The Cheapest Car Insurance in Ohio for 2022

Erie offers the cheapest car insurance in Ohio at roughly $271 annually for minimum coverage.

To identify the most affordable companies, MoneyGeek gathered car insurance quotes in Ohio based on driver profiles. GEICO is the least expensive insurer for young drivers in the state, while American Family is the cheapest insurer for drivers with DUIs. By shopping around for the best insurance rates, drivers can save around $525 annually on car insurance.

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Last Updated: 12/1/2022
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If you are looking for more specific rates, we broke down the cheapest companies by city in Ohio. MoneyGeek also found the best car insurance companies in Ohio for those looking to balance quality service and cost.

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Methodology

Why Trust MoneyGeek? Ohio car insurance rates in this study are based on our analysis of data and information from the Ohio Department of Insurance and Quadrant Information Services.

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These rates were updated in August 2022 to reflect how car insurance rates in Ohio have changed up to this month.

3,312

Quotes Analyzed

 
9

Companies Compared

 
23

ZIP Codes

Cheapest Minimum Liability Car Insurance in Ohio

Liability-only insurance pays for the other driver’s medical expenses and vehicle damages in an at-fault accident, but it provides no protection for your own costs. If you want a higher level of coverage, you can opt for comprehensive and collision coverage.

On average, the cheapest car insurance companies for minimum coverage in Ohio are:

  • Erie: $271 per year
  • GEICO: $327 per year

If you or a family member are in the military, you qualify for USAA coverage, which averages just $235 per year. The most expensive car insurance for minimum coverage is Esurance, costing an average of $799 per year.

CHEAPEST MINIMUM CAR INSURANCE IN OHIO

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These prices are only estimates based on rates for an average Ohio driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Ohio

A full coverage policy 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 save money on your premiums, you can compare car insurance quotes from multiple companies.

The least expensive full coverage car insurance companies in Ohio are, on average:

  • GEICO: $565 per year
  • Erie: $610 per year

For military personnel and their families, USAA's $500 average annual rate is likely the most affordable full coverage option in Ohio. Esurance has the costliest full coverage insurance in Ohio, with an average yearly price point of $1,026.

CHEAPEST FULL COVERAGE CAR INSURANCE IN OHIO

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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.

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.

If you want a car insurance quote estimate, you can use MoneyGeek’s car insurance calculator. For a personalized quote, you will need to enter more specific personal information or use MoneyGeek’s pricing data as a suggestion to find suitable insurer websites. Erie and GEICO are the two least expensive car insurance carriers in Ohio, and you can begin your policy search with these firms.

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Cheapest Car Insurance in Ohio for Young Drivers

Car insurance rates in Ohio vary depending on the age of the driver. Young drivers are a high-risk category, so their premiums are much more expensive. On average, it costs $1,831 yearly to insure a 16-year-old, while the cost for a 25-year-old is $823 per year.

With the exception of Allstate (which is the best option for 16 and 20-year-olds), GEICO is the cheapest car insurance company for most young drivers in Ohio.

ANNUAL CAR INSURANCE IN OHIO FOR YOUNG DRIVERS

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $1,831
    Allstate
    $1,507
  • $1,732
    GEICO
    $1,386
  • $1,624
    GEICO
    $1,273
  • $1,807
    GEICO
    $1,395
  • $1,587
    Allstate
    $1,224
  • $1,174
    GEICO
    $949
  • $1,075
    GEICO
    $851
  • $983
    GEICO
    $756
  • $921
    GEICO
    $715
  • $823
    GEICO
    $699

Young drivers tend to pay more for car insurance than middle-aged ones due to their lack of driving experience. These drivers should ask their insurers for discounts or try to get added to their parent’s policy to save money.

Between drivers of different age groups, a 25-year-old driver pays $808 less per year than a 16-year-old driver. Since the rates for young, inexperienced drivers are inevitably higher, comparison shopping for coverage can also help you get the best rates.

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 $852 per year, which is roughly $59 more than 40-year-old drivers pay for similar coverage.

The cheapest average car insurance companies in Ohio for senior drivers with full coverage are:

  • Erie: $630 per year
  • State Farm: $657 per year

If you or a family member are in the military, USAA's offer of $550 per year on average is likely the most affordable option. Esurance is the most expensive option at roughly $1,279 annually.

CHEAPEST CAR INSURANCE RATES FOR SENIORS

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Drivers 65 and older can face unique factors when shopping for car insurance. Ask your insurance agency to personalize a quote based on your driving record, age and the amount of driving you currently do. These factors can help lower your rates.

Taking the time to shop around and find discounts can help seniors drivers find affordable car insurance. Between Erie and Esurance, rates can differ by as much as $649. This translates to savings.

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 one with a clean record. In Ohio, a driver with a speeding ticket on their record needs to shell out an average amount of $994 per year for their auto insurance, which is roughly $201 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:

  • Erie: $636 per year
  • American Family: $681 per year

If you have a military affiliation, USAA's offering of $620 per year on average is the cheapest policy for Ohio drivers with tickets. Esurance is the most expensive insurer at roughly $1,398 annually.

AVERAGE CAR INSURANCE RATES WITH A TICKET

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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 for Drivers With a DUI in Ohio

In Ohio, a driver with a recorded DUI could pay $1,259 per year on average for car insurance, compared to $793 for the average driver with a clean record.

The cheapest average car insurance companies for drivers with a DUI and full coverage in Ohio are:

  • American Family: $681 per year
  • State Farm: $733 per year

Esurance is the most expensive option, at an average annual rate of $1,714.

AVERAGE CAR INSURANCE RATES WITH A DUI

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Finding cheap car insurance with a DUI in Ohio is not easy since the state takes these types of infractions seriously. Individuals convicted of driving under the influence face jail time, fines and license suspension in addition to higher insurance rates.

Insurance rates for those with a DUI on their record can vary by the insurance agency. By shopping around, drivers could save up to $1,033 per year.

Cheapest in Ohio for Drivers With an At-Fault Accident

Drivers with violations in Ohio, such as an at-fault accident, will typically pay more for car insurance. On average, a driver in Ohio with an at-fault accident on their record will pay $1,200 yearly.

The cheapest average car insurance companies in Ohio for drivers with an at-fault accident are:

  • American Family: $681 per year
  • Erie: $788 per year

For current and former military members in Ohio, USAA is also one of the cheapest car insurance options in this category at $755 yearly. At roughly $1,829 annually, Esurance is the most expensive option.

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT

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Cheapest Car Insurance 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 $1,283 per year for their auto insurance coverage, which is $480 more than a typical driver pays.

On average, the least expensive car insurers for a driver with poor credit and full coverage in Ohio are:

  • GEICO: $796 per year
  • Nationwide: $1,060 per year

For military families, USAA offers a competitive rate for Ohio drivers with bad credit, averaging $850 per year. At around $1,637 per year, Esurance is the most expensive option.

CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT

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A low credit score can indicate issues around debt deferment, delinquent accounts or high debt-to-income ratios. Poor credit scores can impact your ability to get cheap insurance. Fortunately, improving your credit score can be done with a little patience and commitment.

Choosing providers that offer policies if you have bad credit is one way to save money. For example, choosing GEICO over Esurance could save you as much as $841 per year.

Cheapest Car Insurance in Ohio for Military Drivers

If you are looking for car insurance for military members, USAA is a fantastic place to start. It has the lowest average rates in Ohio. In fact, USAA is around $36 more affordable than the next cheapest option in the state

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MoneyGeek Top Pick
USAA
  • Average rate: $235 per year
  • Ranks the cheapest out of 11 insurers

If you are a member of the military or a veteran, you could be eligible for a discount with USAA, Ohio’s most affordable vehicle insurance provider. With an average annual premium of $235, USAA caters specifically to military families. It offers special discounts and benefits tailored to their specific requirements. From insurance bundling policies and registering in a loyalty program to military discounts and coverage for multiple vehicles, USAA makes saving money on auto insurance simple.

Cheapest Car Insurance in Ohio by City

Car insurance rates in Ohio vary from city to city because of location-specific risk factors like traffic density and rates of car thefts, among others. The most expensive city for car insurance in Ohio is Toledo at $837 yearly while Akron is the cheapest at $724 per year. These rates are based on a full coverage policy.

To find out the average car insurance rates in your location, click on your city.

AVERAGE INSURANCE RATE BY CITY IN OHIO

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Car Insurance in Ohio: What You Need to Know

In Ohio, if you want to drive legally, you’ll need proof of insurance that meets the minimum levels of liability coverage required by the state.

Ohio Insurance Requirements

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 or when a police officer asks for it at a traffic stop.

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

You may want to consider buying more auto insurance coverage than the state requires. Since 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.

In Ohio, you can get collision insurance (which pays for repair or replacement of your car if it's in an accident) and comprehensive coverage (which covers theft, fire, natural disasters and more). Though these coverages are usually optional, adding them to your policy means you will not have to worry about large out-of-pocket expenses in case of accidents.

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.

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 on Finding Cheap Car Insurance in Ohio

To help you find credible and accurate insight on car insurance in Ohio, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Ohio should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Ohio take to find affordable car insurance?
  3. How does the Ohio Department of Insurance act as a resource for consumers in regard to auto insurance?
  4. How do regulations and rules in Ohio impact insurance pricing and how consumers might shop for coverage?
  5. What resources does the Ohio Department of Insurance have for consumers?
Derek-Dion Lee
Derek-Dion Lee

Assistant Professor of Finance at Ohio Northern University

Roc Starks
Roc Starks

Associate Teaching Professor at Bowling Green State University, CIC, CRM, ARM, MBA

P.J. Miller
P.J. Miller

Partner & Independent Insurance Agent at Wallace & Turner Insurance

Nate Roadman
Nate Roadman

President at Reed, Wertz & Roadman, Inc.

Eric Fisher
Eric Fisher

Agency Owner, AINS

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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