4.8out of 3,000+ reviews

Cheap Car Insurance in Ohio 2022

Drivers in Ohio pay rates starting at $63/mo. for car insurance.

Secure. Free. Easy-to-use.
auto insurance

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Miranda Marquit
Written by
Miranda Marquit
Miranda Marquit
Written by
Miranda Marquit
Insurance Writer
Miranda Marquit, MBA, is a freelance financial writer covering various markets and topics since 2006. She has contributed to numerous media outlets, including Forbes, TIME, The Hill, NPR, HuffPost, Yahoo! Money, and more. Her work has been syndicated by MSN Money, Marketwatch, Credit.com, and other publications. She has written about insurance topics for Clearsurance, HealthCare.com, and various other websites. She is also an avid podcaster and co-hosts the Money Talks News podcast. Miranda has a Master’s Degree in Journalism from Syracuse University. Connect with her on LinkedIn.
Danny Smith
Edited by
Danny Smith
Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.

Updated November 30, 2022

Ohio is the eighth-cheapest state for car insurance in the country, according to our data. Drivers in the Buckeye State pay an average of $146 per month — $87 less than the national average of $233 per month. Notably, Ohio has the fifth-largest interstate system, with over 8,000 miles of road[1]. Drivers looking to save on insurance should compare car insurance quotes from multiple providers.

Quick Facts

  • The average cost of car insurance in Ohio is $146/mo.

  • State Farm is the cheapest top provider in Ohio, with average rates of $63/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Ohio: State Farm

1
State Farm logo

State Farm

Best Cheap Car Insurance in Ohio
Average Monthly Cost:
$63
Insurify Composite Score:
88

If you’re searching for the best car insurance companies in Ohio, the following insurers provide affordable coverage. While some companies offer cheaper car insurance, it’s important to note whether their coverage meets your insurance needs, as well as the type of customer service you might expect. Consider your car insurance needs as well as price when comparing quotes.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
State Farm88$63
GEICO88$80
USAA96$85
Travelers80$91
American Family89$96
GrangeN/A$56
Erie85$76
StillwaterN/A$81
Mile AutoN/A$83
Kemper PreferredN/A$95
ProgressiveN/A$108
Nationwide89$109
National General58$111
ElephantN/A$114
Safeco86$117
Clearcover97$117
Midvale Home & AutoN/A$132
Commonwealth CasualtyN/A$143
Direct AutoN/A$146
Allstate85$149
Farmers85$156
Foremost SignatureN/A$161
Liberty Mutual82$165
State Auto76$171
The GeneralN/A$180
Kemper SpecialtyN/A$185
SafeAutoN/A$197
Bristol WestN/A$235
CSAAN/A$238
DairylandN/A$266
AmicaN/A$298
KemperN/A$309
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

Minimum car insurance requirements in Ohio

All motor vehicles operated or parked on Ohio roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • Inspecting a vehicle

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Ohio[2] are:

  • $25,000 per person and $50,000 per accident for bodily injury liability: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Ohio is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage liability: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Ohio DMV information

Ohio’s Bureau of Motor Vehicles (BMV) is responsible for licensing, as well as car registration. This is also the agency in charge of suspensions and reinstatements. If you need help answering questions about operating your car, you can visit the Ohio BMV online and set up a profile at BMV.Ohio.gov[3].

Public transportation in Ohio

Ohio features 61 public transit systems[4]. In addition to operating in urban areas like Columbus and Cincinnati, 34 of the transit systems are located in rural areas of the state. Even with these transit systems, though, some areas are more walkable than others and there’s a good chance you’ll want a car in Ohio.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.

Tips for getting cheap car insurance in Ohio

When looking for cheap car insurance in Ohio, you’ll get lower quotes if you have a clean driving record, a higher deductible, and live in certain areas. If you want to ensure you find the best rate, compare car insurance quotes online. 


Other tools for finding cheap car insurance include: 

  • Utilizing all available discounts

  • Bundling two or more insurance policies

  • Maintaining a good credit score

Liability-only vs. full-coverage insurance in Ohio

If you live in Ohio, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Ohio by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
American Family$75$96
GEICO$62$80
State Farm$63$63
Travelers$65$91
USAA$66$85
Allstate$116$149
Amica Mutual$231$298
Bristol West$158$235
Clearcover$87$117
Commonwealth$81$143
CSAA$152$238
Dairyland$141$266
Direct Auto$123$146
Elephant$91$114
Erie$59$76
Farmers$122$156
Foremost Group$64$161
GrangeN/A$56
Kemper$123$309
Kemper Preferred$54$95
Kemper Specialty$108$185
Liberty Mutual$106$165
Midvale Home & Auto$77$132
Mile Auto$68$83
National General$78$111
NationwideN/A$109
Progressive$84$108
SafeAuto$93$197
Safeco$60$117
State Auto$74$171
Stillwater$64$81
The General$120$180
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your driving history affects Ohio car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Ohio. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Ohio based on driving and accident history.

See More: Best Cheap Car Insurance for High-Risk Drivers

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
American Family$83$117$116$116
Farmers$66$92$92$92
State Farm$69$97$97$97
Travelers$84$96$113$110
USAA$54$77$76$76
Allstate$129$181$180$180
Amica Mutual$256$361$358$358
Bristol West$205$315$264$287
Clearcover$104$155N/A$143
Commonwealth Casualty$128$192$231$172
CSAA$191$398$436$354
Dairyland$241$327$305$317
Direct Auto$121$221$196$197
Elephant$105$139$176$131
Erie$204$288$285$285
Foremost GroupSelect$159$174$207$147
GEICO$135$190$188$188
Grange$56N/AN/AN/A
Kemper$346$281$168$296
Kemper Preferred$87$109$59$120
Kemper Specialty$169$239$165$208
Liberty Mutual$156$187$174$190
Midvale Home & Auto$109$186$188$177
Mile Auto$79$115$83$108
National General$88$169$142$144
Nationwide$100$110N/A$149
Progressive$93$131$130$130
SafeAuto$174$261$385$239
Safeco$106$137$80$144
State Auto$131$269N/A$246
Stillwater$80$77N/A$108
The General$156$251$210$229
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Car Insurance Ohio

SR-22 insurance in Ohio

If you have your driver’s license suspended for certain violations, such as driving while uninsured or a DUI, you’re required to file an SR-22 form to have your driving privileges reinstated. You need to get auto insurance that meets the requirements, and your insurer will file the SR-22 with the Ohio BMV. The following list includes insurers that provide an SR-22.

How credit scores affect Ohio car insurance quotes

Depending on the state you live in, your credit score might affect your car insurance premium. Some states ban using a credit-based insurance score, but it’s allowed in Ohio. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$119
Good$141
Average$154
Poor$238
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance Ohio

How your city affects Ohio insurance quotes

Car insurance costs in Ohio can vary depending on the city you live in. In general, you can expect to pay more for insurance in areas with a higher population density. Your ZIP code can also make a difference, depending on various statistics. Here are the rates in some of the major cities in Ohio.

CityAverage Monthly Quote
Aberdeen$257
Akron$160
Amherst$166
Bowling Green$126
Chillicothe$183
Cincinnati$164
Clarksville$347
Cleveland$164
Columbus$172
Dayton$150
Germantown$138
Hilliard$127
Kent$141
Lima$149
Port Clinton$134
Racine$307
Sandusky$126
Toledo$170
Troy$150
Youngstown$166
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your age affects your Ohio car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$300
Under 25$181
20s$141
30s$140
40s$118
50s$108
60s$105
70s$106
80+$142
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others impact all age groups evenly. Like in most of the country, teenagers and drivers under 25 pay the most for car insurance due to a lack of driving experience, which insurers see as a risk.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Travelers offers some of the cheapest rates, with an average of $81 per month for liability-only coverage.

Car Insurance CompanyLiability Only
Nationwide$165
Progressive$110
Travelers$81
Bristol West$223
Clearcover$116
Commonwealth Casualty$115
CSAA$206
Dairyland$192
Direct Auto$163
Elephant$105
Foremost GroupSelectN/A
Kemper$168
Kemper PreferredN/A
Kemper Specialty$148
Liberty Mutual$156
Midvale Home & Auto$112
Mile Auto$102
National General$107
SafeAuto$127
Safeco$79
State AutoN/A
StillwaterN/A
The General$160
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. Drivers in this range typically pay between $108 and $140 per month on average, but quotes for liability coverage start as low as $59 with Travelers.

Car Insurance CompanyLiability Only
Liberty Mutual$78
Progressive$63
Travelers$59
Bristol West$109
Clearcover$70
Commonwealth Casualty$60
CSAA$124
Dairyland$104
Direct Auto$90
Elephant$84
Foremost GroupSelect$51
GrangeN/A
Kemper$73
Kemper Preferred$49
Kemper Specialty$69
Midvale Home & Auto$63
Mile Auto$49
National General$46
Nationwide$98
SafeAuto$69
Safeco$54
State Auto$68
Stillwater$66
The General$88
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. Drivers in this age range pay between $105 and $142 per month on average. Travelers, Progressive, and Liberty Mutual all offer affordable liability rates of $60, $61, and $61, respectively.

Car Insurance CompanyLiability Only
Liberty Mutual$61
Progressive$61
Travelers$60
Bristol West$98
Clearcover$66
Commonwealth Casualty$63
CSAA$103
Dairyland$99
Direct Auto$86
Elephant$69
Foremost GroupSelect$73
Kemper$84
Kemper Preferred$44
Kemper Specialty$86
Midvale Home & Auto$58
Mile Auto$41
National Auto$40
National GeneralN/A
Nationwide$96
SafeAuto$72
Safeco$57
State Auto$66
The General$85
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Ohio car insurance FAQs

  • The cheapest car insurance in Ohio depends on your provider, location, and other factors. For example, Bowling Green has cheaper average car insurance rates than Columbus. Top insurers with the lowest rates in Ohio include State Farm, GEICO, and USAA. The companies offer average monthly rates of $63, $80, and $85, respectively.

    Smaller companies like Grange and Erie also offer affordable car insurance rates for drivers in the state. By driving history, USAA presents drivers with the most affordable rate from a top insurer in Ohio. When broken down by age, coverage level, and driving history, Travelers provides the cheapest average rates for young drivers under 30 in Ohio.

  • In general, state insurance rates increase based on incidents in that state, including whether a state or city has more or fewer accidents than other areas. Based on our data, Ohio actually ranks as the least-safe state for driving in the country. Around 24% of drivers in the state have a recent driving incident on their record.

    More specifically, drivers in Ohio rank first in speeding tickets, ninth in DUIs, second in moving violations, ninth in suspended licenses, and third in accidents compared to drivers in other states. All these incidents mean auto insurers in Ohio are paying out claims, which may increase overall rates throughout the state.

  • On average, drivers in Ohio spend $146 per month for car insurance coverage. The national average of $233 per month exceeds the state average by a significant amount, and Ohio drivers benefit from the eighth-cheapest average premiums in the country. Individual rates vary based on driver history, credit history, age, coverage level, auto insurer, and more.

    Rates in Ohio and elsewhere frequently change and adjust to industry and market conditions, so comparison-shopping at the time of policy renewal or purchase is important. Based on our data, for instance, average car insurance rates in Ohio increased by 25% between June 2021 and June 2022.

  • The best car insurance company for you depends on your coverage needs. Based on Insurify Composite Scores (ICS), the best auto insurers are USAA, American Family, State Farm, and GEICO. With an ICS of 96, USAA offers drivers average quotes of $85 per month. American Family provides average monthly quotes of $96 and has an ICS of 89.

    State Farm and GEICO have the lowest average monthly quotes of $63 and $80, respectively, and each earned an ICS of 88. Our ICS ratings are backed by data and calculated to consider financial strength ratings, industry rankings, customer and claims satisfaction, and more.

  • No, personal injury protection (PIP) coverage is not required for drivers in Ohio. But PIP coverage is available in the state if drivers want more protection for themselves in the event of an accident. Medical payments, or MedPay, coverage is similar to PIP coverage and is also available for Ohio drivers.

    Drivers are required to have a minimum of bodily injury liability and property damage liability insurance to legally drive in Ohio[5]. Though more coverage isn’t required, most drivers benefit from added protection.

  • Yes, Ohio has minimum requirements for car insurance. Specifically, drivers must purchase insurance that covers $25,000 per person for bodily injury liability, $50,000 per accident for bodily injury liability, and $25,000 per accident for property damage liability[6]. Personal injury protection (PIP) coverage is not required in the state.

    Bodily injury protection covers medical bills for people injured during an accident other than the policyholder. Property damage liability insurance goes toward payments for repairs to the property you damaged. Because Ohio is an at-fault state, drivers who cause an accident are responsible for paying expenses related to bodily injury and property damage.

  • In general, car insurance follows the vehicle in Ohio. If someone other than you is driving your car and gets into an accident, your auto insurance provider will most likely provide applicable coverage. But it’s important to read your policy paperwork carefully because some policies only provide liability coverage if another person named in the policy is driving the car[7].

    If the person driving your vehicle has a separate insurance policy, that coverage may come into play as secondary coverage.

  • Full-coverage car insurance includes much more coverage than liability-only car insurance. This coverage type also includes collision and comprehensive coverage. This added coverage protects you more fully, but not all drivers may need it. Individuals with new or expensive vehicles will benefit from purchasing this coverage.

    Bodily injury and property damage liability insurance covers the medical bills and costs for property repairs and replacement for others if you’re responsible for an accident. Collision insurance covers the costs associated with a car accident, and comprehensive insurance covers costs related to natural disasters, theft, vandalism, and more.

Insurify Insights

How Ohio Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Ohio below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Ohio drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Ohio

#2

State with the Most Speeding Tickets Rank

#1

State with the Moving Violations Rank

#6

State with the Most DUIs Rank

#3

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Ohio is the #2 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #2
    • Percent of drivers in Ohio with an accident: 11.4%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Ohio is the #6 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #6
    • Percent of drivers in Ohio with a DUI: 2.5%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Ohio is the #4 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #4
    • Percent of drivers in Ohio with a reckless driving offense: 2.2%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Ohio is the #2 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #2
    • Percent of drivers in Ohio with a rude driving violation: 2.6%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Ohio is the #2 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #2
    • Percent of drivers in Ohio with a speeding ticket: 13.3%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Ohio is the #12 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #12
    • Percent of drivers in Ohio with a failure to yield violation: 0.2%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. Ohio Department of Transportation. "ODOT Facts Book." Accessed November 19, 2022
  2. Ohio Bureau of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  3. Ohio Bureau of Motor Vehicles. "Welcome to the Ohio BMV." Accessed August 10, 2022
  4. Ohio Department of Transportation. "Transit." Accessed August 10, 2022
  5. Ohio Department of Insurance. "Ohio’s Minimum Coverage Requirements for Auto Insurance." Accessed October 12, 2022
  6. Insurance Information institute. "Automobile Financial Responsibility Laws By State." Accessed October 12, 2022
  7. Ohio Department of Insurance. "Automobile Insurance Guide Ohio Department of Insurance." Accessed October 12, 2022
Miranda Marquit
Written by
Miranda Marquit
Linkedin

Insurance Writer

Miranda Marquit, MBA, is a freelance financial writer covering various markets and topics since 2006. She has contributed to numerous media outlets, including Forbes, TIME, The Hill, NPR, HuffPost, Yahoo! Money, and more. Her work has been syndicated by MSN Money, Marketwatch, Credit.com, and other publications. She has written about insurance topics for Clearsurance, HealthCare.com, and various other websites. She is also an avid podcaster and co-hosts the Money Talks News podcast. Miranda has a Master’s Degree in Journalism from Syracuse University. Connect with her on LinkedIn.

Learn More
Danny Smith
Edited by
Danny Smith
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.