When researching and choosing the cheapest 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.
As of 2016, there were nearly 8 million licensed drivers in the state of Ohio. According to the Ohio State Highway Patrol, there were 555 traffic fatalities in the year 2019, as well as 322,000 enforcement stops and 32,777 crashes investigated.
Drivers in Ohio face less risk on the road compared to drivers in some other states, but you still need an Ohio auto insurance policy with good coverage at an affordable price in the event you need to file a claim.
The best car insurance companies in Ohio
The following is a list of the top Ohio auto insurance companies in the North Central region, according to J.D. Power‘s 2020 U.S. Auto Insurance Study.
|Provider||Average annual full coverage premium||J.D. Power customer satisfaction score|
Auto-Owners is one of the largest insurance companies in the country and particularly in the North Central region. It’s known for its exceptional customer service, in part because the company works exclusively through agents. This can be either a pro or a con, depending on your preferences. Auto-Owners offers good car insurance coverages, including gap insurance and diminished value coverage, as well as discounts.
Erie Insurance was also rated highly by J.D. Power, ranking third on the list of 21 insurance providers. While Erie does not write coverage in every state, it does offer coverage in Ohio, giving Ohio residents access to great policy options and unique coverages. In addition, Erie offers a rate lock guarantee, vanishing deductible program and accident forgiveness. Its policies aren’t the cheapest, but the coverage is among the best.
In J.D. Power’s auto insurance study, Geico claimed the top spot for overall customer satisfaction in the North Central region. Geico is known for offering some of the lowest auto insurance premiums in the country, in addition to a wide range of discounts. When it comes to auto insurance coverage types, Geico offers the basics. If you’re looking for standard coverage at the cheapest rate possible, check out Geico.
Grange Insurance is another company that is local to Ohio. The company scored well in J.D. Power’s study, ranking 7th on the list of the best North Central car insurance providers. Grange Insurance offers impressive coverage, including full glass repair, pet coverage, rental car reimbursement, gap insurance, OEM coverage and identity theft coverage. Grange Insurance works primarily through agents, but you can file a claim and make payments online.
Westfield is a local insurance company that is headquartered in Ohio. In addition to insurance, it also offers banking services. All in all, Westfield car insurance is pretty average. It offers standard coverage, plus roadside assistance. Drivers can upgrade their policy with Wespak, which includes gap coverage, travel insurance and replacement cost coverage. Westfield stands out for its customer service, so if you prefer to work with an agent for your insurance needs, look into Westfield.
Average car insurance cost in Ohio
In the Buckeye State, drivers pay an average annual cost of $321 for minimum coverage and $1,119 for full coverage car insurance, which is significantly less than the average cost of car insurance in the U.S., which is $1,738 per year.
|Average annual premium for minimum coverage in Ohio||Average annual premium for full coverage in Ohio|
How to get the best car insurance
Car insurance is pretty affordable in Ohio because the state doesn’t have too many uninsured drivers. According to the Insurance Information Institute, about 12.4% of Ohio drivers don’t have insurance. That puts Ohio at 22nd on the list of states with the most uninsured drivers.
- Evaluate your needs: how things such as if you have teenagers driving, if you have a nice car you just bought, credit score, accident history, etc. might affect what will be the best option for you).
- Consider state factors: Ohio car insurance laws require drivers to purchase minimum liability insurance. This includes bodily Injury liability coverage of $25,000 per person per accident and $50,000 for all persons injured in any one accident, in addition to property damage liability coverage of $25,000 for injury to or destruction of property of others in any one accident. Drivers also must have a certificate of proof of financial responsibility.
Car insurance discounts in Ohio
Car insurance in Ohio is already affordable, 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. Here are the discounts that the cheapest car insurance companies in Ohio offer.
|Discount||Auto-Owners||Erie Insurance||Geico||Grange Insurance||Westfield|
|Automatic payment/paperless billing||X|
|Defensive driving course||X||X||X|
|Low annual mileage||X||X||X|
|Occupational or organizations||X||X|
|Safe driver/accident free||X||X||X||X||X|
Frequently asked questions
What is the cheapest car insurance in Ohio?
The cheapest car insurance company in Ohio ultimately depends on your personal needs. Be sure to shop your options and compare multiple quotes before making a decision on the best car insurance provider for you.
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.
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.