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Best car insurance in Ohio for 2024

Updated Jun 01, 2024
Geico, State Farm and USAA offer some of the best car insurance in Ohio, per Bankrate’s analysis.
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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 $1,472 per year. The average annual cost for a minimum coverage policy in Ohio is $404. These rates are much lower than the national average annual cost of car insurance, which is $2,311 for full coverage and $640 for minimum coverage. Using this information and other third-party scores, such as those from the J.D. Power 2023 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
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,219
$394
4.3
Rating: 4.3 stars out of 5
N/A
N/A
4.3
Rating: 4.3 stars out of 5
$1,502
$374
4.2
Rating: 4.2 stars out of 5
$1,204
$268
Hastings Mutual
$833
$303

Geico

Best for low rates

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$102/mo

Avg. full coverage premium

$1,219/yr

Customer satisfaction

831/1,000

State Farm

Best for local agents

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

837/1,000

Auto-Owners

Best for bundling

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$125/mo

Avg. full coverage premium

$1,502/yr

Customer satisfaction

833/1,000

USAA

Best for customer satisfaction

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$100/mo

Avg. full coverage premium

$1,204/yr

Customer satisfaction

Not rated

Hastings Mutual

Best for coverage options

Avg. full coverage premium

$69/mo

Avg. full coverage premium

$833/yr

Customer satisfaction

Not rated

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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.

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Why you can trust Bankrate

Read our full methodology

To 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

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Advertising disclosure
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.

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 location to individual driving records, but taking steps to consider the following points may help narrow down your options.

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Advertising disclosure
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.

How much is car insurance in Ohio?

In the Buckeye State, Bankrate found that drivers pay an average annual cost of $404 for minimum coverage and $1,472 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 $640 per year for minimum coverage and $2,311 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 $2,947, with minimum coverage averaging $907. Average premiums are also higher in Pennsylvania, where an annual policy may set you back $2,483 for full coverage or $526 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.