Cheapest Auto Insurance in Ohio (2024)

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

Excellent
Allstate LogoProgressive LogoClearcover LogoFarmers LogoTravelers LogoGeico Logo+100 more

Cheapest recent rates in Ohio

Recent Ohio car insurance prices for Saturn, KIA, Dodge , and more.

*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on November 11, 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 11, 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 November 11, 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 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.

Featured in

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

  • Ph.D. in Computational Biology

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

Updated November 11, 2024

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

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

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

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 Farm9.3$67$38Cheap rates
Mile Auto7.5$46$35Pay-per-mile coverage
Erie9.0$78$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 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 9020 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 (4,962)

David

November 10, 2024

Verified Review

Rates

The rates keep going up.

Saundra

November 10, 2024

Verified Review

Review

Okay. I canceled my son's policy and was still charged enormous fees.

Don

November 10, 2024

Verified Review

Fair price for a good product

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

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

If you don’t drive a lot and want to reduce your car insurance costs, you might consider Mile Auto. 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.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
876
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Founded in 1925 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
Shopper Approved
ProgressiveLiberty MutualAllstate

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

Recent Ohio car insurance prices for KIA, Hyundai, Honda , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on November 11, 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 11, 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 11, 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 11, 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:

  • 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 $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
Shopper Approved
ProgressiveLiberty MutualAllstate

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

  • Ph.D. in Computational Biology

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

Insurance Company
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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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

Insurance Company
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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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

Insurance Company
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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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

Insurance Company
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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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

Insurance Company
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.

Find Car Insurance in Ohio

Insurify partners with 100+ top insurers for accurate quotes

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

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

  • 3+ years experience in insurance and personal finance editing

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

Featured in

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

  • Ph.D. in Computational Biology

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

Compare Car Insurance Quotes Instantly

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

Latest Articles

View all