Cheapest Auto Insurance in Ohio (2024)
Mile Auto offers the cheapest liability car insurance in Ohio, at $35 per month.
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Written byJessica Martel
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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.
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Edited byKatie Powers
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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.
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Data reviewed byKonstantin Halachev
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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 November 21, 2024
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Table of contents
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. This is lower than the national average of $154 per month.
Mile Auto, State Farm, and Auto-Owners offer the cheapest 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 $131 for full-coverage insurance, on average.
The annual average for car insurance in Ohio is $1,223.
Auto insurers in Ohio can consider your credit-based insurance score when determining premiums.[2]
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 ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $38 | Cheap rates |
| Mile Auto | 7.5 | $46 | $35 | Pay-per-mile coverage |
| Erie | 9.0 | $78 | $45 | Regional coverage |
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 28,000 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.
Best insurer for cheap rates: State Farm
| 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 9037 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 (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
As one of the largest insurance companies in the United States, State Farm has a long history of helping customers buy car, home, and life insurance that spans more than 100 years. While State Farm already offers some of the most affordable auto insurance prices in Ohio, 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
Best insurer for pay-per-mile coverage: Mile Auto
| 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 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
If you don’t drive a lot and want to reduce your car insurance costs, you might consider Mile Auto. 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
Best insurer for regional coverage: Erie
| 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. | $45/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 240 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 (126)
Lana
November 10, 2024
Verified Review
Erie Insurance
The policy is difficult to understand. The rates are too high.
George
November 6, 2024
Verified Review
Good People
They handled my claim quickly.
Judie
November 4, 2024
Verified Review
Great Coverage
The coverage is excellent, but I am looking for a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
876NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.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 in Erie, Pennsylvania, the company has become one of the largest auto insurance companies in the U.S. In addition to car insurance, Erie offers home, life, and business insurance. Furthermore, the company offers a roadside assistance and rental car insurance bundle, as well as coverage for personal items, auto glass repair, locksmith services, and pet injury.
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.[3] 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.
Find Cheap Car Insurance in Ohio
Liability coverage starts at $73 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance 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.[4] Most states, including Ohio, require you to have minimum coverage for liability insurance.
The cheapest insurer for liability-only car insurance in Ohio is Mile Auto, with a rate of $35 per month.
The following table provides the cheapest liability-only coverage quotes from Ohio car insurance companies.
10 cheapest insurers for liability-only
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 in Ohio: Mile Auto
While liability-only insurance covers injuries and damages to other drivers, a full-coverage auto 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.
Mile Auto offers the cheapest full-coverage insurance in Ohio, with a monthly cost of $46.
Check out the table below for the average rates of full-coverage insurance in the state of Ohio.
10 cheapest insurers for full coverage
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 rates 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 November 21, 2024
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 November 21, 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 November 21, 2024
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 November 21, 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[5]
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:
Medical payments coverage
Medical payments coverage pays for medical bills for you and your passengers. It can also cover lost wages.
Collision coverage
In the event of a collision with another vehicle or object, collision coverage kicks in to pay for vehicle repair or replacement.
Comprehensive coverage
Comprehensive insurance offers coverage from theft and damage from non-collision-related events, including fire, flood, hail, or a falling tree.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if a driver without sufficient coverage causes an accident.
Cheapest car insurance 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.
Shop for Car Insurance in Ohio
Monthly rates start at $44 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Having speeding tickets on your driving record can also 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.[6]
Ohio drivers with a past speeding ticket pay an average of $150 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Mile Auto | $35 | $47 |
| State Farm | $38 | $50 |
| Auto-Owners | $45 | $61 |
| Erie | $45 | $62 |
| GEICO | $49 | $65 |
| USAA | $50 | $67 |
| American Family | $55 | $73 |
| Nationwide | $57 | $77 |
| Safeco | $59 | $80 |
| Progressive | $63 | $83 |
| Root | $64 | $91 |
| The General | $66 | $90 |
| Commonwealth Casualty | $77 | $110 |
| CSAA | $81 | $110 |
| Dairyland | $82 | $109 |
| Clearcover | $83 | $111 |
| Allstate | $84 | $112 |
| Direct Auto | $85 | $113 |
| Travelers | $91 | $122 |
| National General | $91 | $122 |
| Farmers | $94 | $125 |
| Bristol West | $94 | $126 |
| GAINSCO | $101 | $145 |
| Liberty Mutual | $105 | $150 |
| Hugo | $109 | $143 |
| State Auto | $130 | $186 |
| Foremost | $143 | $205 |
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 for drivers with an at-fault accident: Mile Auto
If you cause a car accident and have to file a claim, you can expect your insurance rates to 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Mile Auto | $35 | $49 |
| State Farm | $38 | $52 |
| Auto-Owners | $45 | $62 |
| Erie | $45 | $63 |
| GEICO | $49 | $67 |
| USAA | $50 | $69 |
| American Family | $55 | $76 |
| Nationwide | $57 | $79 |
| Safeco | $59 | $80 |
| Progressive | $63 | $87 |
| Root | $64 | $94 |
| The General | $66 | $92 |
| Commonwealth Casualty | $77 | $103 |
| CSAA | $81 | $115 |
| Dairyland | $82 | $112 |
| Clearcover | $83 | $122 |
| Allstate | $84 | $115 |
| Direct Auto | $85 | $119 |
| Travelers | $91 | $126 |
| National General | $91 | $125 |
| Farmers | $94 | $129 |
| Bristol West | $94 | $129 |
| GAINSCO | $101 | $133 |
| Liberty Mutual | $105 | $153 |
| Hugo | $109 | $159 |
| State Auto | $130 | $194 |
| 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 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 $171 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Mile Auto | $35 | $58 |
| State Farm | $38 | $63 |
| Auto-Owners | $45 | $75 |
| Erie | $45 | $75 |
| GEICO | $49 | $81 |
| USAA | $50 | $83 |
| American Family | $55 | $91 |
| Nationwide | $57 | $95 |
| Safeco | $59 | $91 |
| Progressive | $63 | $105 |
| Root | $64 | $95 |
| The General | $66 | $110 |
| Commonwealth Casualty | $77 | $128 |
| CSAA | $81 | $121 |
| Dairyland | $82 | $136 |
| Clearcover | $83 | $138 |
| Allstate | $84 | $139 |
| Direct Auto | $85 | $141 |
| Travelers | $91 | $151 |
| National General | $91 | $151 |
| Farmers | $94 | $156 |
| Bristol West | $94 | $156 |
| GAINSCO | $101 | $168 |
| Liberty Mutual | $105 | $174 |
| Hugo | $109 | $181 |
| State Auto | $130 | $216 |
| 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 for seniors: State Farm
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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Mile Auto | $24 | $32 |
| State Farm | $27 | $48 |
| Erie | $32 | $55 |
| Auto-Owners | $33 | $57 |
| GEICO | $36 | $63 |
| USAA | $37 | $65 |
| Nationwide | $39 | $69 |
| American Family | $40 | $70 |
| Progressive | $42 | $73 |
| Safeco | $47 | $77 |
| The General | $50 | $103 |
| Root | $50 | $86 |
| CSAA | $57 | $93 |
| Commonwealth Casualty | $57 | $146 |
| Dairyland | $61 | $151 |
| Direct Auto | $61 | $95 |
| Allstate | $63 | $110 |
| National General | $64 | $98 |
| Travelers | $66 | $116 |
| Clearcover | $67 | $127 |
| Farmers | $68 | $119 |
| Bristol West | $70 | $165 |
| GAINSCO | $79 | $160 |
| Liberty Mutual | $82 | $139 |
| State Auto | $90 | $157 |
| Foremost | $106 | $235 |
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 for teens: State Farm
Teen drivers tend to 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.
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 auto policy.
Teenagers in Ohio pay $195 per month for car insurance, on average. Check out the table below to compare companies that offer the lowest rates for teens.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $69 | $122 |
| Mile Auto | $72 | $94 |
| Auto-Owners | $80 | $139 |
| Erie | $80 | $139 |
| GEICO | $84 | $145 |
| USAA | $89 | $155 |
| American Family | $101 | $176 |
| Root | $102 | $176 |
| Nationwide | $106 | $185 |
| The General | $112 | $232 |
| Progressive | $117 | $205 |
| Safeco | $120 | $197 |
| CSAA | $139 | $226 |
| Dairyland | $141 | $351 |
| Commonwealth Casualty | $141 | $362 |
| Allstate | $159 | $280 |
| Clearcover | $162 | $308 |
| Direct Auto | $165 | $256 |
| Bristol West | $168 | $396 |
| Farmers | $174 | $304 |
| Travelers | $175 | $307 |
| GAINSCO | $185 | $376 |
| National General | $189 | $287 |
| Liberty Mutual | $192 | $325 |
| State Auto | $245 | $428 |
| Foremost | $269 | $595 |
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.
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Ohio car insurance quotes by credit tier
The state of Ohio allows insurers to consider credit score information, 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 scores as lower-risk drivers than people with poor credit scores. 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.
Rates 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.
Ohio car insurance FAQs
Before you start shopping around for auto insurance, you should determine the right amount of coverage 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 average overall cost of car insurance in Ohio is $102 per month. Ohio drivers pay $73 per month for liability coverage and $131 for full-coverage insurance. How much you pay for coverage will depend on your driving record, age, credit history, and more.
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 $45 per month for liability coverage. To find the cheapest coverage for your needs, you should compare quotes from multiple insurers.
What are the best car insurance companies in Ohio?
With an Insurify Quality (IQ) Score of 4.4 out of 5, an AM Best financial strength rating of A++ (Superior), and low average rates, State Farm is the best car insurance company in Ohio.
On average, Ohio drivers with coverage from State Farm pay $38 per month for liability and $67 for full coverage. Other top insurers include Mile Auto and Erie.
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.
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
- 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.
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Sources
- United States Census Bureau. "QuickFacts Ohio."
- Ohio Department of Insurance. "How Credit Information Can Impact Insurance Premium Amounts."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Association of Insurance Commissioners. "A Shopping Tool for Automobile Insurance."
- Ohio Department of Insurance. "Auto Insurance Minimum Coverage Requirements."
- Ohio State Records. "Traffic Violations in Ohio."
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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.
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.
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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.
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