If you are an Ohio resident looking to insure your car, MoneyGeek can help you find the state’s cheapest car insurance coverage. To get you started on your search for the best policy, MoneyGeek ranked the best car insurance companies offering the cheapest rates in Ohio. These numbers may vary considerably from the quotes you receive due to numerous personal factors, like your driving history. When you compare car insurance costs from some of the most affordable providers in Ohio, you could save up to $532.
The Best Cheap Car Insurance in Ohio for 2021
The Cheapest and Best Car Insurance in Ohio
Cheapest Minimum Liability Car Insurance Companies and Quotes in Ohio
Liability-only coverage pays for the other driver’s medical expenses and vehicle damages in an at-fault accident but provides no protection for your own costs. If you want a higher level of coverage, you can opt for comprehensive and collision coverage.
The cheapest car insurance companies in Ohio for minimum coverage are:
- USAA: $238 per year (serves only former and current military members)
- Erie: $274 per year
The most expensive car insurance for minimum coverage is Esurance, costing an average of $809 per year.
Average Cost for Minimun Liability Coverage
These prices are only estimates based on rates for an average Ohio driver and should not be used to compare insurance prices.
A minimum coverage policy in Ohio only covers bodily injury and property damage liability insurance. You should buy a full coverage plan if you want protection against the costs of damages to your own car, or want to increase the amount of liability coverage.
Cheapest Full Coverage Car Insurance in Ohio
A full coverage package with higher liability limits and comprehensive and collision insurance can ensure you’re protected against most road accidents and off-road incidents in Ohio. It will cost more than minimum coverage, but it provides coverage for damages to your car, not just the other driver’s vehicle. To minimize your premiums, you can compare car insurance quotes from multiple companies.
The least expensive car insurance companies in Ohio for full coverage are:
- USAA: $507 per year (only available for military members, veterans and their families)
- GEICO: $572 per year
Esurance presents the costliest full coverage insurance package in Ohio, with an average yearly price point of $1,039.
Average Comprehensive and Collision Rates in Ohio
Please note that your individual premiums will be different than these examples. Costs are for a policy with comprehensive and collision insurance, $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.
The Best Car Insurance Companies in Ohio for 2021
Based on MoneyGeek’s data, the best car insurance companies in Ohio for most drivers are:
- Best Overall: Erie
- Runner-up: The Hartford
USAA received the highest score in Ohio by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The data below shows MoneyGeek’s ranking of Ohio’s best car insurance companies based on affordable rates, customer service and claims experience. With all these criteria considered, MoneyGeek gave each insurance company an overall score out of 100.
The rankings rely on unique pricing information and data from industry-standard ratings and reviews by J.D. Power and AM Best. Both are well-known names in the car insurance industry, tracking customer satisfaction and the ability to pay claims.
USAA offers services only to current and former military personnel and their families. It ranks as the best car insurance provider in Ohio, with maximum marks for user satisfaction, claims ratings and affordability.
USAA ranks consistently as one of the cheapest and best insurance companies in the U.S., and it’s the cheapest carrier in Ohio too. If your parents are also USAA policyholders, you may be eligible for even more savings, as the provider rewards drivers with discounts if families remain loyal.Read MoneyGeek's USAA auto Insurance Review
Erie is the second-best car insurer in Ohio, according to MoneyGeek’s research. This provider gets impressive scores for customer satisfaction and affordability.
Erie offers a range of excellent features to Ohio drivers, including personal item coverage, which provides protection for items inside the car. Its optional Rate Lock feature guarantees your rates will remain unchanged each year if you don't alter your policy. You can qualify for automatic accident forgiveness after three years as a customer.Read MoneyGeek's Erie auto Insurance Review
While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.
List of the Largest Insurance Companies in Ohio
The three largest insurers in Ohio in terms of market share are State Farm (18.7%), Progressive (14.8%) and Allstate (10.4%). Market share is the number of premiums written by an insurance company divided by the total number of premiums written in the state.
You may want to buy your policy from a large insurer, as they will likely be more financially stable and can pay your claim without difficulty. In this way, a big and established company provides more security to consumers.
- CompanyMarket Share
How to Compare Cheap Ohio Car Insurance Quotes Online
Most car insurance companies allow you to get a reasonably accurate quote on their website. To compare quotes correctly, you should use consistent limits. For example, if you get a quote from one provider for $100,000 in bodily injury liability insurance, you should use the same number when comparing quotes from another insurer.
Enter your ZIP code below to compare prices or use MoneyGeek’s pricing data as a suggestion to find suitable insurer websites. USAA, Erie and GEICO are the three least expensive car insurance carriers in Ohio, and you can begin your policy search with these firms.
What Is the Average Cost of Car Insurance in Ohio?
To help you analyze car insurance rates in the state of Ohio, MoneyGeek created a profile of the average Ohio driver: a 40-year-old man driving a Toyota Camry with no history of traffic violations.
When seeking the cheapest car insurance, your personal background and driving history will play important roles in determining your premiums. For instance, a DUI can significantly increase your insurance costs, while a student driver with good grades might get a discount.
- Average Driver: $803
- DUI: $1,275
- Speeding Ticket: $1,007
- Poor Credit Score: $1,337
- Seniors: $863
- Students: $1,750
Cheapest Car Insurance for Drivers With a DUI in Ohio
Ohio drivers with a severe driving violation in their history, such as a DUI, are riskier for insurers to cover and will pay higher rates as a result. In this state, a driver with a recorded DUI needs to pay $1,275 per year on average for car insurance, compared to $803 for the average driver with a clean record.
The cheapest car insurance companies in Ohio for a driver with a DUI and full coverage are:
- American Family: $690 per year
- State Farm: $743 per year
Although GEICO is the second-cheapest insurer for full coverage with a clean record, American Family has lower rates for those with a DUI.
Average Car Insurance Rates With a DUI
Finding cheap car insurance with a DUI in Ohio is not easy given that the state takes these types of infractions seriously. Individuals convicted of driving under the influence face jail time, fines and license suspension – not to mention higher insurance rates. The cost of driving while intoxicated goes far beyond insurance. The Centers for Disease Control and Prevention found that 3,190 people in Ohio were killed by a drunk driver between 2009-2018. 1.9% of drivers in Ohio report driving after drinking too much within the past 30 days. Getting behind the wheel requires clarity and focus, two skills that are impaired by alcohol. The above table looks at how insurance rates for those with a DUI on their record may vary by insurance agency.
Ohio uses OVI (operating a vehicle under the influence) or OVAUC (operating a vehicle after underage consumption) rather than DUI, but the charge remains the same. Those convicted of an OVI receive six points against their license, which stay on their record for three years. The conviction itself stays on their record for life. Drivers can take a remedial driving course and retake a driver license exam to help lower their insurance rates.
Cheapest Car Insurance for Drivers With Tickets in Ohio
A driver with even a minor driving violation like a ticket will pay higher insurance rates than those with a clean record. In Ohio, a driver with a speeding ticket on their record needs to shell out an average amount of $1,007 per year for their auto insurance, roughly $204 more than a driver with no violations.
The most affordable car insurance providers in Ohio for a driver with a speeding ticket and full coverage are:
- USAA: $628 per year (only available for military members, veterans and their families)
- Erie: $644 per year
GEICO presents cheaper full coverage packages for drivers with a clean record, while Erie’s rates are lower for those with a speeding ticket.
Average Car Insurance Rates With a Ticket
Getting cheap car insurance with a ticket in Ohio may seem more difficult due to points on a driver’s record. The state saw 996 fatal crashes in 2018 caused by distracted driving. Driving while trying to play music on your phone, catch up with an old friend, or brush your hair may seem like harmless multi-tasking, but your car insurance rates can rise precipitously if you are caught distracted driving. Review the above table to see how rates vary for those with a speeding or distracted driving ticket on their record.
If an Ohio driver receives a ticket, this counts as points against their license. Receiving more than 12 points during a two-year period results in license suspension. Once every three years, drivers can participate in a remedial driving course and have two points removed from their license.
Cheapest Car Insurance Companies in Ohio for Drivers With Bad Credit
Your credit score plays an important role in determining your insurance rates. Drivers with poor credit scores in Ohio will pay higher premiums than those with good credit scores. Ohio drivers with a bad credit score pay an average of $1,337 per year for their auto insurance coverage, $534 more than a typical driver pays.
The least expensive car insurers in Ohio for a driver with poor credit and full coverage are:
- GEICO: $806 per year
- USAA: $861 per year (only available for military members, veterans and their families)
These two providers (in reverse order) also offer the cheapest full coverage insurance options for drivers with good credit in Ohio.
Average Car Insurance Rates for Drivers With Bad Credit
Ohio maintained an average credit score of 705 in 2019. While this score is great for getting the best and cheapest car insurance in Ohio, not everyone’s credit score is as high. Agencies review credit scores when assessing the risk of insuring a new client. A low credit score can indicate issues around debt deferment, delinquent accounts, or high debt-to-income ratios. The table above shows how car insurance rates may be affected by bad credit.
Poor credit scores can impact your ability to get cheap insurance, secure loans, or buy a house. Fortunately, improving your credit score can be done with a little patience and commitment.
Cheapest Car Insurance in Ohio for Seniors
Senior drivers in Ohio tend to pay slightly more than young adults and middle-aged drivers. The average cost of car insurance for senior drivers in Ohio is $863 per year, roughly $60 more than 40-year-old drivers pay for similar coverage.
The cheapest car insurance companies in Ohio for senior drivers with full coverage are:
- USAA: $557 per year (only available for military members, veterans and their families)
- Erie: $639 per year
GEICO’s full coverage rates are lower for the average adult driver, while Erie offers lower prices for senior drivers.
Average Car Insurance Rates for Seniors
Drivers aged 65 and older can sometimes face unique factors when shopping for car insurance, but adjusting for life changes can help them find the best rates. Ask your insurance agency to personalize a quote based on your driving record, age and the amount of driving you currently do – all of these factors can help lower rates. While Ohio seniors accounted for 15.9% of the fatal auto crashes in the state in 2017, the majority of older individuals are safe and alert behind the wheel. The above table looks at approximate costs for this population.
Senior drivers in Ohio are required to renew their licenses in person every four years and pass a vision test. Taking the time to shop around and find discounts can help seniors drivers find affordable car insurance.
Cheapest Car Insurance for Students in Ohio
Young student drivers in Ohio pay far more than adult drivers because of their inexperience. In Oho, a student driver needs to pay an average annual cost of $1,750 for their car insurance, more than double the average amount paid by a typical driver.
The most affordable auto insurance providers in Ohio for student drivers with full coverage are:
- GEICO: $1,468 per year
- Allstate: $1,487 per year
Meanwhile, Nationwide has the most expensive average premium for student drivers in Ohio, at $2,105 per year.
Average Car Insurance Rates for Students
As the parent or guardian, you are responsible for your teen driver in Ohio. Since the rates for young, inexperienced drivers are inevitably higher, the Ohio Department of Insurance suggests comparison shopping for coverage and raising your deductible to get a lower premium.
Ohio crashes related to teens totaled 223,005 between 2015 and 2021, leading some auto insurance companies to view this population as high risk. The best way to reduce insurance rates over time is to ensure your child maintains a clean driving record, gets good grades at school and continues practicing safe driving habits. Check out the table above to see what rates may look like for your teen.
Insurance Rate Information for Military Drivers and Veterans
The more than 61,000 active, reserve and civilian military personnel and 860,000+ veterans in Ohio should shop for discounts on auto insurance prior to buying a policy. Before calling insurance companies or asking for quotes online, get all your financial records together and determine how much insurance coverage you need.
Ohio military residents who are currently in-state must follow the normal vehicle registration process that applies to everyone. Non-resident military members in Ohio are not required to register their vehicles so long as there is a valid registration from another state. Records and registration renewals through the Ohio Bureau of Motor Vehicles can be completed online.
Average Rates for Ohio service members
Car Insurance in Ohio: What You Need to Know
Anyone with a vehicle registered in Ohio must have proof of insurance to drive legally on state roads.
Proof of Insurance in Ohio
Registering a vehicle in Ohio requires proof of insurance, which can be on an insurance card or an electronic device. Proof of insurance is also required:
- After a car crash that causes injury, death or property damage greater than $400
- When a police officer asks for it at a traffic stop
The BMV also selects 5% of registered vehicle owners each year to provide proof of insurance. If you receive such a letter, you have 21 days to reply.
Minimum Liability Insurance Requirements in Ohio
Ohio drivers are required to carry at least these minimum levels of liability coverage:
- $25,000 for injuries per person
- $50,000 for injuries per accident
- $25,000 for property damage
How Much Coverage Do You Need in Ohio?
You may want to consider buying more auto insurance coverage than the state requires. Because more than 10% of Ohio drivers lack insurance, having extra coverage can help pay for repairs and medical expenses if the other driver is at fault.
Among the other types of coverage in Ohio are collision insurance (which pays for repair or replacement of your car if it's in an accident) and comprehensive (which covers theft, fire, natural disasters and more). Lenders usually require you to carry both types to secure a car loan on a new vehicle.
Uninsured and underinsured motorist coverage will kick in if a driver without sufficient insurance hits your car or if you’re the victim of a hit-and-run. Experts also suggest you get liability insurance of $100,000 or more per injury and $300,000 per accident, according to the Insurance Information Institute.
Average Insurance Rate by City in Ohio
FAQs About Car Insurance in Ohio
To help you make an educated choice, here are the answers to some frequently asked queries about car insurance coverage and premiums in Ohio.
Expert Advice: Finding Affordable Car Insurance in Ohio
- What are the key factors drivers in Ohio should look for when searching for the best auto insurance coverage?
- What steps can drivers in Ohio take to find affordable car insurance?
Assistant Professor of Finance at Ohio Northern University
About the Author
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- Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving State Fact Sheets." Accessed December 28, 2020.
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- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed March 17, 2020.
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- Ohio State Highway Patrol. "Crash Statistics." Accessed March 17, 2020.
- United States Census Bureau. "Veteran Statistics, Ohio." Accessed March 17, 2020.