Drivers in Ohio pay an average of $328 annually for full coverage and $1,034 per year for full coverage car insurance. These low rates are possible due in part to the fact that, although the state has over 8 million licensed drivers, large swaths of Ohio are relatively rural. This could mean that, in much of the state, roadway congestion is relatively low, which might lead to a lower incidence of accidents.
Although average rates in The Buckeye State are significantly lower than the national average cost of car insurance, you may still be looking for the cheapest car insurance in Ohio. Bankrate’s insurance editorial team has conducted research that could help you find the car insurance coverage you need at a lower price.
The cheapest car insurance companies in Ohio
Bankrate partnered with Quadrant Information Services to obtain up-to-date quoted premium information for the largest insurance companies by market share in Ohio. We then analyzed the average premiums, in conjunction with available coverages, discounts and third-party ratings.
If you are searching for the best cheap car insurance in Ohio, these companies could be a good place to start:
|Car insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Although not everyone qualifies for USAA coverage — it is only available if you are a current or former military member or an immediate family member — the company does offer the lowest average minimum and full coverage premiums on our list. If you are eligible for coverage, you may want to consider a quote from USAA.
On top of its low average premiums, USAA is highly ranked for customer satisfaction. Although the company does not qualify for an official J.D. Power ranking due to the eligibility restrictions, USAA receives consistently high scores. The company also offers several ways to save, including discounts for new cars, garaging your vehicle on a military base and having low annual mileage on your vehicle.
Learn more: USAA insurance review
In addition to affordable rates, Erie also offers robust policy options. This company may be a good choice for Ohio drivers who want a low premium without sacrificing quality of coverage. Erie’s car insurance policies include unique coverages, like pet coverage, glass repair, locksmith services, personal item coverage and more.
Some of Erie’s discounts include usage-based savings and lower rates for drivers under 21 who live with their parents. Erie also offers a rate lock guarantee, which means your premium will not increase until you make changes to the policy, like adding a car or driver. There is also a diminishing deductible program that will lower your deductible by $100 for every claim-free policy year, up to $500.
Learn more: Erie insurance review
State Farm is the largest personal auto insurance company in the nation. Although its prices are not the cheapest on our list, State Farm’s average rates are still well below Ohio’s average rates. If you prefer to handle your insurance needs in person, State Farm might be a good choice, since it sells its products through a network of agents.
The company offers numerous discounts, including two safe driving programs. Drive Safe & Save is geared toward adults, while Steer Clear is tailored toward teen drivers. You might also save for insuring more than one policy with State Farm, being a safe driver or having certain vehicle safety features installed on your car.
Learn more: State Farm insurance review
On top of its low average rates, Geico offers one of the longest lists of available discounts in the industry. You might save for having certain vehicle safety features, being a federal employee or member of the military, insuring a new car or purchasing more than one policy from Geico.
If you like handling your insurance online or via a mobile app, Geico might be a good choice. The company’s app allows you to file claims, call for roadside assistance, pay bills and make changes to your policy. The app has over 2.7 million reviews on the App Store and has a rating of 4.8 out of 5.0. Over 375,000 people have left reviews on Google Play, giving the app an average score of 4.7 out of 5.0.
Learn more: Geico insurance review
If you are looking for a company with a long history in Ohio, Westfield might be a good choice. Westfield is one of the largest non-public companies in the state and a major employer of Buckeyes. However, the company’s policies are fairly basic, with only a few options for customization.
Although Westfield’s average full coverage is higher than Ohio’s average, the company may provide you with options to save, although no specific discounts are advertised on its website. Local Westfield agents may be able to help you identify savings opportunities.
Learn more: Westfield insurance review
Minimum coverage requirements for Ohio drivers
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
Although there are other ways to satisfy Ohio’s financial responsibility law, like posting a bond, car insurance is likely the most common way to meet the legal requirements.
Buying minimum coverage car insurance often means that you will pay a low price, but most insurance experts recommend that you purchase higher liability limits or full coverage. If you cause an accident, you are responsible for paying for the damages and injuries that you cause. If these damages exceed your liability limits, you are responsible for the excess out of pocket, which could cause significant financial strain. Full coverage, which includes comprehensive and collision coverages, provides coverage for damage to your own vehicle.
How to get cheap car insurance in Ohio
Average car insurance rates in Ohio are already cheaper than the national average premiums of $565 per year for minimum coverage and $1,674 for full coverage. However, there are several ways that drivers might be able to get cheaper car insurance in Ohio.
- Take advantage of discounts: Most car insurance companies offer discounts that could lower your premium. When you are shopping for insurance, take note of providers that offer discounts you qualify for.
- Get multiple quotes: Before choosing an insurance provider, consider getting quotes from several different companies. That way, you can compare them and see which company has the lowest rates. In addition to comparing premiums, you may also want to compare coverages, discounts and third-party rankings.
- Raise your deductibles: If you have full coverage, you have a deductible for your comprehensive coverage and one for your collision coverage. Increasing your deductibles means that you will have to pay more if you file a claim for damage for your own car, but it can lower your premium. Insurance experts recommend that you choose an amount you can comfortably pay if you do file a claim.
- Improve your credit score: Insurance companies look at your credit score when calculating your premium. Drivers with a good credit score are generally charged with a lower rate, because drivers with poor credit are viewed as more likely to file a claim. Improving your credit could lower your premium.
Every company has its own underwriting regulations and discount qualifications. Talking to a representative is often the best way to determine if you qualify for certain discounts.
Frequently asked questions
What is the best car insurance in Ohio?
There is no single best car insurance company in Ohio for all drivers. Car insurance is a personal purchase and each driver has different needs. Some drivers are looking for great customer service, while others want the cheapest rates. When you are shopping for car insurance, you may want to compare several providers to find the company that best fits your needs.
What happens if I do not have car insurance?
Driving without car insurance in Ohio is illegal unless you have satisfied the state’s financial responsibility law in another way. If you are caught driving without insurance, you will likely have to pay fines and could have your license suspended. If you cause an accident, you will have to pay for the damages and injuries that you cause out-of-pocket expenses.
How do I get car insurance in Ohio?
Buying a car insurance policy is relatively easy. Some companies allow you to get quotes online, or you may need to call an insurance company or visit a local agency. You will need to provide some basic information like your name, address, your date of birth and those of other drivers on the policy, the vehicle identification number (VIN) of each car you would like to insure and a basic idea of the coverages you would like to purchase. If you are not sure how much coverage to buy, you can request quotes for a few different levels to see what best fits your needs and budget.
How much does car insurance cost in Ohio?
On average, drivers in Ohio pay $1,034 per year for full coverage auto insurance, which breaks down to roughly $86 per month. However, you could pay more or less than the state-wide average based on factors like your age, credit score, claims history and the provider you choose.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.