Cheap Auto Insurance Quotes in Ohio (2021)

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How to get the best and cheapest car insurance for those who bleed scarlet and gray. 

Ohio, so named for the Seneca word ohiːyo', meaning "good river," has got a lot to offer. The Rock & Roll Hall of Fame is one of the most visited sites in the state. It's home to two of the country’s largest theme parks. And the rolling hills of the Appalachian Plateau cover half the state. Maybe that’s why its population has been steadily growing for the last 70 years. Either that or the abundance of peanut-butter-and-chocolate treats known as Buckeyes.

Cheapest Car Insurance in Ohio

Here are the cheapest carriers in Ohio for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Ohio.

Best Car Insurance in Ohio

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Ohio. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Ohio

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Ohio to find you the cheapest quotes in each of these metropolitan areas.

Columbus, Ohio's most populous city, is known as the "Biggest Small Town in America." Did you know that 48% of Americans live within a 600 mile radius of this city?

CityCheapest CarrierQuote
ProgressiveProgressive
$28/mo
ProgressiveProgressive
$41/mo
ProgressiveProgressive
$39/mo
ProgressiveProgressive
$43/mo
ProgressiveProgressive
$42/mo
ProgressiveProgressive
$42/mo
ProgressiveProgressive
$38/mo
ProgressiveProgressive
$37/mo
ProgressiveProgressive
$31/mo
ProgressiveProgressive
$33/mo
AllstateAllstate
$53/mo
ProgressiveProgressive
$31/mo
ProgressiveProgressive
$32/mo
ProgressiveProgressive
$28/mo
ProgressiveProgressive
$33/mo
ProgressiveProgressive
$33/mo
ProgressiveProgressive
$31/mo
ProgressiveProgressive
$30/mo
ClearcoverClearcover
$74/mo
ClearcoverClearcover
$84/mo
ClearcoverClearcover
$91/mo
National GeneralNational General
$86/mo
National GeneralNational General
$84/mo
ClearcoverClearcover
$87/mo
National GeneralNational General
$80/mo
ClearcoverClearcover
$59/mo

Ohio Driving Facts

Minimum Car Insurance Requirements in OH

Liability insurance comprised of bodily injury liability and property damage liability, is mandatory coverage for all drivers in the state of Ohio.

According to the Bureau of Motor Vehicles (BMV), proof of insurance must be carried in the vehicle and shown at traffic stops, vehicle inspections, and accident scenes. Minimum coverages for car insurance in the state of Ohio are:

  • $25,000 for bodily injury liability of one person 
  • $50,000 for bodily injury liability of two or more people
  • $25,000 for property damage liability in an accident

Ohioans are so invested in their residents purchasing liability insurance that its government has any driver applying for a driver’s license sign a document that affirms auto insurance coverage and knowledge of the penalties of driving uninsured.

ohio

Cheapest Car Insurance Quotes in Ohio by Profile

Here are the cheapest insurance companies in Ohio based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Ohio drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Ohio, at $28 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuotes
Progressive
$28/mo
Allstate
$53/mo
State Farm
$56/mo
GEICO
$70/mo
Travelers
$83/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuotes
Erie
$34/mo
Westfield
$36/mo
USAA
$38/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuotes
Auto Owners
$26/mo
Buckeye
$26/mo
Frankenmuth
$26/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuotes
Buckeye
$22/mo
Erie
$22/mo
USAA
$28/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Ohio, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $21 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Ohio 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Ohioans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuotes
USAA
$21/mo
Auto Owners
$22/mo
Erie
$22/mo
Buckeye
$23/mo
Frankenmuth
$26/mo

SR‌-22 Insurance in Ohio

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Ohio on your behalf.

OH BMV Information

  • Unlike in most states, it’s known as the Bureau of Motor Vehicles in Ohio, and it’s known to be fairly technologically advanced. Many forms can be filled out and submitted online, including:
  • Change of address
  • License verification
  • Reinstatement fees
  • Plate renewal, exchange, and replacement
  • Schedule a driving test or other appointment

Additionally, live chat is generally available Monday through Friday from 8 AM to 5 PM.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Ohio

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Ohio offers many green driver incentives, including federal tax credits, alternative fuel vehicle grants, and discounts through some car insurance carriers.

Greenes Cities

Mansfield

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Dayton

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Dayton won Insurify's Most Patriotic Cities Award for the state of Ohio. The National Museum of the United States Air Force at nearby Wright-Patterson Air Force Base is the oldest and largest military aviation museum in the entire world, and attracts over 1 million tourists a year.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Ohio is vital for all car insurance shoppers hitting the road in The Buckeye State.

road with cars illustration

Road Rankings

6%Rural Roads in
Poor Condition

#22
Ranked

7%Structurally Deficient
Rural Bridges

#12
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#28
Ranked


FAQs - Ohio Car Insurance

Is car insurance required in Ohio?

The short answer is yes. The long answer: according to the Ohio Financial Responsibility Laws, there are some alternatives to carrying car insurance in Ohio. But for nearly everyone, these are not appealing options. Alternatives include: Purchasing a bond either in the form of a surety bond, government bond in the amount of $30,000. Posting collateral by obtaining a BMV bond secured by real estate. The real estate must have at least $60,000 in equity. Submitting a BMV Certificate of Money to the Ohio Treasurer of State. Filing a BMV Certificate of Self-Insurance (for companies and people owning more than 26 motor vehicles). Of course, in the event of an at-fault accident, drivers with insurance alternatives will be personally responsible for the cost of damages. This can also include legal fees.

Is Ohio a no-fault state?

No, Ohio is an at-fault state. What’s the difference? In a state that uses no-fault rules, drivers involved in an accident report their bodily injury claims to their own insurance company—no matter who's at fault. That means that even if a driver rear-ends you, you file your medical claim with your own insurance company. In an at-fault state like Ohio, claims for the costs associated with personal injury are made on the at-fault driver’s insurance. There are also fewer restrictions in regards to suing the at-fault driver for pain and suffering. This may sound like a good thing, but if you’re the driver at fault, you’re vulnerable to financial ruin. Considering this risk, you may want to purchase coverage over the state-required minimums.

How do I get the cheapest car insurance in Ohio?

The best way to get the cheapest car insurance in Ohio is through comparison shopping. An easy way to do this is by using a car insurance comparison site like Insurify. This way, you only complete one form to receive your quotes. With Insurify, you will receive six to ten car insurance quotes. Another way you can comparison shop is by completing a quote online or on the phone with each insurance company. This method often takes quite a bit of time.