Car Insurance in Ohio: How to Find the Policy That Fits You

MoneyGeek has analysis and solutions for all your car insurance needs in Ohio. Select the profile below that best fits your situation.

Find the Best or Cheapest Car Insurance in Ohio

To find the most affordable companies for car insurance in Ohio, MoneyGeek gathered and analyzed thousands of quotes from different insurers. Using our unique scoring system, we also determined the best providers that balance cost and affordability.

If you want to know how much you’ll pay for a policy, MoneyGeek calculated car insurance costs based on various factors, such as age, driving record and more.

MoneyGeek evaluated the cheapest and best car insurance in Ohio for certain types of drivers. The table below will provide a brief summary of what you can expect. Note that all recommendations listed are for a full coverage policy unless stated otherwise.

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THE CHEAPEST CAR INSURANCE COMPANIES IN OHIO
  • Minimum liability: Erie
  • Full coverage: GEICO
  • Drivers with a DUI: American Family
  • After an accident: American Family
  • Drivers with a ticket: Erie
  • Drivers with bad credit: GEICO
  • Senior drivers: Erie
  • Student drivers: GEICO
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THE BEST CAR INSURANCE COMPANIES IN OHIO
  • Overall: Erie
  • Customer Service: Erie
  • On a Budget: Erie
  • Poor Driving Record: Erie
  • Military: USAA
  • Young Drivers: Allstate
  • New Cars: Erie
  • Low-Mileage Drivers: Nationwide

Get an Ohio Car Insurance Quote

Quotes for car insurance in Ohio can differ by as much as $532 yearly for the same driver across different companies. It’s best to gather and compare quotes from various insurers to find the cheapest rates. Getting quotes from insurance providers shouldn’t be too time-consuming.

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Car Insurance Laws in Ohio

MoneyGeek provided resources to help you understand Ohio car insurance laws and requirements. The state requires drivers to carry a policy with at least the following liability insurance coverages:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

It’s important to think about how much car insurance you need and what coverage levels you should get. Since Ohio only mandates low liability limits and doesn’t require comprehensive and collision insurance, these may not be enough to cover your car insurance needs.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN OHIO?

In Ohio, high-risk drivers, like those with a DUI, must file an SR-22 for proof of insurance. MoneyGeek broke down how much you can expect to pay for insurance with an SR-22 in Ohio and explained how to file the form with your insurer.

Specialty Car Insurance in Ohio

Sometimes, traditional car insurance is not the right option for your needs. MoneyGeek explored the alternative forms of car insurance in Ohio to help you make the right decision. These include non-owner, temporary and low-income car insurance. Learn more about these specialty policies below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

This option is ideal for Ohio drivers who don’t own a car but need proof of insurance.

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Temporary car insurance

If you only need coverage for a few months, you may get temporary car insurance in Ohio by buying and canceling a policy early.

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Car insurance for low-income drivers

Even though Ohio doesn’t have a car insurance assistance program, drivers can still save money by looking at options for low-income car insurance in Ohio.

About the Author


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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.