Cheapest Auto Insurance in Ohio (2024)

Mile Auto offers the cheapest liability car insurance in Ohio, at $36 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.

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.

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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 June 12, 2024

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Cheapest recent rates in Ohio

Recent Ohio car insurance prices for Honda, Toyota, Mazda , and more.

*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on June 12, 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 June 12, 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 June 12, 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 June 12, 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 $115 per month. This is lower than the national average of $160 per month.

Mile Auto, State Farm, and Hugo 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 $157 for full-coverage insurance, on average.

  • The annual average for car insurance in Ohio is $1,380.

  • 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.6$71$39Cheap rates
Mile Auto3.7$55$36Pay-per-mile coverage
Erie4.6$83$45Regional 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
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.
$39/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.
$71/mo

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

Read our State Farm review
Ray - June 11, 2024
Verified

Took months to get an adjuster for my water leak in the house

Find someone else.

George - June 11, 2024
Verified

Thinking about Switching

Shop around, the prices could be better.

Lawrence - June 11, 2024
Verified

Feels Like Someone's Watching Me, I'm Not Switching

Where did you get the idea that I was switching? That's untrue. I'm in good standing with my current insurance company.

Best insurer for pay-per-mile coverage: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$36/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.
$55/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
876
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.
$83/mo

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

Read our Erie Insurance review
George - June 6, 2024
Verified

Poor

I love you all, but I don't understand why my insurance went up.

Teresa - June 3, 2024
Verified

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

Niomi - June 3, 2024
Verified

Shank and Miles

I had them for years with no complaints. Then, all of a sudden, with no warning, my rate goes up by $50 a month. Nobody has an explanation, nor was I notified. I haven't had tickets in over a decade and I have a new car with all the safety bells and whistles. So, why is it so much?

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

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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 $36 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 $55. 

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.

Recent Insurify quotes for Ohio drivers

Drivers in and around Ohio have found policies from State Farm, GEICO, American Family, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 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 June 12, 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 June 12, 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 June 12, 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:

CoverageMinimum 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/x/169fdfde11/liability-coverage.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 for drivers with an incident

On average, Ohio drivers with a past incident pay $158 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 $49 for drivers with an incident

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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 $171 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: Saturday, June 1 at 12:00 PM PDT
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 CompanyClean Driving RecordWith Speeding Ticket
Mile Auto3651
State Farm3951
Hugo3955
Auto-Owners4560
Erie4561
GEICO4965
Safeco4966
USAA5066
American Family5674
Midvale Home & Auto5778
Clearcover5776
Nationwide5878
Elephant5885
Progressive6485
Commonwealth Casualty73107
The General7398
Liberty Mutual74108
National General78101
Dairyland78104
Direct Auto84112
Allstate86114
GAINSCO88128
CSAA90123
Travelers93124
Farmers95125
State Auto107154
Root111156
Bristol West121159
Foremost137200
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: Hugo

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 $175 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: Saturday, June 1 at 12:00 PM PDT
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 CompanyClean Driving RecordWith Accident
Mile Auto3654
State Farm3953
Hugo3952
Auto-Owners4562
Erie4563
GEICO4968
Safeco4966
USAA5069
American Family5677
Midvale Home & Auto5783
Clearcover5783
Nationwide5881
Elephant5879
Progressive6490
Commonwealth Casualty7399
The General73103
Liberty Mutual74111
National General78107
Dairyland78107
Direct Auto84118
Allstate86118
GAINSCO88117
CSAA90130
Travelers93129
Farmers95130
State Auto107162
Root111162
Bristol West121164
Foremost137206
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 $198 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: Saturday, June 1 at 12:00 PM PDT
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 CompanyClean Driving RecordWith DUI
Mile Auto3656
State Farm3966
Hugo3966
Auto-Owners4577
Erie4577
GEICO4983
Safeco4983
USAA5085
American Family5695
Midvale Home & Auto5797
Clearcover5797
Nationwide5899
Elephant5899
Progressive64109
Commonwealth Casualty73124
The General73124
Liberty Mutual74126
National General78133
Dairyland78133
Direct Auto84143
Allstate86146
GAINSCO88150
CSAA90153
Travelers93158
Farmers95162
State Auto107182
Root111189
Bristol West121206
Foremost137233
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: 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 $76 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: Saturday, June 1 at 12:00 PM PDT
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 CompanyLiability OnlyFull Coverage
Mile Auto2437
Hugo2581
State Farm2749
Erie3055
Auto-Owners3258
GEICO3564
Safeco3660
USAA3666
Nationwide3970
Midvale Home & Auto3967
American Family3971
Elephant4159
Progressive4174
Clearcover4167
Commonwealth Casualty52126
Liberty Mutual5397
The General54114
National General56103
Dairyland56150
Direct Auto58103
Allstate62112
CSAA63114
Travelers65118
GAINSCO65121
Farmers66120
State Auto74129
Root82125
Bristol West87185
Foremost95209
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 $203 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: Saturday, June 1 at 12:00 PM PDT
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 CompanyLiability OnlyFull Coverage
State Farm65119
Hugo67219
Mile Auto69105
Erie75138
GEICO76140
Auto-Owners77141
USAA82151
Elephant95135
American Family97177
Nationwide98177
Midvale Home & Auto98170
Safeco101171
Clearcover110181
Progressive114209
The General117248
Commonwealth Casualty128312
Dairyland129346
Liberty Mutual136251
National General145268
CSAA146264
Allstate149270
Direct Auto152269
GAINSCO155290
Farmers165301
Travelers166301
Root168257
State Auto188330
Bristol West204435
Foremost240526
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.

Find Car Insurance in Ohio

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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 $115 per month. Ohio drivers pay $73 per month for liability coverage and $157 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 $36 for liability coverage. State Farm has the second-cheapest liability coverage rate in the state, at $39 per month. Hugo is the third-cheapest Ohio insurer, with a rate of $39 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 $39 per month for liability and $71 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 $55 per month for full coverage.

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.

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 Department of Insurance. "How Credit Information Can Impact Insurance Premium Amounts."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. National Association of Insurance Commissioners. "A Shopping Tool for Automobile Insurance."
  5. Ohio Department of Insurance. "Auto Insurance Minimum Coverage Requirements."
  6. 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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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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.

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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.

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