Best Car Insurance in Ohio (March 2024)

In Ohio, American Family is MoneyGeek's top pick for overall best provider for car insurance. Auto-Owners is the best choice for those seeking minimum coverage and families with teen drivers. However, the ideal choice varies based on individual necessity and preference. For cost-conscious drivers, the cheapest car insurance in Ohio is worth considering.

In Ohio, American Family emerges as the leading car insurance company, with a MoneyGeek score of 87 out of 100. MoneyGeek scores for auto insurers range from 87 to 65, illustrating a performance spectrum within our baseline scoring criteria. These scores reflect a comprehensive analysis of various factors vital to consumers and differ for specific driver profiles.

MoneyGeek found that American Family is the best option in Ohio for the best full coverage car insurance. Drawing from an extensive data-driven analysis, the top two providers are:

• American Family: MoneyGeek score of 87 out of 100 ($486 per year)
• Auto-Owners: MoneyGeek score of 86 out of 100 ($629 per year)

American Family stands out in Ohio for its excellent balance between affordability and comprehensive coverage options. The company's strong claims handling experience and a high coverage score are significant contributors to its top MoneyGeek score.

In Ohio, consumers can choose from a variety of companies offering different levels of cost and service experiences. For those interested in budget-friendly options, MoneyGeek also analyzes the cheapest full coverage car insurance in Ohio.

MoneyGeek found that Cincinnati Insurance is the best option in Ohio for car insurance focused on customer service.

• Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($925 per year)
• Erie: MoneyGeek score of 85 out of 100 ($767 per year)

Cincinnati Insurance stands out for its high satisfaction and claims handling scores, significantly contributing to its overall MoneyGeek score. Although it has higher rates, opting for Cincinnati Insurance means you are paying for a superior and more consistent service experience.

In Ohio, car insurance customers can choose from a range of companies, each offering varying levels of customer satisfaction and claims experiences. An insurance company must provide excellent customer service and efficient claims handling because these factors directly affect your peace of mind and overall satisfaction. When an accident occurs, a reliable insurer with responsive customer service can make the difference in turning an otherwise stressful situation into a manageable one.

MoneyGeek found that Auto-Owners is the best option in Ohio for those seeking minimum coverage car insurance. When it comes to affordability and reliability, here are the top two insurance providers:

• Auto-Owners: MoneyGeek score of 85 out of 100 ($246 per year)
• Erie: MoneyGeek score of 85 out of 100 ($293 per year)

Auto-Owners excels with its impressive overall satisfaction and claims handling scores, which are major factors contributing to its high MoneyGeek rating. This company offers the winning combination of customer service quality and affordability, and its annual cost of just $246 allows you to get the minimum insurance required by law in Ohio at a reasonable rate.

Although many insurers in Ohio provide affordable minimum coverage options, it's important to recognize the potential drawbacks of purchasing minimum coverage. Such policies can result in cost savings upfront, but they may not fully cover all expenses in the event of a significant accident, potentially leaving you exposed to out-of-pocket costs.

Driver age significantly influences car insurance rates in Ohio, with cost and tailored coverages impacting premiums for different age groups. MoneyGeek found that Auto-Owners, with a MoneyGeek score of 96 out of 100, is the best option for teen drivers, offering a good balance of satisfaction and affordability at an annual premium of $1,440. For young adults, American Family leads with a score of 87 out of 100, offering a competitive annual premium of $511. The company also is a top choice for seniors, with a score of 87 out of 100 and an even lower annual premium of $459.

MoneyGeek found that Auto-Owners is the best option in Ohio for car insurance for teens.

• Auto-Owners: MoneyGeek score of 96 out of 100 ($1,440 per year)
• Travelers: MoneyGeek score of 88 out of 100 ($1,672 per year)

Auto-Owners stands out with its high scores in customer satisfaction, affordability, claims handling and coverage options. It offers an impressive combination of thorough coverage and customer service, making it an excellent choice for families seeking quality insurance for teen drivers. Importantly, Auto-Owners' annual premium for a teen policy is $1,440, reinforcing the point that it is significantly more cost-effective to add a teen to a family policy for the cheap car insurance for a teen in Ohio than to secure a separate policy.

Adding a teen to a car insurance policy in Ohio and other states can be expensive due to their lack of driving experience and higher statistical likelihood of being involved in accidents. Insurers mitigate the added risk by charging young, less experienced drivers more.

MoneyGeek found that American Family is the best option in Ohio for car insurance for seniors.

• American Family: MoneyGeek score of 87 out of 100 ($453 per year)
• Auto-Owners: MoneyGeek score of 85 out of 100 ($600 per year)

American Family stands out primarily due to its excellent balance of affordability, customer satisfaction and claims handling. Its competitive annual premium of $453 makes it a winning choice for cost-conscious seniors seeking great value.

To secure cheap car insurance for a senior in Ohio, seniors can expect to pay more than those in younger age brackets, like 30s to 50s. However, with American Family, the cost remains highly competitive. It's important to note that car insurance rates for seniors are not always higher than those of middle-aged adults. MoneyGeek's findings are based on rates for seniors in their 60s. Older adults, particularly those in their 70s and 80s, likely face higher premiums due to the increased risk associated with driving in older age.

MoneyGeek found that American Family, with its solid reputation and competitive pricing, is the best option in Ohio for car insurance for young adults.

• American Family: MoneyGeek score of 87 out of 100 ($505 per year)
• Nationwide: MoneyGeek score of 83 out of 100 ($582 per year)

American Family stands out for young drivers in Ohio due to its superior blend of customer satisfaction and affordability, which are key aspects for insurance seekers in their 20s. The most significant contributions to the MoneyGeek score come from high satisfaction and affordability scores. With an annual premium of $505, American Family offers a compelling option for those seeking cheap car insurance for a young adult in Ohio. Note that premiums for young adults are typically higher than for more mature drivers.

Young adults often face higher car insurance rates due to insurers associating youth with a lack of experience and a higher risk of accidents. Despite this, it's still possible to find affordable and reliable coverage, as evidenced by competitive rates available in Ohio.

MoneyGeek found that American Family is the best option in Ohio for drivers with driving offenses, boasting the highest score for car insurance.

• American Family: MoneyGeek score of 87 out of 100 ($611 per year)
• Erie: MoneyGeek score of 86 out of 100 ($1,047 per year)

American Family stands out as the top choice for those seeking affordable coverage despite a spotty driving history. This conclusion is drawn from MoneyGeek's aggregated data for various driving offenses, including speeding tickets, at-fault accidents and DUIs. The high ratings in satisfaction, affordability and coverage make American Family the top provider, offering a competitive annual premium of $611 for drivers with offenses. To get cheap car insurance as a high-risk driver in Ohio, expect to pay more than low-risk drivers who are typically in their 30s, 40s or 50s.

The increased cost of car insurance for drivers with offenses in Ohio and other states is largely due to the higher risk they pose to insurers. Tickets, at-fault accidents or DUIs on a driver's record are statistically linked to a higher likelihood of future claims, prompting insurance companies to charge more to offset this risk.

MoneyGeek found that Travelers is the best option in Ohio for drivers with a new car looking for comprehensive insurance.

• Travelers: MoneyGeek score of 93 out of 100 ($921 per year)
• Farmers: MoneyGeek score of 88 out of 100 ($1,062 per year)

Travelers stands out for its high MoneyGeek score and for offering new car replacement and/or better car replacement coverages, which are crucial for drivers with new vehicles. These features, along with excellent scores in customer satisfaction, claims handling, affordability, coverage options and financial stability, are substantial contributors to Travelers' leading MoneyGeek score. With an annual cost of $921, opting for a policy with Travelers that includes new or better car replacement could result in savings for drivers in the long run. In the event of an accident, these coverages provide more value than standard policies, compensating for a new car rather than the depreciated value of the vehicle.

MoneyGeek found that American Family offers the best car insurance for military members in Ohio, boasting the highest MoneyGeek score.

• American Family: MoneyGeek score of 86 out of 100 ($486 per year)
• Auto-Owners: MoneyGeek score of 85 out of 100 ($629 per year)

Despite coming in second, it is important to note that USAA is also a good option for those with a military background, as it values a balance of service quality and affordability.

American Family stands out as the top provider with an impressive overall score, accompanied by high customer satisfaction and affordability ratings, which are significant factors contributing to its leading position. It's remarkable that with such quality service, the company remains the most affordable at $486 annually. You can also explore the cheapest car insurance in Ohio for military drivers for more budget-friendly options.

In Ohio, the premier car insurance companies distinguish themselves through a blend of affordability, consistent financial stability and a history of exemplary customer service. MoneyGeek has streamlined this selection process for you by evaluating these criteria. However, if you prefer a more hands-on approach, there are at least four steps you should undertake to ensure you find the insurance provider that best suits your needs. Remember, thorough research can lead to substantial savings and greater peace of mind on the road.

The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.