The Best Car Insurance in Ohio

Auto-Owners is our top pick for Ohio drivers, ranking first with a 4.80 score. The company earns perfect ratings for affordability (5/5) and customer experience (5/5). Seniors and drivers with violations receive competitive rates where other insurers impose steep surcharges. Local agent support and strong financial stability (AM Best A++) provide reliable coverage at reasonable prices.

Auto-Owners offers the lowest rates in Ohio at $70 monthly for full coverage and $27 for minimum coverage. Seniors pay $96 monthly and drivers with speeding tickets pay $70 monthly. Drivers with accidents pay $97 monthly, beating higher-risk category competitors.

Multi-policy bundling provides discounts up to 20%. Safe driver discounts and loyalty rewards benefit long-term customers. Good student discounts and defensive driving courses cut premiums by an additional 10% to 15%.

Auto-Owners achieves a perfect 5.0 customer experience rating among Ohio insurers. Policyholders praise responsive local agents and efficient claims processing. The extensive network of independent agents across Ohio provides personalized service and quick response to weather-related claims. The mobile app handles policy management, claims filing and instant insurance certificates, though interface improvements would match larger carriers.

Auto-Owners provides comprehensive standard coverage including liability, collision and comprehensive protection with add-ons like roadside assistance and rental reimbursement. Gap insurance, custom equipment coverage and enhanced liability limits suit Ohio drivers concerned about severe weather damage and urban theft risks. Coverage flexibility lets drivers adjust deductibles and limits, though rideshare coverage requires separate endorsements. For Ohio's variable weather and higher theft rates in Cleveland and Columbus, Auto-Owners' comprehensive coverage and local claims support provide solid protection.

GEICO ranks fifth among Ohio insurers but offers competitive pricing for young drivers and those with DUI or accident history. Full coverage costs $74 monthly and minimum coverage costs $40 monthly. The affordability score of 4.5 out of 5 and digital-first approach keep costs manageable for high-risk drivers facing steep premiums elsewhere.

GEICO offers competitive monthly rates in Ohio with full coverage averaging $74 and minimum coverage at $40. These rates particularly benefit young drivers and those rebuilding their insurance history after violations, where GEICO's pricing remains accessible compared to premium carriers.

The company's affordability ranking of fifth in the state reflects solid value for drivers prioritizing cost over premium service. GEICO's streamlined digital model helps control overhead costs, passing savings to policyholders in high-risk categories.

GEICO's customer experience ranks seventh in Ohio with a 3.7 out of 5 rating. The mobile app handles policy management and claims filing efficiently, though phone support involves longer wait times during peak periods.

GEICO processes claims through digital channels and regional centers rather than local agents, working well for straightforward claims but feeling impersonal for complex situations. The approach suits tech-comfortable drivers but frustrates those preferring face-to-face service during Ohio's severe weather events.

GEICO provides standard liability, collision and comprehensive coverage in Ohio with basic add-ons like roadside assistance and rental reimbursement. Coverage customization is limited, ranking eighth in Ohio for coverage options with a 2.5 out of 5 score.

The streamlined approach works for drivers seeking essential protection without customization. Ohio's weather risks like hail and flooding make comprehensive coverage important, though GEICO's basic approach excludes specialized protections like gap insurance or custom equipment coverage that competitors offer.

Cincinnati leads for Ohio drivers with bad credit or low income, charging competitive rates where other insurers apply premiums. Drivers with bad credit pay $136 monthly for full coverage and $56 for minimum coverage. Low-income drivers pay $100 monthly for full coverage and $42 for minimum coverage. The local Ohio presence and understanding of regional conditions benefit cost-conscious drivers.

Cincinnati offers Ohio's best rates for bad credit at $136 monthly for full coverage and $56 for minimum coverage. Low-income drivers pay $100 monthly for full coverage and $42 for minimum coverage, the most affordable in these categories.

Multi-policy bundling, safe driver discounts and loyalty rewards reduce premiums up to 20%. Payment plan flexibility and no down payment options help budget-constrained drivers get coverage without financial strain.

Cincinnati achieves a 4.0 out of 5 customer experience rating among Ohio drivers, with strong support for customers in challenging financial situations. Local Ohio operations and regional claim centers provide faster response during severe weather events including winter storms and summer hail damage.

The mobile app offers policy management, claims filing and digital insurance cards, though some customers report longer phone wait times during peak periods. The approach to working with credit-challenged customers shows in flexible payment options and patient service.

Cincinnati provides comprehensive coverage including liability, collision, comprehensive and uninsured motorist protection tailored for Ohio's driving conditions. Add-ons like roadside assistance, rental reimbursement and gap coverage benefit drivers with older vehicles or those financing cars despite credit challenges.

Coverage addresses Ohio's regional risks including deer collisions, winter weather damage and theft in Cleveland and Columbus. Flexible deductible options let drivers balance monthly premiums with out-of-pocket costs, making coverage accessible for budget-conscious customers.