Powered by Coverage.com (NPN: 19966249)
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.
Best car insurance in Ohio for 2024
Powered by Coverage.com (NPN: 19966249)
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.
Best car insurance companies in Ohio
Based on 2024 rate data sourced from Quadrant Information Services, the average full coverage car insurance premium in Ohio is $1,497 per year. The average annual cost for a minimum coverage policy in Ohio is $400. These rates are much lower than the national average annual cost of car insurance, which is $2,348 for full coverage and $639 for minimum coverage. Using this information and other third-party scores, such as those from the J.D. Power 2024 U.S. Auto Insurance Study, Bankrate found that Geico, USAA, State Farm, Auto-Owners and Hastings Mutual are among the best insurance companies in Ohio.
Insurance company
|
Bankrate score
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
|
Average full coverage rate
|
Average min coverage rate
|
---|---|---|---|
4.4
|
$1,255
|
$388
|
|
4.3
|
N/A
|
N/A
|
|
4.3
|
$1,519
|
$381
|
|
4.2
|
$1,154
|
$258
|
|
Hastings Mutual
|
|
$825
|
$303
|
Geico
Best for low rates
4.4
4.4
Avg. full coverage premium
$105/mo
Avg. full coverage premium
$1,255/yr
Customer satisfaction
641/1,000
-
Why Geico made our list: Geico is a trusted household name and offers lower-than-average premiums in Ohio. On top of low average rates, Geico may offer one of the longest lists of potential car insurance discounts of all the major carriers in Ohio. Geico offers discounts for qualifying government employees, members of affiliated professional groups, eligible military members, good students, seniors who complete a defensive driving course and more. In the J.D. Power 2024 U.S. Insurance Digital Experience Study, Geico placed above average in the shopping category, suggesting that the company offers a streamlined and efficient process for those looking to purchase their policy online.
Who Geico may be good for: Geico may be a good choice if budget is your primary concern and you do not qualify for USAA. Drivers who prefer a hands-on approach to their car insurance may also enjoy Geico's robust digital tools.
State Farm
Best for local agents
4.3
4.3
Avg. full coverage premium
Not available
Avg. full coverage premium
Not available
Customer satisfaction
665/1,000
-
Why State Farm made our list: State Farm is a household name, which is not surprising since it is the largest personal auto insurance company in the country. It also has local agents throughout Ohio, which may make it an excellent choice for drivers who prefer to do business in person. State Farm has above-average claims satisfaction and generally lower-than-average rates for those with one at-fault accident or speeding ticket, too. State Farm offers two safe-driving programs: Steer Clear for teens and Drive Safe & Save for adult drivers. Both programs could help you save on your insurance while helping you or your teen driver learn safer driving habits.
Who State Farm may be good for: Because of the company's vast network of brick-and-mortar agencies, State Farm could provide some of the best auto insurance in Ohio for drivers who prefer the personal touch of a local agent. State Farm's telematics programs and typically low rates may also appeal to young drivers or those with an accident or speeding ticket on their records.
Auto-Owners
Best for bundling
4.3
4.3
Avg. full coverage premium
$127/mo
Avg. full coverage premium
$1,519/yr
Customer satisfaction
646/1,000
-
Why Auto-Owners made our list: Although Auto-Owners may only be available in 26 states, Ohio is one of them. We chose Auto-Owners as the best car insurance in Ohio for bundling for a few reasons. First, the company offers more than one bundling discount — one for carrying a qualifying Auto-Owners policy (such as a homeowners policy) alongside Auto-Owners car insurance, and a bundling discount for also carrying an Auto-Owners life insurance policy. Additionally, Auto-Owners offers lower-than-average homeowners insurance premiums in Ohio, giving auto policyholders another incentive to bundle. Auto-Owners also has a fairly robust list of discounts and endorsements, making for a well-rounded regional carrier option.
Who Auto-Owners may be good for: Ohio homeowners may want to bundle their insurance products with Auto-Owners to help maximize savings.
USAA
Best for customer satisfaction
4.2
4.2
Avg. full coverage premium
$96/mo
Avg. full coverage premium
$1,154/yr
Customer satisfaction
726/1,000
-
Why USAA made our list: Although it is not eligible for official ranking with J.D. Power due to its membership requirements, USAA consistently receives high scores for customer satisfaction and claims service. However, the provider only sells insurance to active-duty military members, veterans and their immediate family members. USAA is known to offer lower-than-average premiums and a host of potential discounts to help you save even more, including savings for loyalty and deployment.
Who USAA may be good for: Eligible drivers who value customer service over optional car insurance endorsements and need cheap Ohio auto insurance may want to request a quote from USAA.
Hastings Mutual
Best for coverage options
Avg. full coverage premium
$69/mo
Avg. full coverage premium
$825/yr
Customer satisfaction
Not rated
-
Why Hastings Mutual made our list: Although Hastings Mutual is only available in six states, it is represented by independent agents throughout Ohio and offers some of the cheapest average car insurance rates for full coverage Ohio auto insurance. In the Buckeye State, full coverage from Hastings Mutual is 45 percent less than the state average. Even though the company offers cheap average rates, it doesn’t skimp on unique coverage options, including travel interruption, key replacement, pet injury coverage and child restraint system coverage.
Who Hastings Mutual may be good for: Hastings Mutual could be one of the best Ohio insurance companies for drivers looking for low rates and customizable coverage.
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.
Why you can trust Bankrate
Read our full methodologyTo help Ohio drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Ohio
When choosing car insurance companies, 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 low cost to outstanding customer service, but taking steps to consider the following points may help narrow down your options.
Related content:
Ready for your quote?
Answer a few questions to see personalized rates from top carriers in Ohio
Powered by Coverage.com (NPN: 19966249)
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.
How much is car insurance in Ohio?
In the Buckeye State, Bankrate found that drivers pay an average annual cost of $400 for minimum coverage and $1,497 for full coverage car insurance, based on 2024 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 $639 per year for minimum coverage and $2,348 per year for full coverage.
Ohio’s rates aren’t only cheaper than the national average — they’re cheaper compared to neighboring states, too. For instance, the average annual premium for a full coverage policy in Michigan is $3,010, with minimum coverage averaging $887. Average premiums are also higher in Pennsylvania, where an annual policy may set you back $2,450 for full coverage or $514 for minimum.
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. Additionally, Michigan and Pennsylvania have different minimum insurance requirements than Ohio (and both are no-fault states) which could also account for 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 also consider whether drivers have been involved in at-fault accidents or have received moving violation convictions when determining rates.