Cheapest Car Insurance Quotes in Ohio

Cheapest car insurance quotes in Ohio

People with clean driving records and good to excellent credit often qualify for the cheapest car insurance in Ohio. State Farm, Mile Auto, and Auto-Owners offer some of Ohio’s lowest average rates for most drivers.

The table below shows the cheapest average Ohio car insurance quotes for liability and full coverage.

The below rates in Ohio are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Mile Auto	$36	$58
State Farm	$36	$58
Auto-Owners	$41	$68
Erie	$41	$68
Progressive	$41	$77
Commonwealth Casualty	$46	$122
GEICO	$46	$79
USAA	$46	$76
Safeco	$48	$78
The General	$49	$116

Disclaimer: Table data sourced from real-time Ohio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ohio may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Ohio

Liability policies average $64/mo.

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Best-rated insurance companies in Ohio

The following insurance companies are our top picks for Ohio drivers based on real reviews from verified Insurify customers and Insurify Quality (IQ) Scores. The IQ Score weighs data from J.D. Power, AM Best, and the National Association of Insurance Commissioners.

If you’re searching for the best-rated insurance companies in Ohio, start here.

Best for full coverage in Ohio: Erie

full coverage

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User Reviews	4.4 555 reviews
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.	$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.	$68/mo

Details

4.4

Best choice in OhioBased on 555 verified driver reviews and ratings

	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

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

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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

Reviewed in Ohio on May 25, 2026

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

Reviewed in Ohio on February 20, 2026

Many options, check them out.

Douglas

Verified Review

Erie Insurance: Local Agents, Great Customer Service!

Reviewed in Ohio on February 9, 2026

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

More than one-third of Ohio drivers finance or lease vehicles, according to Insurify data. Lenders will typically require those drivers to carry full-coverage car insurance. Erie offers affordable full-coverage rates and options to customize your policy, including a vanishing deductible, personal item coverage, and pet injury coverage.

Pros

• Wide range of coverage options

• High J.D. Power customer satisfaction rating in the North Central region

• Some of the lowest rates for young drivers in Ohio

Cons

• Below-average digital service experience rating

• Fewer digital tools than some national insurers

• New car replacement doesn’t apply to leased vehicles

Best for savings in Ohio: State Farm

savings

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User Reviews	4.1 21,056 reviews
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.	$58/mo

Details

4.1

Best choice in OhioBased on 21,056 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.4	3.6
Discounts	3.9	2.9
Policy transparency	3.9	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

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Best in Ohio for

Customer service

Competitive rates

Discounts for safe drivers

Showing 65 reviews from Ohio driversSee all 8,103 State Farm reviews

Harry

Verified Review

Excellent

Reviewed in Ohio on August 24, 2026

I had no issues with State Farm regarding insurance coverage.

Robert

Verified Review

State Farm Has Great Customer Service

Reviewed in Ohio on August 5, 2026

It may cost more, but State Farm comes through every time when I need them.

Charles

Verified Review

State Farm Claims

Reviewed in Ohio on August 4, 2026

Quick and comprehensive coverage when requested.

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 one of the largest insurance companies and offers some of the cheapest car insurance rates for Ohio drivers. High-risk drivers with tickets, accidents, and other dings on their driving record can also save with State Farm.

Pros

• Competitive rates for high-risk drivers in Ohio

• Offers rideshare coverage

• 24/7 claims support available

Cons

• Accident forgiveness not available

• Doesn’t offer gap insurance

• Only 10 local agents in Ohio

Best for customer service in Ohio: USAA

customer service

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User Reviews	4.9 4,292 reviews
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.	$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.	$76/mo

Details

4.9

Best choice in OhioBased on 4,292 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	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

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Best in Ohio for

Members of the military community

Outstanding customer service

Competitive rates

Showing 4 reviews from Ohio driversSee all 1,691 USAA reviews

Anthony

Verified Review

Avoid this company if you need communication or help

Reviewed in Ohio on July 15, 2026

If you want to talk to a person or communicate with them during a claim, you likely won’t hear anything from them, so it’s best to avoid this company.

William

Verified Review

Insurance shouldn't be for profit

Reviewed in Ohio on May 9, 2026

Insurance is a racket. No car? Need a non-driver's policy, otherwise the gap in insurance is held against you and comes with obnoxiously high rates. Bad credit? For some reason, it's viewed as a high risk and means obnoxiously higher rates. Why the premium on a 14-year-old Audi was $180/month for full coverage for someone with no points is beyond me. If anything, the premium should have gone down due to continued depreciation (i.e., replacement cost goes down).

James

Verified Review

USAA is by your side!

Reviewed in Ohio on January 14, 2026

Never had any negative issues with USAA.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

726

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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

Ohio is home to more than 800,000 active-duty military members, reservists, and veterans, according to state data. USAA offers competitive rates and excellent customer satisfaction in the North Central region. Insurify customers rate USAA a 4.9 out of 5 for policy transparency, flexibility, and value for the money.

Pros

• Highly rated by J.D. Power for customer and claims satisfaction

• Military on-base discount available

• Banking products and member perks

Cons

• Only for past and present military and immediate family members

• Limited customer support hours

• Few optional coverages available

How we chose the best companies

We evaluated insurers operating in Ohio using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Ohio drivers, including traffic and urban congestion, road accidents, and the availability of local agents throughout the state.

How much is car insurance in Ohio?

The average cost of car insurance in Ohio is $1,405 per year for full coverage and $771 per year for liability-only coverage, according to Insurify data.

Both are well below the national annual averages of $2,241 and $1,181, respectively.

Ohio’s well-maintained highway system likely contributes to the state’s lower-than-average crash rate. The Buckeye State also has relatively low minimum coverage requirements compared to other states, which also keeps average rates lower.

Expert’s insight

“While a basic liability policy satisfies Ohio’s legal requirements, it can leave you seriously exposed financially if you cause an accident. These days, even a minor accident can lead to more than $50,000 in medical bills or $25,000 in property damage (Ohio’s current minimum limits). In these cases, a driver with a state-minimum liability policy would be responsible for covering anything above those figures out of their own pocket.”

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Brett ClendenenLicensed P&C Insurance Agent and Sales Manager

Brett Clendenen's bio

Average car insurance quotes in Ohio cities

Factors like local crash rates, traffic, weather, vehicle repair costs, and previous claims affect how much you pay for coverage in Ohio. Use the table below to see average monthly quotes for full coverage and liability-only coverage in different Ohio cities.

The below rates in Ohio are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Newark	$50	$98
Mansfield	$54	$98
Springfield	$56	$100
Lancaster	$57	$106
Elyria	$61	$106
Lorain	$61	$103
Canton	$63	$105
Dayton	$64	$118
Hamilton	$64	$114
Youngstown	$64	$114
Akron	$68	$124
Cincinnati	$71	$130
Cleveland	$71	$137
Maple Heights	$72	$144
Columbus	$75	$139
Toledo	$75	$133

Disclaimer: Table data sourced from real-time Ohio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ohio may vary based on the policy buyer's unique driver profile.

Drivers in larger metro areas like Cleveland, where vehicle theft, vandalism, and traffic congestion are more common, often pay more than people in smaller, less-trafficked communities. The chart below highlights the five most expensive cities in Ohio for car insurance.

The below rates in Ohio are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Cincinnati	$71	$130
Cleveland	$71	$137
Maple Heights	$72	$144
Columbus	$75	$139
Toledo	$75	$133

On-the-spot guidance from licensed insurance experts

Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services

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Qualifications:

• Licensed property and casualty insurance agent

• 10+ years of insurance experience

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Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.

Mallory Mooney's bio

Austin MoyersLicensed P&C Insurance Agent and Sales Manager

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Qualifications:

• Licensed property and casualty insurance agent

• 13+ years of insurance experience

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Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.

Austin Moyers' bio

Brett ClendenenLicensed P&C Insurance Agent and Sales Manager

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Qualifications:

• Licensed property and casualty insurance agent

• 15+ years of insurance experience

---

Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.

Brett Clendenen's bio

Why you should compare car insurance quotes in Ohio

No two insurers price Ohio drivers the same way, even when comparing the same coverage choices. Rates vary based on each company’s risk models, your ZIP code, driving history, and vehicle details.^[1] Shopping around can help you find the best price and avoid overpaying for coverage.

Here are some tips for comparing Ohio car insurance quotes to help you get the most accurate pricing:

• Use a comparison tool to see multiple quotes from Ohio insurers.

• Ask for quotes with identical coverage limits and deductibles.

• Provide accurate information about your driver profile, including your age, gender, location, and driving history.

• Input vehicle details correctly, including the VIN, mileage, make, model, safety features, and more.

• Check your credit before you start, since insurers often use your credit-based insurance score to set rates.

Ohio car insurance requirements

Like most states, Ohio requires drivers to have liability insurance to legally operate a vehicle on the roads. The following table shows Ohio’s minimum auto insurance coverage requirements.^[2]

Type of Coverage	Ohio Requirement
Bodily injury liability (per person)	$25,000
Bodily injury liability (per accident)	$50,000
Property damage liability	$25,000

Ohio’s insurance requirements represent the bare minimum and generally aren’t enough to provide adequate protection. Consider raising liability limits and adding full coverage.

How to find the cheapest Ohio car insurance

Here are a few strategies that can help you find the cheapest car insurance in Ohio:

• Consider liability-only coverage. Around 66% of Ohio drivers own their vehicle outright, according to Insurify data. If you can afford repairs, you may not need comprehensive and collision coverage.

• Ask for discounts. Most insurance companies offer discounts as a way to further reduce your costs. You may be able to save by being a safe driver, loyal customer, student, and more.

• Choose safe vehicles. The Chevrolet Equinox and Ford Escape are Ohio’s two most popular vehicles. They also have high safety ratings, making them cheaper to insure.

• Check your mileage. If you drive below the state average of 9,400 miles per year, you may qualify for a low-mileage discount or get a cheaper rate with pay-per-mile insurance.

• Maintain a clean driving record. Safe driving is the best way to get the cheapest Ohio premiums.

• Bundle your policies. Insuring your vehicle with the same company as your renters or homeowners insurance can help you save on all policies.

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If you need more detailed information about car insurance in Ohio, here’s what you should know about car insurance and driving in the Buckeye State.

How car insurance costs have changed in Ohio

Ohio’s full-coverage car insurance rates decreased by 1.2% in 2025, according to Insurify data. The state’s new 2023 distracted driving law led to a large decrease in crashes and fatalities, likely contributing to lower insurance premiums.

Rates are now stabilizing, but Ohio still has a high rate of uninsured drivers. Because of this, rates are likely to increase slightly to $1,377 by the end of 2026. 

Ohio car insurance FAQs