Cheapest Auto Insurance in Ohio (2024)

Mile Auto offers the cheapest liability car insurance quotes in Ohio, at $35 per month.

Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated December 22, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent car insurance quotes in Ohio

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $32/mo for full coverage in Ohio.

*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The Buckeye State has a particularly affordable car insurance market, largely due to the state’s low population density per square mile.[1] The average monthly cost of insurance in Ohio is $102 per month, which is lower than the national average of $153 per month.

Mile Auto, State Farm, and Auto-Owners are three of the cheapest companies for car insurance in Ohio, on average. But the best way to find cheap coverage is to compare quotes from multiple companies.

Here’s what you need to know about finding cheap car insurance in Ohio.

Quick Facts
  • Ohio drivers pay $73 per month for liability coverage and $130 for full-coverage insurance, on average.

  • The annual average for car insurance in Ohio is $1,220.

  • In 2023, Ohio had 1,150 recorded fatal traffic accidents, resulting in 1,242 deaths.[2]

3 of the cheapest car insurance companies in Ohio

If you live in the state of Ohio, you can’t drive without auto insurance. Cost is one of the most important factors to consider when looking for car insurance, so you should compare quotes from multiple insurance companies. The best car insurance company for you depends on your situation and needs, so you should also consider your driving record, vehicle type, and more.

You can start your insurance search with three of the top insurers in Ohio below.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
State Farm9.3$67$38
Mile Auto7.5$46$35
Erie9.0$78$44
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

State Farm

State Farm logo
User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$67/mo
4.2
Best choiceBased on 9,253 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,087)

Phillip

December 22, 2024

Verified Review

Normal

Overall, it was good but the prices are getting higher.

Robert

December 21, 2024

Verified Review

Costs are high!

The cost is high.

Jake

December 21, 2024

Verified Review

They Raise Your Rates

They are terrible; they raise your rates.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

One of the largest insurance companies in the U.S., State Farm has many local branches in Ohio. The company has been selling car, home, and life insurance for more than 100 years. State Farm already offers some of the most affordable auto insurance prices in Ohio, but you can save even more by bundling auto insurance with homeowners insurance.

Pros
  • Rideshare coverage available

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Doesn’t offer gap insurance

  • Fewer discounts than some competitors

Mile Auto

Mile Auto logo
User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$35/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$46/mo
4.2
Best choiceBased on 62 verified guest reviews and ratings
Reviews (32)

Ambrosher

December 18, 2024

Verified Purchase

Too Expensive

Too expensive.

Marilyn

December 16, 2024

Verified Purchase

Mile Auto: Jury's Still Out

Please inform me about my monthly charge. Also, avoid using all caps. The photo link needs fixing.

Eva

December 4, 2024

Verified Purchase

Good

Good savings for people who don't drive a lot of miles.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

If you don’t drive a lot and want to reduce your car insurance costs, you might consider Mile Auto. Around 15% of Ohioans work remotely. Remote workers can likely save on pay-per-mile auto insurance.[3] The company calculates pay-per-mile insurance using a base rate and a per-mile rate. If you buy pay-per-mile insurance from Mile Auto, you only pay for what you use. This allows people who drive 10,000 miles or less per year to save.

Pros
  • Vehicle storage insurance available

  • Low rates for low-mileage drivers

Cons
  • Doesn’t offer discounts

  • No available bundles

Erie

Erie Insurance logo
User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$44/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$78/mo
4.1
Best choiceBased on 253 verified guest reviews and ratings
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (133)

Valerie

December 20, 2024

Verified Review

Erie is good, but with our clean driving record, it should be cheaper

It's good insurance, but I believe I could find it cheaper elsewhere.

Lacy

December 11, 2024

Verified Review

They were okay, I guess

They're okay, I guess. They wouldn't sell me full coverage because my car had just a couple of dents, but I still thought it looked good.

Bret

December 9, 2024

Verified Review

Average

Good, but just too expensive.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
876
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Founded in 1925, Erie is the 13th-largest private passenger insurer by market share in Ohio.[4] Erie offers several add-on insurance products, including roadside assistance, rental car insurance, personal items, auto glass repair, locksmith services, and pet injury coverage. In addition to car insurance, Erie offers home, life, and business insurance.

Pros
  • AM Best financial strength rating of A+ (Superior)

  • Rate Lock feature can help you avoid car insurance increases

Cons
  • Online policy purchasing and claim filing not available

  • No usage-based car insurance

How to get the cheapest car insurance in Ohio

The amount you pay for car insurance depends on a variety of factors, including your age, gender, ZIP code, driving record, the type and amount of insurance you want, and the car you drive.[5] Though you can’t control many of the factors that affect rates, you can take certain steps to earn cheaper coverage.

To keep your insurance as cheap as possible, consider the following tips:

  • Compare quotes. If you want to find the best price and auto coverage fit in Ohio, you should compare quotes from multiple insurance companies.

  • Bundle coverage. Most insurers offer opportunities to bundle different insurance products. For example, you can earn a discount for bundling your auto and home or renters insurance.

  • Maintain a clean driving record. The better your record, the less you’ll pay for car insurance. Avoid serious traffic violations by practicing safe driving habits and using caution on the road.

Low-cost car insurance in Ohio

Ohio’s car insurance premiums were one of the fastest-rising in 2023, according to Insurify’s data. But if you live in Ohio, you can still find low-cost car insurance by comparing quotes between different companies before buying a policy. By comparing quotes, you can find the best combination of premiums, discounts, and a cheaper policy.

Ohio doesn’t have a state-funded program to provide low-income drivers with a cheaper option. 

Find Cheap Car Insurance in Ohio

Liability coverage averages $73 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance quotes in Ohio: Mile Auto

Liability insurance coverage includes bodily injury insurance and property damage insurance. Bodily injury covers injuries that you, or anyone on your policy, cause to someone else. Property damage insurance pays for damages you cause to another driver’s vehicle.[6] Most states, including Ohio, require you to have minimum coverage for liability insurance.

The average cost of liability car insurance in Ohio is $73 per month.

The following chart provides the cheapest liability-only quotes from Ohio car insurance companies.

10 Cheapest Liability-Only Insurance Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Ohio: Mile Auto

While liability-only insurance covers injuries and damages to other drivers, a full-coverage auto insurance policy covers damages to your vehicle. Full-coverage insurance includes collision and comprehensive coverage.

Collision coverage reimburses you for your vehicle damage following an accident with another car or object. Comprehensive insurance provides coverage against theft and damage caused by non-accident events, including fire, flood, and vandalism.

On average, Ohio drivers pay $130 per month for full-coverage insurance.

Check out the chart below for the average full-coverage insurance quotes in the state of Ohio.

10 Cheapest Full-Coverage Insurance Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Ohio

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $32/mo for full coverage in Ohio.

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Ohio

Ohio car insurance laws require drivers to have insurance or proof of financial responsibility (FR). You must either obtain the minimum insurance requirements or apply for a bond or post collateral. If you purchase insurance, you must have bodily injury and property damage liability coverage.

If you want to get a bond or post collateral instead of getting insurance, you need the following:

  • Certificate from the Ohio Bureau of Motor Vehicles (BMV) indicating you have government bonds for $30,000 on deposit with the Ohio Treasurer of the State

  • Certificate of bond issued by the BMV for $30,000 signed by two people who own real estate having equity of at least $60,000

  • Certificate of self-insurance from the BMV for people with more than 25 vehicles registered in their name or a company’s name

  • $30,000 bond issued by an authorized surety or insurance company[7]

Here are the state’s specific auto coverage requirements:

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident 
Property damage liability$25,000 per accident

To make sure you have enough vehicle protection, you have the option to purchase additional coverages.

Common add-ons include:

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for medical bills for you and your passengers. It can also cover lost wages.

  • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    Collision coverage

    In the event of a collision with another vehicle or object, collision coverage kicks in to pay for vehicle repair or replacement.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance offers coverage from theft and damage from non-collision-related events, including fire, flood, hail, or a falling tree.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you if a driver without sufficient coverage causes an accident.

Cheapest car insurance companies in Ohio for drivers with an incident

On average, Ohio drivers with a past incident pay $134 per month for car insurance.

A driving incident can include speeding tickets, driving under the influence (DUI) charges, at-fault accidents, and other moving violations. When determining the cost of car insurance, your insurer will consider your driving record as a major factor. The cleaner your record, the lower your premiums.

If you have several incidents, you can expect your premiums to increase. The amount your insurance will increase can vary between insurance companies and depend on the severity and frequency of your incidents.

Learn More: SR-22 Car Insurance Quotes in Ohio

Learn More: SR-22 Car Insurance Quotes in Ohio

Shop for Car Insurance in Ohio

Monthly liability rates start at $44 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance quotes for drivers with a speeding ticket: Mile Auto

Having speeding tickets on your driving record can result in higher auto insurance rates. Ohio drivers have the option of enrolling in a remedial driving instruction course. Completion of the course can remove two demerit points from your record.[8]

Ohio drivers with a past speeding ticket pay an average of $149 per month for car insurance. The table below includes the cheapest car insurance for Ohio drivers with a past speeding ticket.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Avg. Quote With Clean Driving Record
Avg. Quote With Speeding Ticket
Mile Auto$35$47
State Farm$38$50
Auto-Owners$44$59
Erie$44$60
GEICO$48$64
USAA$49$65
American Family$55$73
Nationwide$57$77
Safeco$59$79
Progressive$63$83
The General$65$88
Root$65$93
Commonwealth Casualty$76$109
CSAA$80$109
Dairyland$83$110
Allstate$84$112
Direct Auto$85$113
Clearcover$85$114
Travelers$91$122
National General$91$122
Bristol West$92$123
Farmers$93$123
GAINSCO$101$144
Hugo$108$141
Liberty Mutual$110$157
State Auto$128$183
Foremost$143$204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an at-fault accident: Mile Auto

If you cause a car accident and have to file a claim, your insurance rates will increase. How much they go up can vary between insurance companies. The increase will typically stay on your premium for three years after filing the claim.

On average, Ohio drivers with a past at-fault accident pay $150 per month for auto coverage. Use the table below to start your search for the cheapest car insurance rates for drivers with an at-fault accident in Ohio.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Avg. Quote With Clean Driving Record
Avg. Quote With Accident
Mile Auto$35$49
State Farm$38$52
Auto-Owners$44$61
Erie$44$62
GEICO$48$66
USAA$49$67
American Family$55$76
Nationwide$57$79
Safeco$59$81
Progressive$63$87
The General$65$91
Root$65$95
Commonwealth Casualty$76$102
CSAA$80$114
Dairyland$83$113
Allstate$84$115
Direct Auto$85$119
Clearcover$85$125
Travelers$91$126
National General$91$124
Bristol West$92$126
Farmers$93$127
GAINSCO$101$133
Hugo$108$158
Liberty Mutual$110$160
State Auto$128$190
Foremost$143$209
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: Mile Auto

If you have a record of operating a vehicle while impaired (OVI) — including driving under the influence (DUI) or driving while impaired (DWI) — insurers will view you as a high-risk driver. A drunk driving incident can seriously affect your insurance premiums.

In many cases, your insurance company may even decide not to renew your insurance policy after a DUI. You can also face harsh consequences, including license suspension, high fees, and imprisonment.

The overall average cost of insurance for a driver with a past DUI in Ohio is $170 per month. Find the cheapest auto insurance companies for drivers with a DUI in the table below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Avg. Quote With Clean Driving Record
Avg. Quote With DUI
Mile Auto$35$58
State Farm$38$63
Auto-Owners$44$73
Erie$44$73
GEICO$48$80
USAA$49$81
American Family$55$91
Nationwide$57$95
Safeco$59$88
Progressive$63$104
The General$65$108
Root$65$97
Commonwealth Casualty$76$126
CSAA$80$119
Dairyland$83$138
Allstate$84$139
Direct Auto$85$141
Clearcover$85$141
Travelers$91$151
National General$91$151
Bristol West$92$153
Farmers$93$154
GAINSCO$101$167
Hugo$108$179
Liberty Mutual$110$182
State Auto$128$212
Foremost$143$237
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: Mile Auto

Your age is one of the most significant factors insurance companies use to determine premiums.

Drivers between 30 and 69 tend to earn rates that decrease with age and experience. Once drivers hit retirement age, they typically benefit from some of the lowest average rates by driver age. On average, senior drivers pay $73 per month for car insurance.

Around age 70, rates start to increase again for senior drivers due to aging-related risk factors. Older drivers are more susceptible to injury and medical complications if involved in a crash.

The table below lists the Ohio insurance companies offering the best coverage options for seniors.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Mile Auto$24$32
State Farm$27$48
Erie$31$56
Auto-Owners$32$57
GEICO$36$63
USAA$36$64
Nationwide$39$68
American Family$40$70
Progressive$42$73
Safeco$47$78
The General$49$102
Root$51$89
Commonwealth Casualty$56$147
CSAA$56$92
Direct Auto$61$94
Dairyland$62$148
Allstate$63$110
National General$64$98
Travelers$66$115
Farmers$67$119
Bristol West$69$162
Clearcover$69$130
GAINSCO$79$161
Liberty Mutual$86$143
State Auto$89$156
Foremost$106$236
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: State Farm

Teen drivers pay some of the highest insurance rates. The risk of a crash is highest among teens between the ages of 16 and 19 compared to any other age group. Car crashes are the leading cause of death for teens in the U.S.

Teenagers in Ohio pay $196 per month for car insurance, on average.

Young drivers can save on coverage by earning discounts for maintaining good grades or completing an approved driver training course, increasing their deductible, driving a safe car, and joining their parents’ existing car insurance policy.

Check out the table below to compare companies that offer the lowest rates for teens.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
State Farm$70$123
Mile Auto$72$94
Auto-Owners$79$139
Erie$79$140
GEICO$82$146
USAA$88$154
American Family$101$177
Root$104$181
Nationwide$106$185
The General$110$231
Progressive$117$205
Safeco$119$195
CSAA$137$225
Commonwealth Casualty$140$364
Dairyland$143$344
Allstate$160$280
Direct Auto$165$254
Bristol West$165$390
Clearcover$165$311
Farmers$173$305
Travelers$175$306
GAINSCO$185$378
National General$189$289
Liberty Mutual$200$335
State Auto$242$427
Foremost$270$600
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Ohio car insurance quotes by credit tier

The state of Ohio allows insurers to consider credit history information when setting rates, though it has certain protections regarding how companies can use this information. For instance, Ohio insurance companies can’t use a credit-based insurance score as the only factor in determining premiums.

Insurers typically view drivers with excellent or good credit histories as lower-risk drivers than people with poor credit histories. Drivers with excellent credit typically earn lower car insurance rates.

The table below provides average monthly quotes for a full-coverage policy by credit tier.

Car Insurance Quotes by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Ohio

Insurify partners with 100+ top insurers for accurate quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Car insurance quotes in Ohio cities

Car insurance rates in Ohio vary widely depending on the city and ZIP code in which you live. The table below gives a closer look at how much you can expect to pay for car insurance in Ohio, based on where you live. 

  • City
    Full Coverage
    Liability Only
    Canton$133$71
    Cincinnati$152$84
    Cleveland$153$84
    Columbus $150$90
    Dayton$137$76
    Hamilton$132$78
    Toledo$159$91
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Ohio car insurance FAQs

Before you start shopping around for auto insurance, it’s a good idea to determine the right coverage level for your needs and budget. The following information should help you navigate the process of buying car insurance in Ohio.

  • How much is car insurance in Ohio?

    The state average rate for liability coverage in Ohio is $73 per month. Ohio drivers pay $130 per month for full-coverage insurance.

    The cheapest option for you and how much you pay for coverage will depend on your driving record, age, credit history, and more. The best way to find lower rates is to compare quotes from several of the cheapest companies.

  • Which company has the cheapest car insurance in Ohio?

    Mile Auto offers the cheapest car insurance in Ohio, with a monthly rate of $35 for liability coverage. State Farm has the second-cheapest liability coverage rate in the state, at $38 per month. Auto-Owners is the third-cheapest Ohio insurer, with a rate of $44 per month for liability coverage. To find the cheapest coverage for your needs, you should compare quotes from multiple insurers.

  • What is the cheapest full-coverage insurance in Ohio?

    ​Mile Auto offers the cheapest full-coverage insurance in Ohio. On average, Mile Auto policyholders in Ohio pay $46 per month for full coverage.

  • What are the minimum car insurance requirements in Ohio?

    Ohio drivers need to purchase a minimum amount of car insurance to drive legally in the state, including $25,000 per person in bodily injury liability, $50,000 per accident in bodily injury liability, and $25,000 per accident in property damage liability. 

    But if you choose to do so instead, you can get a certificate from the Ohio Bureau of Motor Vehicles (BMV) that indicates you have government bonds for $30,000 on deposit with the Ohio Treasurer of State.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "QuickFacts Ohio."
  2. Ohio State Highway Patrol. "Fatal Crash Summary by Year."
  3. Axios Columbus. "Columbus likes to work from home."
  4. National Association of Insurance Commissioners. "2023 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. National Association of Insurance Commissioners. "A Shopping Tool for Auto Insurance."
  7. Ohio Department of Insurance. "Auto Insurance Minimum Coverage Requirements."
  8. Ohio State Records. "Traffic Violations in Ohio."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all