Below are our picks for the best home and auto insurance bundling companies in Ohio:
Best Home and Auto Insurance in Ohio
Updated: April 7, 2025
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Key Takeaways
Auto-Owners, USAA and Nationwide are the top home and auto insurance providers in Ohio.
Nationwide offers the best home and car insurance discount, with savings of 17% on auto and 15% on home insurance.
Ohio's average annual cost for home and auto insurance is $2,793, about 10% lower than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Ohio?
| Auto-Owners | 96 | $1,700 | $194 |
| USAA | 96 | $1,961 | $46 |
| Nationwide | 88 | $1,966 | $364 |
| Farmers | 78 | $2,089 | $532 |
| Allstate | 78 | $2,224 | $558 |
| Progressive | 73 | $2,057 | $130 |
| State Farm | 72 | $5,187 | $1,299 |
| Travelers | 72 | $5,160 | $678 |
Auto-Owners: Best Cheap Home and Auto Insurance in Ohio
Auto-Owners offers the cheapest home and auto insurance in Ohio, saving customers nearly $300 compared to the next lowest-cost provider. The company provides various discounts, including multiple options for students to save on car insurance. Customers can also save by paying online or paying in full.
| Auto | $758 | $42 | 5% |
| Home | $943 | $151 | 14% |
USAA: Best Home and Auto Insurance in Ohio for Military
USAA is a great choice for military families seeking affordable home and auto insurance, offering the second-cheapest rates in Ohio. Drivers can save up to 30% with USAA's SafePilot program by practicing safe driving habits. USAA also earns top customer satisfaction ratings for home and auto insurance, according to J.D. Power.
| Auto | $558 | $33 | 6% |
| Home | $1,403 | $12 | 1% |
Nationwide: Best Home and Auto Insurance Coverage Options in Ohio
Nationwide might not be the cheapest choice for home and auto insurance, but it offers various discounts to help you save. Its usage-based car insurance program, SmartRide, can provide discounts of up to 40%. Nationwide's unique coverage options include disappearing deductible, accident forgiveness and protection against home equipment breakdowns.
| Auto | $668 | $134 | 17% |
| Home | $1,298 | $230 | 15% |
Ohio Home and Auto Insurance Cost
Ohioans pay an average of $233 monthly for home and auto insurance, below the national average of $258. Depending on the provider, monthly rates range from $142 to $432.
| Ohio home and auto insurance bundle | $2,793 | $301 | -10% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Ohio Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in Ohio is more affordable, your quotes may differ. Below are the average costs of all coverage combinations using our top providers without bundling, from cheapest to most expensive.
| USAA | Auto-Owners | $1,686 |
| USAA | Progressive | $1,821 |
| Nationwide | Auto-Owners | $1,896 |
| USAA | Farmers | $2,012 |
| Auto-Owners | Progressive | $2,029 |
| Nationwide | Progressive | $2,031 |
| Progressive | Auto-Owners | $2,052 |
| Travelers | Auto-Owners | $2,104 |
| USAA | Nationwide | $2,120 |
| USAA | Allstate | $2,165 |
| Auto-Owners | USAA | $2,215 |
| Nationwide | USAA | $2,217 |
| Auto-Owners | Farmers | $2,220 |
| Nationwide | Farmers | $2,222 |
| Travelers | Progressive | $2,239 |
| USAA | State Farm | $2,248 |
| Farmers | Auto-Owners | $2,295 |
| Allstate | Auto-Owners | $2,303 |
| Auto-Owners | Nationwide | $2,328 |
| Progressive | USAA | $2,373 |
| Auto-Owners | Allstate | $2,373 |
| Nationwide | Allstate | $2,375 |
| Progressive | Farmers | $2,378 |
| Travelers | USAA | $2,425 |
| Farmers | Progressive | $2,430 |
| Travelers | Farmers | $2,430 |
| Allstate | Progressive | $2,437 |
| Auto-Owners | State Farm | $2,456 |
| Nationwide | State Farm | $2,458 |
| Progressive | Nationwide | $2,486 |
| Progressive | Allstate | $2,531 |
| Travelers | Nationwide | $2,538 |
| Travelers | Allstate | $2,583 |
| Progressive | State Farm | $2,614 |
| Farmers | USAA | $2,616 |
| Allstate | USAA | $2,624 |
| Allstate | Farmers | $2,628 |
| Travelers | State Farm | $2,666 |
| Farmers | Nationwide | $2,729 |
| Allstate | Nationwide | $2,737 |
| Farmers | Allstate | $2,774 |
| Farmers | State Farm | $2,857 |
| Allstate | State Farm | $2,865 |
| USAA | Travelers | $5,420 |
| Auto-Owners | Travelers | $5,628 |
| Nationwide | Travelers | $5,630 |
| Progressive | Travelers | $5,786 |
| State Farm | Auto-Owners | $5,923 |
| Farmers | Travelers | $6,029 |
| Allstate | Travelers | $6,036 |
| State Farm | Progressive | $6,058 |
| State Farm | USAA | $6,244 |
| State Farm | Farmers | $6,249 |
| State Farm | Nationwide | $6,357 |
| State Farm | Allstate | $6,402 |
| State Farm | Travelers | $9,657 |
Should I Bundle Home and Auto Insurance in Ohio?
For Ohio drivers, bundling home and auto insurance usually costs more than buying them separately. Assess your coverage needs and financial situation to find the best option.
Individual policies cost less than bundles in Ohio
In Ohio, buying home and auto insurance separately can save you money. The cheapest annual cost without bundling is $1,686, while bundling raises it to $1,700.
Bundling makes policy management convenient
Bundling policies makes managing your insurance easier with a single account. This means less hassle and more time for you.
It might be better not to bundle in Ohio
Purchasing nonbundle insurance can help you save more money and provide more flexibility in coverage options.
Best Auto and Home Insurance in Ohio: Bottom Line
Auto-Owners, USAA and Nationwide are the top choices in Ohio for bundling home and auto insurance. However, buying policies separately typically costs less. Compare multiple quotes to find the best deal for your situation.
Home and Auto Insurance in Ohio: FAQ
Find expert answers to common Ohio home and auto insurance questions here:
Who has the best home and auto insurance in Ohio?
In Ohio, Auto-Owners offers the best and cheapest home and auto insurance, while USAA is the best option for military members. Nationwide is the top choice for coverage options.
Who has the cheapest home and auto insurance in Ohio?
Auto-Owners offers the most affordable home and auto insurance bundle in Ohio at $1,700 annually. Customers enjoy savings of $194 compared to the state average.
How much does home and auto insurance in Ohio cost on average?
Ohio's average annual premium for a home and auto insurance bundle is $2,793, around 10% lower than the national average. The cheapest bundling option costs $1,700 annually, while the highest rate is $5,187.
Is bundling home and auto insurance cheaper in Ohio?
Bundling home and auto insurance typically costs more in Ohio. While the cheapest option may seem appealing, make sure you have enough financial protection against major losses. Consider both affordability and coverage when making your decision.
Best Auto and Home Insurance Bundle in Ohio: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Ohio Department of Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Ohio
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Ohio
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils 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.