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Cheapest car insurance in Ohio for 2023
The cheapest car insurance in Ohio is written by companies including USAA, Hastings Mutual and Geico.
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What To Know First
Drivers in Ohio need robust coverage to protect themselves in the event of an accident or other vehicle mishap. Bankrate's insurance editorial team, which includes licensed insurance agents, did a thorough review of insurers in the Buckeye State to determine who has the cheapest car insurance in Ohio. We found a handful of companies that consistently offer cheap Ohio car insurance that don’t skimp on quality. No matter what your situation, Bankrate's research might help you find the cheapest car insurance in Ohio for your needs.
- Cheapest company for minimum coverage: State Farm
- Cheapest company for full coverage: Hastings Mutual
- Cheapest company for adding a teen driver: Geico
- Cheapest company for getting a speeding ticket: Auto-Owners
- Cheapest company for being in an at-fault accident: Hastings Mutual
- Cheapest company after a high-risk incident: Progressive
On This Page
- The cheapest car insurance companies in Ohio
- The cheapest car insurance companies in Ohio by coverage level
- Cheapest cities in Ohio for car insurance
- Factors that impact rates in Ohio
- Minimum coverage requirements for Ohio drivers
- How to get the cheapest car insurance in Ohio
- Car insurance discounts in Ohio
- Frequently asked questions
The cheapest car insurance companies in Ohio
It's not impossible to find cheap auto insurance in Ohio. It can help to shop around and gather several quotes before deciding on the company that is best for your needs. You will need to purchase at least your state's minimum required coverage in order to drive legally. Keep in mind that many factors, such as your age, credit score and driving skills, play a role in the rate you pay for auto insurance in Ohio.
Compare auto insurance rates
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Cheapest company in Ohio for minimum coverage
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| State Farm | $20 | $245 |
Cheapest car insurance in Ohio for full coverage
| Average monthly full coverage premium | Average annual full coverage premium | |
|---|---|---|
| Hastings Mutual | $54 | $642 |
Cheapest car insurance company for adding a teen driver
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Geico | $43 | $513 |
Cheapest company for getting a speeding ticket in Ohio
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Auto-Owners | $23 | $280 |
Cheapest company for being in an at-fault accident in Ohio
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Progressive | $32 | $378 |
Cheapest company after a high-risk incident in Ohio
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Western National | $25 | $304 |
The cheapest car insurance companies in Ohio by coverage level
When looking for cheap auto insurance in Ohio, you may be tempted to purchase state-mandated minimum coverage. Minimum coverage will get you on the road legally, but provides a minimum amount of coverage, as the name suggests. Many insurance experts recommend that you purchase full coverage, which includes collision and comprehensive insurance, as well as higher levels of liability coverage, to better protect your finances.
According to rate data analyzed by Quadrant Information Services, the average cost of insurance in Ohio is $338 annually for minimum coverage and $1,266 for full coverage. We also looked at other factors, such as coverage types, discounts and third-party ratings to assign each company a Bankrate Score out of a possible five points to help you better compare insurers. Here are the insurers that we found offer the most generous car insurance savings to policyholders in Ohio on average. Keep in mind that USAA only offers car insurance to active duty military, veterans and qualifying family members.
| Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. State average* |
|---|---|---|---|
|
USAA
4.3
Bankrate Score
|
Average monthly minimum coverage premium
$21
|
Average annual minimum coverage premium
$247
|
Annual savings vs. State average*
- $91 |
|
Erie
3.8
Bankrate Score
|
Average monthly minimum coverage premium
$24
|
Average annual minimum coverage premium
$285
|
Annual savings vs. State average*
- $53 |
|
State Farm
4.2
Bankrate Score
|
Average monthly minimum coverage premium
$20
|
Average annual minimum coverage premium
$245
|
Annual savings vs. State average*
- $93 |
|
Hastings Mutual
|
Average monthly minimum coverage premium
$21
|
Average annual minimum coverage premium
$253
|
Annual savings vs. State average*
- $85 |
|
Frankenmuth
|
Average monthly minimum coverage premium
$23
|
Average annual minimum coverage premium
$277
|
Annual savings vs. State average*
- $61 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with minimum coverage for 2023
| Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. State average* |
|---|---|---|---|
|
Hastings Mutual
|
Average monthly full coverage premium
$54
|
Average annual full coverage premium
$642
|
Annual savings vs. State average*
- $624 |
|
USAA
4.3
Bankrate Score
|
Average monthly full coverage premium
$81
|
Average annual full coverage premium
$966
|
Annual savings vs. State average*
- $300 |
|
Geico
4.4
Bankrate Score
|
Average monthly full coverage premium
$59
|
Average annual full coverage premium
$704
|
Annual savings vs. State average*
- $562 |
|
Central Mutual Insurance
|
Average monthly full coverage premium
$79
|
Average annual full coverage premium
$952
|
Annual savings vs. State average*
- $314 |
|
State Farm
4.2
Bankrate Score
|
Average monthly full coverage premium
$79
|
Average annual full coverage premium
$951
|
Annual savings vs. State average*
- $315 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with full coverage for 2023
Cheapest cities in Ohio for car insurance
Your ZIP code is a factor in determining your auto insurance premium in Ohio. If you live in an urban area with heavy local traffic and a high accident rate, you may pay more for your policy than you would in a more rural area. Likewise, if your neighborhood has more than the average number of car thefts, your rates may be higher. Bankrate did some research to find the cheapest cities in Ohio for minimum and full coverage policies, as well as the car insurance companies that offer the cheapest average rates in those cities, to help give you a better idea of what you might pay depending on where you live in the state.
| City | City average annual minimum coverage premium | Cheapest car insurance company | Company average annual minimum coverage premium |
|---|---|---|---|
| Campbell | $403 | Geico | $251 |
| Toledo | $393 | Geico | $267 |
| Columbus | $387 | USAA | $260 |
| Cleveland | $383 | Geico | $248 |
| Reynoldsburg | $382 | USAA | $244 |
| City | City average annual full coverage premium | Cheapest car insurance company | Company average annual full coverage premium |
|---|---|---|---|
| Oregon | $1,151 | Geico | $650 |
| Strongsville | $1,151 | Hastings Mutual | $552 |
| North Royalton | $1,152 | Hastings Mutual | $552 |
| Canal Fulton | $1,152 | Hastings Mutual | $526 |
| Westlake | $1,153 | Hastings Mutual | $552 |
Factors that impact cheap rates in Ohio
Locking in a low car insurance rate is an objective for many drivers, but keeping rates low may be just as important. A few common life events or changing circumstances can cause your rate to increase, so if you find yourself in one of the following situations, you may find our research into the cheapest car insurance carriers in Ohio for each scenario helpful before you gather car insurance quotes.
Insuring a teen driver
Teen drivers lack experience on the road, which coincides with a higher risk of accidents and subsequent claim payouts. Because of this, car insurance carriers tend to charge higher rates when teen drivers are added to a policy. As the driver ages and establishes a safe driving history, the insurance rate will usually decrease over time, but starting the teen driving years with carriers that offer low average rates and young driver discounts might save you some money up front.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Geico | $513 | $1,494 |
| Progressive | $539 | $1,783 |
| Erie | $560 | $2,468 |
| Hastings Mutual | $594 | $1,411 |
| Allstate | $614 | $3,946 |
Getting a speeding ticket
A speeding ticket conviction, like any other driving incident on your motor vehicle record, can have a detrimental effect on your car insurance rates. Drivers who are convicted of speeding will usually see the violation on their insurance driving records for three to five years, during which time their insurance rate will likely be higher than normal. Practicing safe driving habits can be a great way to avoid speeding tickets and subsequent rate increases and can even make you eligible for additional discounts. In the meantime, Ohio drivers with a single speeding ticket may want to look at these carriers, all of whom offer cheap average rates for drivers in the same situation.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Auto-Owners | $280 | $1,051 |
| Geico | $285 | $871 |
| State Farm | $285 | $1,103 |
| National Mutual Insurance | $296 | $1,102 |
| Erie | $297 | $1,166 |
Getting into an at-fault accident
When you are found to be at fault in an accident, you will typically see a higher insurance premium. If you cause a crash, your insurance rate will usually be surcharged for three to five years, just like a ticket. Some insurers offer accident forgiveness as an endorsement when you purchase a policy, which may help protect your rates against a first-time or minor incident for which you are responsible, but you’ll need to have it on your policy prior to the accident to qualify for the benefits. These car insurance companies offer competitive average rates after an at-fault accident in Ohio.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Hastings Mutual | $259 | $656 |
| Central Mutual Insurance | $306 | $952 |
| State Farm | $321 | $1,219 |
| Geico | $322 | $1,015 |
| Erie | $325 | $1,256 |
Being deemed a high-risk driver
If you are considered a high-risk driver, you will likely pay a much higher insurance premium. High-risk drivers include those who have been convicted of a DUI, which is the most serious infraction, as well as those who have multiple speeding tickets or even those with a bad credit score. Drivers in the high-risk category may have a harder time getting cheap car insurance or qualifying for coverage at all. Keeping your risk variables low, such as improving your credit history or avoiding multiple tickets, can help protect your rates from a steep increase. We also found that these carriers offer cheap average rates to drivers in Ohio with a high-risk incident on their record.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Progressive | $378 | $1,385 |
| State Farm | $379 | $1,405 |
| USAA | $390 | $1,491 |
| Geico | $411 | $1,210 |
| Frankenmuth | $452 | $2,240 |
Minimum coverage requirements for Ohio drivers
Car insurance is a legal requirement in Ohio. You must carry a minimum amount of insurance in order to get behind the wheel in order to protect the financial well-being of yourself and others. The minimum coverage requirements in Ohio include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Drivers who are looking for the most affordable car insurance in Ohio may be drawn to a minimum coverage policy for the upfront savings. However, a minimum coverage policy offers limited coverage in the event of an at-fault crash. Accidents can quickly result in costly damages, liability or medical expenses, which you would be responsible for beyond minimum liability limits if you do not have adequate insurance coverage.
Liability-only insurance, whether it’s minimum limits or higher limits, also does not provide financial reimbursement for any physical damage that occurs to your vehicle. If you lease or finance your vehicle, the financial institution usually requires full coverage to protect the asset’s value.
Here is how to get the cheapest car insurance in Ohio
Getting cheap car insurance in Ohio involves some research, and maintaining your affordable rates can be accomplished with a few key strategies. Here are a few tips for finding and keeping cheap auto insurance in Ohio.
Shop around
As a best practice, you may want to shop around and get multiple quotes before buying a car insurance policy. In addition to doing this when you are purchasing a new policy, you may be able to find lower rates by shopping around before your car insurance policy renews (usually every six months or once a year). This is especially important as you add new drivers, move or experience any other major life events that can impact rates.
Maintain a clean driving record
Your driving habits have perhaps the biggest impact on your car insurance premium. To keep your premium low, maintain a clean driving record — do your best to avoid accidents, speeding tickets and insurance claims.
Car insurance discounts in Ohio
When you are looking at how to save on car insurance in Ohio, your first step should be to check out the discounts available from your chosen insurance carrier. Almost all insurers offer at least a few discounts, and frequently they are easy to qualify for. Here are a few that are often seen in Ohio:
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.