Auto-Owners is the best car insurance company in Ohio, earning a MoneyGeek score of 4.8 out of 5 for its strong customer service and competitive rates. Since insurance needs vary by driver, we also recommend Erie, Travelers, Ohio Mutual and GEICO.
Best Car Insurance in Ohio
Updated: August 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Ohio is Auto-Owners, ranking first in affordability.
Erie offers the best rates for young drivers in Ohio, while Cincinnati Insurance provides the most affordable coverage for drivers with bad credit.
To find the best insurance rates in Ohio, determine your coverage needs first, research provider costs and compare plenty of quotes from multiple companies.
Best Car Insurance Companies in Ohio
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Ohio by Driver Profile
Auto-Owners leads Ohio's car insurance market, offering the lowest rates in six out of ten categories. Cincinnati Insurance provides the best rates for drivers with bad credit and low income, while Erie and Progressive each win one category.
| Young Drivers | Erie | 2 | 2 | 4 |
| Adult Drivers | Auto-Owners | 1 | 1 | 7 |
| Senior Drivers | Auto-Owners | 1 | 1 | 7 |
| Drivers With an Accident | Auto-Owners | 2 | 1 | 7 |
| Drivers With a DUI | Progressive | 2 | 4 | 2 |
| Drivers With a Speeding Ticket | Auto-Owners | 1 | 1 | 7 |
| Drivers With Bad Credit | Cincinnati Insurance | 2 | 5 | 4 |
| Drivers With Low Income | Cincinnati Insurance | 1 | 5 | 4 |
| Drivers With Newer Cars | Auto-Owners | 2 | 1 | 7 |
| Drivers With Old Cars | Auto-Owners | 1 | 1 | 7 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Ohio Car Insurance Recommendations
Your insurance needs may differ from our general recommendations. Compare these five top-rated providers to find coverage that matches your situation.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Grange Insurance | 4.43 | $126 | 11 | 3 |
| Erie | 4.42 | $289 | 2 | 4 |
| Cincinnati Insurance | 4.42 | $199 | 5 | 4 |
| Auto-Owners | 4.41 | $282 | 1 | 7 |
| GEICO | 4.22 | $181 | 7 | 8 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Ohio Car Insurance Reviews
Read detailed service breakdowns for our top-rated insurance companies in each category below.
Auto-Owners
Best Cheap Overall in Ohio
MoneyGeek Rating
4.8/ of 5
5/5Affordability
5/5Customer Experience
3/5Coverage Options
Average Monthly Full Coverage Cost
$70For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$27For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
Erie
Best Customer Experience in Ohio
MoneyGeek Rating
4.5/ of 5
4.5/5Affordability
4.8/5Customer Experience
4/5Coverage Options
Average Monthly Full Coverage Cost
$83For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$29For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.45/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Rate Lock Protection
How to Find the Best Car Insurance in Ohio
Finding good car insurance in Ohio can be challenging. This guide helps you choose the right coverage for your needs.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance is to not know what coverage you need. When deciding, consider your driving habits, location and finances, as well as meeting Ohio's required minimums.
- 2
Research average costs and discounts you may qualify for
Research average car insurance costs in Ohio to understand pricing for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can help you save more.
- 3
Look through provider customer experiences and coverage options thoroughly
Look beyond premiums and review available add-on coverages to get the best option.
- 4
Consider non-standard coverage options
Look into specialized options like non-owner car insurance and pay-per-mile policies that might better suit your needs. If you require an SR-22 in Ohio, research providers specializing in high-risk coverage.
- 5
Compare plenty of quotes through multiple means
Shop around to find the cheapest option possible for your coverage needs.
- 6
Reassess annually
Review coverage options each year and see if you can find a better deal.
Best Ohio Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Auto-Owners is the top-rated company overall, while Erie and Travelers are also good options for drivers in Ohio.
Best Auto Insurance in Ohio: FAQ
Car insurance needs vary by driver, so we've gathered expert answers to common questions to help you find coverage that matches your situation and budget.
What is the best car insurance company in Ohio?
Auto-Owners is the best car insurance company in Ohio overall, with a MoneyGeek score of 4.8 out of 5 and an average monthly premium of $70 for full coverage.
What is the best car insurance company for minimum coverage in Ohio?
Auto-Owners provides the lowest minimum coverage in Ohio with average rates starting at $324 per year.
What is the best car insurance in Ohio for young drivers?
Erie is the top choice for young adults in Ohio, providing competitive rates at $58 per month and strong customer service ratings.
What is the best car insurance for Ohio drivers who value customer service?
Auto-Owners ranks highest for customer experience in Ohio with a 5 out of 5 score. The company excels in their purchase experience, agent support, digital tools and claims handling processes.
What is the best car insurance in Ohio if you have driving offenses?
Auto-Owners leads insurance options for Ohio drivers with a speeding ticket, offering monthly rates of $27 for minimum coverage and $70 for full coverage policies.
How We Rated the Best Car Insurance in Ohio
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Ohio. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Ohio. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Ohio-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
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.