The Cheapest Car Insurance in Ohio (January 2023)

According to the latest January 2023 quotes, Erie offers the cheapest policy for minimum coverage in Ohio. The cheapest option for you may vary based on your driver profile, driving record and coverage level.

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Erie is the cheapest insurer in Ohio for minimum coverage. Nationwide offers the cheapest coverage for teens, full coverage, seniors and drivers with bad credit. American Family is the cheapest for young adult drivers, sports cars and drivers with DUIs or accidents. Auto-Owners Insurance Co is the cheapest for tickets, whereas USAA is the cheapest for military families.

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

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2023

Cheapest Car Insurance Ohio (January 2023)

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Methodology

Why Trust MoneyGeek? Our Ohio car insurance rate study is based on data from the Ohio Department of Insurance and Quadrant Information Services.

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These rates were updated in January 2023 to reflect the cheapest car insurance quotes in Ohio up to this month.

60,776

Quotes Analyzed

 
14

Companies Compared

 
106

ZIP Codes

Cheapest Minimum Liability Car Insurance in Ohio (January 2023)

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

  • Erie: $176 per year
  • Auto-Owners Insurance Co: $219 per year

Opting for State Farm may cost around $1,228, which can be the priciest coverage in the state.

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

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  • Company
    Annual Premium
    Monthly Premium
  • Erie
    $170
    $14
  • Erie
    $176
    $15
  • Nationwide
    $218
    $18
  • Auto-Owners Insurance Co
    $219
    $18
  • Erie
    $220
    $18
  • Auto-Owners Insurance Co
    $223
    $19
  • Progressive
    $225
    $19
  • Nationwide
    $226
    $19
  • Progressive
    $242
    $20
  • Grange Insurance
    $251
    $21
  • American Family
    $257
    $21
  • American Family
    $258
    $21
  • Grange Insurance
    $264
    $22
  • American Family
    $267
    $22
  • Nationwide
    $280
    $23
  • GEICO
    $284
    $24
  • Cincinnati Insurance
    $284
    $24
  • Cincinnati Insurance
    $295
    $25
  • Grange Insurance
    $296
    $25
  • Westfield
    $300
    $25
  • Progressive
    $304
    $25
  • Auto-Owners Insurance Co
    $317
    $26
  • Westfield
    $327
    $27
  • GEICO
    $336
    $28
  • Travelers
    $345
    $29
  • Westfield
    $349
    $29
  • Cincinnati Insurance
    $350
    $29
  • Travelers
    $376
    $31
  • Farmers
    $379
    $32
  • GEICO
    $380
    $32
  • Farmers
    $391
    $33
  • Travelers
    $399
    $33
  • Farmers
    $447
    $37
  • Nationwide
    $448
    $37
  • American Family
    $464
    $39
  • Allstate
    $482
    $40
  • Nationwide
    $485
    $40
  • American Family
    $497
    $41
  • Allstate
    $508
    $42
  • American Family
    $516
    $43
  • Auto-Owners Insurance Co
    $518
    $43
  • Erie
    $521
    $43
  • Erie
    $534
    $44
  • GEICO
    $537
    $45
  • Auto-Owners Insurance Co
    $542
    $45
  • Grange Insurance
    $554
    $46
  • Grange Insurance
    $567
    $47
  • Allstate
    $572
    $48
  • Nationwide
    $582
    $48
  • GEICO
    $597
    $50
  • Progressive
    $635
    $53
  • Cincinnati Insurance
    $651
    $54
  • Erie
    $671
    $56
  • Farmers
    $678
    $57
  • Travelers
    $688
    $57
  • Grange Insurance
    $689
    $57
  • Travelers
    $692
    $58
  • Progressive
    $697
    $58
  • Farmers
    $709
    $59
  • Cincinnati Insurance
    $711
    $59
  • GEICO
    $762
    $64
  • Westfield
    $773
    $64
  • Auto-Owners Insurance Co
    $781
    $65
  • Westfield
    $800
    $67
  • Allstate
    $811
    $68
  • Allstate
    $820
    $68
  • Travelers
    $824
    $69
  • Farmers
    $849
    $71
  • Cincinnati Insurance
    $865
    $72
  • Progressive
    $900
    $75
  • Westfield
    $1,006
    $84
  • Allstate
    $1,036
    $86
  • State Farm
    $1,228
    $102
  • State Farm
    $1,629
    $136
  • State Farm
    $2,006
    $167
  • State Farm
    $2,110
    $176
  • State Farm
    $2,549
    $212
  • State Farm
    $3,477
    $290

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 own car. This is something to consider if you need financial assistance in case of an accident.

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Cheapest Full Coverage Car Insurance in Ohio (January 2023)

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

  • Nationwide: $485 per year
  • American Family: $497 per year

State Farm is the most expensive option, at approximately $2,006 per year.

In general, full coverage car insurance costs more than minimum coverage. For example, a full coverage policy with Erie costs around $358 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.

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  • Company
    Annual Premium
    Monthly Premium
  • Erie
    $170
    $14
  • Erie
    $176
    $15
  • Nationwide
    $218
    $18
  • Auto-Owners Insurance Co
    $219
    $18
  • Erie
    $220
    $18
  • Auto-Owners Insurance Co
    $223
    $19
  • Progressive
    $225
    $19
  • Nationwide
    $226
    $19
  • Progressive
    $242
    $20
  • Grange Insurance
    $251
    $21
  • American Family
    $257
    $21
  • American Family
    $258
    $21
  • Grange Insurance
    $264
    $22
  • American Family
    $267
    $22
  • Nationwide
    $280
    $23
  • GEICO
    $284
    $24
  • Cincinnati Insurance
    $284
    $24
  • Cincinnati Insurance
    $295
    $25
  • Grange Insurance
    $296
    $25
  • Westfield
    $300
    $25
  • Progressive
    $304
    $25
  • Auto-Owners Insurance Co
    $317
    $26
  • Westfield
    $327
    $27
  • GEICO
    $336
    $28
  • Travelers
    $345
    $29
  • Westfield
    $349
    $29
  • Cincinnati Insurance
    $350
    $29
  • Travelers
    $376
    $31
  • Farmers
    $379
    $32
  • GEICO
    $380
    $32
  • Farmers
    $391
    $33
  • Travelers
    $399
    $33
  • Farmers
    $447
    $37
  • Nationwide
    $448
    $37
  • American Family
    $464
    $39
  • Allstate
    $482
    $40
  • Nationwide
    $485
    $40
  • American Family
    $497
    $41
  • Allstate
    $508
    $42
  • American Family
    $516
    $43
  • Auto-Owners Insurance Co
    $518
    $43
  • Erie
    $521
    $43
  • Erie
    $534
    $44
  • GEICO
    $537
    $45
  • Auto-Owners Insurance Co
    $542
    $45
  • Grange Insurance
    $554
    $46
  • Grange Insurance
    $567
    $47
  • Allstate
    $572
    $48
  • Nationwide
    $582
    $48
  • GEICO
    $597
    $50
  • Progressive
    $635
    $53
  • Cincinnati Insurance
    $651
    $54
  • Erie
    $671
    $56
  • Farmers
    $678
    $57
  • Travelers
    $688
    $57
  • Grange Insurance
    $689
    $57
  • Travelers
    $692
    $58
  • Progressive
    $697
    $58
  • Farmers
    $709
    $59
  • Cincinnati Insurance
    $711
    $59
  • GEICO
    $762
    $64
  • Westfield
    $773
    $64
  • Auto-Owners Insurance Co
    $781
    $65
  • Westfield
    $800
    $67
  • Allstate
    $811
    $68
  • Allstate
    $820
    $68
  • Travelers
    $824
    $69
  • Farmers
    $849
    $71
  • Cincinnati Insurance
    $865
    $72
  • Progressive
    $900
    $75
  • Westfield
    $1,006
    $84
  • Allstate
    $1,036
    $86
  • State Farm
    $1,228
    $102
  • State Farm
    $1,629
    $136
  • State Farm
    $2,006
    $167
  • State Farm
    $2,110
    $176
  • State Farm
    $2,549
    $212
  • State Farm
    $3,477
    $290

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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USAA

Cheapest Car Insurance in Ohio for Teens and Their Families (January 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. Among the teenagers, 19-year-olds are the most privileged enough to enjoy the lowest rates possible. 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. Male teens in Ohio may save around $2,164 by getting added to their parent’s insurance policy rather than getting their own.

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  • 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
tip icon
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 Insurance Co, 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 (January 2023)

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

  • American Family: $516 per year
  • Nationwide: $582 per year

State Farm may have the highest average policy cost for young drivers in Ohio at roughly $3,477.

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

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  • Company
    Annual Premium
    Monthly Premium
  • Erie
    $170
    $14
  • Erie
    $176
    $15
  • Nationwide
    $218
    $18
  • Auto-Owners Insurance Co
    $219
    $18
  • Erie
    $220
    $18
  • Auto-Owners Insurance Co
    $223
    $19
  • Progressive
    $225
    $19
  • Nationwide
    $226
    $19
  • Progressive
    $242
    $20
  • Grange Insurance
    $251
    $21
  • American Family
    $257
    $21
  • American Family
    $258
    $21
  • Grange Insurance
    $264
    $22
  • American Family
    $267
    $22
  • Nationwide
    $280
    $23
  • GEICO
    $284
    $24
  • Cincinnati Insurance
    $284
    $24
  • Cincinnati Insurance
    $295
    $25
  • Grange Insurance
    $296
    $25
  • Westfield
    $300
    $25
  • Progressive
    $304
    $25
  • Auto-Owners Insurance Co
    $317
    $26
  • Westfield
    $327
    $27
  • GEICO
    $336
    $28
  • Travelers
    $345
    $29
  • Westfield
    $349
    $29
  • Cincinnati Insurance
    $350
    $29
  • Travelers
    $376
    $31
  • Farmers
    $379
    $32
  • GEICO
    $380
    $32
  • Farmers
    $391
    $33
  • Travelers
    $399
    $33
  • Farmers
    $447
    $37
  • Nationwide
    $448
    $37
  • American Family
    $464
    $39
  • Allstate
    $482
    $40
  • Nationwide
    $485
    $40
  • American Family
    $497
    $41
  • Allstate
    $508
    $42
  • American Family
    $516
    $43
  • Auto-Owners Insurance Co
    $518
    $43
  • Erie
    $521
    $43
  • Erie
    $534
    $44
  • GEICO
    $537
    $45
  • Auto-Owners Insurance Co
    $542
    $45
  • Grange Insurance
    $554
    $46
  • Grange Insurance
    $567
    $47
  • Allstate
    $572
    $48
  • Nationwide
    $582
    $48
  • GEICO
    $597
    $50
  • Progressive
    $635
    $53
  • Cincinnati Insurance
    $651
    $54
  • Erie
    $671
    $56
  • Farmers
    $678
    $57
  • Travelers
    $688
    $57
  • Grange Insurance
    $689
    $57
  • Travelers
    $692
    $58
  • Progressive
    $697
    $58
  • Farmers
    $709
    $59
  • Cincinnati Insurance
    $711
    $59
  • GEICO
    $762
    $64
  • Westfield
    $773
    $64
  • Auto-Owners Insurance Co
    $781
    $65
  • Westfield
    $800
    $67
  • Allstate
    $811
    $68
  • Allstate
    $820
    $68
  • Travelers
    $824
    $69
  • Farmers
    $849
    $71
  • Cincinnati Insurance
    $865
    $72
  • Progressive
    $900
    $75
  • Westfield
    $1,006
    $84
  • Allstate
    $1,036
    $86
  • State Farm
    $1,228
    $102
  • State Farm
    $1,629
    $136
  • State Farm
    $2,006
    $167
  • State Farm
    $2,110
    $176
  • State Farm
    $2,549
    $212
  • State Farm
    $3,477
    $290

Cheapest Car Insurance in Ohio for Seniors (January 2023)

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

  • Nationwide: $448 per year
  • American Family: $464 per year

State Farm customers generally pay the highest average policy cost, at $2,549.

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.

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  • Company
    Annual Premium
    Monthly Premium
  • Erie
    $170
    $14
  • Erie
    $176
    $15
  • Nationwide
    $218
    $18
  • Auto-Owners Insurance Co
    $219
    $18
  • Erie
    $220
    $18
  • Auto-Owners Insurance Co
    $223
    $19
  • Progressive
    $225
    $19
  • Nationwide
    $226
    $19
  • Progressive
    $242
    $20
  • Grange Insurance
    $251
    $21
  • American Family
    $257
    $21
  • American Family
    $258
    $21
  • Grange Insurance
    $264
    $22
  • American Family
    $267
    $22
  • Nationwide
    $280
    $23
  • GEICO
    $284
    $24
  • Cincinnati Insurance
    $284
    $24
  • Cincinnati Insurance
    $295
    $25
  • Grange Insurance
    $296
    $25
  • Westfield
    $300
    $25
  • Progressive
    $304
    $25
  • Auto-Owners Insurance Co
    $317
    $26
  • Westfield
    $327
    $27
  • GEICO
    $336
    $28
  • Travelers
    $345
    $29
  • Westfield
    $349
    $29
  • Cincinnati Insurance
    $350
    $29
  • Travelers
    $376
    $31
  • Farmers
    $379
    $32
  • GEICO
    $380
    $32
  • Farmers
    $391
    $33
  • Travelers
    $399
    $33
  • Farmers
    $447
    $37
  • Nationwide
    $448
    $37
  • American Family
    $464
    $39
  • Allstate
    $482
    $40
  • Nationwide
    $485
    $40
  • American Family
    $497
    $41
  • Allstate
    $508
    $42
  • American Family
    $516
    $43
  • Auto-Owners Insurance Co
    $518
    $43
  • Erie
    $521
    $43
  • Erie
    $534
    $44
  • GEICO
    $537
    $45
  • Auto-Owners Insurance Co
    $542
    $45
  • Grange Insurance
    $554
    $46
  • Grange Insurance
    $567
    $47
  • Allstate
    $572
    $48
  • Nationwide
    $582
    $48
  • GEICO
    $597
    $50
  • Progressive
    $635
    $53
  • Cincinnati Insurance
    $651
    $54
  • Erie
    $671
    $56
  • Farmers
    $678
    $57
  • Travelers
    $688
    $57
  • Grange Insurance
    $689
    $57
  • Travelers
    $692
    $58
  • Progressive
    $697
    $58
  • Farmers
    $709
    $59
  • Cincinnati Insurance
    $711
    $59
  • GEICO
    $762
    $64
  • Westfield
    $773
    $64
  • Auto-Owners Insurance Co
    $781
    $65
  • Westfield
    $800
    $67
  • Allstate
    $811
    $68
  • Allstate
    $820
    $68
  • Travelers
    $824
    $69
  • Farmers
    $849
    $71
  • Cincinnati Insurance
    $865
    $72
  • Progressive
    $900
    $75
  • Westfield
    $1,006
    $84
  • Allstate
    $1,036
    $86
  • State Farm
    $1,228
    $102
  • State Farm
    $1,629
    $136
  • State Farm
    $2,006
    $167
  • State Farm
    $2,110
    $176
  • State Farm
    $2,549
    $212
  • State Farm
    $3,477
    $290

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 in Ohio After a Ticket, Accident or DUI (January 2023)

Insurers tend to charge higher premiums to drivers with violations on their records. The cheapest car insurance if you have a speeding ticket is from Auto-Owners Insurance Co. If you were in an at-fault accident or have a DUI on your record, you can get the lowest rates from American Family.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: Auto-Owners Insurance Co ($547 per year)
Cheapest after an accident: American Family ($639 per year)
Cheapest after a DUI: American Family ($619 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:

  • Auto-Owners Insurance Co: $547 per year
  • Erie: $579 per year

State Farm provides the most expensive rates, at approximately $3,026.

On average, drivers with a ticket pay up to $147 more for car insurance than those without a ticket.

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  • Company
    Annual Premium
    Monthly Premium
  • Erie
    $189
    $16
  • Erie
    $193
    $16
  • Auto-Owners Insurance Co
    $221
    $18
  • Auto-Owners Insurance Co
    $223
    $19
  • Erie
    $244
    $20
  • Nationwide
    $282
    $23
  • Nationwide
    $293
    $24
  • Progressive
    $313
    $26
  • Auto-Owners Insurance Co
    $317
    $26
  • American Family
    $320
    $27
  • American Family
    $321
    $27
  • American Family
    $328
    $27
  • Progressive
    $333
    $28
  • Cincinnati Insurance
    $335
    $28
  • Cincinnati Insurance
    $349
    $29
  • Nationwide
    $351
    $29
  • GEICO
    $352
    $29
  • Westfield
    $356
    $30
  • Progressive
    $377
    $31
  • Grange Insurance
    $383
    $32
  • Grange Insurance
    $389
    $32
  • Westfield
    $392
    $33
  • GEICO
    $399
    $33
  • Cincinnati Insurance
    $414
    $34
  • Westfield
    $417
    $35
  • Grange Insurance
    $427
    $36
  • GEICO
    $443
    $37
  • Farmers
    $471
    $39
  • Travelers
    $472
    $39
  • Travelers
    $495
    $41
  • Farmers
    $511
    $43
  • Auto-Owners Insurance Co
    $518
    $43
  • Farmers
    $539
    $45
  • Travelers
    $539
    $45
  • Auto-Owners Insurance Co
    $547
    $46
  • Erie
    $568
    $47
  • Nationwide
    $574
    $48
  • Erie
    $579
    $48
  • American Family
    $581
    $48
  • Allstate
    $587
    $49
  • Allstate
    $601
    $50
  • Nationwide
    $617
    $51
  • American Family
    $619
    $52
  • American Family
    $639
    $53
  • Allstate
    $671
    $56
  • GEICO
    $702
    $58
  • Nationwide
    $722
    $60
  • Erie
    $731
    $61
  • GEICO
    $754
    $63
  • Cincinnati Insurance
    $768
    $64
  • Auto-Owners Insurance Co
    $781
    $65
  • Grange Insurance
    $818
    $68
  • Cincinnati Insurance
    $840
    $70
  • Grange Insurance
    $892
    $74
  • Progressive
    $907
    $76
  • Farmers
    $913
    $76
  • Farmers
    $916
    $76
  • GEICO
    $916
    $76
  • Progressive
    $923
    $77
  • Westfield
    $925
    $77
  • Westfield
    $946
    $79
  • Allstate
    $975
    $81
  • Travelers
    $982
    $82
  • Grange Insurance
    $990
    $83
  • Cincinnati Insurance
    $1,021
    $85
  • Allstate
    $1,030
    $86
  • Travelers
    $1,039
    $87
  • Farmers
    $1,055
    $88
  • Travelers
    $1,071
    $89
  • Progressive
    $1,124
    $94
  • Westfield
    $1,205
    $100
  • Allstate
    $1,266
    $105
  • State Farm
    $1,810
    $151
  • State Farm
    $1,923
    $160
  • State Farm
    $2,344
    $195
  • State Farm
    $2,826
    $236
  • State Farm
    $3,026
    $252
  • State Farm
    $3,854
    $321

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: $639 per year
  • Erie: $725 per year

State Farm is the most expensive insurance provider, costing an average of $3,322 per year for drivers with at-fault accidents.

You may likely have to pay around $302 more for car insurance than the average driver with a clean record if you are at fault in an accident.

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  • Company
    Annual Premium
    Monthly Premium
  • Erie
    $249
    $21
  • Erie
    $252
    $21
  • Erie
    $318
    $27
  • American Family
    $326
    $27
  • American Family
    $327
    $27
  • American Family
    $334
    $28
  • Auto-Owners Insurance Co
    $346
    $29
  • Auto-Owners Insurance Co
    $349
    $29
  • Grange Insurance
    $350
    $29
  • Nationwide
    $355
    $30
  • Grange Insurance
    $357
    $30
  • Nationwide
    $369
    $31
  • Grange Insurance
    $414
    $34
  • Nationwide
    $438
    $36
  • Progressive
    $442
    $37
  • GEICO
    $464
    $39
  • Progressive
    $482
    $40
  • Auto-Owners Insurance Co
    $495
    $41
  • Travelers
    $500
    $42
  • Progressive
    $503
    $42
  • Westfield
    $503
    $42
  • Travelers
    $524
    $44
  • Cincinnati Insurance
    $528
    $44
  • Westfield
    $533
    $44
  • GEICO
    $542
    $45
  • Cincinnati Insurance
    $549
    $46
  • Westfield
    $555
    $46
  • Travelers
    $573
    $48
  • GEICO
    $594
    $49
  • American Family
    $601
    $50
  • Farmers
    $613
    $51
  • American Family
    $639
    $53
  • Cincinnati Insurance
    $651
    $54
  • American Family
    $662
    $55
  • Farmers
    $675
    $56
  • Allstate
    $676
    $56
  • Farmers
    $688
    $57
  • Allstate
    $695
    $58
  • Erie
    $715
    $60
  • Nationwide
    $716
    $60
  • Erie
    $725
    $60
  • Nationwide
    $767
    $64
  • Auto-Owners Insurance Co
    $769
    $64
  • Allstate
    $785
    $65
  • Grange Insurance
    $799
    $67
  • Auto-Owners Insurance Co
    $802
    $67
  • Grange Insurance
    $821
    $68
  • Grange Insurance
    $824
    $69
  • Nationwide
    $892
    $74
  • Erie
    $916
    $76
  • GEICO
    $934
    $78
  • GEICO
    $1,017
    $85
  • Travelers
    $1,026
    $86
  • Travelers
    $1,092
    $91
  • Farmers
    $1,114
    $93
  • Travelers
    $1,120
    $93
  • Farmers
    $1,144
    $95
  • Allstate
    $1,149
    $96
  • Auto-Owners Insurance Co
    $1,159
    $97
  • Westfield
    $1,171
    $98
  • Westfield
    $1,188
    $99
  • Cincinnati Insurance
    $1,210
    $101
  • Allstate
    $1,217
    $101
  • GEICO
    $1,218
    $101
  • Progressive
    $1,221
    $102
  • Progressive
    $1,263
    $105
  • Farmers
    $1,268
    $106
  • Cincinnati Insurance
    $1,324
    $110
  • Westfield
    $1,405
    $117
  • Progressive
    $1,444
    $120
  • Allstate
    $1,507
    $126
  • Cincinnati Insurance
    $1,609
    $134
  • State Farm
    $1,992
    $166
  • State Farm
    $2,116
    $176
  • State Farm
    $2,579
    $215
  • State Farm
    $3,103
    $259
  • State Farm
    $3,322
    $277
  • State Farm
    $4,231
    $353

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: $619 per year
  • Progressive: $841 per year

State Farm is the most expensive option, at approximately $3,026.

The average premium for drivers with a DUI is $403 more than it is for drivers with clean records.

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  • Company
    Annual Premium
    Monthly Premium
  • Progressive
    $292
    $24
  • Progressive
    $307
    $26
  • Erie
    $308
    $26
  • Erie
    $311
    $26
  • American Family
    $320
    $27
  • American Family
    $321
    $27
  • American Family
    $328
    $27
  • Progressive
    $355
    $30
  • Erie
    $393
    $33
  • Grange Insurance
    $420
    $35
  • Grange Insurance
    $428
    $36
  • Nationwide
    $442
    $37
  • Nationwide
    $456
    $38
  • Grange Insurance
    $470
    $39
  • Auto-Owners Insurance Co
    $499
    $42
  • Auto-Owners Insurance Co
    $502
    $42
  • Nationwide
    $525
    $44
  • Farmers
    $543
    $45
  • Travelers
    $557
    $46
  • American Family
    $581
    $48
  • Travelers
    $585
    $49
  • Farmers
    $603
    $50
  • Farmers
    $611
    $51
  • American Family
    $619
    $52
  • Allstate
    $629
    $52
  • Travelers
    $637
    $53
  • American Family
    $639
    $53
  • Allstate
    $646
    $54
  • GEICO
    $677
    $56
  • Cincinnati Insurance
    $693
    $58
  • Auto-Owners Insurance Co
    $713
    $59
  • Cincinnati Insurance
    $720
    $60
  • Allstate
    $725
    $60
  • GEICO
    $773
    $64
  • GEICO
    $810
    $67
  • Progressive
    $841
    $70
  • Progressive
    $853
    $71
  • Cincinnati Insurance
    $856
    $71
  • Erie
    $863
    $72
  • Erie
    $872
    $73
  • Nationwide
    $888
    $74
  • Grange Insurance
    $913
    $76
  • Nationwide
    $939
    $78
  • Westfield
    $976
    $81
  • Farmers
    $997
    $83
  • Grange Insurance
    $998
    $83
  • Westfield
    $1,006
    $84
  • Farmers
    $1,022
    $85
  • Westfield
    $1,028
    $86
  • Progressive
    $1,051
    $88
  • Allstate
    $1,064
    $89
  • Nationwide
    $1,064
    $89
  • Auto-Owners Insurance Co
    $1,077
    $90
  • Erie
    $1,100
    $92
  • Grange Insurance
    $1,110
    $92
  • Auto-Owners Insurance Co
    $1,117
    $93
  • Allstate
    $1,125
    $94
  • Farmers
    $1,139
    $95
  • Travelers
    $1,140
    $95
  • Travelers
    $1,213
    $101
  • Travelers
    $1,242
    $103
  • GEICO
    $1,289
    $107
  • Allstate
    $1,391
    $116
  • GEICO
    $1,465
    $122
  • GEICO
    $1,568
    $131
  • Cincinnati Insurance
    $1,589
    $132
  • Auto-Owners Insurance Co
    $1,623
    $135
  • Cincinnati Insurance
    $1,737
    $145
  • State Farm
    $1,810
    $151
  • State Farm
    $1,923
    $160
  • Westfield
    $2,090
    $174
  • Westfield
    $2,107
    $176
  • Cincinnati Insurance
    $2,115
    $176
  • Westfield
    $2,323
    $194
  • State Farm
    $2,344
    $195
  • State Farm
    $2,826
    $236
  • State Farm
    $3,026
    $252
  • State Farm
    $3,854
    $321

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

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

  • Nationwide: $647 per year
  • Grange Insurance: $781 per year

You may find that the most expensive option is State Farm, at around $6,111.

Drivers with poor credit pay $553 more on average than those with good credit above 750.

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  • Company
    Annual Premium
    Monthly Premium
  • Nationwide
    $290
    $24
  • Nationwide
    $302
    $25
  • Grange Insurance
    $339
    $28
  • Grange Insurance
    $341
    $28
  • Erie
    $348
    $29
  • Erie
    $356
    $30
  • Grange Insurance
    $371
    $31
  • Progressive
    $376
    $31
  • Nationwide
    $378
    $32
  • Progressive
    $410
    $34
  • GEICO
    $416
    $35
  • American Family
    $418
    $35
  • American Family
    $422
    $35
  • Cincinnati Insurance
    $428
    $36
  • Cincinnati Insurance
    $446
    $37
  • Erie
    $450
    $37
  • American Family
    $450
    $38
  • GEICO
    $475
    $40
  • Progressive
    $508
    $42
  • Cincinnati Insurance
    $529
    $44
  • GEICO
    $548
    $46
  • Travelers
    $549
    $46
  • Westfield
    $550
    $46
  • Farmers
    $557
    $46
  • Travelers
    $573
    $48
  • Farmers
    $577
    $48
  • Nationwide
    $594
    $49
  • Auto-Owners Insurance Co
    $606
    $50
  • Westfield
    $606
    $50
  • Auto-Owners Insurance Co
    $610
    $51
  • Travelers
    $614
    $51
  • Westfield
    $646
    $54
  • Nationwide
    $647
    $54
  • Farmers
    $658
    $55
  • Allstate
    $667
    $56
  • Allstate
    $684
    $57
  • Grange Insurance
    $712
    $59
  • American Family
    $773
    $64
  • Allstate
    $774
    $64
  • Grange Insurance
    $781
    $65
  • Nationwide
    $787
    $66
  • American Family
    $829
    $69
  • GEICO
    $843
    $70
  • Auto-Owners Insurance Co
    $866
    $72
  • Grange Insurance
    $874
    $73
  • American Family
    $874
    $73
  • GEICO
    $888
    $74
  • Cincinnati Insurance
    $982
    $82
  • Cincinnati Insurance
    $1,072
    $89
  • Farmers
    $1,076
    $90
  • Travelers
    $1,083
    $90
  • Travelers
    $1,088
    $91
  • Progressive
    $1,112
    $93
  • Farmers
    $1,119
    $93
  • GEICO
    $1,149
    $96
  • Erie
    $1,173
    $98
  • Allstate
    $1,190
    $99
  • Erie
    $1,196
    $100
  • Progressive
    $1,224
    $102
  • Travelers
    $1,267
    $106
  • Allstate
    $1,271
    $106
  • Cincinnati Insurance
    $1,306
    $109
  • Farmers
    $1,343
    $112
  • Westfield
    $1,395
    $116
  • Westfield
    $1,425
    $119
  • Auto-Owners Insurance Co
    $1,446
    $121
  • Erie
    $1,508
    $126
  • Auto-Owners Insurance Co
    $1,530
    $127
  • Allstate
    $1,577
    $131
  • Progressive
    $1,579
    $132
  • Westfield
    $1,808
    $151
  • Auto-Owners Insurance Co
    $2,196
    $183
  • State Farm
    $3,647
    $304
  • State Farm
    $3,875
    $323
  • State Farm
    $4,722
    $393
  • State Farm
    $5,705
    $475
  • State Farm
    $6,111
    $509
  • State Farm
    $7,780
    $648

Insurers may use credit scores to determine your 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 (January 2023)

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

  • American Family: $457 per year
  • Auto-Owners Insurance Co: $553 per year

State Farm offers the highest-priced option, at around $3,332.

The average sports car driver pays about $106 more for car insurance than the average Toyota Camry driver.

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  • Company
    Annual Premium
    Monthly Premium
  • Progressive
    $207
    $17
  • Auto-Owners Insurance Co
    $221
    $18
  • Auto-Owners Insurance Co
    $223
    $19
  • Progressive
    $230
    $19
  • Nationwide
    $231
    $19
  • Nationwide
    $241
    $20
  • GEICO
    $252
    $21
  • American Family
    $253
    $21
  • American Family
    $254
    $21
  • American Family
    $264
    $22
  • GEICO
    $282
    $24
  • Farmers
    $292
    $24
  • Progressive
    $295
    $25
  • Nationwide
    $299
    $25
  • Farmers
    $301
    $25
  • Travelers
    $312
    $26
  • GEICO
    $316
    $26
  • Auto-Owners Insurance Co
    $317
    $26
  • Travelers
    $331
    $28
  • Farmers
    $343
    $29
  • Travelers
    $350
    $29
  • American Family
    $428
    $36
  • American Family
    $457
    $38
  • Allstate
    $463
    $39
  • Allstate
    $472
    $39
  • American Family
    $473
    $39
  • Allstate
    $515
    $43
  • Auto-Owners Insurance Co
    $527
    $44
  • Auto-Owners Insurance Co
    $553
    $46
  • Nationwide
    $599
    $50
  • Farmers
    $614
    $51
  • Farmers
    $655
    $55
  • Nationwide
    $660
    $55
  • Travelers
    $663
    $55
  • GEICO
    $669
    $56
  • GEICO
    $669
    $56
  • Travelers
    $678
    $56
  • Progressive
    $741
    $62
  • Farmers
    $790
    $66
  • Auto-Owners Insurance Co
    $795
    $66
  • Travelers
    $800
    $67
  • Nationwide
    $800
    $67
  • Allstate
    $828
    $69
  • Allstate
    $884
    $74
  • Progressive
    $887
    $74
  • GEICO
    $904
    $75
  • Allstate
    $1,080
    $90
  • Progressive
    $1,197
    $100
  • State Farm
    $1,809
    $151
  • State Farm
    $1,922
    $160
  • State Farm
    $2,342
    $195
  • State Farm
    $3,108
    $259
  • State Farm
    $3,332
    $278
  • State Farm
    $4,292
    $358

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 (January 2023)

We found that USAA is the cheapest car insurance company for an active-duty or military veteran, costing around $476 per year. USAA tailors its car insurance policies to the needs of military personnel and their families across the U.S.

mglogo
MoneyGeek Top Pick
USAA
  • $476 per year
  • Ranks first out of 14 in affordability

USAA is the cheapest option for drivers in Ohio that are military members. The insurer offers mileage, new vehicle and vehicle storage discounts to help customers save money. In addition, USAA has discounts for bundling, defensive driving and completing a driver’s education program.

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 $518 per year with American Family. American Family is also the cheapest in Dayton, but policies there cost an average of $580 per year. The most expensive policies are in Toledo from Erie at around $614 annually.

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  • City
    Cheapest Company
    Annual Premium
  • Akron
    American Family
    $518
  • Cincinnati
    American Family
    $597
  • Cleveland
    American Family
    $550
  • Columbus
    American Family
    $547
  • Dayton
    American Family
    $580
  • Toledo
    Erie
    $614

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.

  • This is an 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.

  • This is an 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 your car, your financing 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. 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 the Author


expert-profile

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


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