Best Car Insurance in Ohio (2026)
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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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
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Edited byBecky Helzer
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Becky HelzerEditor
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
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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 to help you find the cheapest car insurance companies in Ohio.
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 | 4.0 |
|---|---|
| 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. | $43/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. | $77/mo |
4.0
Best choiceBased on 17,001 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 72 reviews from Ohio driversSee all 7,377 State Farm reviews
Verified Review
Reviewed in Ohio on April 13, 2026
Customer service is the best!
Verified Review
Reviewed in Ohio on April 5, 2026
I've been with State Farm since 1989, so they must be doing something right.
Verified Review
Reviewed in Ohio on March 24, 2026
Good experience so far.
…
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 | 3.9 |
|---|---|
| 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. | 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. | $50/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. | $90/mo |
3.9
A solid optionBased on 509 verified driver reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 3 reviews from Ohio driversSee all 231 Erie Insurance reviews
Verified Review
Reviewed in Ohio on February 20, 2026
Many options, check them out.
Verified Review
Reviewed in Ohio on February 9, 2026
Never had a claim. I think their rates are very good!
Verified Review
Reviewed in Ohio on November 3, 2025
Car insurance is high, but homeowners insurance is affordable.
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 | 4.1 |
|---|---|
| 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. | 9.1 /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. | $56/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. | $99/mo |
4.1
Best choiceBased on 3,407 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,531 USAA reviews
Verified Review
Reviewed in Texas on April 12, 2026
USAA was the perfect fit for me. They had lower rates than any other agency. I’m retired and like to have lower rates because I drive 1,000 miles per year. So, I’ll stay with USAA as long as they are the best for people who drive less than working people.
Verified Review
Reviewed in Washington on April 12, 2026
Way too expensive. We are retired and don't drive much.
Verified Review
Reviewed in Michigan on April 12, 2026
I have had USAA Insurance for years and have never had a problem with it. When I have had to make a claim, it is handled expeditiously and the company has always worked with me. I love having them as my insurance company.
…
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 | 4.0 |
|---|---|
| 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. | $50/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. | $90/mo |
4.0
Best choiceBased on 327 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.4 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
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 | 3.9 |
|---|---|
| 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. | 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. | $41/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. | $65/mo |
3.9
A solid optionBased on 196 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 4.1 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 3 reviews from Ohio driversSee all 66 Mile Auto reviews
Verified Purchase
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Verified Purchase
Reviewed in Ohio on December 10, 2025
Really meets our needs now that we have retired and drive very little. Good service with nice people. It's easy to do our monthly check-in, and they always send the statement several days before they draft the payment. Recommend them highly.
Verified Review
Reviewed in Ohio on June 22, 2025
If you drive a lot, this isn't the insurance for you! They charge per mile.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC 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 $121 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 $67 per month.
Insurance rates in Ohio are significantly lower than the national monthly averages of $183 for full coverage and $97 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 $121 per month, and drivers pay $67 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]
Sources
- Insurance Information Institute. "How to find the right auto insurance."
- Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Featured in
Becky HelzerEditor
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert