Cheap Full-Coverage Car Insurance in Ohio (2026)
Ohio drivers can find the cheapest full-coverage car insurance from Mile Auto, with an average rate of $55 per month.
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
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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
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John LeachLicensed P&C Agent, Chief Copy Editor
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Quick Facts
On average, Ohio drivers pay $117 per month for full-coverage policies, which is much lower than the national average.
The cheapest full-coverage insurance company in Ohio is Mile Auto, with an average rate of $55 per month.
Ohio ranks among the 10 worst states for vehicle theft, according to Insurify data, which can affect car insurance rates.
Cheapest full-coverage car insurance in Ohio
Drivers in the Buckeye State pay a monthly average of $117 for full-coverage car insurance. But rates vary by insurer. Insurify found that the cheapest full-coverage car insurance company in Ohio is Mile Auto, with an average rate of $55 per month.
The table below shows the cheapest full-coverage rates for drivers in Ohio.
The below rates in Ohio are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Mile Auto | $55 |
| State Farm | $61 |
| Auto-Owners | $72 |
| Erie | $72 |
| Progressive | $75 |
| GEICO | $78 |
| Safeco | $78 |
| USAA | $79 |
| American Family | $88 |
| Direct Auto | $91 |
| CSAA | $102 |
| Elephant | $104 |
| AssuranceAmerica | $107 |
| Certainly | $111 |
| The General | $112 |
| National General | $113 |
| Commonwealth Casualty | $120 |
| Root | $125 |
| Allstate | $135 |
| Liberty Mutual | $137 |
| Clearcover | $140 |
| Trexis | $140 |
| Travelers | $147 |
| GAINSCO | $150 |
| Farmers | $151 |
| Bristol West | $154 |
| First Acceptance | $166 |
| Dairyland | $170 |
| Trexis One | $170 |
| State Auto | $208 |
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.
How much is full-coverage insurance in Ohio?
The average cost of a full-coverage car insurance policy in Ohio is $117 per month, which is significantly lower than the national average of $186.
Ohio’s lower rates are due to several factors, including the state’s population. About 24% of Ohio’s population lives in rural areas, and these areas tend to have lower population densities and lower rates of claims.[1]
Ohio also has a lower cost of living than the national average, so parts and repairs tend to be cheaper than they are in other states.[2]
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How to find cheap full-coverage car insurance in Ohio
To find cheap full-coverage insurance in Ohio, follow these tips:
Enroll in a usage-based insurance (UBI) policy. UBI policies base your premiums on your typical mileage and driving, so drivers who maintain safe driving habits may be able to purchase inexpensive coverage.
Complete a driving course. In Ohio, drivers who are 60 or older can qualify for a discount from their insurer if they complete an approved mature driver course.[3] Similar benefits are available for drivers of other ages as well.
Bundle your insurance. Many insurers offer multi-policy discounts for bundling car insurance with other forms of coverage, such as homeowners insurance, renters insurance, or life insurance.
Talk to your agent about discounts. You may be eligible for good student discounts, safe driver discounts, or discounts for your vehicle’s safety features.
Compare auto insurance quotes. Car insurance rates vary significantly by insurer in Ohio, so you could save hundreds per year by shopping around and comparing rates from several auto insurance companies.
What full-coverage car insurance covers
Although there isn’t one set definition for a full-coverage policy, in Ohio, full coverage is a term that refers to a car insurance policy that packages several forms of insurance. A full-coverage auto policy typically includes:
Liability
Liability insurance pays for injuries or damages you cause to others in an at-fault accident.
Comprehensive
Comprehensive coverage pays to repair your own vehicle after non-collision incidents, such as theft, vandalism, or a fallen tree.
Collision
Collision coverage pays to repair your own vehicle if it’s damaged in an accident.
Other forms of optional insurance include medical payments coverage, uninsured motorist coverage, and roadside assistance.
Like most states, Ohio requires all drivers to have car insurance, and your policy must meet the state’s 25/50/25 minimum requirements:
$25,000 bodily injury liability per person: This coverage pays for the medical expenses and related costs for the other driver or their passengers if you cause an accident.
$50,000 bodily injury liability per accident: This coverage pays for the medical expenses of multiple people injured in an accident.[4]
$25,000 in property damage liability: This form of coverage pays to replace the other driver’s vehicle or property that is damaged in an accident.
Those coverage limits are the minimum, but they may not be adequate to protect you and your assets after a major crash. To protect yourself, you may need higher liability coverage limits.
Minimum vs. full-coverage car insurance in Ohio
A minimum liability policy satisfies Ohio’s insurance requirements, while a full-coverage policy adds protection for your own vehicle. Which coverage is the best fit for you depends on several factors including:
Vehicle value: If you have an older or high-mileage vehicle, you may be able to skip full coverage. But a newer car may be more expensive to repair or replace, so full coverage may be necessary.
Your financial situation: If you can comfortably afford to repair or replace your car out of your savings, you can save money by opting for minimum liability insurance. But if you’d struggle to cover the cost of repairs, full-coverage policies provide extra protection.
Risks: If you live in an area prone to deer-related collisions, crime, or weather-related issues, opting for full coverage can give you added protection.
Lien: If you have a loan or lease, your lender will require you to maintain full coverage until the contract ends.
The table below highlights key differences between liability-only and full-coverage policies in Ohio.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Ohio | $64 | $117 |
| Covers damage to your own car | No | Yes |
| Covers damage to other car | Yes | No |
| Covers damages related to weather, such as hail or fallen debris | No | Yes |
| Covers damages related to theft or vandalism | No | Yes |
Disclaimer: Table data is based on real-time Ohio quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Is full-coverage car insurance worth it in Ohio?
For many Ohio drivers, full-coverage car insurance is well worth the added cost for several reasons.
Animal-related collisions are common in Ohio
Each year, Ohio drivers are involved in an average of 18,800 deer-related collisions, according to the Ohio Department of Transportation.[5] Without a full-coverage policy, you could be on the hook for repairing your car after hitting a deer.
For example, say you were driving along U.S. Route 30 in Stark County (the county where the most deer-related crashes occur in the state). A large buck jumps in front of your SUV, and you’re unable to stop.
After the accident, the repair shop says it will cost $10,000 to repair your vehicle. If you had a full-coverage policy, you’d be on the hook for your $500 deductible, but your insurer would cover the remaining $9,500. Without that coverage, you’d have to pay the entire $10,000 bill yourself.
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Ohio is one of the worst states for auto theft
Ohio is also one of the worst states for theft, according to Insurify data. In fact, the National Insurance Crime Bureau reported that more than 20,000 vehicles were stolen in Ohio in 2025, making full coverage especially useful.[6]
About one-third of Ohio drivers have a loan or lease
Plus, approximately 34% of drivers in Ohio have an outstanding car loan or lease, so full coverage may be necessary to satisfy your lender’s requirements.
Pros and cons of full-coverage car insurance in Ohio
Pros
Protects your vehicle after collisions
Satisfies loan or lease requirements
Provides coverage against theft or animal-related damages
Cons
Significantly more expensive
Deductibles apply to collision and comprehensive coverage
May not be cost-effective for older vehicles
Full-coverage car insurance in Ohio FAQs
The following information can help you find affordable car insurance in Ohio.
What is the cheapest full-coverage insurance in Ohio?
In Ohio, the cheapest full-coverage insurer is Mile Auto, with an average rate of $55 per month. Your rates may vary based on your driving history, vehicle, and ZIP code. That’s why it’s important to compare quotes from multiple insurers before choosing your next policy.
Is GEICO or Progressive cheaper in Ohio?
On average, GEICO is slightly cheaper than Progressive for full-coverage insurance in Ohio. But your rates may differ based on your driver profile, so you should compare quotes from both as well as other insurers.
How do you get the cheapest car insurance in Ohio?
To get the cheapest full-coverage car insurance in Ohio, maintain a clean driving record, request quotes from several insurers, and talk to your insurance agent about discounts.
You have several ways to qualify for discounts, including by bundling your homeowners and car insurance policies and by completing an approved driving course. Keep in mind that many insurers offer discounts that aren’t listed on their website, so don’t be afraid to ask.
What is the cheapest auto insurance for teens and young drivers in Ohio?
In Ohio, we found that Mile Auto is the cheapest insurer for teens and young adults. Staying on a parent’s policy, maintaining good grades in high school and college, and enrolling in a telematics program are all ways teens can save on car insurance.
Sources
- United Health Foundation. "Rural Population by State."
- Missouri Economic Research & Information Center. "Cost of Living Data Series."
- Ohio Department of Aging. "State agencies partner to keep older drivers safe."
- Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
- Ohio Department of Transportation. "A Simple Solution to Reduce Deer-Vehicle Collisions."
- National Insurance Crime Bureau. "U.S. Vehicle Thefts Experience Historic Decline."
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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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
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
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in