120+ more*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Ph.D. in Computational Biology
Updated
The average cost of car insurance in Ohio is $94 per month, which is well below the national average of $140. But premiums vary by deductible and coverage level.
For example, liability-only policies in Ohio average $67 per month, while full-coverage policies cost an average of $121 because they offer more protection.
Below are companies offering cheap car insurance in Ohio for both liability-only and full coverage, based on Insurify rate data from 120+ top insurance companies.
Driver Category  | Cheapest Insurance Company in Ohio | Cheapest Monthly Quote in OH |
|---|---|---|
| Overall | Mile Auto | $41 |
| State minimum coverage | Mile Auto | $41 |
| Full coverage | Mile Auto | $65 |
| Drivers with a clean record | Mile Auto | $41 |
| After a speeding ticket | Mile Auto | $51 |
| After an at-fault accident | Mile Auto | $57 |
| After an OVI | Mile Auto | $59 |
| Teens/new drivers | Mile Auto | $91 |
| Seniors | Mile Auto | $32 |
| Bad credit | Mile Auto | $51 |
Liability-only car insurance may be the cheapest option for many Ohio drivers while still meeting the state’s minimum requirements. This coverage pays for injuries and property damage if you cause an accident, but it doesn’t cover your own injuries or vehicle repairs.
Mile Auto currently offers the cheapest average liability rates in Ohio, but it may not be the best fit for every Buckeye driver. The table below highlights several of the cheapest liability companies in Ohio.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $41 |
| State Farm | $43 |
| Progressive | $49 |
| Auto-Owners | $50 |
| Erie | $50 |
| GEICO | $54 |
| Commonwealth Casualty | $56 |
| USAA | $56 |
| Certainly | $58 |
| Safeco | $58 |
| The General | $58 |
| Hugo | $59 |
| American Family | $62 |
| Nationwide | $64 |
| Trexis | $68 |
| AssuranceAmerica | $69 |
| Trexis One | $72 |
| First Acceptance | $77 |
| Elephant | $78 |
| Direct Auto | $80 |
| CSAA | $81 |
| GAINSCO | $82 |
| Clearcover | $84 |
| Bristol West | $85 |
| Dairyland | $89 |
| Root | $90 |
| Allstate | $95 |
| National General | $95 |
| Liberty Mutual | $101 |
| Liberty Mutual | $101 |
| Travelers | $103 |
| Farmers | $105 |
| Insurify Car | $133 |
| State Auto | $145 |
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Brett Clendenen
Sales Manager at Insurify, Insurify
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, drivers with a state-minimum liability policy would be responsible for covering anything above those figures out of their own pocket.
Full-coverage car insurance tends to be the best option for most Buckeye drivers. In Ohio, full coverage typically includes liability, collision, and comprehensive coverage.
Although full coverage generally costs more than liability-only coverage (Ohio’s average rates are $121 and $67 per month, respectively), it offers more protection, most notably for your own vehicle.
We found that Mile Auto offers the best full-coverage rates for many Ohio drivers, averaging $65 per month.
But rates also vary quite a bit from one Ohio driver to the next, so it’s worth comparing quotes. The companies below offer the cheapest full-coverage insurance in Ohio, on average.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $65 |
| State Farm | $77 |
| Auto-Owners | $90 |
| Erie | $90 |
| Safeco | $94 |
| GEICO | $97 |
| Progressive | $97 |
| USAA | $99 |
| American Family | $110 |
| Direct Auto | $113 |
| CSAA | $114 |
| Nationwide | $114 |
| Elephant | $122 |
| AssuranceAmerica | $134 |
| Certainly | $134 |
| The General | $137 |
| National General | $140 |
| Root | $150 |
| Commonwealth Casualty | $151 |
| Liberty Mutual | $168 |
| Liberty Mutual | $168 |
| Allstate | $169 |
| Clearcover | $171 |
| Trexis | $171 |
| Travelers | $183 |
| Farmers | $188 |
| GAINSCO | $188 |
| Bristol West | $191 |
| Trexis One | $203 |
| Dairyland | $209 |
| First Acceptance | $209 |
| State Auto | $260 |
*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurify Car is a flexible, one-week car insurance option for Ohio drivers who don’t need a traditional six- or 12-month auto policy. Unlike standard car insurance coverage, weekly insurance lets you pay for short-term protection and renew only when you need coverage.
It could be a good fit if you’re borrowing a vehicle or only driving temporarily. It may also work well if you only need liability coverage or you can’t make a large up-front payment.
You can check eligibility, view coverage details, and get pricing directly through Insurify Car.
Rates and coverage options vary across Ohio, whether you live in a large metro area like Cincinnati or Cleveland or a small rural town. Comparing the best car insurance companies in Ohio can help you find the right coverage for the lowest price.
| User Reviews | 4.5 |
|---|---|
| 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 |
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.3 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 4.0 | 2.9 |
Drivers appreciate the quality service but find the rates high and claim processing slow.
If you don’t have to commute daily across a big city like Columbus, pay-per-mile coverage could lower your car insurance costs. Mile Auto offers usage-based car insurance in Ohio with a competitive base rate plus a per-mile charge. And you don’t have to worry about data tracking, either. Each month, you verify mileage by submitting a photo of your odometer.
Can lower premiums for low-mileage drivers
No tracking device required
Simple pricing structure
Not cost-effective for Ohioans with long commutes
Limited insurance products available
Not included in J.D. Power auto insurance studies
| 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 |
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 | 3.8 | 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 has a large network of local insurance agents in Ohio, which can be helpful if you prefer in-person support — especially in smaller towns or suburbs. Its rates are often competitive for drivers with poor credit. You can also bundle your homeowners or renters insurance with your auto policy to receive a discount.
Extensive agent network across Ohio
Several available car insurance discounts
Above-average customer satisfaction in North Central region
No accident forgiveness available
Higher-than-expected number of complaints with the National Association of Insurance Commissioners (NAIC)
Poor Better Business Bureau (BBB) ratings
| 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. | $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 |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.8 | 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.
Along with lower rates, Erie offers several discounts for older drivers, including its 55+ driving program, reduced-usage savings, and safe-driving course credit. The company sells policies through independent agents across Ohio, which can make it easier to sign up and manage your coverage.
Affordable premiums with discounts for older drivers
Local independent insurance agents
Top customer satisfaction ranking in the region
Usage-based program rewards gift cards, not discounts
Poor Google Play ratings
No option to purchase online
Car insurance costs in Ohio remain below the national average, with full-coverage premiums averaging $1,368 per year in 2026. Rates across the U.S. surged from 2022 to 2024, partly due to riskier driving behavior after the COVID-19 pandemic. But they dropped by around 6% nationally in 2025.
Looking ahead, Insurify projects a slight 0.7% increase in Ohio by the end of 2026, bringing the projected state average to $1,377 per year.
The table below illustrates how average car insurance rates in Ohio have changed over the last five years.
State Name | 2021-03 | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 1,569 | 1,560 | 1,557 | 1,553 | 1,555 | 1,559 | 1,559 | 1,564 | 1,567 | 1,569 | 1,570 | 1,573 | 1,580 | 1,594 | 1,604 | 1,609 | 1,614 | 1,620 | 1,627 | 1,634 | 1,642 | 1,653 | 1,667 | 1,690 | 1,721 | 1,759 | 1,803 | 1,851 | 1,888 | 1,920 | 1,958 | 1,985 | 2,007 | 2,037 | 2,077 | 2,129 | 2,195 | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
| Ohio | 960 | 969 | 973 | 974 | 975 | 979 | 976 | 980 | 980 | 985 | 992 | 996 | 1,000 | 1,010 | 1,017 | 1,018 | 1,025 | 1,028 | 1,030 | 1,039 | 1,046 | 1,048 | 1,059 | 1,070 | 1,092 | 1,109 | 1,139 | 1,161 | 1,183 | 1,202 | 1,224 | 1,243 | 1,251 | 1,263 | 1,299 | 1,335 | 1,401 | 1,443 | 1,502 | 1,544 | 1,569 | 1,579 | 1,540 | 1,509 | 1,514 | 1,519 | 1,522 | 1,521 | 1,522 | 1,523 | 1,522 | 1,511 | 1,482 | 1,456 | 1,435 | 1,413 | 1,411 | 1,413 | 1,410 | 1,408 | 1,410 |
Liability rates start as low as $41 per month
Ohio law requires you to have an active car insurance policy to drive legally. No one else can drive your vehicle without their own coverage. To meet Ohio car insurance requirements, you must have the following minimum liability limits for bodily injury and property damage:[1]
Type of Coverage | Ohio Requirement |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $25,000 |
The state of Ohio also requires you to provide proof of insurance at traffic stops and after accidents using either a physical or digital ID card.
Ohio is an at-fault, or “tort,” state, meaning the driver who causes a crash is responsible for resulting injuries and property damage.
Car insurance rates in Ohio differ from one city to the next. Large metro areas like Columbus and Cleveland are among the most expensive, and Newark and Springfield are a couple of the most affordable.
You can compare average monthly car insurance quotes for select Ohio cities below.
City | Average Monthly Quote |
|---|---|
| Canton | $92 |
| Cincinnati | $111 |
| Cleveland | $114 |
| Columbus | $118 |
| Dayton | $100 |
| Hamilton | $101 |
| Springfield | $85 |
| Toledo | $113 |
Mile Auto offers the most affordable Ohio auto insurance for people with good credit and a clean driving record, according to Insurify data. Here are the lowest liability-only quotes in Ohio if you have a safe driving history:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $39 |
| State Farm | $40 |
| Erie | $45 |
| Auto-Owners | $47 |
| Progressive | $48 |
| Commonwealth Casualty | $49 |
| GEICO | $51 |
| USAA | $53 |
| The General | $54 |
| Certainly | $57 |
| Hugo | $58 |
| Nationwide | $59 |
| American Family | $59 |
| AssuranceAmerica | $59 |
| Safeco | $60 |
| Trexis | $67 |
| Trexis One | $70 |
| Elephant | $73 |
| Direct Auto | $74 |
| First Acceptance | $75 |
| GAINSCO | $76 |
| Bristol West | $81 |
| Dairyland | $82 |
| Clearcover | $83 |
| National General | $84 |
| CSAA | $86 |
| Root | $88 |
| Allstate | $92 |
| Travelers | $96 |
| Farmers | $98 |
| Liberty Mutual | $103 |
| Liberty Mutual | $103 |
| Insurify Car | $130 |
| State Auto | $131 |
Speeding tickets can raise your car insurance premiums for several years. The length of time depends on the state, but in Ohio, most tickets stay on your record for three years.
Ohio drivers with a recent speeding ticket pay an average of $88 per month for liability car insurance.
The table below highlights the most affordable auto insurance quotes in the Buckeye State for drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $51 |
| State Farm | $56 |
| Progressive | $64 |
| Auto-Owners | $67 |
| Erie | $67 |
| Commonwealth Casualty | $68 |
| GEICO | $72 |
| USAA | $74 |
| Certainly | $76 |
| Hugo | $77 |
| Safeco | $78 |
| The General | $79 |
| American Family | $82 |
| Nationwide | $85 |
| Trexis | $89 |
| AssuranceAmerica | $90 |
| Trexis One | $94 |
| Elephant | $96 |
| GAINSCO | $100 |
| First Acceptance | $101 |
| Direct Auto | $103 |
| CSAA | $108 |
| Bristol West | $110 |
| Clearcover | $110 |
| Dairyland | $113 |
| National General | $121 |
| Root | $122 |
| Allstate | $126 |
| Liberty Mutual | $131 |
| Liberty Mutual | $131 |
| Travelers | $137 |
| Farmers | $137 |
| Insurify Car | $174 |
| State Auto | $197 |
Ohio experienced more than 263,000 car crashes in 2025, marking a streak of five straight years with over a quarter of a million crashes.[2] And those accidents tend to lead to higher insurance rates for the drivers responsible for the collisions.
We found that Ohio drivers with a recent at-fault accident pay an average of $93 per month for auto insurance. Companies like Mile Auto and State Farm offer some of the lowest liability-only rates after an accident, but prices can vary.
The following rates are some of the cheapest in Ohio if you have an at-fault accident on your record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $57 |
| State Farm | $58 |
| Auto-Owners | $68 |
| Progressive | $68 |
| Erie | $68 |
| GEICO | $73 |
| Commonwealth Casualty | $76 |
| USAA | $77 |
| Hugo | $80 |
| Certainly | $80 |
| The General | $82 |
| Safeco | $83 |
| American Family | $85 |
| Nationwide | $88 |
| AssuranceAmerica | $94 |
| Trexis | $94 |
| Trexis One | $100 |
| Elephant | $104 |
| First Acceptance | $107 |
| GAINSCO | $108 |
| Direct Auto | $112 |
| Bristol West | $115 |
| Dairyland | $121 |
| Clearcover | $123 |
| CSAA | $123 |
| Root | $124 |
| National General | $130 |
| Allstate | $131 |
| Liberty Mutual | $137 |
| Liberty Mutual | $137 |
| Travelers | $142 |
| Farmers | $144 |
| Insurify Car | $184 |
| State Auto | $203 |
Getting an operating a vehicle under the influence (OVI) conviction in Ohio can mean three days in jail and possible enrollment in an intervention program.[3] It also means much higher car insurance rates — the average in Ohio jumps from $67 per month for drivers with a clean record to $95 per month after an OVI conviction.
Mile Auto may have the most affordable car insurance in Ohio for drivers with an OVI, but several companies offer relatively affordable rates. The table below shows Ohio’s cheapest OVI insurance quotes for liability-only coverage.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $59 |
| State Farm | $61 |
| Progressive | $69 |
| Erie | $71 |
| Auto-Owners | $71 |
| GEICO | $76 |
| Commonwealth Casualty | $77 |
| The General | $80 |
| USAA | $80 |
| Certainly | $82 |
| Hugo | $84 |
| Safeco | $88 |
| American Family | $89 |
| Nationwide | $91 |
| Trexis | $96 |
| AssuranceAmerica | $99 |
| Trexis One | $102 |
| First Acceptance | $109 |
| Elephant | $111 |
| Direct Auto | $114 |
| CSAA | $116 |
| GAINSCO | $117 |
| Clearcover | $120 |
| Bristol West | $122 |
| Dairyland | $127 |
| Root | $130 |
| Allstate | $136 |
| National General | $136 |
| Liberty Mutual | $144 |
| Liberty Mutual | $144 |
| Travelers | $147 |
| Farmers | $150 |
| Insurify Car | $189 |
| State Auto | $198 |
If you rack up 12 points on your license, Ohio will require you to file an SR-22 form after your license is reinstated to prove you meet the state’s minimum liability requirements.[4]
Insurers generally treat SR-22 filers as high risk, which can raise premiums. For example, SR-22 insurance averages $88 per month in the Buckeye State.
Below are the best quotes for cheap SR-22 insurance in Ohio.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $54 |
| State Farm | $56 |
| Progressive | $64 |
| Auto-Owners | $66 |
| Erie | $66 |
| GEICO | $71 |
| Commonwealth Casualty | $73 |
| USAA | $73 |
| Certainly | $76 |
| Safeco | $76 |
| The General | $76 |
| Hugo | $77 |
| American Family | $81 |
| Nationwide | $84 |
| Trexis | $89 |
| AssuranceAmerica | $91 |
| Trexis One | $94 |
| First Acceptance | $101 |
| Elephant | $102 |
| Direct Auto | $105 |
| CSAA | $106 |
| GAINSCO | $108 |
| Clearcover | $110 |
| Bristol West | $112 |
| Dairyland | $117 |
| Root | $118 |
| Allstate | $125 |
| National General | $125 |
| Liberty Mutual | $132 |
| Liberty Mutual | $132 |
| Travelers | $135 |
| Farmers | $138 |
| Insurify Car | $174 |
| State Auto | $190 |
Check quotes from 120+ top insurers
Ohio teens can start driving at age 15 and six months, but they must follow restrictions on nighttime driving and passenger limits during the first year.[5] Young drivers usually pay higher insurance rates than older drivers, with an average monthly cost of $142 in Ohio for a liability policy.
The following data shows the cheapest quotes for teen car insurance in Ohio.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $90 |
| Mile Auto | $91 |
| Erie | $100 |
| Progressive | $104 |
| GEICO | $106 |
| Auto-Owners | $110 |
| USAA | $112 |
| The General | $113 |
| Commonwealth Casualty | $113 |
| Hugo | $118 |
| Certainly | $123 |
| Safeco | $127 |
| American Family | $127 |
| Nationwide | $135 |
| Trexis | $145 |
| CSAA | $148 |
| Elephant | $150 |
| Clearcover | $151 |
| Trexis One | $153 |
| AssuranceAmerica | $153 |
| GAINSCO | $160 |
| First Acceptance | $164 |
| Bristol West | $164 |
| Direct Auto | $168 |
| Dairyland | $168 |
| Root | $171 |
| Liberty Mutual | $193 |
| Liberty Mutual | $193 |
| Allstate | $203 |
| National General | $205 |
| Farmers | $226 |
| Travelers | $231 |
| Insurify Car | $283 |
| State Auto | $376 |
Mature drivers have more experience behind the wheel and generally pay lower premiums. The average car insurance cost for Ohio’s senior drivers is $58 per month for liability coverage.
Below are some of the cheapest rates for drivers older than 60 in Ohio.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $32 |
| State Farm | $34 |
| Erie | $38 |
| Auto-Owners | $40 |
| Progressive | $42 |
| GEICO | $43 |
| Commonwealth Casualty | $45 |
| USAA | $46 |
| Nationwide | $49 |
| The General | $49 |
| American Family | $50 |
| Certainly | $50 |
| Safeco | $51 |
| Hugo | $51 |
| AssuranceAmerica | $54 |
| Trexis | $59 |
| Trexis One | $62 |
| Elephant | $64 |
| CSAA | $65 |
| Direct Auto | $66 |
| First Acceptance | $67 |
| GAINSCO | $70 |
| Bristol West | $71 |
| Clearcover | $75 |
| National General | $75 |
| Root | $75 |
| Dairyland | $76 |
| Allstate | $77 |
| Travelers | $82 |
| Farmers | $83 |
| Liberty Mutual | $84 |
| Liberty Mutual | $84 |
| State Auto | $110 |
| Insurify Car | $115 |
Ohio law prohibits insurers from using your credit-based insurance score alone to calculate premiums.[6] But Buckeye drivers with bad credit may still pay higher rates.
In Ohio, drivers with poor credit pay an average of $84 per month for car insurance compared to the $59 monthly rate drivers with excellent credit pay.
You can compare cheap Ohio car insurance rates for drivers with bad credit below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $51 |
| Progressive | $61 |
| State Farm | $62 |
| GEICO | $67 |
| USAA | $69 |
| Commonwealth Casualty | $69 |
| Safeco | $72 |
| The General | $72 |
| Certainly | $73 |
| Hugo | $73 |
| Erie | $73 |
| American Family | $74 |
| Auto-Owners | $75 |
| Nationwide | $79 |
| Trexis | $85 |
| AssuranceAmerica | $85 |
| Trexis One | $90 |
| First Acceptance | $96 |
| Elephant | $96 |
| Direct Auto | $99 |
| CSAA | $100 |
| GAINSCO | $101 |
| Clearcover | $104 |
| Bristol West | $105 |
| Dairyland | $110 |
| Root | $111 |
| Allstate | $117 |
| National General | $117 |
| Liberty Mutual | $121 |
| Liberty Mutual | $121 |
| Travelers | $127 |
| Farmers | $130 |
| Insurify Car | $166 |
| State Auto | $180 |
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If you’re on the hunt for cheaper car insurance in the Buckeye State, check out our answers to common questions below.
Mile Auto currently offers the cheapest average car insurance rates in Ohio, at $41 per month, according to Insurify data.
Ohio drivers looking for more affordable car insurance have a few options. Comparing multiple quotes is often the most effective route to cheaper rates, but you can also pursue discounts, adjust your coverage limits, and raise your deductible.
Ohio state law requires all drivers to maintain at least 25/50/25 coverage. That means you’ll need a minimum of $25,000 of bodily injury liability per person, $50,000 of the same coverage per accident, and an additional $25,000 in property damage coverage.
While these limits comply with state law, it’s worth increasing your limits if you can afford to. Many insurance experts recommend liability limits of at least 100/300/100.
Yes. The General is a good insurance company, especially for Ohio drivers who struggle to find coverage elsewhere. The General specializes in “non-standard” insurance for high-risk drivers. Its average rate in Ohio is $58 per month for a basic liability policy.
In addition to Ohio’s state-mandated liability coverage, Lemonade offers collision, comprehensive, medical payments, uninsured/underinsured motorist, and temporary transportation coverage.
Insurify data scientists analyzed more than 190 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:
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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