The Best Ohio Car Insurance Companies 2020

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When researching and choosing an Ohio auto insurance policy, you need to consider several factors: your budget, the amount of coverage needed, your driving record, discounts you may qualify for and more.

Ohio is ranked 10th in the nation for best drivers. The state’s drivers were ranked 8th for careless driving and 18th for drunk driving. According to the Ohio State Highway Patrol, there were 683 traffic fatalities in the year 2018, as well as 413,331 enforcement stops and 39,367 crashes investigated.

While being the 10th safest state for drivers is an impressive ranking, you still need an Ohio auto insurance policy with good coverage at an affordable price in the event you need to file a claim.

Best Ohio car insurance companies

The following is a list of the top Ohio auto insurance companies in the North Central region, according to J.D. Power‘s 2019 U.S. Auto Insurance Study.

  1. Westfield
  2. Erie Insurance
  3. The Hartford
  4. USAA
  5. Geico

Westfield received 855 points out of 1000 from J.D. Power for the North Central Region and 5/5 Power Circle Ratings for consumers, making it the top choice for an Ohio insurance company.

Erie Insurance also received a 5/5 from J.D. Power, and is a reliable choice for those looking for great coverage and affordable Ohio insurance.

The Hartford serves those who are 50 and older, and AARP members. The Better Business BureauⓇ gave The Hartford a rating of an A+ and received a 4 out of 5 from J.D. Power, proving how it is a good option for Ohio drivers.

While USAA insurance is available only to the military community and their families, it’s a great, affordable option for that specific audience. The company actually ranked higher than Westfield, but is not included in overall rankings, since USAA is only available to a limited audience.

Geico landed slightly above the middle of J.D. Power’s rankings, receiving 836 points. In J.D. Power’s U.S. Auto Claims Satisfaction Study, the company received an A+ from the Better Business BureauⓇ. Geico is an affordable option for Ohio auto insurance.

Finding the right cheap car insurance in Ohio for you

If you fall into certain categories, you may choose one Ohio insurance company over another, as you might qualify for discounts or more affordable insurance.

  • Cheapest car insurance for good drivers: If you don’t have a history of accidents or tickets, you may be able to find great coverage at an affordable price. When requesting a quote, see if there are any safe-driving discounts available.
  • Cheapest car insurance for students: Believe it or not, many insurance companies, such as Allstate and Nationwide, offer discounts for students, usually under age 25, who have good grades.
  • Cheapest car insurance for people with low credit: Oftentimes, those with low credit get a higher premium than someone with the same qualities except with high credit. Having low credit tells insurance companies that you may be more of a risk. Average premiums for those with poor credit are on average $1,000 more than people with exceptional credit, according to The Zebra.
  • Cheapest car insurance for people with accidents: If you have accidents on your driving history, you’ll likely need to shop around for a provider that offers you a lower rate. Accidents can stay on your record as long as 3-5 years, so shop around occasionally.

Average car insurance cost in Ohio

According to The Zebra, Ohio drivers can expect to pay $1,037 per year for their auto insurance — 27.3% less than the national average.

Car insurance cost by gender:

Male Female
Average Annual Premium $1,015.93 $1,026.99

Car insurance cost by age:

30s 40s 50s
Average Annual Premium $1,001.11 $1,001.11 $884.36

Car insurance cost by marital status:

Single Married Divorced
Average Annual Premium $1,015.93 $971.83 $1,015.93

Car insurance cost by credit score:

Very Poor Credit Good Credit Exceptional Credit
Average Annual Premium $1,898.03 $1,303.67 $873.51

Car insurance discounts in Ohio

Depending on the Ohio insurance company, a variety of discounts may be available to you.

  • Loyalty discount: Stay with one insurance company for at least a year (or more).
  • Bundle and save discount: Combine your auto insurance with another policy, such as home insurance.
  • Safe driver: Have technology placed in your car to track your driving habits, including  your speed, how fast you brake and accelerate, etc.
  • Good student discount: Prove you or your student has exceptional grades at high school or college to save.

State minimum insurance requirements in Ohio

Ohio law requires drivers to purchase Bodily Injury Liability Coverage ($25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident) as well as Property Damage Liability Coverage ($25,000 for injury to or destruction of property of others in any one accident). Drivers also must have a motor vehicle liability insurance policy and a certificate of proof of financial responsibility.

Frequently asked questions

What is the cheapest car insurance in Ohio?

The cheapest Ohio insurance companies include Utica National, Erie, Allied, Travelers and USAA.

What information is needed in order to get car insurance in Ohio?

To get Ohio auto insurance, you will need a driver’s license, your bank information, date of birth and social security number, your car’s vehicle identification number and the address of the car’s registration.

Am I legally required to have car insurance in Ohio?

Yes, if you own a car in Ohio, you must have car insurance and your coverage must include the minimum state requirements.