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Best car insurance in Ohio for 2022

Updated Oct 04, 2022
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Drivers in Ohio pay an average of $1,200 per year for full coverage car insurance. This is relatively low compared to the national average of $1,771 per year. With relatively low average annual rates on car insurance in Ohio, drivers can focus on what matters to them when searching for the best car insurance in the Buckeye State.

Key takeaways
  • According to Bankrate data, USAA, State Farm and Geico offer some of the best car insurance for Ohio drivers.
  • Drivers in populated metropolitan areas, such as Cleveland, typically have higher average annual premiums than drivers in more remote areas of the state.
  • Ohio has one of the lowest average costs for full coverage car insurance in the country.

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How Bankrate chose the best car insurance companies in Ohio

Bankrate uses a wide range of criteria to determine the best car insurance companies in Ohio. In addition to quoted annual premium data from Quadrant Information Services, Bankrate considers third-party ratings, customer satisfaction scores, online and mobile accessibility, coverage options and financial strength to find the companies with the best car insurance in Ohio. These factors help determine a carrier's Bankrate Score, out of 5.0 points, which insurance shoppers can use to pinpoint the best carriers with the features that matter most to them.

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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

Bankrate’s insurance editorial team found that USAA, State Farm and Geico are the top three carriers offering auto insurance in Ohio, according to Quadrant Information Services data. To help with comparison shopping, keep in mind that the average annual premiums for car insurance in Ohio are $1,200 annually for full coverage and $336 annually for minimum coverage.

When choosing the best car insurance companies in Ohio, we reviewed numerous factors and assigned each company a Bankrate Score. This Score encompasses a company’s average premiums and performance across third-party ratings, among other criteria outlined above.

Based on our research, some of the best car insurance available in Ohio is offered by the following insurers:

Car insurance company Bankrate Score J.D. Power customer satisfaction score (North Central region) Average annual full coverage premium Average annual minimum coverage premium
USAA* 4.9 891/1,000 $846 $235
State Farm 4.7 848/1,000 $848 $237
Geico 4.7 847/1,000 $671 $238
Hastings Mutual 4.6 N/A $659 $258
Auto-Owners 4.2 834/1,000 $1,006 $275

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

USAA

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. The provider only sells insurance to eligible active-duty military members, veterans and their immediate family members, so many of their policies are tailored for military families. USAA has a low average premium for full and minimum coverage and offers a host of potential discounts to help you save even more, including savings for loyalty and deployment. However, the provider may not be the best choice for Ohio drivers seeking robust policies, as they don't offer as many optional coverages as other companies on our list.

Learn more: USAA Insurance review

State Farm

State Farm is a household name, which is not surprising since it is the largest personal auto insurance company in the country by market share. 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 encouraging you or your teen driver to learn safer driving habits. While State Farm has one of the lowest average premiums for minimum coverage, it is one of the more expensive for full coverage Ohio car insurance.

Learn more: State Farm Insurance review

Geico

Not only does Geico offer one of the lower rates for full coverage auto insurance in Ohio on our list, it also comes in above average in the North Central region for customer satisfaction. Geico is known for offering low average auto insurance premiums in addition to a wide range of discounts that could help you save even more. When it comes to auto insurance coverage, Geico offers the basics, with only a few options to personalize your policy, like mechanical breakdown insurance.

Learn more: Geico Insurance review

Hastings Mutual

Although Hastings Mutual is only available in six states, it offers some of the cheapest full coverage rates for Ohio auto insurance on our list. Hastings Mutual also offers unique coverages, such as travel interruption, key replacement and child restraint system coverage. The company also offers pet injury and accidental death coverage. The regional insurer is not included in the J.D. Power study in the North Central region, likely due to its small size, but it does have a favorable Bankrate Score and an A (Excellent) financial strength rating from AM Best.

Auto-Owners

Auto-Owners is a regional carrier that is particularly well-known throughout the Midwest. The company’s exceptional customer service could be due in part to offering its products exclusively through a network of independent agents. Auto-Owners offers several optional car insurance coverages, including gap insurance and diminished value coverage. With one of the highest average annual full coverage rates on our list, the company may not be the option for drivers seeking the most affordable coverage. Still, there are numerous potential discounts that could help you save, including discounts for paying in full, paperless statements and being claims-free.

Learn more: Auto-Owners Insurance review

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 state’s average rates are also lower than neighboring states. In Indiana and Pennsylvania, the average annual rates for full coverage auto insurance are $1,242 and $2,002, respectively.

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, which may include the incidence and average cost of accidents and repairs in a given area. Because much of Ohio is rural or suburban, roads may not be as busy, likely leading to fewer accidents than in metropolitan areas, which tend to have higher premiums.

However, each driver’s premiums are unique and will also factor in details specific to them. These factors may include age, driving record, 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 a moving violation conviction 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 could help narrow down your options.

Consider minimum insurance requirements in Ohio

To drive legally on Ohio roads, drivers must meet minimum insurance requirements as set out by the state. The Ohio Bureau of Motor Vehicles website shows the minimum requirements to meet, which include liability insurance for bodily injury to others and property damage to others.

As a fault state, or tort state, Ohio drivers who are deemed at fault in an accident must pay for the other party’s injuries and property damage, which is why protecting yourself financially with auto insurance may help you avoid costly out-of-pocket expenses. Ohio also has other driving laws requiring drivers to carry their own insurance coverage to drive another person’s vehicle, even if they do not own their own vehicle.

Consider lender requirements

While it is nice to own a car outright, data from 2019 found that 85% of all new car purchases in the U.S. are financed. Lenders typically require drivers who finance their car to carry full coverage, since it provides comprehensive and collision coverage, in addition to liability insurance.

Comprehensive and collision insurance may offer improved financial protection if your vehicle is involved in a covered incident. With comprehensive and collision insurance, drivers may only have to pay the deductible out of pocket. Drivers of newer model cars in Ohio may also want to consider purchasing gap insurance, which could help pay the difference between your insurance claim check and outstanding loan amount should your vehicle be totaled in a covered event or stolen and unrecoverable.

Consider your individual needs

Many personal factors could influence the cost of car insurance, meaning that the best insurance policy for someone might not work for their friend or neighbor. 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 32%, which is considerably more than the national average increase of 23%.

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 may reward drivers with a lower premium if they pay their policy in full, have certain safety features installed in their vehicle or maintain a clean driving record. These are some of the most common auto insurance discounts 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 use mobile apps or installed devices to track safe driving behaviors like soft braking and may 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 operate differently, meaning they each likely 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 an agent to learn more.

Frequently asked questions

Written by
Mandy Sleight
Insurance Contributor

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

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