The best car insurance in Ohio

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Gianetta PalmerGianetta PalmerFreelance contributorGianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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The average car insurance rate for full coverage in Ohio is $1,008 per year. Ohio is the cheapest state for car insurance in the country, but it's possible for drivers to find even cheaper rates.

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Your car insurance rates are going to be different from what your neighbor pays. Details like your age, credit score, and driving record all determine the rates you pay. Policygenius can help you compare rates from top insurers so you can choose the best coverage at the right price.

Key Takeaways

  • USAA offers the lowest average car insurance rates at $712 per year for full coverage

  • The cheapest car insurance in Ohio for drivers with poor credit is GEICO

  • Ohio minimum liability car insurance requirements are $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability per accident

Cheapest car insurance companies in Ohio

If you dream of driving a luxury vehicle, then you should be prepared to pay more to insure it. The more expensive a car is to repair, the higher the insurance will be to keep you legal and on the road. 

Other factors that determine your insurance rates include your location, marital status, and driving history. The table below shows the five cheapest car insurance companies in Ohio.

Company

Average cost

JD Power Rating

USAA

$712

890

State Farm

$721

882

GEICO

$783

874

Auto-Owners Insurance

$793

865

Erie

$818

893

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.

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

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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

Getting a ticket for running a red light might not seem like a big deal, but it can raise your insurance rates by several hundred dollars with some companies. 

The average car insurance rates for drivers in Ohio with speeding tickets or other moving violations are shown below.

Violation

USAA

State Farm

GEICO

Auto-Owners Insurance

Erie

At-fault accident

$1,097

$865

$1,416

$1,131

$1,182

DUI

$1,138

$799

$1,792

$1,541

$1,407

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

Speeding

$957

$799

$1,792

$1,036

$957

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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.

Company

Rates for drivers with bad credit

GEICO

$1,148

Nationwide

$1,277

USAA

$1,323

Grange Insurance

$1,337

State Farm

$1,640

Car insurance costs in Ohio cities

The more people in an area, the more cars on the roads, which means a higher risk of accidents. Below are the average car insurance rates for the ten largest cities in Ohio, based on population.

  • Columbus: $1,153

  • Cincinnati: $1,177

  • Cleveland: $1,191

  • Toledo: $1,159

  • Akron: $1,095

  • Dayton: $1,084

  • Parma: $965

  • Canton: $1,032

  • Youngstown: $1,165

  • Lorain: $973

While the residents of Ohio's larger cities tend to pay more for insurance, coverage remains relatively cheap throughout the state.

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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.

Methodology

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.

Authors

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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