Cheapest Car Insurance in Ohio (October 2025)

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Updated: October 15, 2025

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Key Takeaways

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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% compared the average Ohio cost.

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Car insurance costs can be as low as $21 for minimum coverage and $55 for full coverage policies on average in Ohio.

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To get the affordable car insurance, research local rates and top insurance companies in Ohio, use discount opportunities and compare quotes from various carriers.

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Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Cheapest Liability Only Car Insurance in Ohio

Auto-Owners offers the cheapest liability-only car insurance in Ohio at $27 monthly or $324 annually, providing good value in a state known for reasonable insurance costs. Ohio's competitive market and moderate risk factors contribute to affordable rates across multiple insurers.

Ohio Mutual Insurance ($31 monthly) and Erie Insurance ($29 monthly) offer strong regional alternatives, while Travelers ($36 monthly) and GEICO ($40 monthly) round out the top five. Ohio drivers enjoy multiple budget-friendly options for meeting state requirements as of October 2025.

Auto Owners$27-24%
Ohio Mutual Insurance$31-14%
Travelers$36-13%
Erie Insurance$29-12%
Geico$40-11%

*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.

Ohio requires minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. These standard limits provide reasonable baseline protection while keeping costs manageable for most Ohio drivers.

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GEEK SPEAK: MARK'S THOUGHTS ON LIABILITY-ONLY INSURANCE

Ohio drivers get a pretty good deal compared to most states, but don't let those reasonable rates lull you into a false sense of security. Those lake-effect snowstorms that slam Cleveland and the tornadoes that spin through the southern counties can wreck your car faster than you can say "comprehensive coverage."

Plus, with all those winter freeze–thaw cycles, Ohio roads are basically obstacle courses of potholes that can destroy a tire or alignment. Your 25/50/25 limits are fine for basic protection, but consider the real costs of dealing with Ohio's seasonal challenges.

Minimum coverage keeps you legal, but think about whether it actually keeps you financially protected. Remember, the cheapest insurer isn't necessarily the best car insurance for your specific situation. If you're considering full coverage, scroll down to see the cheapest options for full coverage in Ohio.

Cheapest Full Coverage Car Insurance in Ohio

Auto-Owners maintains its position as Ohio's most affordable option, offering the cheapest full coverage at $70 monthly or $837 annually, the same company that leads in minimum coverage rates. This consistency makes Auto-Owners a solid choice for Ohio drivers seeking comprehensive protection at reasonable prices.

GEICO ($74 monthly) and Travelers ($75 monthly) offer competitive alternatives, while Ohio Mutual Insurance ($80 monthly) and Erie Insurance ($83 monthly) complete the top five. Ohio drivers continue to enjoy multiple affordable options for comprehensive coverage as of October 2025.

Auto Owners$70$837
Geico$74$889
Travelers$75$901
Ohio Mutual Insurance$80$954
Erie Insurance$83$1,000
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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:

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:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Auto Owners$68$811-23%$-242
Erie Insurance$83$991-6%$-63
Grange Insurance$78$935-11%$-118
Geico$72$859-18%$-194
Ohio Mutual Insurance$84$1,007-4%$-47

*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

Auto-Owners dominates Ohio's car insurance market, offering the most affordable minimum coverage rates in all 20 of the state's largest cities. The insurer maintains consistently competitive pricing across diverse metropolitan areas, from major urban centers to mid-sized communities as of October 2025.

Insurance costs vary across Ohio's major cities despite the same provider leading every market. Cleveland residents pay $34 monthly for minimum coverage, while drivers in smaller cities like Elyria enjoy rates as low as $24 monthly. Columbus, the state's largest city, sits in the middle at $32 monthly, demonstrating how local factors outweigh population size in determining premiums.

AkronAuto Owners$29-32%$-24
CantonAuto Owners$26-30%$-20
CincinnatiAuto Owners$33-28%$-22
ClevelandAuto Owners$34-27%$-22
ColumbusAuto Owners$32-30%$-23
Cuyahoga FallsAuto Owners$25-31%$-20
DaytonAuto Owners$29-31%$-22
DublinAuto Owners$27-30%$-20
ElyriaAuto Owners$24-34%$-22
EuclidAuto Owners$29-30%$-22
HamiltonAuto Owners$29-31%$-23
KetteringAuto Owners$25-32%$-21
LakewoodAuto Owners$29-27%$-19
LorainAuto Owners$25-31%$-20
MiddletownAuto Owners$26-33%$-22
NewarkAuto Owners$27-27%$-18
ParmaAuto Owners$27-29%$-19
SpringfieldAuto Owners$26-29%$-19
ToledoAuto Owners$30-33%$-26
YoungstownAuto Owners$32-27%$-20

*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:
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:Clean
Cincinnati Insurance$276$3,310-43%-2472.40
Erie Insurance$376$4,509-22%-1273.33
Geico$251$3,012-48%-2770.39
Grange Insurance$260$3,122-46%-2659.83
Ohio Mutual Insurance$282$3,382-42%-2399.80

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:
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Auto Owners$94$1,131-29%$-453
Grange Insurance$101$1,212-23%$-372
Erie Insurance$122$1,458-8%$-125
Geico$88$1,058-33%$-526
Ohio Mutual Insurance$121$1,452-8%$-131

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:
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:Clean
Cincinnati Insurance$185$2,221-33%$-1,099
Geico$202$2,426-27%$-895
Grange Insurance$170$2,042-39%$-1,278
Nationwide$228$2,733-18%$-587
Ohio Mutual Insurance$170$2,046-38%$-1,275

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 With a Texting While Driving Violation: 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:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Grange Insurance$148$1,773-59%$-2,507
Cincinnati Insurance$238$2,858-33%$-1,422
Erie Insurance$346$4,153-3%$-127
Ohio Mutual Insurance$231$2,774-35%$-1,506
Geico$231$2,774-35%$-1,506

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:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Progressive$108$1,292-33%$-645
Grange Insurance$123$1,479-24%$-458
Auto Owners$127$1,523-21%$-413
Allstate$130$1,560-19%$-376
Geico$104$1,253-35%$-684

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:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Auto Owners$94$1,131-29%$-453
Grange Insurance$101$1,212-23%$-372
Erie Insurance$122$1,458-8%$-125
Geico$88$1,058-33%$-526
Ohio Mutual Insurance$121$1,452-8%$-131

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:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Cincinnati Insurance$131$1,569-47%$-1,394
Grange Insurance$141$1,689-43%$-1,274
Erie Insurance$202$2,420-18%$-543
Ohio Mutual Insurance$151$1,806-39%$-1,157
Geico$180$2,160-27%$-804

Cheapest Car Insurance With a Texting While Driving Violation

Auto-Owners provides the most affordable coverage for Ohio drivers with a texting-while-driving violation. Minimum coverage averages about $27 per month, or $318 per year. Full coverage costs around $68 per month, or $811 annually, which is about 41% lower than the state average.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Auto Owners$27$318-53%$-353
Erie Insurance$32$384-43%$-287
Ohio Mutual Insurance$42$502-25%$-169
Geico$43$520-22%$-151
Cincinnati Insurance$50$597-11%$-74

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 ways to save the most on auto insurance:

  1. 1

    Shop around in a competitive market

    Ohio consistently ranks among the most affordable states for car insurance, with average premiums well below the national average. Still, rates vary, so compare quotes from large national companies as well as Ohio-based regional insurers to find the best deal for your profile.

  2. 2

    Understand state minimum requirements

    Ohio law requires drivers to carry at least 25/50/25 liability coverage ($25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage). While these limits keep premiums low, many drivers choose higher coverage amounts for added protection.

  3. 3

    Adjust deductibles to lower premiums

    If you carry collision or comprehensive coverage, selecting a higher deductible can reduce your monthly payment considerably. This strategy works best if your vehicle is older or if you have savings set aside to cover a larger out-of-pocket expense in case of a claim.

  4. 4

    Take advantage of discounts

    Ohio insurers offer a wide range of savings opportunities. Common discounts include safe driver rewards, multi-policy bundles with home or renters insurance, telematics programs that track driving habits, paperless billing and good student discounts.

  5. 5

    Match coverage to your location

    Where you live in Ohio affects your premium. Drivers in major cities like Cleveland, Columbus and Cincinnati often pay more because of higher accident and theft rates, making comprehensive and collision coverage more valuable. In smaller towns and rural areas, liability-only coverage may be enough for an older, low-value car.

  6. 6

    Maintain a strong driver profile

    Keeping a clean driving record and building good credit are two of the most reliable ways to secure lower premiums in Ohio. Insurers weigh both factors heavily when setting rates.

  7. 7

    Know your fallback option: OAIP

    If you are unable to find coverage in the standard market, you can obtain a policy through the Ohio Automobile Insurance Plan (OAIP). This program guarantees access to liability coverage, though at a higher cost than the open market.

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:

    accident2 icon

    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.

    hurricane icon

    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 major 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.

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    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 financial protection.

    uninsured icon

    Not having uninsured motorist coverage opens you up to unexpected costs

    Ohio has 13% of drivers lacking insurance, according to the Insurance Information Institute. 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.

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    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.

Minimum Coverage Requirements in Ohio

Ohio law requires all drivers to maintain auto insurance before operating a vehicle. The state follows an at-fault system, meaning the driver responsible for a crash must cover the resulting damages. To comply, motorists must carry liability coverage that pays for injuries and property damage caused to others. These minimum limits meet legal standards, but many drivers choose higher coverage amounts to better protect their finances after a serious accident.

Coverage Type
Minimum Required Limit

Bodily Injury Liability (Per Person)

$25,000 per person

Bodily Injury Liability (Per Accident)

$50,000 per accident

Property Damage Liability

$25,000 per accident

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?

Who has the cheapest car insurance rates for young drivers in Ohio?

Who offers the cheapest car insurance rates for seniors in Ohio?

Who has the cheapest car insurance in Ohio for bad credit?

Who has the cheapest car insurance in Ohio with an accident?

Who has the cheapest car insurance in Ohio with a DUI?

Who has the cheapest car insurance in Ohio for those with a speeding ticket?

Should you buy the cheapest car insurance in Ohio?

How We Found the Most Affordable Car Insurance in Ohio

Finding affordable car insurance in Ohio requires comparing rates across multiple insurers for your specific profile. MoneyGeek analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Ohio to identify which providers offer the best value.

We collected auto insurance data from the Ohio Department of Insurance and Quadrant Information Services to create comprehensive rankings tailored to Ohio driver needs.

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

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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.

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