The Cheapest Car Insurance in Ohio for 2022
MoneyGeek ranked the top car insurance companies in Ohio to help you find the most affordable option. Based on our analysis, GEICO is the cheapest option on average and drivers can save up to $532 yearly by shopping around.
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Car insurance costs in Ohio depend on factors such as age, coverage amounts, driving history, and credit score. While GEICO is the cheapest on average, your background will also determine who is the cheapest for you.
For example, if you have a DUI, American Family is the cheapest option in Ohio, while Erie offers the most affordable policy for senior drivers. USAA is the cheapest overall option for those in the military and their families.
The Cheapest Car Insurance in Ohio
Cheapest Minimum Liability Car Insurance 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 for minimum coverage in Ohio are:
- Erie: $274 per year
- GEICO: $331 per year
If you or a family member are in the military, you qualify for USAA coverage, which averages just $238 per year. The most expensive car insurance for minimum coverage is Esurance, costing an average of $809 per year.
Cheapest Minimum Car Insurance in Ohio
These prices are only estimates based on rates for an average Ohio driver and should not be used to compare insurance prices.
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:
- GEICO: $572 per year
- Erie: $618 per year
For military personnel and their families, USAA's $507 average annual rate is likely the most affordable full coverage option in Ohio. Esurance presents the costliest full coverage insurance package in Ohio, with an average yearly price point of $1,039.
Cheapest Full Coverage Car Insurance 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.
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 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 for drivers with a DUI and full coverage in Ohio 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 in Ohio for Drivers With an At-Fault Accident
In Ohio, your driving record is a big factor when calculating how much you’ll pay for your car insurance policy. Drivers with violations, 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 $1,178 yearly.
The cheapest car insurance companies in Ohio for drivers with an at-fault accident are:
- American Family: $690 per year
- Erie: $798 per year
For current and former military members in Ohio, USAA is also one of the cheapest car insurance options in this category at $765 yearly.
Cheapest Car Insurance With an At-Fault Accident
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:
- Erie: $644 per year
- American Family: $690 per year
If you have a military affiliation, USAA's offering of $628 per year on average is the cheapest policy for Ohio drivers with tickets.
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 for a driver with poor credit and full coverage in Ohio are:
- GEICO: $806 per year
- Nationwide: $1,074 per year
For those of you in the military (or if you have family members who serve), USAA offers a competitive rate for Ohio drivers with bad credit, averaging $861 per year.
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:
- Erie: $639 per year
- State Farm: $666 per year
If you or a family member are in the military, USAA's offer of $557 per year on average is likely the most affordable option for Ohio seniors.
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 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 $1,840 yearly to insure a 16-year-old while the cost for a 25-year-old is $826 per year.
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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- AgeAverage CostCheapest CompanyCompany Cost
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 auto insurance companies to view this population as high risk. Shop around to find the best car insurance for high-school and college-aged 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 military 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.
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
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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- Experian. "2019 Consumer Credit Review." Accessed March 17, 2020.
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed March 17, 2020.
- National Association of Insurance Commissioners. "2018 Market Share Reports." Accessed March 17, 2020.
- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed March 17, 2020.
- Ohio Department of Insurance. "Ohio Department of Insurance." Accessed January 21, 2021.
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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.