Cheap Auto Insurance Quotes in Ohio (November 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?

Quotes by Top Carriers
Quotes ($/mo)
$28
$68
$70
$131
$141
$162
ProgressiveAllstateState FarmNationwideThe GeneralAmerican Family
Monthly $
CityCheapest Carrier
Progressive
$28/mo
Progressive
$41/mo
Progressive
$39/mo
Progressive
$43/mo
Progressive
$42/mo
Progressive
$42/mo
Progressive
$38/mo
TravelersTravelers
$85/mo
ClearcoverClearcover
$99/mo
Progressive
$33/mo
AllstateAllstate
$53/mo
Progressive
$31/mo
Progressive
$32/mo
Progressive
$28/mo
Progressive
$33/mo
Progressive
$33/mo
Progressive
$31/mo
Progressive
$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

Cheapest Liability Auto Insurance in Ohio

For drivers in Ohio, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Ohio. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Ohio.

Cheapest Full Coverage Auto Insurance in Ohio

For drivers in Ohio, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Ohio. The following are the best insurance rates from carriers that offer full coverage auto insurance in Ohio.

Ohio Driving Facts

ohio

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.

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 Company
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 Company
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 Company
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 Company
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 Company
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.

Insurify Insights: How Ohio Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Ohio drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Ohio

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. Among all fifty states, Ohio drivers rank 2 in the number of car accidents per driver.

  • Rank of States: #2
  • Percent of drivers in Ohio with an accident: 13.45%
  • Drivers in OH with an accident in their driving history paid on average 40.48% more than drivers with a clean record

Speeding Ohio

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Ohio drivers rank 1 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #1
  • Percent of drivers in Ohio with a speeding ticket: 16.3%
  • Drivers in OH with a speeding ticket in their driving history paid on average 30.95% more than drivers with a clean record

DUI/DWIs Ohio

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Ohio drivers rank 9 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #9
  • Percent of drivers in Ohio with a DUI: 3.17%
  • Drivers in OH with a DUI in their driving history paid on average 17.46% more than drivers with a clean record

Most Popular Vehicle Ohio

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Ohio is the Honda Civic.

Rude Ohio

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Ohio drivers rank 2 in rude driving infractions.

  • Rank of States: #2
  • Percent of drivers in Ohio with a reckless driving violation: 3.48%
  • Drivers in OH with a reckless driving violation in their driving history paid on average 36.51% more than drivers with a clean record.

Safest Drivers Ohio

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Ohio drivers rank 51 in clean driving records across all fifty states.

  • Rank of States: #51
  • Percent of drivers in Ohio with clean record: 72.13%

Street Racing Ohio

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Ohio drivers rank 29 in street racing violations per driver.

  • Rank of States: #29
  • Percent of drivers in Ohio with a street racing violation: --%

Failure to Yield the Right of Way Ohio

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Ohio drivers rank 5 in failure to yield violations per driver across all fifty states.

  • Rank of States: #5
  • Percent of drivers in Ohio with a failure to yield violation: 0.84%
  • Drivers in OH with a failure to yield violation in their driving history paid on average 45.24% more than drivers with a clean record

Reckless Drivers Ohio

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. Among all fifty states, Ohio drivers rank 13 in the number of reckless driving offenses per driver.

  • Rank of States: #13
  • Percent of drivers in Ohio with a reckless driving offense: 0.18%

Hybrid/Electric Vehicle Ownership Ohio

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Ohio drivers rank 39 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #39
  • Percent of drivers in Ohio with a hybrid/electric vehicle: 0.61%

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

Kent

Greenes Cities
% of Hybrids / Electrics
3%
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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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