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State Farm is the cheapest auto insurer in Ohio for minimum coverage. American Family and Nationwide are also the most affordable insurer for certain types of drivers in the state.

If you are looking to balance cost and quality service, look for the best car insurance in Ohio.

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2023

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Cheapest Minimum Liability Car Insurance in Ohio (November 2023)

On average, the following companies may provide the most affordable minimum coverage auto insurance policies:

  • State Farm: $208 per year
  • Nationwide: $226 per year

Opting for Allstate may cost around $525, which can be the priciest coverage in the state, based on the companies MoneyGeek assessed.

Ohio law only requires you to get bodily injury liability and property damage liability coverage.

Company
Annual Premium
Monthly Premium

State Farm

$208

$17

Nationwide

$218

$18

Nationwide

$226

$19

American Family

$253

$21

American Family

$254

$21

Auto-Owners Insurance Co

$255

$21

Auto-Owners Insurance Co

$258

$22

Progressive

$260

$22

American Family

$264

$22

State Farm

$276

$23

Nationwide

$280

$23

Progressive

$281

$23

Erie

$284

$24

Erie

$293

$24

Grange Insurance

$324

$27

GEICO

$332

$28

Grange Insurance

$340

$28

Westfield

$348

$29

Progressive

$352

$29

State Farm

$357

$30

Erie

$367

$31

Auto-Owners Insurance Co

$367

$31

Westfield

$379

$32

Travelers

$380

$32

Grange Insurance

$381

$32

Farmers

$390

$32

GEICO

$393

$33

Farmers

$402

$34

Westfield

$405

$34

Travelers

$414

$34

Cincinnati Insurance

$420

$35

Cincinnati Insurance

$437

$36

Travelers

$439

$37

GEICO

$446

$37

Nationwide

$448

$37

American Family

$459

$38

Farmers

$460

$38

Nationwide

$485

$40

American Family

$492

$41

American Family

$511

$43

Cincinnati Insurance

$518

$43

Allstate

$525

$44

State Farm

$552

$46

Allstate

$555

$46

Nationwide

$582

$48

Auto-Owners Insurance Co

$610

$51

Allstate

$625

$52

Auto-Owners Insurance Co

$639

$53

GEICO

$645

$54

State Farm

$679

$57

Grange Insurance

$696

$58

Grange Insurance

$713

$59

GEICO

$715

$60

Farmers

$746

$62

Erie

$749

$62

Erie

$767

$64

Farmers

$787

$66

Travelers

$812

$68

Travelers

$814

$68

Progressive

$825

$69

Cincinnati Insurance

$853

$71

Grange Insurance

$865

$72

Allstate

$878

$73

Allstate

$887

$74

Westfield

$900

$75

Progressive

$907

$76

GEICO

$917

$76

Auto-Owners Insurance Co

$922

$77

Cincinnati Insurance

$925

$77

Westfield

$933

$78

Farmers

$945

$79

Erie

$963

$80

State Farm

$965

$80

Travelers

$978

$82

Allstate

$1,122

$93

Cincinnati Insurance

$1,122

$94

Progressive

$1,175

$98

Westfield

$1,175

$98

A minimum coverage policy only covers damages or injuries you inflict on others, whereas a full coverage policy with comprehensive and collision coverage covers the cost of damages to your car. That provides you with a much greater level of financial protection in case of an at-fault accident.

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Cheapest Full Coverage Car Insurance in Ohio (November 2023)

MoneyGeek’s research found that the cheapest car insurers for a full coverage policy are, on average:

  • Nationwide: $485 per year
  • American Family: $492 per year

Westfield is the most expensive option, at approximately $933 per year.

In general, full coverage car insurance costs more than minimum coverage. For example, a full coverage policy with Nationwide costs around $259 more annually than a minimum coverage policy.

Remember, a full coverage auto insurance policy can protect you financially from both on-road and off-road damages.

Company
Annual Premium
Monthly Premium

State Farm

$208

$17

Nationwide

$218

$18

Nationwide

$226

$19

American Family

$253

$21

American Family

$254

$21

Auto-Owners Insurance Co

$255

$21

Auto-Owners Insurance Co

$258

$22

Progressive

$260

$22

American Family

$264

$22

State Farm

$276

$23

Nationwide

$280

$23

Progressive

$281

$23

Erie

$284

$24

Erie

$293

$24

Grange Insurance

$324

$27

GEICO

$332

$28

Grange Insurance

$340

$28

Westfield

$348

$29

Progressive

$352

$29

State Farm

$357

$30

Erie

$367

$31

Auto-Owners Insurance Co

$367

$31

Westfield

$379

$32

Travelers

$380

$32

Grange Insurance

$381

$32

Farmers

$390

$32

GEICO

$393

$33

Farmers

$402

$34

Westfield

$405

$34

Travelers

$414

$34

Cincinnati Insurance

$420

$35

Cincinnati Insurance

$437

$36

Travelers

$439

$37

GEICO

$446

$37

Nationwide

$448

$37

American Family

$459

$38

Farmers

$460

$38

Nationwide

$485

$40

American Family

$492

$41

American Family

$511

$43

Cincinnati Insurance

$518

$43

Allstate

$525

$44

State Farm

$552

$46

Allstate

$555

$46

Nationwide

$582

$48

Auto-Owners Insurance Co

$610

$51

Allstate

$625

$52

Auto-Owners Insurance Co

$639

$53

GEICO

$645

$54

State Farm

$679

$57

Grange Insurance

$696

$58

Grange Insurance

$713

$59

GEICO

$715

$60

Farmers

$746

$62

Erie

$749

$62

Erie

$767

$64

Farmers

$787

$66

Travelers

$812

$68

Travelers

$814

$68

Progressive

$825

$69

Cincinnati Insurance

$853

$71

Grange Insurance

$865

$72

Allstate

$878

$73

Allstate

$887

$74

Westfield

$900

$75

Progressive

$907

$76

GEICO

$917

$76

Auto-Owners Insurance Co

$922

$77

Cincinnati Insurance

$925

$77

Westfield

$933

$78

Farmers

$945

$79

Erie

$963

$80

State Farm

$965

$80

Travelers

$978

$82

Allstate

$1,122

$93

Cincinnati Insurance

$1,122

$94

Progressive

$1,175

$98

Westfield

$1,175

$98

The amount of car insurance you need determines your rates. MoneyGeek’s sample full coverage policy includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

If you want to save money, you can lower your liability limits, raise your deductible or drop comprehensive and collision coverage. However, this can lead to insufficient coverage in case of an accident.

How to Compare Cheap Ohio Car Insurance Quotes Online

It's easy to get a car insurance quote online, but it takes about 15 minutes to complete the process. You also have to compare quotes across multiple websites to find the one that suits your needs and budget, which makes it more time-consuming.

MoneyGeek’s car insurance calculator quickly gives you an estimate without asking for sensitive information. This can be helpful if you’re not sure how much car insurance will cost, and it gives you a starting point for your research.

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Cheapest Car Insurance in Ohio by Age (November 2023)

Age is one of the biggest factors affecting car insurance rates in Ohio. MoneyGeek found that Nationwide and American Family offer the cheapest options on average, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Nationwide
Cheapest for young adults: American Family
Cheapest for seniors: Nationwide

Cheapest Car Insurance in Ohio for Teens and Their Families (November 2023)

On average, we discovered that the most affordable car insurance companies for teens on their parent’s policy include:

  • Nationwide: $1,042 per year for male teens and $895 per year for female teens
  • GEICO: $1,640 per year for male teens and $1,534 per year for female teens

State Farm has the most expensive coverage for teens on their parent’s policy, at around $9,901 for male teens and $7,736 for female teens.

Like anywhere else in the U.S., Ohio's teens also have a decreasing car insurance rate as they age. Rates for 19-year-olds are better than younger teens as they have more driving experience. Ohio's 19-year-old males can get the lowest quotes from Nationwide ($961 per year).

In general, it’s cheaper for teens to be added to their parent’s policy vs. getting their own coverage. Plus, in most cases, it is illegal for a teen under 18 to purchase auto insurance without a parent or guardian's consent to co-sign. In Ohio, male teens may save around $2,527 by getting added to their parent’s insurance policy rather than getting their own.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Nationwide

$468

$827

Nationwide

$481

$968

Nationwide

$506

$660

Nationwide

$507

$605

Nationwide

$572

$682

Nationwide

$603

$787

Nationwide

$609

$727

Nationwide

$642

$838

Nationwide

$648

$773

Travelers

$662

$866

Nationwide

$688

$897

Travelers

$689

$908

Nationwide

$709

$1,252

Travelers

$750

$981

Travelers

$776

$1,015

Nationwide

$779

$1,566

Travelers

$794

$1,046

Allstate

$800

$2,501

Allstate

$800

$2,501

GEICO

$800

$1,138

GEICO

$807

$831

Travelers

$815

$1,195

GEICO

$819

$1,044

GEICO

$828

$853

Nationwide

$831

$1,467

Travelers

$833

$1,089

GEICO

$833

$771

Nationwide

$840

$1,743

GEICO

$847

$784

Travelers

$858

$1,130

Farmers

$866

$856

Auto-Owners Insurance Co

$866

$823

Farmers

$871

$903

GEICO

$872

$898

Nationwide

$895

$1,858

Nationwide

$895

$1,858

Auto-Owners Insurance Co

$898

$826

GEICO

$900

$833

Auto-Owners Insurance Co

$934

$887

Farmers

$938

$1,342

Auto-Owners Insurance Co

$948

$872

Travelers

$949

$1,408

Travelers

$953

$1,256

Nationwide

$961

$1,934

Travelers

$962

$1,412

Nationwide

$976

$2,263

GEICO

$989

$1,019

Auto-Owners Insurance Co

$1,008

$927

Allstate

$1,013

$1,337

Allstate

$1,013

$1,337

GEICO

$1,014

$939

Farmers

$1,015

$1,495

Travelers

$1,019

$2,082

GEICO

$1,027

$1,460

Auto-Owners Insurance Co

$1,030

$979

GEICO

$1,033

$2,092

Auto-Owners Insurance Co

$1,038

$1,237

GEICO

$1,039

$2,221

Nationwide

$1,042

$2,416

Nationwide

$1,042

$2,416

GEICO

$1,076

$1,371

Allstate

$1,085

$1,079

Allstate

$1,085

$1,079

Allstate

$1,086

$3,397

Allstate

$1,086

$3,397

Auto-Owners Insurance Co

$1,093

$1,006

Farmers

$1,098

$4,010

Auto-Owners Insurance Co

$1,124

$1,082

Travelers

$1,129

$1,655

Allstate

$1,129

$1,123

Allstate

$1,129

$1,123

Progressive

$1,135

$1,262

Travelers

$1,141

$1,692

Farmers

$1,146

$1,133

Progressive

$1,155

$949

GEICO

$1,159

$1,648

Auto-Owners Insurance Co

$1,164

$1,106

Farmers

$1,164

$4,314

Farmers

$1,168

$1,211

Farmers

$1,171

$1,158

Allstate

$1,180

$1,174

Allstate

$1,180

$1,174

GEICO

$1,188

$2,540

Progressive

$1,188

$917

Auto-Owners Insurance Co

$1,197

$1,427

GEICO

$1,199

$2,429

Allstate

$1,204

$1,590

Allstate

$1,204

$1,590

GEICO

$1,213

$1,546

Auto-Owners Insurance Co

$1,224

$1,178

Farmers

$1,228

$1,274

Farmers

$1,231

$1,762

Allstate

$1,237

$1,230

Allstate

$1,237

$1,230

Travelers

$1,250

$2,593

Farmers

$1,253

$1,239

Travelers

$1,271

$2,599

Farmers

$1,276

$4,656

Progressive

$1,302

$1,070

Progressive

$1,307

$1,510

Farmers

$1,313

$1,933

Progressive

$1,315

$1,015

Farmers

$1,333

$1,382

Allstate

$1,339

$1,768

Allstate

$1,339

$1,768

Farmers

$1,344

$4,979

Auto-Owners Insurance Co

$1,360

$1,309

Travelers

$1,365

$2,024

Auto-Owners Insurance Co

$1,369

$1,632

Progressive

$1,401

$1,082

Farmers

$1,404

$2,009

Progressive

$1,440

$1,184

Farmers

$1,481

$2,181

Progressive

$1,506

$1,162

GEICO

$1,534

$3,279

Progressive

$1,567

$3,204

Progressive

$1,578

$1,755

Auto-Owners Insurance Co

$1,588

$1,472

Travelers

$1,589

$3,297

Progressive

$1,605

$1,319

GEICO

$1,640

$3,322

Auto-Owners Insurance Co

$1,653

$1,889

Travelers

$1,708

$3,490

Allstate

$1,740

$5,442

Allstate

$1,740

$5,442

Auto-Owners Insurance Co

$1,754

$1,626

Progressive

$1,765

$2,040

Progressive

$1,783

$3,646

Progressive

$1,790

$3,638

Progressive

$1,814

$2,017

Farmers

$1,844

$6,730

Progressive

$1,873

$3,830

Auto-Owners Insurance Co

$1,889

$2,158

Farmers

$1,924

$7,130

Auto-Owners Insurance Co

$1,949

$1,808

Progressive

$1,986

$4,036

Progressive

$2,037

$2,354

Progressive

$2,089

$4,246

Auto-Owners Insurance Co

$2,106

$2,406

Travelers

$2,185

$4,532

State Farm

$3,158

$3,298

State Farm

$3,563

$3,721

State Farm

$3,564

$3,722

State Farm

$3,949

$4,125

State Farm

$4,082

$4,263

State Farm

$4,281

$5,135

State Farm

$4,478

$4,677

State Farm

$4,605

$4,809

State Farm

$4,995

$5,993

State Farm

$5,229

$6,232

State Farm

$5,305

$5,540

State Farm

$5,710

$6,850

State Farm

$5,798

$7,936

State Farm

$6,230

$7,425

State Farm

$6,707

$9,179

State Farm

$7,233

$8,621

State Farm

$7,421

$10,003

State Farm

$7,736

$10,588

State Farm

$8,604

$11,598

State Farm

$9,901

$13,347

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families can save on car insurance by taking advantage of special discounts offered by some companies to teenagers. Allstate, Auto-Owners, Farmers, Progressive, State Farm and Travelers offer good student and distant student discounts. Nationwide and GEICO both offer good student discounts.

Cheapest Car Insurance in Ohio for Young Adults (November 2023)

On average, we found that the lowest car insurance rates for drivers in their 20s in Ohio are offered by:

  • American Family: $511 per year
  • Nationwide: $582 per year

Westfield may have the highest average policy cost for young drivers in Ohio at roughly $1,175.

Premiums for young drivers can be more expensive than those for middle-aged drivers due to higher accident frequency. For example, policies from American Family cost around $19 more per year for young drivers vs. middle-aged drivers.

Company
Annual Premium
Monthly Premium

State Farm

$208

$17

Nationwide

$218

$18

Nationwide

$226

$19

American Family

$253

$21

American Family

$254

$21

Auto-Owners Insurance Co

$255

$21

Auto-Owners Insurance Co

$258

$22

Progressive

$260

$22

American Family

$264

$22

State Farm

$276

$23

Nationwide

$280

$23

Progressive

$281

$23

Erie

$284

$24

Erie

$293

$24

Grange Insurance

$324

$27

GEICO

$332

$28

Grange Insurance

$340

$28

Westfield

$348

$29

Progressive

$352

$29

State Farm

$357

$30

Erie

$367

$31

Auto-Owners Insurance Co

$367

$31

Westfield

$379

$32

Travelers

$380

$32

Grange Insurance

$381

$32

Farmers

$390

$32

GEICO

$393

$33

Farmers

$402

$34

Westfield

$405

$34

Travelers

$414

$34

Cincinnati Insurance

$420

$35

Cincinnati Insurance

$437

$36

Travelers

$439

$37

GEICO

$446

$37

Nationwide

$448

$37

American Family

$459

$38

Farmers

$460

$38

Nationwide

$485

$40

American Family

$492

$41

American Family

$511

$43

Cincinnati Insurance

$518

$43

Allstate

$525

$44

State Farm

$552

$46

Allstate

$555

$46

Nationwide

$582

$48

Auto-Owners Insurance Co

$610

$51

Allstate

$625

$52

Auto-Owners Insurance Co

$639

$53

GEICO

$645

$54

State Farm

$679

$57

Grange Insurance

$696

$58

Grange Insurance

$713

$59

GEICO

$715

$60

Farmers

$746

$62

Erie

$749

$62

Erie

$767

$64

Farmers

$787

$66

Travelers

$812

$68

Travelers

$814

$68

Progressive

$825

$69

Cincinnati Insurance

$853

$71

Grange Insurance

$865

$72

Allstate

$878

$73

Allstate

$887

$74

Westfield

$900

$75

Progressive

$907

$76

GEICO

$917

$76

Auto-Owners Insurance Co

$922

$77

Cincinnati Insurance

$925

$77

Westfield

$933

$78

Farmers

$945

$79

Erie

$963

$80

State Farm

$965

$80

Travelers

$978

$82

Allstate

$1,122

$93

Cincinnati Insurance

$1,122

$94

Progressive

$1,175

$98

Westfield

$1,175

$98

Cheapest Car Insurance in Ohio for Seniors (November 2023)

Senior drivers in Ohio can save the most money on car insurance from these companies, on average:

  • Nationwide: $448 per year
  • American Family: $459 per year

Westfield customers aged 60+ generally pay the highest average policy cost at $900.

Senior drivers might pay slightly more or less for coverage than middle-aged drivers. For example, Nationwide insurance charges around $37 less for the average 65-year-old than for the middle-aged. However, as you reach your 70s and 80s, car insurance rates tend to go up due to increased accident frequency.

Company
Annual Premium
Monthly Premium

State Farm

$208

$17

Nationwide

$218

$18

Nationwide

$226

$19

American Family

$253

$21

American Family

$254

$21

Auto-Owners Insurance Co

$255

$21

Auto-Owners Insurance Co

$258

$22

Progressive

$260

$22

American Family

$264

$22

State Farm

$276

$23

Nationwide

$280

$23

Progressive

$281

$23

Erie

$284

$24

Erie

$293

$24

Grange Insurance

$324

$27

GEICO

$332

$28

Grange Insurance

$340

$28

Westfield

$348

$29

Progressive

$352

$29

State Farm

$357

$30

Erie

$367

$31

Auto-Owners Insurance Co

$367

$31

Westfield

$379

$32

Travelers

$380

$32

Grange Insurance

$381

$32

Farmers

$390

$32

GEICO

$393

$33

Farmers

$402

$34

Westfield

$405

$34

Travelers

$414

$34

Cincinnati Insurance

$420

$35

Cincinnati Insurance

$437

$36

Travelers

$439

$37

GEICO

$446

$37

Nationwide

$448

$37

American Family

$459

$38

Farmers

$460

$38

Nationwide

$485

$40

American Family

$492

$41

American Family

$511

$43

Cincinnati Insurance

$518

$43

Allstate

$525

$44

State Farm

$552

$46

Allstate

$555

$46

Nationwide

$582

$48

Auto-Owners Insurance Co

$610

$51

Allstate

$625

$52

Auto-Owners Insurance Co

$639

$53

GEICO

$645

$54

State Farm

$679

$57

Grange Insurance

$696

$58

Grange Insurance

$713

$59

GEICO

$715

$60

Farmers

$746

$62

Erie

$749

$62

Erie

$767

$64

Farmers

$787

$66

Travelers

$812

$68

Travelers

$814

$68

Progressive

$825

$69

Cincinnati Insurance

$853

$71

Grange Insurance

$865

$72

Allstate

$878

$73

Allstate

$887

$74

Westfield

$900

$75

Progressive

$907

$76

GEICO

$917

$76

Auto-Owners Insurance Co

$922

$77

Cincinnati Insurance

$925

$77

Westfield

$933

$78

Farmers

$945

$79

Erie

$963

$80

State Farm

$965

$80

Travelers

$978

$82

Allstate

$1,122

$93

Cincinnati Insurance

$1,122

$94

Progressive

$1,175

$98

Westfield

$1,175

$98

Seniors can save on car insurance by comparing rates offered by multiple insurers since they consider more than age when setting rates. You can also look into getting a discount on your premium if you qualify for one. For example, Allstate, American Family, Farmers and GEICO all offer senior driver discounts.

Cheapest Car Insurance for Higher Risk Drivers (November 2023)

Insurers tend to charge higher premiums to drivers with violations on their records. The cheapest car insurance if you have a speeding ticket, an at-fault accident or a DUI on your record is from American Family.

Nationwide is the cheapest insurer for drivers with poor credit, while it is American Family for those with sports cars.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: American Family ($612 per year)
Cheapest after an accident: American Family ($632 per year)
Cheapest after a DUI: American Family ($612 per year)
Cheapest for poor credit: Nationwide ($647 per year)
Cheapest for sports cars: American Family ($452 per year)

Cheapest Car Insurance in Ohio After a Ticket

If you have a speeding ticket in Ohio, you can get the cheapest average car insurance rates from these companies:

  • American Family: $612 per year
  • Nationwide: $617 per year

Progressive provides the most expensive rates at approximately $1,181.

On average, drivers with a ticket pay up to $202 more for car insurance than those without a ticket.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$257

$21

Auto-Owners Insurance Co

$258

$22

Nationwide

$282

$24

Nationwide

$294

$24

State Farm

$306

$26

American Family

$314

$26

Erie

$315

$26

American Family

$315

$26

Erie

$322

$27

American Family

$323

$27

State Farm

$325

$27

Nationwide

$351

$29

Progressive

$363

$30

Auto-Owners Insurance Co

$367

$31

Progressive

$386

$32

State Farm

$396

$33

Erie

$407

$34

GEICO

$412

$34

Westfield

$413

$34

Progressive

$437

$36

Westfield

$454

$38

GEICO

$467

$39

Westfield

$483

$40

Farmers

$485

$40

Grange Insurance

$493

$41

Cincinnati Insurance

$496

$41

Grange Insurance

$500

$42

Cincinnati Insurance

$516

$43

GEICO

$519

$43

Travelers

$519

$43

Farmers

$526

$44

Travelers

$544

$45

Grange Insurance

$549

$46

Farmers

$555

$46

Nationwide

$573

$48

American Family

$574

$48

Travelers

$593

$49

Auto-Owners Insurance Co

$610

$51

American Family

$612

$51

Cincinnati Insurance

$612

$51

Nationwide

$617

$51

American Family

$632

$53

Allstate

$641

$53

Auto-Owners Insurance Co

$645

$54

Allstate

$656

$55

Nationwide

$721

$60

Allstate

$732

$61

State Farm

$751

$63

State Farm

$809

$67

Erie

$817

$68

Erie

$833

$69

GEICO

$844

$70

GEICO

$904

$75

Auto-Owners Insurance Co

$922

$77

Cincinnati Insurance

$1,006

$84

Farmers

$1,012

$84

Farmers

$1,018

$85

Grange Insurance

$1,029

$86

Erie

$1,051

$88

Allstate

$1,056

$88

State Farm

$1,068

$89

Westfield

$1,076

$90

Cincinnati Insurance

$1,094

$91

Westfield

$1,103

$92

GEICO

$1,103

$92

Allstate

$1,115

$93

Grange Insurance

$1,120

$93

Travelers

$1,166

$97

Farmers

$1,177

$98

Progressive

$1,181

$98

Progressive

$1,196

$100

Travelers

$1,223

$102

Grange Insurance

$1,244

$104

Travelers

$1,278

$106

Cincinnati Insurance

$1,325

$110

Allstate

$1,370

$114

Westfield

$1,408

$117

Progressive

$1,467

$122

Cheapest Car Insurance in Ohio After an Accident

Drivers with an at-fault accident can find the cheapest average rates for car insurance from these companies:

  • American Family: $632 per year
  • Nationwide: $766 per year

Cincinnati Insurance is the most expensive insurance provider, costing an average of $1,723 per year for drivers with at-fault accidents.

You may likely have to pay around $410 more for car insurance than the average driver with a clean record if you are at fault in an accident.

Company
Annual Premium
Monthly Premium

American Family

$320

$27

American Family

$321

$27

American Family

$329

$27

State Farm

$337

$28

Nationwide

$355

$30

State Farm

$358

$30

Nationwide

$369

$31

Auto-Owners Insurance Co

$401

$33

Auto-Owners Insurance Co

$404

$34

Erie

$415

$35

Erie

$421

$35

State Farm

$436

$36

Nationwide

$438

$36

Grange Insurance

$450

$37

Grange Insurance

$460

$38

Progressive

$512

$43

Erie

$531

$44

Grange Insurance

$532

$44

GEICO

$543

$45

Travelers

$550

$46

Progressive

$559

$47

Auto-Owners Insurance Co

$573

$48

Travelers

$577

$48

Progressive

$582

$48

Westfield

$583

$49

American Family

$594

$50

Westfield

$618

$52

Travelers

$631

$53

Farmers

$631

$53

American Family

$632

$53

GEICO

$635

$53

Westfield

$643

$54

American Family

$655

$55

Farmers

$695

$58

GEICO

$696

$58

Farmers

$708

$59

Nationwide

$716

$60

Allstate

$738

$62

Allstate

$758

$63

Nationwide

$766

$64

Cincinnati Insurance

$781

$65

Cincinnati Insurance

$813

$68

State Farm

$823

$69

Allstate

$856

$71

State Farm

$887

$74

Nationwide

$892

$74

Auto-Owners Insurance Co

$904

$75

Auto-Owners Insurance Co

$944

$79

Cincinnati Insurance

$964

$80

Grange Insurance

$1,005

$84

Grange Insurance

$1,031

$86

Erie

$1,033

$86

Grange Insurance

$1,038

$86

Erie

$1,047

$87

GEICO

$1,123

$94

State Farm

$1,170

$98

Travelers

$1,217

$101

GEICO

$1,219

$102

Farmers

$1,232

$103

Allstate

$1,243

$104

Farmers

$1,255

$105

Travelers

$1,283

$107

Allstate

$1,317

$110

Erie

$1,323

$110

Travelers

$1,335

$111

Westfield

$1,361

$113

Auto-Owners Insurance Co

$1,366

$114

Westfield

$1,383

$115

Farmers

$1,405

$117

GEICO

$1,464

$122

Progressive

$1,580

$132

Cincinnati Insurance

$1,587

$132

Progressive

$1,626

$135

Allstate

$1,632

$136

Westfield

$1,637

$136

Cincinnati Insurance

$1,723

$144

Progressive

$1,877

$156

Cincinnati Insurance

$2,088

$174

mglogo icon
MONEYGEEK EXPERT TIP

Adding accident forgiveness to your car insurance policy may help you avoid a premium increase after your first at-fault accident. And with some companies, like GEICO, you may not have to pay extra for this coverage if you maintain a clean driving record — it is awarded for free. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Ohio After a DUI

Those with a DUI on their record can consider the following companies for the most affordable average car insurance:

  • American Family: $612 per year
  • State Farm: $809 per year

Westfield is the most expensive option, at approximately $2,447.

The average premium for drivers with a DUI is $591 more than it is for drivers with clean records.

Company
Annual Premium
Monthly Premium

State Farm

$306

$26

American Family

$314

$26

American Family

$315

$26

American Family

$323

$27

State Farm

$325

$27

Progressive

$338

$28

Progressive

$356

$30

State Farm

$396

$33

Progressive

$411

$34

Nationwide

$442

$37

Nationwide

$456

$38

Erie

$514

$43

Erie

$519

$43

Nationwide

$525

$44

Grange Insurance

$541

$45

Grange Insurance

$551

$46

Farmers

$559

$47

American Family

$574

$48

Auto-Owners Insurance Co

$578

$48

Auto-Owners Insurance Co

$582

$48

Grange Insurance

$605

$50

American Family

$612

$51

Travelers

$612

$51

Farmers

$620

$52

Farmers

$630

$52

American Family

$632

$53

Travelers

$643

$54

Erie

$655

$55

Allstate

$687

$57

Travelers

$701

$58

Allstate

$705

$59

State Farm

$751

$63

Allstate

$791

$66

GEICO

$793

$66

State Farm

$809

$67

Auto-Owners Insurance Co

$826

$69

Nationwide

$887

$74

GEICO

$906

$75

Nationwide

$938

$78

GEICO

$949

$79

Cincinnati Insurance

$1,026

$85

Nationwide

$1,064

$89

Cincinnati Insurance

$1,066

$89

State Farm

$1,068

$89

Progressive

$1,094

$91

Farmers

$1,104

$92

Progressive

$1,105

$92

Farmers

$1,121

$93

Westfield

$1,132

$94

Grange Insurance

$1,149

$96

Allstate

$1,153

$96

Westfield

$1,166

$97

Westfield

$1,191

$99

Allstate

$1,218

$101

Erie

$1,250

$104

Grange Insurance

$1,253

$104

Erie

$1,263

$105

Farmers

$1,263

$105

Auto-Owners Insurance Co

$1,267

$106

Cincinnati Insurance

$1,268

$106

Auto-Owners Insurance Co

$1,314

$110

Travelers

$1,348

$112

Progressive

$1,371

$114

Grange Insurance

$1,394

$116

Travelers

$1,423

$119

Travelers

$1,475

$123

Allstate

$1,506

$126

GEICO

$1,547

$129

Erie

$1,593

$133

GEICO

$1,751

$146

GEICO

$1,886

$157

Auto-Owners Insurance Co

$1,912

$159

Cincinnati Insurance

$2,084

$174

Cincinnati Insurance

$2,261

$188

Westfield

$2,425

$202

Westfield

$2,447

$204

Westfield

$2,700

$225

Cincinnati Insurance

$2,745

$229

Cheapest Car Insurance in Ohio for Drivers With Poor Credit (November 2023)

On average, we found that the cheapest insurance companies for drivers with credit scores under 580 are:

  • Nationwide: $647 per year
  • American Family: $820 per year

You may find that the most expensive option is Auto-Owners at around $1,807.

Drivers with poor credit pay $587 more on average than those with good credit above 750.

Company
Annual Premium
Monthly Premium

Nationwide

$290

$24

Nationwide

$302

$25

Nationwide

$378

$32

American Family

$412

$34

American Family

$416

$35

Progressive

$436

$36

Grange Insurance

$436

$36

Grange Insurance

$438

$37

American Family

$444

$37

Progressive

$475

$40

Grange Insurance

$478

$40

GEICO

$488

$41

GEICO

$556

$46

Farmers

$573

$48

Erie

$581

$48

Progressive

$589

$49

Erie

$593

$49

Farmers

$594

$49

Nationwide

$594

$49

Travelers

$604

$50

State Farm

$616

$51

Travelers

$630

$53

Cincinnati Insurance

$634

$53

Westfield

$638

$53

GEICO

$642

$53

Nationwide

$647

$54

State Farm

$655

$55

Cincinnati Insurance

$660

$55

Travelers

$676

$56

Farmers

$678

$56

Auto-Owners Insurance Co

$702

$59

Westfield

$702

$59

Auto-Owners Insurance Co

$707

$59

Allstate

$727

$61

Allstate

$747

$62

Westfield

$749

$62

Erie

$750

$62

American Family

$764

$64

Cincinnati Insurance

$783

$65

Nationwide

$787

$66

State Farm

$798

$67

American Family

$820

$68

Allstate

$845

$70

American Family

$866

$72

Grange Insurance

$897

$75

Grange Insurance

$982

$82

Auto-Owners Insurance Co

$1,003

$84

GEICO

$1,015

$85

GEICO

$1,065

$89

Grange Insurance

$1,098

$91

Farmers

$1,182

$99

Farmers

$1,241

$103

Travelers

$1,277

$106

Travelers

$1,277

$106

Cincinnati Insurance

$1,287

$107

Allstate

$1,289

$107

Allstate

$1,376

$115

GEICO

$1,384

$115

Cincinnati Insurance

$1,395

$116

Progressive

$1,451

$121

Farmers

$1,492

$124

Travelers

$1,501

$125

State Farm

$1,519

$127

Progressive

$1,598

$133

Westfield

$1,623

$135

State Farm

$1,639

$137

Westfield

$1,661

$138

Erie

$1,670

$139

Cincinnati Insurance

$1,694

$141

Erie

$1,702

$142

Auto-Owners Insurance Co

$1,705

$142

Allstate

$1,708

$142

Auto-Owners Insurance Co

$1,807

$151

Progressive

$2,068

$172

Westfield

$2,110

$176

Erie

$2,147

$179

State Farm

$2,160

$180

Auto-Owners Insurance Co

$2,594

$216

Insurers may use credit-based insurance scores to determine car insurance premiums. Although some states prohibit this, Ohio does allow it.

By improving your credit score over time, you might qualify for lower rates. Additionally, comparing different providers and asking about special car insurance discounts may also save you money.

Cheapest Car Insurance in Ohio for Sports Cars (November 2023)

On average, the cheapest car insurance companies for sports car drivers in Ohio are:

  • American Family: $452 per year
  • Auto-Owners: $653 per year

Progressive offers the highest-priced option at around $1,182.

The average sports car driver pays about $70 more for car insurance than the average Toyota Camry driver.

Company
Annual Premium
Monthly Premium

State Farm

$208

$17

Nationwide

$218

$18

Nationwide

$226

$19

American Family

$253

$21

American Family

$254

$21

Auto-Owners Insurance Co

$255

$21

Auto-Owners Insurance Co

$258

$22

Progressive

$260

$22

American Family

$264

$22

State Farm

$276

$23

Nationwide

$280

$23

Progressive

$281

$23

Erie

$284

$24

Erie

$293

$24

Grange Insurance

$324

$27

GEICO

$332

$28

Grange Insurance

$340

$28

Westfield

$348

$29

Progressive

$352

$29

State Farm

$357

$30

Erie

$367

$31

Auto-Owners Insurance Co

$367

$31

Westfield

$379

$32

Travelers

$380

$32

Grange Insurance

$381

$32

Farmers

$390

$32

GEICO

$393

$33

Farmers

$402

$34

Westfield

$405

$34

Travelers

$414

$34

Cincinnati Insurance

$420

$35

American Family

$423

$35

Cincinnati Insurance

$437

$36

Travelers

$439

$37

GEICO

$446

$37

American Family

$452

$38

Farmers

$460

$38

American Family

$468

$39

Cincinnati Insurance

$518

$43

Allstate

$525

$44

Allstate

$555

$46

Nationwide

$598

$50

Auto-Owners Insurance Co

$622

$52

Allstate

$625

$52

Auto-Owners Insurance Co

$653

$54

Nationwide

$659

$55

Farmers

$688

$57

Farmers

$741

$62

Travelers

$786

$65

Nationwide

$800

$67

GEICO

$810

$67

Travelers

$811

$68

GEICO

$814

$68

State Farm

$890

$74

Farmers

$895

$75

Allstate

$896

$75

Auto-Owners Insurance Co

$938

$78

Allstate

$956

$80

State Farm

$960

$80

Travelers

$961

$80

Progressive

$983

$82

GEICO

$1,101

$92

Allstate

$1,169

$97

Progressive

$1,182

$98

State Farm

$1,284

$107

Progressive

$1,601

$133

MoneyGeek used a Ford Mustang for its sample sports car, but insurance costs can differ greatly depending on what type of car you drive. Luxury, electric and sports cars tend to be more expensive than other types, but the model may not be the most significant factor in determining what you pay.

Cheapest Car Insurance in Ohio for Military Drivers (November 2023)

We found that Nationwide is the cheapest car insurance company for an active-duty or military veteran, costing around $485 per year.

USAA is also among the cheapest insurers for military personnel in Ohio at $612. USAA tailors its car insurance policies to the needs of military personnel and their families across the U.S.

You could also look at GEICO because it has military discounts available that may lower the cost of auto insurance.

mglogo
MoneyGeek Top Pick
Nationwide
  • $485 per year

Nationwide offers rental car and/or travel reimbursement, roadside assistance, accident forgiveness, deductible modification and gap insurance to its policyholders. In addition, it provides identity theft coverage and total loss deductible waiver.

Cheapest Car Insurance in Ohio by City

Pricing for car insurance varies widely depending on where you live. In general, drivers who live in cities that have higher rates of theft, vandalism or accidents will pay more for coverage.

For example, the cheapest full coverage policy you can find is in Akron, at about $547 per year with Nationwide. The most expensive policies are in Cincinnati from Nationwide at around $663 annually.

City
Cheapest Company
Annual Premium

Akron

Nationwide

$547

Cincinnati

Nationwide

$663

Cleveland

State Farm

$649

Columbus

Nationwide

$560

Dayton

Nationwide

$603

Toledo

Nationwide

$662

Car Insurance in Ohio: What You Need to Know

Most states require drivers to have bodily injury liability (BIL) and property damage liability (PDL) coverage. Ohio is no exception, and drivers in the state are required to meet minimum limits to drive.

Ohio Car Insurance Requirements

Ohio law only requires you to carry bodily injury liability and property damage liability. However, if you’re in an accident and you don’t have enough insurance coverage to pay for the damage, then you could be personally liable for those costs.

To mitigate this financial burden, we suggest purchasing more liability coverage.

Furthermore, those who are required to secure an SR-22 because of significant violations may have to get more coverage.

  • male icon

    Bodily Injury Liability

    Bodily injury liability covers you if you cause an accident. Ohio requires you to have $25,000 per person and $50,000 bodily injury liability per accident. Getting only the minimum bodily injury coverage may result in larger out-of-pocket expenses for medical bills, lost wages and other damages.

  • accident2 icon

    Property Damage Liability

    Property damage liability covers the costs of damage to other people's property caused by your car. The coverage limit is $25,000 per accident. Although purchasing a minimum coverage policy can save you money, it may not completely cover the damages if you are at fault in an accident. If this happens, you have to pay out of pocket.

MoneyGeek recommends getting $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage insurance per accident.

If you're financing or leasing your car, the company might require that you purchase comprehensive and collision insurance.

Comprehensive insurance covers damage to your car from events that are not related to a collision with another vehicle, such as weather hazards, fire, theft and vandalism. Collision insurance covers damage when you collide with another vehicle or object.

Even if you think you don’t need these coverages, it’s still wise to get them if you have a valuable car.

Car Insurance Alternatives in Ohio

In Ohio, everyone who drives a motor vehicle must have insurance. If you're pulled over for speeding or any other reason, police officers will check the proof of insurance on your car. The same goes for accidents and inspections. Thus, there is no alternative to car insurance as of now.

However, for drivers who don’t own cars, non-owner car insurance might be worth looking into.

FAQs About Car Insurance in Ohio

There are many things to consider when you're shopping for car insurance, including cost and quality. Here are some of the most common questions about car insurance in Ohio.

Expert Advice on Finding Cheap Car Insurance in Ohio

To help you find credible and accurate insight into 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?
Eric Fisher
Eric Fisher

Agency Owner, AINS

Nate Roadman
Nate Roadman

President at Reed, Wertz & Roadman, Inc.

P.J. Miller
P.J. Miller

Partner & Independent Insurance Agent at Wallace & Turner Insurance

Roc Starks
Roc Starks

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

Derek-Dion Lee
Derek-Dion Lee

Assistant Professor of Finance at Ohio Northern University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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