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Nationwide is the cheapest auto insurer in Ohio for full and minimum coverage. American Family is 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 (June 2023)

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

  • Nationwide: $226 per year
  • Erie: $228 per year

Opting for State Farm may cost around $2,556, 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

Nationwide

$218

$18

Erie

$220

$18

Nationwide

$226

$19

Erie

$228

$19

American Family

$253

$21

American Family

$254

$21

American Family

$264

$22

Grange Insurance

$270

$23

Nationwide

$280

$23

Grange Insurance

$284

$24

Erie

$285

$24

Grange Insurance

$318

$26

Westfield

$332

$28

GEICO

$332

$28

Westfield

$362

$30

Cincinnati Insurance

$374

$31

Westfield

$386

$32

Cincinnati Insurance

$389

$32

Travelers

$392

$33

GEICO

$393

$33

Travelers

$427

$36

GEICO

$446

$37

Nationwide

$448

$37

Travelers

$454

$38

American Family

$459

$38

Cincinnati Insurance

$461

$38

Auto-Owners Insurance Co

$466

$39

Auto-Owners Insurance Co

$473

$39

Nationwide

$485

$40

American Family

$492

$41

American Family

$511

$43

Progressive

$520

$43

Progressive

$561

$47

Nationwide

$582

$48

Erie

$583

$49

Grange Insurance

$588

$49

Erie

$597

$50

Grange Insurance

$603

$50

GEICO

$645

$54

Auto-Owners Insurance Co

$672

$56

Progressive

$703

$59

GEICO

$715

$60

Grange Insurance

$732

$61

Erie

$749

$62

Cincinnati Insurance

$771

$64

Cincinnati Insurance

$837

$70

Travelers

$847

$71

Farmers

$849

$71

Travelers

$850

$71

Farmers

$877

$73

Westfield

$878

$73

Westfield

$913

$76

GEICO

$917

$76

Farmers

$1,002

$84

Cincinnati Insurance

$1,016

$85

Travelers

$1,022

$85

Allstate

$1,050

$88

Auto-Owners Insurance Co

$1,100

$92

Allstate

$1,111

$93

Auto-Owners Insurance Co

$1,152

$96

Westfield

$1,152

$96

Allstate

$1,250

$104

Farmers

$1,620

$135

Progressive

$1,650

$138

Auto-Owners Insurance Co

$1,661

$138

Farmers

$1,709

$142

Allstate

$1,757

$146

Allstate

$1,775

$148

Progressive

$1,814

$151

Farmers

$2,052

$171

Allstate

$2,246

$187

Progressive

$2,349

$196

State Farm

$2,556

$213

State Farm

$3,393

$283

State Farm

$4,208

$351

State Farm

$4,391

$366

State Farm

$5,343

$445

State Farm

$7,296

$608

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 (June 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

State Farm is the most expensive option, at approximately $4,208 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

Nationwide

$218

$18

Erie

$220

$18

Nationwide

$226

$19

Erie

$228

$19

American Family

$253

$21

American Family

$254

$21

American Family

$264

$22

Grange Insurance

$270

$23

Nationwide

$280

$23

Grange Insurance

$284

$24

Erie

$285

$24

Grange Insurance

$318

$26

Westfield

$332

$28

GEICO

$332

$28

Westfield

$362

$30

Cincinnati Insurance

$374

$31

Westfield

$386

$32

Cincinnati Insurance

$389

$32

Travelers

$392

$33

GEICO

$393

$33

Travelers

$427

$36

GEICO

$446

$37

Nationwide

$448

$37

Travelers

$454

$38

American Family

$459

$38

Cincinnati Insurance

$461

$38

Auto-Owners Insurance Co

$466

$39

Auto-Owners Insurance Co

$473

$39

Nationwide

$485

$40

American Family

$492

$41

American Family

$511

$43

Progressive

$520

$43

Progressive

$561

$47

Nationwide

$582

$48

Erie

$583

$49

Grange Insurance

$588

$49

Erie

$597

$50

Grange Insurance

$603

$50

GEICO

$645

$54

Auto-Owners Insurance Co

$672

$56

Progressive

$703

$59

GEICO

$715

$60

Grange Insurance

$732

$61

Erie

$749

$62

Cincinnati Insurance

$771

$64

Cincinnati Insurance

$837

$70

Travelers

$847

$71

Farmers

$849

$71

Travelers

$850

$71

Farmers

$877

$73

Westfield

$878

$73

Westfield

$913

$76

GEICO

$917

$76

Farmers

$1,002

$84

Cincinnati Insurance

$1,016

$85

Travelers

$1,022

$85

Allstate

$1,050

$88

Auto-Owners Insurance Co

$1,100

$92

Allstate

$1,111

$93

Auto-Owners Insurance Co

$1,152

$96

Westfield

$1,152

$96

Allstate

$1,250

$104

Farmers

$1,620

$135

Progressive

$1,650

$138

Auto-Owners Insurance Co

$1,661

$138

Farmers

$1,709

$142

Allstate

$1,757

$146

Allstate

$1,775

$148

Progressive

$1,814

$151

Farmers

$2,052

$171

Allstate

$2,246

$187

Progressive

$2,349

$196

State Farm

$2,556

$213

State Farm

$3,393

$283

State Farm

$4,208

$351

State Farm

$4,391

$366

State Farm

$5,343

$445

State Farm

$7,296

$608

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 (June 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 (June 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 (June 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

State Farm may have the highest average policy cost for young drivers in Ohio at roughly $7,296.

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

Nationwide

$218

$18

Erie

$220

$18

Nationwide

$226

$19

Erie

$228

$19

American Family

$253

$21

American Family

$254

$21

American Family

$264

$22

Grange Insurance

$270

$23

Nationwide

$280

$23

Grange Insurance

$284

$24

Erie

$285

$24

Grange Insurance

$318

$26

Westfield

$332

$28

GEICO

$332

$28

Westfield

$362

$30

Cincinnati Insurance

$374

$31

Westfield

$386

$32

Cincinnati Insurance

$389

$32

Travelers

$392

$33

GEICO

$393

$33

Travelers

$427

$36

GEICO

$446

$37

Nationwide

$448

$37

Travelers

$454

$38

American Family

$459

$38

Cincinnati Insurance

$461

$38

Auto-Owners Insurance Co

$466

$39

Auto-Owners Insurance Co

$473

$39

Nationwide

$485

$40

American Family

$492

$41

American Family

$511

$43

Progressive

$520

$43

Progressive

$561

$47

Nationwide

$582

$48

Erie

$583

$49

Grange Insurance

$588

$49

Erie

$597

$50

Grange Insurance

$603

$50

GEICO

$645

$54

Auto-Owners Insurance Co

$672

$56

Progressive

$703

$59

GEICO

$715

$60

Grange Insurance

$732

$61

Erie

$749

$62

Cincinnati Insurance

$771

$64

Cincinnati Insurance

$837

$70

Travelers

$847

$71

Farmers

$849

$71

Travelers

$850

$71

Farmers

$877

$73

Westfield

$878

$73

Westfield

$913

$76

GEICO

$917

$76

Farmers

$1,002

$84

Cincinnati Insurance

$1,016

$85

Travelers

$1,022

$85

Allstate

$1,050

$88

Auto-Owners Insurance Co

$1,100

$92

Allstate

$1,111

$93

Auto-Owners Insurance Co

$1,152

$96

Westfield

$1,152

$96

Allstate

$1,250

$104

Farmers

$1,620

$135

Progressive

$1,650

$138

Auto-Owners Insurance Co

$1,661

$138

Farmers

$1,709

$142

Allstate

$1,757

$146

Allstate

$1,775

$148

Progressive

$1,814

$151

Farmers

$2,052

$171

Allstate

$2,246

$187

Progressive

$2,349

$196

State Farm

$2,556

$213

State Farm

$3,393

$283

State Farm

$4,208

$351

State Farm

$4,391

$366

State Farm

$5,343

$445

State Farm

$7,296

$608

Cheapest Car Insurance in Ohio for Seniors (June 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

State Farm customers aged 60+ generally pay the highest average policy cost at $5,343.

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

Nationwide

$218

$18

Erie

$220

$18

Nationwide

$226

$19

Erie

$228

$19

American Family

$253

$21

American Family

$254

$21

American Family

$264

$22

Grange Insurance

$270

$23

Nationwide

$280

$23

Grange Insurance

$284

$24

Erie

$285

$24

Grange Insurance

$318

$26

Westfield

$332

$28

GEICO

$332

$28

Westfield

$362

$30

Cincinnati Insurance

$374

$31

Westfield

$386

$32

Cincinnati Insurance

$389

$32

Travelers

$392

$33

GEICO

$393

$33

Travelers

$427

$36

GEICO

$446

$37

Nationwide

$448

$37

Travelers

$454

$38

American Family

$459

$38

Cincinnati Insurance

$461

$38

Auto-Owners Insurance Co

$466

$39

Auto-Owners Insurance Co

$473

$39

Nationwide

$485

$40

American Family

$492

$41

American Family

$511

$43

Progressive

$520

$43

Progressive

$561

$47

Nationwide

$582

$48

Erie

$583

$49

Grange Insurance

$588

$49

Erie

$597

$50

Grange Insurance

$603

$50

GEICO

$645

$54

Auto-Owners Insurance Co

$672

$56

Progressive

$703

$59

GEICO

$715

$60

Grange Insurance

$732

$61

Erie

$749

$62

Cincinnati Insurance

$771

$64

Cincinnati Insurance

$837

$70

Travelers

$847

$71

Farmers

$849

$71

Travelers

$850

$71

Farmers

$877

$73

Westfield

$878

$73

Westfield

$913

$76

GEICO

$917

$76

Farmers

$1,002

$84

Cincinnati Insurance

$1,016

$85

Travelers

$1,022

$85

Allstate

$1,050

$88

Auto-Owners Insurance Co

$1,100

$92

Allstate

$1,111

$93

Auto-Owners Insurance Co

$1,152

$96

Westfield

$1,152

$96

Allstate

$1,250

$104

Farmers

$1,620

$135

Progressive

$1,650

$138

Auto-Owners Insurance Co

$1,661

$138

Farmers

$1,709

$142

Allstate

$1,757

$146

Allstate

$1,775

$148

Progressive

$1,814

$151

Farmers

$2,052

$171

Allstate

$2,246

$187

Progressive

$2,349

$196

State Farm

$2,556

$213

State Farm

$3,393

$283

State Farm

$4,208

$351

State Farm

$4,391

$366

State Farm

$5,343

$445

State Farm

$7,296

$608

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 (June 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.

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

State Farm provides the most expensive rates at approximately $6,342.

On average, drivers with a ticket pay up to $381 more for car insurance than those without a ticket.

Company
Annual Premium
Monthly Premium

Erie

$244

$20

Erie

$250

$21

Nationwide

$282

$24

Nationwide

$294

$24

American Family

$314

$26

American Family

$315

$26

Erie

$316

$26

American Family

$323

$27

Nationwide

$351

$29

Westfield

$393

$33

Grange Insurance

$411

$34

GEICO

$412

$34

Grange Insurance

$418

$35

Westfield

$433

$36

Cincinnati Insurance

$442

$37

Grange Insurance

$459

$38

Cincinnati Insurance

$459

$38

Westfield

$461

$38

GEICO

$467

$39

Auto-Owners Insurance Co

$472

$39

Auto-Owners Insurance Co

$473

$39

GEICO

$519

$43

Travelers

$536

$45

Cincinnati Insurance

$545

$45

Travelers

$562

$47

Nationwide

$573

$48

American Family

$574

$48

American Family

$612

$51

Travelers

$613

$51

Nationwide

$617

$51

American Family

$632

$53

Erie

$636

$53

Erie

$648

$54

Auto-Owners Insurance Co

$672

$56

Nationwide

$721

$60

Progressive

$725

$60

Progressive

$772

$64

Erie

$818

$68

GEICO

$844

$70

Grange Insurance

$869

$72

Progressive

$873

$73

GEICO

$904

$75

Cincinnati Insurance

$910

$76

Grange Insurance

$948

$79

Cincinnati Insurance

$990

$82

Westfield

$1,050

$88

Grange Insurance

$1,052

$88

Farmers

$1,058

$88

Westfield

$1,080

$90

Auto-Owners Insurance Co

$1,100

$92

GEICO

$1,103

$92

Farmers

$1,147

$96

Auto-Owners Insurance Co

$1,162

$97

Cincinnati Insurance

$1,199

$100

Farmers

$1,211

$101

Travelers

$1,217

$101

Travelers

$1,277

$106

Allstate

$1,282

$107

Allstate

$1,311

$109

Travelers

$1,335

$111

Westfield

$1,380

$115

Allstate

$1,464

$122

Auto-Owners Insurance Co

$1,661

$138

Allstate

$2,113

$176

Farmers

$2,198

$183

Farmers

$2,210

$184

Allstate

$2,232

$186

Progressive

$2,362

$197

Progressive

$2,392

$199

Farmers

$2,555

$213

Allstate

$2,744

$229

Progressive

$2,934

$244

State Farm

$3,768

$314

State Farm

$4,004

$334

State Farm

$4,879

$407

State Farm

$5,924

$494

State Farm

$6,342

$529

State Farm

$8,087

$674

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

State Farm is the most expensive insurance provider, costing an average of $6,962 per year for drivers with at-fault accidents.

You may likely have to pay around $694 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

Erie

$322

$27

Erie

$327

$27

American Family

$329

$27

Nationwide

$355

$30

Nationwide

$369

$31

Grange Insurance

$376

$31

Grange Insurance

$384

$32

Erie

$412

$34

Nationwide

$438

$36

Grange Insurance

$444

$37

GEICO

$543

$45

Westfield

$556

$46

Travelers

$568

$47

Westfield

$589

$49

American Family

$594

$50

Travelers

$596

$50

Westfield

$613

$51

American Family

$632

$53

GEICO

$635

$53

Travelers

$652

$54

American Family

$655

$55

Cincinnati Insurance

$695

$58

GEICO

$696

$58

Nationwide

$716

$60

Cincinnati Insurance

$723

$60

Auto-Owners Insurance Co

$734

$61

Auto-Owners Insurance Co

$740

$62

Nationwide

$766

$64

Erie

$804

$67

Erie

$815

$68

Grange Insurance

$850

$71

Cincinnati Insurance

$858

$71

Grange Insurance

$872

$73

Grange Insurance

$876

$73

Nationwide

$892

$74

Progressive

$1,025

$85

Erie

$1,029

$86

Auto-Owners Insurance Co

$1,049

$87

Progressive

$1,117

$93

GEICO

$1,123

$94

Progressive

$1,164

$97

GEICO

$1,219

$102

Travelers

$1,270

$106

Westfield

$1,326

$110

Travelers

$1,339

$112

Westfield

$1,350

$112

Farmers

$1,376

$115

Travelers

$1,394

$116

Cincinnati Insurance

$1,434

$120

GEICO

$1,464

$122

Allstate

$1,476

$123

Allstate

$1,515

$126

Farmers

$1,518

$127

Farmers

$1,546

$129

Cincinnati Insurance

$1,559

$130

Westfield

$1,601

$133

Auto-Owners Insurance Co

$1,633

$136

Auto-Owners Insurance Co

$1,704

$142

Allstate

$1,713

$143

Cincinnati Insurance

$1,890

$157

Auto-Owners Insurance Co

$2,463

$205

Allstate

$2,490

$207

Allstate

$2,637

$220

Farmers

$2,678

$223

Farmers

$2,728

$227

Farmers

$3,053

$254

Progressive

$3,160

$263

Progressive

$3,252

$271

Allstate

$3,268

$272

Progressive

$3,753

$313

State Farm

$4,144

$345

State Farm

$4,405

$367

State Farm

$5,367

$447

State Farm

$6,504

$542

State Farm

$6,962

$580

State Farm

$8,878

$740

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
  • Nationwide: $938 per year

State Farm is the most expensive option, at approximately $6,342.

The average premium for drivers with a DUI is $793 more than it is for drivers with clean records.

Company
Annual Premium
Monthly Premium

American Family

$314

$26

American Family

$315

$26

American Family

$323

$27

Erie

$399

$33

Erie

$403

$34

Nationwide

$442

$37

Grange Insurance

$452

$38

Nationwide

$456

$38

Grange Insurance

$460

$38

Grange Insurance

$505

$42

Erie

$509

$42

Nationwide

$525

$44

American Family

$574

$48

American Family

$612

$51

American Family

$632

$53

Travelers

$633

$53

Travelers

$665

$55

Progressive

$677

$56

Progressive

$711

$59

Travelers

$725

$60

GEICO

$793

$66

Progressive

$823

$69

Nationwide

$887

$74

GEICO

$906

$75

Cincinnati Insurance

$912

$76

Nationwide

$938

$78

Cincinnati Insurance

$948

$79

GEICO

$949

$79

Grange Insurance

$971

$81

Erie

$973

$81

Erie

$983

$82

Auto-Owners Insurance Co

$1,059

$88

Grange Insurance

$1,060

$88

Nationwide

$1,064

$89

Auto-Owners Insurance Co

$1,066

$89

Westfield

$1,079

$90

Westfield

$1,112

$93

Cincinnati Insurance

$1,128

$94

Westfield

$1,135

$95

Grange Insurance

$1,179

$98

Farmers

$1,221

$102

Erie

$1,240

$103

Farmers

$1,354

$113

Allstate

$1,374

$115

Farmers

$1,374

$115

Travelers

$1,407

$117

Allstate

$1,410

$117

Travelers

$1,484

$124

Auto-Owners Insurance Co

$1,513

$126

Travelers

$1,540

$128

GEICO

$1,547

$129

Allstate

$1,581

$132

GEICO

$1,751

$146

Cincinnati Insurance

$1,883

$157

GEICO

$1,886

$157

Cincinnati Insurance

$2,045

$170

Progressive

$2,189

$182

Progressive

$2,211

$184

Auto-Owners Insurance Co

$2,288

$191

Allstate

$2,308

$192

Westfield

$2,358

$197

Auto-Owners Insurance Co

$2,374

$198

Westfield

$2,382

$199

Farmers

$2,399

$200

Farmers

$2,438

$203

Allstate

$2,438

$203

Cincinnati Insurance

$2,484

$207

Westfield

$2,632

$219

Progressive

$2,742

$229

Farmers

$2,744

$229

Allstate

$3,015

$251

Auto-Owners Insurance Co

$3,450

$288

State Farm

$3,768

$314

State Farm

$4,004

$334

State Farm

$4,879

$407

State Farm

$5,924

$494

State Farm

$6,342

$529

State Farm

$8,087

$674

Cheapest Car Insurance in Ohio for Drivers With Poor Credit (June 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 State Farm at around $12,810.

Drivers with poor credit pay $1,262 more on average than those with good credit above 750.

Company
Annual Premium
Monthly Premium

Nationwide

$290

$24

Nationwide

$302

$25

Grange Insurance

$364

$30

Grange Insurance

$366

$31

Nationwide

$378

$32

Grange Insurance

$399

$33

American Family

$412

$34

American Family

$416

$35

American Family

$444

$37

Erie

$451

$38

Erie

$461

$38

GEICO

$488

$41

GEICO

$556

$46

Cincinnati Insurance

$564

$47

Erie

$582

$49

Cincinnati Insurance

$587

$49

Nationwide

$594

$49

Westfield

$608

$51

Travelers

$624

$52

GEICO

$642

$53

Nationwide

$647

$54

Travelers

$651

$54

Westfield

$669

$56

Cincinnati Insurance

$696

$58

Travelers

$698

$58

Westfield

$713

$59

Grange Insurance

$757

$63

American Family

$764

$64

Nationwide

$787

$66

American Family

$820

$68

Grange Insurance

$831

$69

American Family

$866

$72

Progressive

$872

$73

Grange Insurance

$929

$77

Progressive

$949

$79

GEICO

$1,015

$85

GEICO

$1,065

$89

Cincinnati Insurance

$1,164

$97

Progressive

$1,177

$98

Farmers

$1,251

$104

Cincinnati Insurance

$1,262

$105

Auto-Owners Insurance Co

$1,286

$107

Auto-Owners Insurance Co

$1,296

$108

Farmers

$1,296

$108

Erie

$1,299

$108

Erie

$1,324

$110

Travelers

$1,332

$111

Travelers

$1,333

$111

GEICO

$1,384

$115

Allstate

$1,454

$121

Farmers

$1,479

$123

Allstate

$1,495

$125

Cincinnati Insurance

$1,533

$128

Travelers

$1,567

$131

Westfield

$1,583

$132

Westfield

$1,625

$135

Erie

$1,670

$139

Allstate

$1,689

$141

Auto-Owners Insurance Co

$1,838

$153

Westfield

$2,068

$172

Farmers

$2,570

$214

Allstate

$2,580

$215

Farmers

$2,696

$225

Allstate

$2,755

$230

Progressive

$2,901

$242

Auto-Owners Insurance Co

$3,074

$256

Progressive

$3,196

$266

Farmers

$3,242

$270

Auto-Owners Insurance Co

$3,253

$271

Allstate

$3,419

$285

Progressive

$4,136

$345

Auto-Owners Insurance Co

$4,668

$389

State Farm

$7,590

$633

State Farm

$8,063

$672

State Farm

$9,827

$819

State Farm

$11,957

$996

State Farm

$12,810

$1,067

State Farm

$16,324

$1,360

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 (June 2023)

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

  • American Family: $452 per year
  • Nationwide: $659 per year

State Farm offers the highest-priced option at around $6,999.

The average sports car driver pays about $567 more for car insurance than the average Toyota Camry driver.

Company
Annual Premium
Monthly Premium

Nationwide

$218

$18

Erie

$220

$18

Nationwide

$226

$19

Erie

$228

$19

American Family

$253

$21

American Family

$254

$21

American Family

$264

$22

Grange Insurance

$270

$23

Nationwide

$280

$23

Grange Insurance

$284

$24

Erie

$285

$24

Grange Insurance

$318

$26

Westfield

$332

$28

GEICO

$332

$28

Westfield

$362

$30

Cincinnati Insurance

$374

$31

Westfield

$386

$32

Cincinnati Insurance

$389

$32

Travelers

$392

$33

GEICO

$393

$33

American Family

$423

$35

Travelers

$427

$36

GEICO

$446

$37

American Family

$452

$38

Travelers

$454

$38

Cincinnati Insurance

$461

$38

Auto-Owners Insurance Co

$466

$39

American Family

$468

$39

Auto-Owners Insurance Co

$473

$39

Progressive

$520

$43

Progressive

$561

$47

Nationwide

$598

$50

Nationwide

$659

$55

Auto-Owners Insurance Co

$672

$56

Progressive

$703

$59

Nationwide

$800

$67

GEICO

$810

$67

GEICO

$814

$68

Travelers

$820

$68

Travelers

$847

$71

Farmers

$849

$71

Farmers

$877

$73

Farmers

$1,002

$84

Travelers

$1,004

$84

Allstate

$1,050

$88

GEICO

$1,101

$92

Allstate

$1,111

$93

Auto-Owners Insurance Co

$1,120

$93

Auto-Owners Insurance Co

$1,175

$98

Allstate

$1,250

$104

Farmers

$1,492

$124

Farmers

$1,606

$134

Auto-Owners Insurance Co

$1,689

$141

Allstate

$1,794

$149

Allstate

$1,915

$160

Farmers

$1,941

$162

Progressive

$1,967

$164

Allstate

$2,340

$195

Progressive

$2,363

$197

State Farm

$2,556

$213

Progressive

$3,202

$267

State Farm

$3,393

$283

State Farm

$4,391

$366

State Farm

$6,528

$544

State Farm

$6,999

$583

State Farm

$9,026

$752

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 (June 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 $1,149. 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

Akron

Allied

$547

Cincinnati

Nationwide

$663

Cincinnati

Allied

$663

Cleveland

Nationwide

$654

Cleveland

Allied

$654

Columbus

Allied

$560

Columbus

Nationwide

$560

Dayton

Nationwide

$603

Dayton

Allied

$603

Toledo

Allied

$662

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?
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 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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