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 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
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.
Flexible bundling discounts
Steer Clear savings for drivers younger than 25
Safe driver and vehicle safety discounts available
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 |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
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.
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.
Pet, locksmith, and glass coverage included
Vanishing deductible and higher limits available
Bundling and young driver discounts
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 |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
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.
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.
App and online policy tools
Auto-pay, paperless, and early shopper discounts
Defensive driver discount
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 |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
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.
Small and large accident forgiveness available
Snapshot rewards safe driving
Multi-car discount averages 12%, according to Progressive
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 |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
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.
At-fault accident forgiveness available
Local agent support
Optional gap and diminished value protection
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.
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:
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]
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.
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]
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.
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.
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
- Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
- Ohio Legislative Service Commission. "Section 3937.18: Uninsured and underinsured motorist coverage."
- 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
- 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.
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