Best Car Insurance in Ohio (2025)
State Farm, Erie, and USAA are among the top car insurance companies in Ohio.
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Written byJess Ullrich
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Más de 10 años escribiendo sobre seguros y finanzas personales
Ex editora asociada de finanzas de Investopedia
Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Since every driver’s situation is unique, finding the best car insurance can be challenging. Drivers in Ohio pay an average of $94 per month, but rates can vary. Insurify analyzed 50 different insurers in Ohio to help you find the cheapest car insurance companies.
The best car insurance companies in Ohio offer affordable policies, accessible customer service, and ample discounts.
Best car insurance companies in Ohio
Based on our analysis, the following companies represent some of the top auto insurers in Ohio. These companies offer affordable policies, accessible customer service, and significant discounts.
State Farm: Best overall
| 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. | 9.3 /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. | $46/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. | $70/mo |
4.1
Best choiceBased on 12,014 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
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
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,316)
Theodore
Verified Review
When the chips are down...
Reviewed in Pennsylvania on October 2025
They were unhelpful in the wake of the pandemic when the shortage of auto parts led to long waits for repairs. There was no flexibility regarding lender vehicles or rentals.
Kaitlin
Verified Review
I am very happy with State Farm.
Reviewed in Georgia on October 2025
They were very good. I am well pleased.
Joseph
Verified Review
Excellent but expensive
Reviewed in Florida on October 2025
State Farm offers good coverage but is pricey.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
State Farm is a large, established car insurance company offering affordable coverage and many discounts for Ohio drivers — including discounts for vehicle safety, bundling, and safe driving. Besides providing opportunities to save, State Farm is also highly rated for financial stability by independent credit-rating agencies, signaling it can successfully pay policyholders’ claims.
Pros
Safe driving discount of up to 30%
High J.D. Power customer satisfaction ratings
Discount of up to 20% for drivers younger than 25 with no recent accidents or moving violations
Cons
Payoff Protector (gap) coverage restricted to customers who originate an auto loan through State Farm Bank
Doesn’t offer pay-per-mile insurance
Accident forgiveness coverage not available
Erie: Best for cheap coverage
| User Reviews | 4.4 |
|---|---|
| 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. | 8.4 /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. | $54/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. | $82/mo |
4.4
Best choiceBased on 411 verified guest reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
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
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (202)
Mark
Verified Review
Excellent Experience
Reviewed in Kentucky on October 2025
Great customer service and met all my expectations.
Michael
Verified Review
No thanks
Reviewed in Kentucky on October 2025
They have increased rates almost every year. I've been looking for a better option where I don't have to provide my phone number to get a quote.
Amber
Verified Review
Great insurance company as long as you have no claims
Reviewed in Maryland on October 2025
They handle claims poorly. There’s always a bill they don’t pay. I have had zero at-fault accidents in over 25 years, and my insurance keeps going up. I’m 64 years old and drive maybe a hundred miles a month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.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
Like State Farm, Erie offers cheap car insurance for Ohio drivers. The super-regional company is highly rated for financial stability and customer satisfaction, making it a good option if you’re shopping for a new policy. Policyholders may be eligible for multi-policy discounts, first-accident forgiveness, and student discounts. Erie also has a rate-lock feature that helps you maintain level premiums for a few years.
Pros
High J.D. Power customer satisfaction ratings
24/7 roadside assistance
Quotes available online
Cons
Online claims filing not available
Only available in 12 states and Washington, D.C.
Must contact an agent to get quotes and purchase a policy
USAA: Best for military members
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $60/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. | $91/mo |
4.9
Best choiceBased on 2,271 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,265)
Hosea
Verified Review
USA's Monitoring Practices
Reviewed in Georgia on October 2025
I do not care for their big brother approach. They monitor your hands-free phone calls and deduct points for talking, which affects your premium. They also took my average miles driven per year and divided it by 12. If I go over my monthly allowance, I pay more for my next premium. Ridiculous!
Howard
Verified Review
Avoid USAA
Reviewed in Louisiana on October 2025
Worsening service for increasing costs.
Joe
Verified Review
Car Insurance Rates
Reviewed in Delaware on October 2025
Overall good. However, more than once I was sent emails stating I did not pay insurance for the month. I set it up monthly. They charged me double the next month. Plus, my rate of $99 for minimum coverage went to $137. I am going to investigate this. I am not going to pay that, though most companies are higher.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
726NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
If you’re one of the thousands of servicemembers stationed at Wright-Patterson Air Force Base, it’s worth getting a quote from USAA. This car insurance company offers coverage exclusively for active-duty members of the U.S. military, veterans, and their eligible family members. Besides cheap rates, it scores high for customer satisfaction and receives strong financial stability ratings.
Pros
Vehicle storage discount if you’re deployed
Safe driving discount of up to 30%
24/7 roadside assistance
Cons
Coverage restricted to members of the military community
Higher-than-average number of customer complaints with the National Association of Insurance Commissioners (NAIC)
Doesn't offer 24/7 customer service
Auto-Owners: Best for discounts
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $54/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. | $82/mo |
4.3
Best choiceBased on 236 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (137)
Lance
Verified Review
Average
Reviewed in Utah on October 2025
They have nearly doubled my premium in the last couple of years for no reason.
Doug
Verified Review
We have been with Auto Owners for some time and when reached out to other Top Insurers no comparison
Reviewed in Minnesota on October 2025
Keep asking for better pricing.
David
Verified Review
Getting Expensive
Reviewed in Michigan on October 2025
I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
While its average rates are slightly higher than those of some competitors, Auto-Owners offers a broad range of discounts. Multi-policy, multi-car, and vehicle safety discounts could lower your insurance costs. Ohio drivers have access to a statewide network of Auto-Owners independent insurance agents. The company also has a lower-than-average number of customer complaints with the NAIC.
Pros
Students can get a discount of up to 20% for good grades
Offers specialty auto coverage for classic cars and modified vehicles
Statewide network of independent insurance agents
Cons
Online quotes not available
Online claims filing not available
Only available in 26 states
Mile Auto: Best for pay-per-mile coverage
| User Reviews | 4.5 |
|---|---|
| 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. | 8.8 /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. | $40/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. | $59/mo |
4.5
Best choiceBased on 161 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (54)
Richard
Verified Review
Adequate
Reviewed in Georgia on October 2025
If you don't drive a lot, then it's the best I've found in regards to cost. However, they raised the base price without informing me.
Sandra
Verified Review
Mile Auto is great, but they need to inform you of the upfront fee, that is every six months.
Reviewed in Oregon on October 2025
Good experience in the beginning. However, when the new policy for the next 6 months started, they didn't inform me that there would be a $129.00 upfront fee, in addition to my monthly payment. I initially thought my policy fee had increased.
Lionel
Verified Review
Poor
Reviewed in Colorado on October 2025
I recently filled out an insurance application and was quoted $64 a month, but I was charged a different rate of $138 a month. That's not what I signed up for. I provided my card number and everything, but I don't want you to withdraw money from my account. I want to cancel because I'm not going to pay $138 a month. I can get cheaper insurance elsewhere. Please cancel my order. I can't get a hold of you; I don't know the phone number, and when I call, it goes to different places. I do not want insurance for $138 a month when I was quoted $64. I think that's misleading. Please stop this. It's not right to change quotes, especially for senior citizens. Thank you.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy we picked this company
If you drive fewer than 10,000 miles per year, you might be paying too much for your auto coverage. Mile Auto offers pay-per-mile coverage that could help you save a substantial amount. It charges a monthly base rate, plus a low per-mile rate, estimating that its customers pay 30% to 40% less for car insurance than they would with a traditional policy.
Pros
Cheap coverage for low-mileage drivers
No required telematics device
Roadside assistance coverage available
Cons
No available discounts
Not rated by J.D. Power for customer satisfaction
Mixed customer reviews
Our editorial team analyzed regional and national auto insurance companies that sell policies in Ohio to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Ohio
The companies above are excellent options if you’re shopping for new coverage, but it’s also helpful to understand some general strategies for finding the best policy. Here are several tips to keep in mind when you’re shopping for car insurance.[1]
Consider your coverage needs
First, you’ll want to think about your coverage needs. You’ll need to at least meet Ohio’s minimum auto insurance coverage requirements, but you might decide you want more coverage for added protection. Besides adding comprehensive and collision coverage to protect your vehicle, roadside assistance might be a worthwhile option, too. Think about your preferences and needs before shopping around.
Read reviews from policyholders
You can gain insight by reading reviews from existing policyholders. Remember, though, that people may be more likely to leave a review if they’ve had a negative experience than if they’ve had a positive one. With this in mind, consider what policyholders share on sites like Trustpilot to get an idea of their experiences.
Research independent ratings
Use tools like the NAIC complaint database, J.D. Power customer satisfaction studies, and AM Best ratings. These independent ratings will help you understand a company’s track record for customer service, satisfaction, and overall financial stability. For instance, if a company has a low AM Best rating for financial strength, you may want to look at other options, even if it offers attractive discounts and cheap coverage.
Compare coverage
Finally, you’ll want to compare quotes from several Ohio insurers. Insurance rates differ significantly across companies, so keep this in mind as you shop around and get multiple quotes. Avoid getting a policy from the first car insurance company you come across, as you could end up paying more for coverage than you would with another insurer.
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Average cost of car insurance in Ohio
Car insurance in Ohio costs an average of $94 per month. Ohio drivers pay an average of $119 per month for full-coverage car insurance, which includes collision, comprehensive, and liability insurance. People who opt for liability-only policies pay an average of $70 per month.
Insurance rates in Ohio are significantly lower than the national monthly averages of $179 for full coverage and $101 for liability-only insurance.
Best car insurance in Ohio FAQs
If you still have questions about the best car insurance in Ohio, this additional information may help as you research your options.
How much is car insurance in Ohio?
The overall average rate for auto insurance in Ohio is $94. Full-coverage auto insurance in Ohio costs an average of $119 per month, and drivers pay $70 on average for a liability-only policy. Your insurance rates will vary depending on where you live in Ohio, your gender, age, driving record, and other factors.
What are the best car insurance companies in Ohio?
State Farm, Erie, and USAA are among the best car insurance companies in Ohio. But the best company for you depends on your individual situation, so it’s smart to compare options and get multiple quotes. Doing so will help you find affordable coverage that works well for your situation.
What is the required auto insurance coverage amount in Ohio?
To drive legally in Ohio, drivers must purchase a minimum of $25,000 in bodily injury liability insurance per person and at least $50,000 in bodily injury liability insurance per accident. Drivers must also carry no less than $25,000 in property damage liability insurance.[2]
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Sources
- Insurance Information Institute. "How to find the right auto insurance."
- Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
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Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.