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Ohio Car Insurance for Bad Credit Drivers

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Joe Dyton

By: Joe Dyton

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for Drivers With Bad Credit in Ohio (2022)

For drivers with bad credit in Ohio, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

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 car insurance for drivers with bad credit in Ohio.

CarrierAvg. Monthly Cost
Clearcover Inc$83
Travelers$94
Safeco Insurance$117
SafeAuto$128
Elephant.com$133
Liberty Mutual$142
American Family Insurance$144
Midvale Home & Auto$146
Nationwide$146
Direct Auto$151

Bad Credit Car Insurance in Ohio

Bad credit can make it difficult to get a loan for a car or home. Did you also know a poor credit rating could impact how much you pay for your car insurance? Bad credit probably won't cause you to lose coverage, but there's a good chance you'll have to pay more for it. There are a few states that prohibit car insurance companies from using credit scores as a factor when setting rates, but Ohio is not one of them.

The good news is that a car insurance credit check is considered a "soft inquiry" and won't impact your credit score.

Ohio Car Insurance Rates for Bad Credit Drivers

Excellent
$133
Good
$149
Average
$154
Poor
$164

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Ohio?

Drivers with bad credit generally pay about 11 percent more than average in Ohio. Factors like your payment history and total debt are used to determine your insurance credit score and your risk level, according to the Insurance Information Institute. Car insurance companies will use these figures to calculate how likely you are to file a claim in the future. Your driving record and claims history will also help determine your insurance rates.

Drivers with bad credit in Ohio don't pay that much more for car insurance than those with a better credit rating, but the difference is enough to do what you can to boost your credit score before getting a quote.

Avg. Monthly Cost - for Drivers with Good Credit
$148
Avg. Monthly Cost - for Drivers with Bad Credit
$164
$16 ▴
10.81% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Ohio?

It's hard to find car insurance companies that don't run credit checks prior to providing coverage. That might be for the best, however. Car insurance companies that don't do credit checks often write policies that are more expensive compared to standard insurers. So while having your credit checked when you need car insurance might feel troublesome, or maybe even embarrassing, isn't that better than avoiding the credit check and paying higher rates?

Before you move forward with a car insurance company that won't run a credit check, get a quote from companies that do to get a side-by-side comparison.

Ohio Car Insurance Rates by Credit Tier

Ohio car insurance rates follow a relatively straight path; the better your credit is, the lower your average monthly insurance cost will be. The difference in average monthly insurance costs between an Ohio driver with excellent credit and one with poor credit is only about $30. This is further proof that a lot more than a driver's credit score goes into determining insurance rates.

Credit TierAvg. Monthly Cost
Excellent$133
Good$149
Average$154
Poor$164

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Car Insurance Rates With Bad Credit in Ohio Cities

Car insurance rates for drivers with bad credit in Ohio don't vary too much from city to city. The gap between Dayton and Columbus is a little more than $30. After Dayton ($154), Akron and Cleveland are the least expensive Ohio cities for drivers with bad credit.

CityCredit TierAvg. Monthly Cost
ColumbusPoor$187
ClevelandPoor$163
CincinnatiPoor$176
DaytonPoor$152
ToledoPoor$180
AkronPoor$158

Tips for Researching Bad Credit Ohio Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Ohio draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Ohio Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Ohio. 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.

  • The way to find the carrier with the best auto insurance ratings in Ohio and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Joe Dyton
Joe Dyton

Content Writer at Insurify

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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