key Takeaways
The cheapest car insurance companies in Ohio for most drivers are Auto Owners, Ohio Mutual Insurance and Travelers, offering average savings of up to 24%.
Car insurance costs can be as low as $21 for minimum coverage and $55 for full coverage policies on average in Ohio.
To get the cheapest car insurance in Ohio, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Ohio?
| Auto Owners | $27 | $70 | -24% |
| Ohio Mutual Insurance | $31 | $80 | -14% |
| Travelers | $36 | $75 | -13% |
| Erie Insurance | $29 | $83 | -12% |
| Geico | $40 | $74 | -11% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN OHIO
We've created additional guides below to help you in your search for the best and cheapest car insurance in Ohio:
Best Car Insurance Rates by Category in Ohio
GEICO and Auto-Owners lead Ohio's insurance market, with each provider offering the lowest rates in four out of our 10 driver categories. Find your specific rates in the table:
| Young Drivers | Geico | $63 |
| Adult Drivers | Auto Owners | $27 |
| Senior Drivers | Auto Owners | $47 |
| Drivers With An Accident | Geico | $47 |
| Drivers With A DUI | Geico | $56 |
| Drivers With A Speeding Ticket | Auto Owners | $27 |
| Drivers With Bad Credit | Grange Insurance | $71 |
| Drivers With Low Income | Cincinnati Insurance | $42 |
| Drivers With Newer Cars | Geico | $36 |
| Drivers With Old Cars | Auto Owners | $19 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Ohio for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Grange offers the lowest rates at $126 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Grange Insurance | $126 | $1,512 | -61% |
| Geico | $181 | $2,176 | -44% |
| Cincinnati Insurance | $199 | $2,383 | -39% |
| Ohio Mutual Insurance | $202 | $2,429 | -37% |
| Auto Owners | $282 | $3,383 | -13% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Ohio by City
Where you live in Ohio affects your insurance costs based on local crime, accidents and traffic density. Auto-Owners charges as little as $21 in Ottawa but GEICO charges $36 in Blissfield. Here are the cheapest providers for every Ohio city.
Data filtered by:Results filtered by:
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City:Aberdeen
| Aberdeen | Auto Owners | $28 | -23% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Ohio By Driver Age Group
We analyzed car insurance rates across Ohio for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Cheapest For Young Drivers: GEICO (From $63/month)
- Cheapest For Adult Drivers: Auto-Owners (From $27/month)
- Cheapest For Senior Drivers: Auto-Owners (From $47/month)
Cheapest Car Insurance For Young Drivers in Ohio
Young drivers in Ohio get their best rates from Erie. Minimum coverage costs $58 per month, saving drivers 45% compared to other providers. GEICO leads for full coverage at $118 monthly, saving young drivers 44%.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Erie Insurance | $58 | $696 | -45% |
| Geico | $63 | $754 | -41% |
| Auto Owners | $72 | $859 | -33% |
| Ohio Mutual Insurance | $73 | $874 | -31% |
| Travelers | $107 | $1,284 | 1% |
Cheapest Car Insurance For Adult Drivers in Ohio
Auto-Owners offers Ohio's lowest rates for adult drivers: $27 monthly for minimum coverage and $68 for full coverage.
Data filtered by:Results filtered by:
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coverage_user_friendly:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Auto Owners | $27 | $318 | -38% |
| Erie Insurance | $29 | $346 | -33% |
| Ohio Mutual Insurance | $33 | $392 | -24% |
| Geico | $38 | $457 | -11% |
| Cincinnati Insurance | $42 | $508 | -1% |
Cheapest Car Insurance For Senior Drivers in Ohio
Erie offers Ohio seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,142 annually, while minimum coverage runs $551 per year.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Erie Insurance | $46 | $551 | -31% |
| Auto Owners | $47 | $561 | -30% |
| Ohio Mutual Insurance | $47 | $565 | -29% |
| Geico | $52 | $625 | -22% |
| Nationwide | $60 | $717 | -10% |
Cheapest Car Insurance For High-Risk Drivers in Ohio
We studied four core areas for profiles insurers consider particularly high-risk in Ohio including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Grange (From $71/mo)
- Cheapest With a DUI: GEICO (From $56/mo)
- Cheapest With an Accident: GEICO (From $47/mo)
- Cheapest With a Speeding Ticket: Auto-Owners (From $27/mo)
Cheapest Car Insurance For Bad Credit in Ohio
Cincinnati offers Ohio drivers with bad credit the most affordable car insurance rates. Annual premiums start at $640 for minimum coverage and $1,278 for full coverage policies.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Cincinnati Insurance | $53 | $640 | -52% |
| Ohio Mutual Insurance | $59 | $712 | -46% |
| Grange Insurance | $68 | $810 | -39% |
| Geico | $82 | $990 | -25% |
| Erie Insurance | $91 | $1,097 | -17% |
Cheapest Car Insurance With a DUI in Ohio
GEICO ranks as the most affordable option for Ohio drivers with DUIs, offering annual rates of $650. Auto-Owners provides the next best value with premiums of $680 per year.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $54 | $650 | -29% |
| Auto Owners | $57 | $680 | -26% |
| Erie Insurance | $60 | $726 | -21% |
| Progressive | $64 | $763 | -17% |
| Grange Insurance | $66 | $798 | -13% |
Cheapest Car Insurance With an Accident in Ohio
Ohio drivers with an accident on their record can find the most affordable coverage through Auto-Owners at $40 per month ($480 annually).
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Auto Owners | $40 | $480 | -37% |
| Geico | $45 | $539 | -30% |
| Erie Insurance | $46 | $552 | -28% |
| Ohio Mutual Insurance | $47 | $569 | -26% |
| Grange Insurance | $57 | $679 | -12% |
Cheapest Car Insurance With an Speeding Ticket
Ohio drivers with speeding tickets can find the lowest rates through Auto-Owners. The provider offers minimum coverage at $318 per year, while full coverage costs $811 annually.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Auto Owners | $27 | $318 | -50% |
| Erie Insurance | $32 | $384 | -40% |
| Ohio Mutual Insurance | $37 | $448 | -29% |
| Geico | $43 | $519 | -18% |
| Cincinnati Insurance | $50 | $597 | -6% |
How to Get the Cheapest Car Insurance in Ohio
Finding the most affordable insurance companies is just the first step to getting the best car insurance rates in Ohio. Below are proven ways to save the most on auto insurance.
- 1
Compare Multiple Providers
Get quotes from multiple companies through different channels: directly from insurers, independent agents and comparison sites. Your rates can vary widely depending on how you get quotes, so try all these options.
- 2
Determine Coverage Needs
Figure out what coverage you need before you shop. This helps you avoid paying for extras you don't need while getting enough financial protection.
- 3
Evaluate Coverage Levels
If you're trying to cut costs, you can lower your coverage levels and raise your deductibles. First check your finances, how much you drive and what your car's worth to make sure this makes sense.
- 4
Research Costs and Discounts
Look up average costs for drivers like you so you know what's normal. Check what discounts you qualify for and see if bundling home and auto insurance saves you money.
- 5
Explore Alternative Insurance Options
If you don't drive much, check out pay-per-mile insurance or telematics programs that track your driving. These options can save you money compared to regular policies.
- 6
Improve Your Risk Profile
If you're buying a car, pick one that's cheaper to insure. Older, reliable cars usually cost less for insurance and repairs than newer or luxury models.
- 7
Choose an Insurance-Friendly Vehicle
Select a vehicle that's typically cheaper to insure if you're planning to buy a car. Older, reliable vehicles often cost less to insure and maintain than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Ohio
Ohio's minimum required coverage follows a 25/50/25 liability structure. This means drivers must carry $25,000 for bodily injury liability per person, $50,000 total injury coverage per accident and $25,000 for property damage liability. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Ohio, average property damage claims hit $4,731 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Ohio gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reported significant weather-related property damage across Ohio in 2023. Basic coverage won't pay for storm damage. Add comprehensive coverage to protect against hail, floods and wind damage.
Bodily injury damage is more likely to be higher than the minimum limits
Ohio's $25,000 minimum bodily injury coverage often isn't enough. Insurance Information Institute data shows average bodily injury claims in Ohio reached $23,450 in 2023, dangerously close to the minimum limit. Rising medical costs mean you could face major out-of-pocket expenses. Consider increasing coverage to at least 50/100/50 for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Ohio has a serious uninsured driver problem, with 13% of drivers lacking insurance. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Ohio, according to National Insurance Crime Bureau statistics. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Ohio: Bottom Line
Auto-Owners offers the lowest car insurance rates in Ohio for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Ohio: FAQ
Find answers to common questions about affordable car insurance in Ohio below to help you save on coverage.
What are the cheapest car insurance companies in Ohio?
Auto-Owners provides the most affordable car insurance in Ohio, with average annual rates of $324 for minimum coverage and $837 for full coverage. Erie Insurance, Ohio Mutual, Travelers and GEICO also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Ohio?
GEICO provides the lowest rates for young drivers in Ohio, with monthly premiums averaging $63.
Who offers the cheapest car insurance rates for seniors in Ohio?
Senior drivers in Ohio can find the most competitive rates with Auto-Owners, offering policies for those 65 and older at an average of $47 per month.
Who has the cheapest car insurance in Ohio for bad credit?
Grange provides the lowest rates for bad-credit drivers in Ohio, with monthly premiums averaging $71 for minimum coverage and $114 for full coverage.
Who has the cheapest car insurance in Ohio with an accident?
GEICO offers the lowest car insurance rates for Ohio drivers with accident records, starting at $47 per month for minimum coverage.
Who has the cheapest car insurance in Ohio with a DUI?
GEICO provides the cheapest car insurance after a DUI in Ohio. Monthly rates start at $56 for minimum coverage and $108 for full coverage.
Who has the cheapest car insurance in Ohio for those with a speeding ticket?
After getting a speeding ticket, Auto Owners provides the lowest rates in Ohio: $27 monthly for minimum coverage and $70 for full coverage.
Should you buy the cheapest car insurance in Ohio?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Auto-Owners balances low prices with solid coverage options in Ohio.
How We Found the Most Affordable Car Insurance in Ohio
MoneyGeek collected auto insurance data from the Ohio Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Ohio.
Ohio Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Ohio
We compared car insurance companies in Ohio that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Ohio.
The minimum coverage liability limits in Ohio are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 17, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 17, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 17, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 17, 2025.