Best Car Insurance in Ohio (2026)

State Farm, Erie, and GEICO rank among the best car insurance companies in Ohio.

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Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyFreelance Insurance and Real Estate Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Katie Powers
Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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Best car insurance companies in Ohio

Insurify analyzed 120+ insurers to identify the best car insurance companies in Ohio. The five insurers below earn the highest rankings for Ohio car insurance based on discounts, coverage options, and customer service.

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.
$36/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
Details
4.1
Best choice in OhioBased on 20,538 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
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 in Ohio for
Customer service
Competitive rates
Discounts for safe drivers
Showing 68 reviews from Ohio driversSee all 7,997 State Farm reviews
Robert
Verified Review
State Farm Has Great Customer Service
It may cost more, but State Farm comes through every time when I need them.
Charles
Verified Review
State Farm Claims
Quick and comprehensive coverage when requested.
Regina
Verified Review
Senior on a limited income, and minimal driving
Even though I’ve had zero claims, no moving violations, and I’m a senior citizen who drives less than 50 miles, my liability-only rate doubled. Why?
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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 our best overall pick for Ohio drivers, offering multi-policy discounts and personalized attention from local agents. You can combine auto insurance with home, renters, condo, or life coverage. Drivers aged 60 and older may qualify for a state-approved discount after completing a defensive driving course.

Pros
  • Flexible bundling discounts

  • Steer Clear savings for drivers younger than 25

  • Safe driver and vehicle safety discounts available

Cons
  • Fewer coverage add-ons available

  • Drive Safe & Save requires driving data

  • Additional online quotes must be routed through an agent

Erie: Best for rate stability

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.
$42/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.
$69/mo
Details
4.4
Best choice in OhioBased on 549 verified driver reviews and ratings
Erie Insurance's score
Industry average
Coverage options4.23.2
Customer service3.83.6
Discounts3.72.9
Policy transparency4.03.1
Value3.72.9
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 in Ohio for
High customer satisfaction
Competitive rates
Optional coverages
Showing 4 reviews from Ohio driversSee all 241 Erie Insurance reviews
Regina
Verified Review
May the best company win
Where I'm at is very good and satisfying. My daughter said I should check you out, so that's why I'm here. I do feel it's good to check out your options instead of going with the first company.
Thomas
Verified Review
Options
Many options, check them out.
Douglas
Verified Review
Erie Insurance: Local Agents, Great Customer Service!
Never had a claim. I think their rates are very good!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
A.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

Erie is our top pick for rate stability in Ohio, thanks to features designed to keep premiums predictable. Insurify projects Ohio’s insurance costs to rise around 0.7% in 2026. Erie’s Rate Lock helps hold your premium steady, while accident forgiveness protects your rate after an accident for more consistent long-term costs.

Pros
  • Pet, locksmith, and glass coverage included

  • Vanishing deductible and higher limits available

  • Bundling and young driver discounts

Cons
  • No option to purchase coverage online

  • Three-year wait for accident forgiveness

  • Vanishing deductible costs extra

GEICO: 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.
9.2 /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.
$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.
$79/mo
Details
4.0
Best choice in OhioBased on 20,234 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.92.9
Policy transparency4.03.1
Value3.82.9
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

Best in Ohio for
Teen drivers
Cheap rates
Accident forgiveness
Showing 26 reviews from Ohio driversSee all 8,085 GEICO reviews
William
Verified Purchase
Easy
Cheapest coverage I found on the internet.
Sandra
Verified Review
GEICO Review
You can get money back for having a clean driving record.
Robert
Verified Review
Costly
Expensive for the coverage I'm getting.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.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

GEICO lets Ohio drivers stack multiple car insurance discounts, from multi-vehicle to good-student savings. GEICO's app-based DriveEasy can turn that lighter, safer driving into a lower rate, with no plug-in device to install.

Pros
  • App and online policy tools

  • Auto-pay, paperless, and early shopper discounts

  • Defensive driver discount

Cons
  • DriveEasy can raise rates at renewal

  • No online defensive driving course

  • Accident forgiveness requires five accident-free years

Progressive: Best for accident forgiveness

JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
648
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.
8.7 /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.
$77/mo
Details
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

Best in Ohio for
Competitive rates
Easy buying process
Telematics program
Showing 57 reviews from Ohio driversSee all 8,958 Progressive reviews
Martha
Verified Review
Make Sure Your Insurance Company Protects You, Not the Shop!
Just started, so I’m not sure yet, but the sign-up process went smoothly and quickly.
Fredrick
Verified Review
Excellent
You didn’t notify Allstate that I changed policies, and they charged me for it.
Janet
Verified Review
Hip! Hip! Hurray!
We are very satisfied with your service.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.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

Progressive is our best choice for accident forgiveness in Ohio, where about 1 in 20 drivers has an accident on record, according to Insurify data. Small claims of less than $500 won’t raise your rate starting with your first policy term, and a large claim won’t raise your rate if you’ve been a Progressive customer for at least five years and you’re accident- and violation-free for up to five years.

If you buy Progressive Accident Forgiveness, you’re eligible to have one accident forgiven per policy period, alongside accidents that qualify for Large and Small Accident Forgiveness.

Pros
  • Small and large accident forgiveness available

  • Snapshot rewards safe driving

  • Multi-car discount averages 12%, according to Progressive

Cons
  • Snapshot may raise rates

  • Teen discount applies after one year

  • Deductible savings bank costs extra

Auto-Owners: Best for coverage options

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.
$42/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
Details
4.3
Best choice in OhioBased on 357 verified driver reviews and ratings
Auto-Owners's score
Industry average
Coverage options4.03.2
Customer service3.73.6
Discounts3.52.9
Policy transparency3.93.1
Value3.52.9
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 in Ohio for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviewsSee all 155 Auto-Owners reviews
Richard
Verified Review
My Experience with Auto-Owners Insurance Company
Very easy to deal with.
Sylvester
Verified Review
The experience I had with the office workers was pleasant.
Good. I never had to file a claim.
Mickey
Verified Review
Policy Evaluation
It’s expensive, but claims are handled quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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

Auto-Owners lets Ohio drivers add coverage beyond the state minimum, helping address gaps in a basic policy. Standard bodily injury liability and uninsured motorist coverage may not cover injuries to you or family members. With more than 108,000 deer-related crashes in Ohio since 2020, adding comprehensive coverage can also help.

Pros
  • At-fault accident forgiveness available

  • Local agent support

  • Optional gap and diminished value protection

Cons
  • Quotes not available online

  • Accident forgiveness requires 36 claim-free months

  • Claims require phone or agent support

  • 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.

Average cost of car insurance in Ohio

The average cost of car insurance in Ohio is $90 per month, which is lower than the national monthly average of $142.

Relatively few Ohio drivers have incidents on their driving records. Roughly 5.6% of Ohio drivers have a ticket, and 5.2% have an accident, according to Insurify data.

Ohio car insurance rates fell about 6% between December 2024 and December 2025, but they may tick up roughly 0.7% by the end of 2026, according to Insurify’s auto insurance report.

Find Cheap Car Insurance in Ohio

Liability policies average $64/mo.

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How to get the best car insurance in Ohio

Use these tips to help you find a car insurance policy to meet your needs in Ohio:

    illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    Start with Ohio’s minimum requirements

    Ohio requires 25/50/25 in liability insurance, which covers $25,000 for injuries to one person, $50,000 per accident, and $25,000 for property damage liability coverage.[1]

    illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Ask about uninsured motorist coverage

    Ohio law doesn’t require uninsured motorist coverage, but insurers may offer it.[2] About 18.5% of Ohio drivers drove without insurance in 2023, one of the highest rates in the country, according to the Insurance Information Institute.

    illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    Take a defensive driving course at 60

    Ohio law requires every insurer to offer a rate reduction to drivers 60 and older who complete an approved accident-prevention course. The state doesn’t approve online-only courses, so the class generally has to be in person.[3]

    illustration card https://a.storyblok.com/f/162273/150x150/3a662e9efd/credit-and-loan-96x96-green_006-credit.svg

    Consider low-mileage programs

    Ohioans average about 9,400 miles a year, according to Insurify data, which is below the 10,000-mile mark that low-mileage programs favor.

    illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare Ohio car insurance quotes from several insurers

    The cheapest car insurance in Ohio is Mile Auto, a pay-per-mile insurer. Mile Auto averages $55 per month for full coverage, while the most expensive, State Auto, averages $208 per month, according to Insurify data. It’s best to compare several insurers and use the same coverage and driver information for each quote to help you find the best deal on car insurance.

    illustration card https://a.storyblok.com/f/162273/150x150/96ac3e2e7e/protection-and-security-96x96-blue_041-credit-card.svg

    Work on your credit history

    Ohio drivers with poor credit pay an average of $80 per month for state-minimum coverage, compared to $57 per month for drivers with excellent credit, according to Insurify data.

Best car insurance in Ohio FAQs

Finding the best car insurance in Ohio usually comes down to comparing rates, ratings, and coverage options. The information below answers questions Ohio drivers commonly ask.

  • Which car insurance companies are rated the best in Ohio?

    The best car insurance companies in Ohio depend on what you’re looking for. State Farm is best for overall value, Erie for rate stability, GEICO for discounts, Progressive for accident forgiveness, and Auto-Owners for coverage options.

  • Which car insurance companies in Ohio have the best customer reviews?

    According to J.D. Power, Erie ranks highest for customer satisfaction in the North Central region, which includes Ohio. Nationwide and GEICO are right behind.

  • What insurance company has the lowest rates in Ohio?

    Mile Auto has the lowest average full-coverage rates in Ohio, at $57 per month, followed by State Farm, at $59 per month. For liability coverage, State Farm averages $36 per month, and Mile Auto averages $36 per month.

Sources

  1. Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
  2. Ohio Legislative Service Commission. "Section 3937.18: Uninsured and underinsured motorist coverage."
  3. Ohio Legislative Service Commission. "Section 3937.43: Reduction in premium charges for insureds over 60 completing motor vehicle accident prevention course."

Methodology

Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Amy Beardsley
Written byAmy BeardsleyFreelance Insurance and Real Estate Writer
Photo of an Insurify author
Amy BeardsleyFreelance Insurance and Real Estate Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Featured in

media logomedia logo

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Katie Powers
Edited byKatie PowersLicensed P&C Agent, Senior Insurance Editor
Photo of an Insurify author
Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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Excellent
4.7 out of 5 based on 16,546 reviews
Secure. Free. Easy-to-use.
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