The cheapest car insurance company in Ohio is USAA, at $59 per month, or $712 per year on average. If you’re not in the military o in a military family, then State Farm, GEICO, Auto-Owners, and Erie are the cheapest options for car insurance in Ohio.
Ohio is generally a cheap state for car insurance, but since rates vary from person to person, you should compare rates to avoid paying more than you have to.
Average cost per month | ||
|---|---|---|
USAA | $59 | |
State Farm | $60 | |
GEICO | $65 | |
Auto-Owners | $66 | |
Erie | $68 |
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Ohio
USAA
5.0
All 50 states
Bundle home & auto
Coverage for rideshare drivers
Good student discount
Usage-based discount
Offers classic car insurance
Mobile app
Offers motorcycle insurance
Why we chose it
USAA has the best car insurance rates and customer service scores of any company in Ohio. Its add-ons, which include gap insurance, are straightforward but offer all the basics most drivers need.
Pros and cons
Pros
Low rates
Available nationwide
High customer service ratings
Cons
Only available to military members and their families
More details
Why we chose USAA:
If you’re an active or retired member of the military or a part of a military family, USAA has some of the best car insurance in Ohio. USAA also offers gap coverage — which may be required for drivers who finance or lease a car.
USAA frequently scores near the top of the annual J.D. Power Auto Insurance Study. It also receives about the average number of complaints for the industry, according to the National Association of Insurance Commissioners.
How does the cost of car insurance from USAA compare to average in Ohio?
The average cost of car insurance from USAA in Ohio is $59 a month or $712 per year, which is 29% cheaper than the statewide average
State Farm
4.8
Bundle home & auto
Coverage for rideshare drivers
Good student discount
Mobile app
Usage-based discount
Offers classic car insurance
Offers motorcycle insurance
Why we chose it
State Farm is the second-cheapest car insurance company in Ohio. It also has high customer service ratings, and may be an affordable pick even for drivers with spotty records.
Pros and cons
Pros
Available in almost every state
Low rates for teens and drivers with accidents
High customer satisfaction ratings
Cons
Limited coverage options
More details
Why we chose State Farm:
State Farm is one of the best and cheapest car insurance companies in Ohio whether you have a clean or spotty driving record.
We also like State Farm because of its standout customer service. State Farm has high customer satisfaction ratings and receives fewer complaints than is average for the industry, according to the National Association of Insurance Commissioners.
How does the cost of car insurance from State Farm compare to the average in Ohio?
The average cost of State Farm car insurance in Ohio is $60 a month or $721 per year, which is 28% cheaper than the statewide average.
GEICO
4.7
Offers classic car insurance
All 50 states
Offers motorcycle insurance
Good student discount
Mobile app
Usage-based discount
Why we chose it
GEICO is among our picks for top car insurance companies in Ohio because of its low rates, convenient mobile app, and solid customer service.
Pros and cons
Pros
Available in all 50 states
Easy-to-use digital tools
Plenty of discounts
Cons
Only sells through GEICO agents
Doesn’t underwrite its other products
More details
Why we chose GEICO
GEICO is one of the best car insurance companies in Ohio. GEICO is known for having cheap rates even if you have bad credit or a newly-licensed teen driver on your policy.
We also like GEICO’s convenient mobile app, which lets you estimate what repairs to your vehicle might cost after an accident. It’s one of the largest insurance companies in the country, but GEICO gets fewer complaints from its customers than expected.
How does the cost of car insurance from GEICO compare to average in Ohio?
The average cost of car insurance from GEICO in Ohio is $65 a month or $783 per year, which is 22% cheaper than the statewide average.
Auto-Owners
4.7
Bundle home & auto
Offers gap coverage
Mobile app
Good student discount
Offers classic car insurance
Offers motorcycle insurance
Why we chose it
Auto-Owners has affordable coverage and high customer service ratings in Ohio, plus a range of useful coverage add-ons and discounts.
Pros and cons
Pros
Lower-than-average rates
Offers gap coverage
Owned by its policyholders
Cons
Not offered in every state
More details
Why we chose Auto-Owners:
Rates from Auto-Owners in Ohio are cheaper than average, and may be even more affordable if you qualify for any of the many available discounts.
Auto-Owners also has a wide range of add-ons that you can choose from, including gap insurance, with accident forgiveness, and coverage for your car’s lost value after an accident.
How does the cost of car insurance from Auto-Owners compare to average in Ohio?
The average cost of car insurance from Auto-Owners in Ohio is $66 a month or $793 per year, which is 21% cheaper than the statewide average.
Erie
4.9
Mobile app
Offers new car replacement
Good student discount
Accident forgiveness
Bundle home & auto
Offers classic car insurance
Coverage for rideshare drivers
Usage-based discount
Offers gap coverage
Offers motorcycle insurance
Why we chose it
Erie’s cheap rates and high claims satisfaction scores stack up well against larger competitors. Erie also offers a range of endorsements and perks, like new car replacement and rate lock.
Pros and cons
Pros
Low car insurance rates
Lots of useful add-ons, like new car replacement
Accident forgiveness automatically included after three years
Cons
Not available in every state
More details
Why we chose Erie:
Erie’s low average rates and high customer service scores make it one of the best companies for finding affordable car insurance in Ohio. Erie also offers a handful of discounts — including savings for drivers age 21 or younger.
Erie also offers option coverages like gap insurance, new car replacement, personal belongings coverage, and more. You may also qualify for accident forgiveness at no extra cost.
How does the cost of car insurance from Erie compare to average in Ohio?
The average cost of car insurance from Erie in Ohio is $68 a month or $818 per year, which is 19% cheaper than the statewide average.
Best car insurance companies in Ohio
USAA is the best car insurance company in Ohio, according to the 2023 J.D. Power Auto Insurance Study. [1] This survey measures how policyholders feel about their insurance company’s overall price, coverage, and claims service.
The best-rated car insurance company in Ohio for the general public is Erie — it earned a score of 844 from J.D. Power (the average for the North Central region, which includes Ohio, was 825).
Company | Score | |
|---|---|---|
1 | USAA | 878 |
2 | Erie | 844 |
3 | Grange Insurance | 838 |
4 | State Farm | 837 |
5 | The Hanover | 835 |
Cheapest car insurance companies by age in Ohio
It’s no surprise that young drivers pay more for car insurance than any other demographic. Nationwide, statistics show young, inexperienced drivers are more likely to engage in risky behaviors like speeding and texting while driving. Distracted driving can lead to increased accidents and more accident claims, which means increased rates for everyone.
As drivers reach age 25, rates tend to decrease, but this isn’t always the case. A lot depends on the individual driver. The table below shows the company with the lowest rates in every age group. We found that Erie or USAA has the best rates in Ohio for young drivers.
Age | Cheapest company | Average cost |
|---|---|---|
16 | Erie | $2,454 |
18 | USAA | $1,632 |
21 | USAA | $1,153 |
25 | State Farm | $863 |
30 | State Farm | $733 |
35 | USAA | $716 |
45 | USAA | $664 |
55 | USAA | $618 |
60 | USAA | $617 |
65 | USAA | $639 |
70 | State Farm | $688 |
Choosing the right car insurance company in Ohio
You’ve probably seen so many advertisements for car insurance that it can be hard to choose a company you can trust. You want a company with a proven track record of reliable customer service and won’t raise your rates if you’re in a wreck.
Here’s what to watch out for when choosing your next insurance company:
Does the company have offices nearby? Or is it strictly online?
Do they make it easy to file a claim?
Do they have an app?
Policygenius can help you compare quotes and choose the best coverage for your insurance needs.
Car insurance rates for drivers with driving violations in Ohio
We found that State Farm has the best rates in Ohio after a driving violation, as well as for Ohio drivers who need an SR-22.
USAA | State Farm | GEICO | Auto-Owners Insurance | Erie | |
|---|---|---|---|---|---|
At-fault accident | $1,097 | $865 | $1,416 | $1,131 | $1,182 |
Suspended license | $1,103 | $799 | $1,017 | $1,541 | $1,407 |
Open container | $1,030 | $799 | $1,792 | $799 | $957 |
Expired registration | $957 | $799 | $1,017 | $799 | $957 |
Driving without lights | $764 | $799 | $1,017 | $799 | $957 |
Running a red light | $957 | $799 | $1,017 | $799 | $957 |
Following too closely | $957 | $799 | $1,017 | $799 | $957 |
Hit and run | $1,172 | $799 | $1,792 | $1,541 | $1,407 |
Not-at-fault accident | $764 | $733 | $835 | $799 | $882 |
Passing a school bus | $1,030 | $799 | $1,017 | $888 | $957 |
Reckless driving | $1,030 | $799 | $1,792 | $1,541 | $957 |
Cheapest car insurance after an accident in Ohio
The cheapest car insurance company in Ohio after an at-fault accident is State Farm. On average, car insurance from State Farm costs $72 a month, or $865 a year for drivers with an accident on their records.
Rates for drivers with an at-fault accident | |
|---|---|
State Farm | $865 |
USAA | $1,097 |
Auto-Owners | $1,131 |
Erie | $1,182 |
GEICO | $1,416 |
Cheapest car insurance for drivers with a DUI in Ohio
The cheapest car insurance company in Ohio if you have a DUI on your record is State Farm. State Farm’s rates are $67 a month or $799 a year on average for drivers with a DUI.
Rates for drivers with DUIs | |
|---|---|
State Farm | $799 |
USAA | $1,138 |
Erie | $1,407 |
Auto-Owners Insurance | $1,541 |
GEICO | $1,792 |
Cheapest car insurance for drivers with a speeding ticket in Ohio
The cheapest car insurance after a speeding ticket in Ohio is State Farm. On average, State Farm is $67 a month or $799 a year after a speeding ticket.
Rates for drivers with a speeding ticket | |
|---|---|
State Farm | $799 |
USAA | $957 |
Erie | $957 |
Auto-Owners | $1,036 |
GEICO | $1,792 |
Cheapest car insurance for drivers with bad credit in Ohio
Did you know that if you continually miss a payment deadline, it could cause your car insurance rates to go up? A bad credit score can make it harder to get a new credit card, lease an apartment, or get a car loan. Below are the average rates for drivers in Ohio with bad credit.
We found that GEICO has the best rates for drivers in Ohio with bad credit
Rates for drivers with bad credit | |
|---|---|
GEICO | $1,148 |
Nationwide | $1,277 |
USAA | $1,323 |
Grange Insurance | $1,337 |
State Farm | $1,640 |
Cheapest car insurance in Ohio by city
Rates vary from city to city even within the same state, based on factors like crime rates, population density and traffic, and the overall number of accidents. Here are the cheapest car insurance companies in Ohio’s 10 most populated cities.
Largest cities | Cheapest company | Average yearly rate for the cheapest company | Overall citywide average |
|---|---|---|---|
Columbus | USAA | $753 | $1,153 |
Cleveland | USAA | $784 | $1,191 |
Cincinnati | USAA | $772 | $1,177 |
Toledo | USAA | $803 | $1,159 |
Akron | USAA | $793 | $1,095 |
Dayton | USAA | $701 | $1,084 |
Parma | State Farm | $694 | $965 |
Canton | State Farm | $744 | $1,032 |
Lorain | USAA | $668 | $973 |
Hamilton | USAA | $724 | $1,085 |
Buying car insurance in Ohio
If your vehicle is registered in Ohio, state law says drivers must have the following minimum liability insurance requirements or other proof of financial responsibility:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Continuous coverage on a vehicle even if it is inoperable or not being driven.
A certificate issued by the Bureau of Motor Vehicles, indicating that money or government bonds in the amount of $30,000 are on deposit with the office of the Treasurer of the State of Ohio.
A certificate of bond issued by the Bureau of Motor Vehicles in the amount of $30,000, signed by two individuals who own real estate having equity of at least $60,000.
A $30,000 bond issued by an insurance company or authorized surety.
These are just the basic required minimum rates. However, if you have a car loan or lease a vehicle, you’ll need to have more than liability insurance.
Ohio is a fault car accident state when it comes to accidents. This means that if you cause an accident, you must fully compensate the other driver for any damages to their property up to the required amounts or personal injuries resulting from the crash.
How to get cheap car insurance in Ohio
Most Ohio insurance companies offer ways to save money on your car insurance. These are some of the discounts available to customers:
Bundling discount: When you get more than one insurance policy (auto and home) from the same insurer
Safe-driver discount: For drivers without any accident claims during a given time frame or for those drivers who take a defensive driving course
Group or association discount: A discount for members of a certain profession or university
Military discount: A discount for active-duty military and their family
Not everyone will qualify for these discounts. Comparing quotes from top companies can help you make the right choice.
Find car insurance in your city:
Frequently asked questions
Who has the cheapest car insurance in Ohio?
According to our research, USAA has the cheapest rates in the state, but only drivers who are connected to the U.S. military qualify for coverage with USAA. State Farm has the lowest average rates for the general public.
How much is car insurance per month in Ohio?
The average cost of car insurance in Ohio is $84 per month, or $1,008 per year.
Does Ohio have cheap car insurance?
Yes, the cost of car insurance in Ohio is the cheapest in the country. Even in the state's largest cities, the cost of car insurance remains far cheaper than the national average.
Is Ohio a fault or no fault state?
Ohio is an at-fault state. This means a driver who is at fault for an accident is responsible for the bodily injury and property damage expenses caused by the accident, whether or not they have enough insurance to cover those costs.
