1. Home
  2. The Best Affordable Car Insurance in Ohio for 2021

Cheapest Car Insurance Companies and Quotes in Ohio

MoneyGeek assembled this list of the cheapest annual rates for collision and comprehensive coverage in Ohio. Now that you know what the average annual rates are, you can start requesting and comparing car insurance quotes. This will help ensure that you find the best rates for coverage that matches your needs.

Average Comprehensive and Collision Rates in Ohio

Many factors will affect your car insurance premium. Therefore, the average rates above are subject to change depending on the type of car you drive, your driving record and other factors. Some insurance companies also offer significant discounts and special rates for specific cases.

Compare Auto Insurance Rates

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

Insurance Rates

Cheapest Liability Car Insurance in Ohio

Liability-only car insurance covers damages and medical expenses for the other driver if you are at fault in an accident. It does not cover your vehicle or medical costs. Therefore, opting for comprehensive and collision coverage can be a good idea. In most states, there is a minimum liability requirement. Most drivers would find Erie to be the cheapest option in Ohio, both for the mandated state minimum of 25/50/25 coverage or an enhanced 50/100/50 coverage level.

Average Cost for Liability Coverage

The Best Car Insurance Companies in Ohio for 2021

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.

Expand All Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

ErieScore: 95
+

5/5

User Satisfaction

4/5

Claims Ratings

5/5

Affordability

A+

Financial Stability

3

United Farm Bureau of IN GroupScore: 92.5
+

5/5

User Satisfaction

4/5

Claims Ratings

5/5

Affordability

A

Financial Stability

4

HartfordScore: 87.5
+

4/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

Auto-Owners Insurance CoScore: 87.5
+

3/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A++

Financial Stability

6

GEICOScore: 87.5
+

3/5

User Satisfaction

2/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

7

Cincinnati Insurance CompaniesScore: 87.5
+

3/5

User Satisfaction

5/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

8

Country FinancialScore: 85
+

4/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

9

State FarmScore: 85
+

4/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A

Financial Stability

10

Farm Bureau Ins of MIScore: 82.5
+

4/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A-

Financial Stability

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

The National Association of Insurance Commissioners reported that State Farm Group serves as the largest insurance company in Ohio. The next table highlights some of the other large insurance groups in the state.

Compare Auto Insurance Rates

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

Insurance Rates

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

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 following table looks at how insurance rates for those with a DUI on their record may vary by insurance agency.

Average Car Insurance Rates With a DUI

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 With Tickets in Ohio

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 following table to see how rates vary for those with a speeding or distracted driving ticket on their record.

Average Car Insurance Rates With a Ticket

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

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 below shows how car insurance rates may be affected by bad credit.

Average Car Insurance Rates for Drivers With 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 Companies in Ohio 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 following table looks at approximate costs for this population.

Average Car Insurance Rates for Seniors

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

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 below to see what rates may look like for your teen.

Average Car Insurance Rates for Students

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

male
25 years$1,090
50 years$883
female
25 years$1,001
50 years$877

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.

Car insurance companies use your location to calculate your rate.
Explore average rates for your city.

Compare Auto Insurance Rates

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

Insurance Rates

About the Author


expert-profile

Based in Nashville, Tennessee, Katy McWhirter specializes in researching and writing about education, health, travel and history. She holds a bachelor's degree in social entrepreneurship from Belmont University and a master's degree in history from the University of York. Prior to transitioning into her current role as a writer, McWhirter worked with numerous educational institutions and nonprofit organizations. More of her work can be found at www.thenative.me.


sources