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Best car insurance in Ohio for 2023

Updated Feb 02, 2023
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As insurance agents with more than 47 years of combined industry experience, Bankrate's insurance editorial team knows that price likely isn't your only consideration when shopping for the best insurance company. Aside from affordable premiums, you may want to consider coverage offerings, customer satisfaction, discount opportunities and more. To help narrow your search, we conducted an in-depth analysis of the largest companies by market share, and based on our findings, USAA, State Farm and Geico could provide the best car insurance in Ohio.

Auto Insurance
Key takeaways
  • At $1,200 per year, the average premium in Ohio for a full coverage policy is 48 percent lower than the national average of $1,771.
  • Cleveland is one of the most expensive cities for full coverage car insurance in Ohio with an annual average rate of $1,512.
  • According to Bankrate’s extensive study, you may find the best car insurance in Ohio by shopping with USAA, State Farm and Geico.

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How Bankrate chose the best car insurance companies in Ohio

To find the best auto insurance in Ohio, we reviewed various metrics to help us rank each company. First, we used proprietary rate data provided by Quadrant Information Services to find the providers that offer the lowest average rates. We understand that the company that provides the cheapest rates may not be the best company for all drivers, so we then reviewed other factors such as third-party scores, coverage offerings, mobile accessibility, financial strength and discount opportunities.

Using this information, we could paint a complete picture of dozens of Ohio auto insurance companies, issuing each a Bankrate Score ranging from 0.0 to 5.0, with 5.0 being the best Score possible. Our goal is to give drivers an in-house scoring model that they may use to feel empowered during their shopping journey.

Best car insurance companies in Ohio

Based on 2022 rate data sourced from Quadrant Information Services, the average full coverage car insurance premium in Ohio is $1,200 per year. The average annual cost for a minimum coverage policy in Ohio is $336. These rates are much lower than the national average cost of car insurance, which is $1,771 for full coverage and $545 for minimum coverage. Using this information and other third-party scores, such as the J.D. Power 2022 U.S. Auto Insurance Study, Bankrate found that USAA, State Farm and Geico are among the best car insurance companies in Ohio.

USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (North Central)
891
/1,000
Average annual full coverage premium
$846
Average annual minimum coverage premium
$235
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (North Central)
848
/1,000
Average annual full coverage premium
$848
Average annual minimum coverage premium
$237
Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (North Central)
847
/1,000
Average annual full coverage premium
$671
Average annual minimum coverage premium
$238
Hastings Mutual
J.D. Power score (North Central)
Not rated
Average annual full coverage premium
$659
Average annual minimum coverage premium
$258
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (North Central)
806
/1,000
Average annual full coverage premium
$1,015
Average annual minimum coverage premium
$366
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

*Not officially ranked by J.D. Power due to eligibility restrictions

Best car insurance company for military-focused coverage

J.D. Power:
891 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 235
Avg annual premium for full coverage:
$ 846
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for local offices

J.D. Power:
848 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 237
Avg annual premium for full coverage:
$ 848
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for discounts

J.D. Power:
847 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 238
Avg annual premium for full coverage:
$ 671
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for unique coverage options

Hastings Mutual

J.D. Power:
Not rated
AM Best:
N/A
Avg. annual premium for minimum coverage:
$ 258
Avg annual premium for full coverage:
$ 659
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for pay-per-mile insurance

J.D. Power:
806 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 366
Avg annual premium for full coverage:
$ 1,015
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

Average car insurance cost in Ohio

In the Buckeye State, Bankrate found that drivers pay an average annual cost of $336 for minimum coverage and $1,200 for full coverage car insurance, based on 2022 quoted premiums from Quadrant Information Services. Ohio’s average rates are significantly less than the average cost of car insurance in the U.S., which is $545 per year for minimum coverage and $1,771 per year for full coverage.

The cost of car insurance in Ohio may be cheaper than other states for several reasons. Auto insurance rates are calculated based on various factors, including the incidence and average cost of accidents in a given area. Because much of Ohio is rural or suburban, roads may not be as busy, leading to fewer accidents than in metropolitan areas, which tend to have higher premiums.

However, each driver’s premiums are unique and may also factor in details specific to them such as their vehicle type, vehicle age and annual mileage. Carriers typically consider whether drivers have clean driving records, have been involved in at-fault accidents or have received moving violation convictions when determining rates.

Average annual premium for minimum coverage in Ohio Average annual premium for full coverage in Ohio
$336 $1,200

How to find the best car insurance in Ohio

When choosing car insurance, Ohio drivers may consider a variety of factors to determine which provider offers them the most fitting coverage for their situation. Factors may include anything from location to individual driving records, but taking steps to consider the following points may help narrow down your options.

Consider minimum insurance requirements in Ohio

Like most states, Ohio mandates specific limits that each driver must carry as a minimum requirement to drive legally. Because Ohio is an at-fault state, minimum coverage requirements include bodily injury liability and property damage liability, with exact amounts noted on the state’s motor vehicle website. Although there are other ways to satisfy Ohio’s financial responsibility law, like posting a bond or qualifying as a self-insurer, most insurance professionals recommend purchasing enough coverage to avoid financial devastation in cases of an accident.

Although buying minimum coverage might mean you pay a lower premium, the limits may not be enough to protect your finances if you cause an accident. If the injuries and damages that you cause exceed your insurance limits, you will have to pay extra costs out of pocket.

Consider lender requirements

In the U.S., 85 percent of all new car purchases are financed. Because a financial institution has a stake in the vehicle, drivers are typically required to purchase full coverage insurance in these situations. As minimum coverage limits do not provide any physical damage coverage for your vehicle, collision and comprehensive coverage come in handy when facing repair or replacement costs. Drivers of newer model cars in Ohio may also want to consider purchasing gap insurance, which helps pay the difference between your insurance claim check and outstanding loan amount should your vehicle be totaled or stolen and unrecoverable.

Drivers leasing their vehicles usually have additional insurance requirements regarding liability coverage. In most cases, leasing companies require you to carry at least $100,000 per person and $300,000 per accident in bodily injury, and $50,000 per accident in property damage coverage. You may see this denoted as 100/300/50 on your policy documentation.

Consider your individual needs

Many personal factors, like driver risk, may influence the cost of insurance. Insurance companies typically use driving records to gauge how likely a policyholder is to file future claims, so they often charge higher rates for drivers with prior traffic violations. Having a speeding ticket on your motor vehicle record, for example, could demonstrate high-risk driving behavior, potentially increasing average annual premiums by hundreds of dollars.

In Ohio, the average annual full coverage increase for a single speeding ticket is 17 percent. Although this rate increase is lower than the national average after a speeding ticket (which currently sits at 21 percent), your driving record could still be an important consideration when shopping for auto insurance in Ohio.

Car insurance discounts in Ohio

Rates for car insurance in Ohio are, on average, already more affordable than many other areas of the country, but most insurance providers offer additional ways to save money on your premium. For example, some car insurance companies reward drivers with a lower premium if they pay their policy in full, have certain safety features installed in their vehicle and maintain a clean driving record. These are some of the most common auto insurance discounts you may see in Ohio:

  • Young drivers: If you have a teen or young adult driver on your policy, you will likely find at least a couple of discounts offered to help mitigate the added cost. For example, full-time students who maintain a B or better average are usually eligible for good student discounts. If you insure a college student who attends school away from home without a car, you may also qualify for a discount.
  • Safe drivers: Drivers who haven’t been involved in an at-fault accident or convicted of a moving violation for several years could qualify for a discount on their car insurance premium. The timespan varies by company but is usually three to five years. However, even drivers without spotless driving records may qualify for safe driver discounts through options like telematics programs, which track safe driving behaviors like soft braking and award discounts depending on how safe you drive.
  • Other discounts: Discounts may fall into a variety of categories, including loyalty and policy management style. For instance, most insurers offer discounts for bundling multiple policies with them, like home and auto insurance. Other discounts may be offered for setting up automatic electronic payments, paying your premium in full or opting for a paperless experience. Some companies even offer discounts for alumni or employee organizations, business groups or specific occupations.
Insurance companies may all offer a different set of discounts. If you are unsure what discounts you qualify for, you may be able to view a list of savings opportunities on a company’s website or you can talk to a customer service representative.

Frequently asked questions

Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute