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7+ years in personal finance writing
Small business blogger
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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The average cost of car insurance for Ohio teens is more than double the state average.
At $77 per month, Mile Auto offers the cheapest liability-only car insurance for Ohio teens.
Young drivers in Ohio are in 31% of all crashes but account for only about 13% of the state’s licensed drivers.
Insuring a teen in Ohio costs an average of $137 per month for liability-only coverage and $250 for full coverage.
These quotes reflect the average cost of stand-alone policies for Ohio teens. For example, if an insurer quotes a teen $250 per month for an individual full-coverage policy, it’s typically cheaper for parents to add the teen to their existing auto insurance policy than to purchase a separate policy.
The table below shows the average full-coverage and liability-only quotes from several insurers for teen car insurance in Ohio.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Mile Auto | $121 | $77 |
| State Farm | $127 | $75 |
| Erie | $143 | $83 |
| GEICO | $153 | $90 |
| Auto-Owners | $156 | $91 |
| USAA | $158 | $92 |
| Progressive | $160 | $87 |
| Safeco | $170 | $105 |
| American Family | $179 | $104 |
| Direct Auto | $191 | $139 |
| Elephant | $204 | $130 |
| Root | $208 | $127 |
| The General | $219 | $94 |
| Certainly | $237 | $107 |
| AssuranceAmerica | $238 | $129 |
| National General | $242 | $169 |
| Commonwealth Casualty | $244 | $94 |
| Clearcover | $252 | $126 |
| Liberty Mutual | $261 | $154 |
| Allstate | $286 | $168 |
| GAINSCO | $288 | $127 |
| Bristol West | $296 | $137 |
| Trexis | $299 | $119 |
| Dairyland | $322 | $140 |
| Farmers | $324 | $189 |
| Travelers | $327 | $189 |
| First Acceptance | $354 | $132 |
| Trexis One | $363 | $130 |
| State Auto | $533 | $312 |
Liability policies for teen drivers average $137/mo.
We evaluated teen-specific rates, available discounts, financial strength ratings, and customer satisfaction reports to identify the best auto insurance companies for teen drivers in Ohio.
| 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. | $61/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.
As Ohio’s largest auto insurer by market share, State Farm is a strong option for Ohio teenagers and their families.[1] In addition to its low average rates, State Farm offers numerous discounts for young drivers in Ohio. Through its Steer Clear program, young drivers learn safe driving habits and may qualify for a discount upon successful completion.
Cheap rates for Ohio teens
Good student and driver training discount
Above-average J.D. Power customer satisfaction rating
Low Trustpilot rating
Many complaints filed with the Better Business Bureau (BBB)
Fewer discounts in Ohio than some competitors
| 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. | $78/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 has a reputation for affordable policies. In addition to offering cheap rates to teen drivers, the company also offers a discount of up to 15% to students who maintain a B average. For teens who need a full-coverage policy, GEICO’s rates are particularly affordable.
Generous good student discount
Cheap full-coverage teen rates in Ohio
High J.D. Power customer satisfaction rating
Low Trustpilot rating
High number of BBB complaints
Limited brick-and-mortar Ohio footprint
| 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. | $35/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. | $55/mo |
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.4 | 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.
Ohio is one of the handful of states where Mile Auto operates. Its pay-per-mile pricing model allows drivers to pay based on how many miles they drive each month. Mile Auto has competitive rates for Ohio teens. And if your teen doesn’t drive many miles, the pay-per-mile approach may save you money.
Alternative pay-per-mile model
High Trustpilot rating
Low quotes for Ohio teens
Available in only eight states
No student discounts
Not suitable for drivers with long commutes
To help offset the high cost of car insurance for young drivers, many insurance companies tailor discounts to teens who demonstrate they’re a lower risk. Not every insurance company offers these discounts, and terms vary by company and state.
Good student discount: Ohio has the sixth-largest public school system in the country.[2] Teens with good grades — typically a 3.0 GPA or higher — can often get a substantial discount.
Safe driver discount: Some companies offer telematics programs that monitor driving habits and reward safe behavior.
Driver training courses: Your insurer may offer a discount if your teen completes an approved driver training course. Beyond the state-mandated driver training that teens must complete to get a license, a driver education course builds strong habits for new drivers.
Check quotes from 120+ top insurance companies
Car insurance in Ohio is expensive for teenage drivers for several reasons.
Although they make up just 13% of licensed drivers in the state, young drivers in Ohio are in 31% of crashes.[3] Because young drivers lack experience behind the wheel and are statistically more likely to get into accidents, insurance companies charge them higher rates.
In addition, car insurance premiums in Ohio have climbed by more than 60% since 2021, according to Insurify data. While premiums leveled off in 2024, they remain significantly higher than they were just a few years ago.
More drivers in an area increase the likelihood of accidents, which can lead to higher insurance rates. Ohio’s largest cities — Columbus, Cincinnati, and Cleveland — are also home to several colleges and universities. Areas with high population densities and a high concentration of young drivers tend to experience more crashes, contributing to higher premiums.
These are some of the reasons teen driver car insurance is expensive in Ohio:
High Ohio teen crash rates
Rising Ohio insurance rates since 2021
Higher concentrations of young drivers in Ohio’s largest cities
Drivers in Ohio — including teens — must have liability insurance to legally drive. If your teen causes an accident, liability insurance pays for the other driver’s medical bills and property damage.
Full coverage is optional. It includes comprehensive and collision insurance and protects the car your teen drives.
The following table shows the minimum-coverage limits your teen needs to drive in Ohio.[4]
Coverage Type | Minimum Amount | Required or Optional? |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Required |
| Property damage liability | $25,000 per accident | Required |
| Comprehensive coverage | None | Optional |
| Collision coverage | None | Optional |
To start the driver’s license process, teens in Ohio can get a Temporary Instruction Permit Identification Card (TIPIC) at age 15 and a half. Drivers younger than 18 need to hold their TIPIC for six months before they’re eligible to get their driver’s license.
To get a driver’s license, Ohio teens need to pass a driver’s education course and complete 50 hours of driving, 10 of which must be at night.[5]
No matter your age, you must have liability insurance to comply with Ohio law. The first time law enforcement catches you driving without insurance, the state will suspend your license for one year.[6]
You’ll also have to purchase and maintain an SR-22 certificate for one year. For subsequent violations, license suspension times and fines increase.
Drivers younger than 18 will also lose their license for 60 days if the police pull them over for using electronic devices — even if they’re stuck in a traffic jam or sitting at a stoplight.
Police can pull young drivers over if they observe them using their phones. Those traffic stops can make it easier for officers to discover uninsured drivers.
High insurance costs for teenagers aren’t always inevitable. Follow these tips to keep your teen’s insurance costs in check:
Compare quotes. While Ohio car insurance rates are already well below the nation’s average, checking prices with several companies ensures you pay the lowest rate.
Enroll your teen in a safe driving course. Ohio requires drivers younger than 21 to take a state-approved driver training course.[7] Your insurer may recognize this training and offer a discount, but many companies offer their own programs.
Enroll your teen in a telematics program. Teens who demonstrate safe driving habits often qualify for lower premiums through telematics programs. Nationwide, for instance, advertises a discount of up to 40%.
Raise your deductibles. Raising your comprehensive and collision deductibles is a quick way to lower your premium.
Drop full coverage. If your teen drives an older car that wouldn’t cost much to replace, dropping full coverage in Ohio can lower your teen’s premium by an average of $100 per month.
Insurify partners with 120+ top insurers for real-time quotes
In most cases, it’s cheaper to add your teenager to your existing policy than to buy them a separate one.
When families in Ohio add a teen to their insurance, their premiums increase. But teens who purchase their own coverage typically pay much higher rates.
Teens younger than 18 who want to buy a policy on their own typically need written permission from a parent or guardian.
The table below compares average full-coverage insurance premiums in Ohio for families with a teen on their policy and a stand-alone car insurance policy for a teen driver.
Policy Type | Average Monthly Cost | Average Yearly Cost |
|---|---|---|
| Teen on family policy | $187 | $2,990 |
| Teen on own policy | $249 | $2,243 |
| Cost difference | -$62 | -$748 |
In some cases, it may make more sense for your teen to have their own policy. For instance, if your teen’s car is in their name or your teen isn’t in school and no longer lives at home, your insurer may require them to have a separate policy.
Ohio car insurance is cheaper than the national average, but knowing how to find the best car insurance for your teen can save you some money. See the answers to frequently asked questions below.
A minimum liability insurance policy is the cheapest way to insure your young driver. But if they cause an accident, there’s no protection for their car. Mile Auto offers the cheapest liability coverage for teens in Ohio, at an average of $77 per month.
The cheapest way to insure your 17-year-old driver is to add them to your existing policy. Asking your insurer about discounts your teen qualifies for can also save money.
While insurers classify drivers younger than 25 as “high risk,” you can take steps to lower your Ohio car insurance. These include shopping around for auto insurance quotes, bundling with a renters policy or homeowners policy if you have one, and maintaining a clean driving record.
The average cost of insurance for a teen driver in Ohio is $194 per month. Your costs will depend on the discounts you can find for your teen, the coverage you choose, and whether they can avoid tickets and at-fault accidents.
Ohio requires drivers to have liability insurance with limits of $25,000 per person and $50,000 per accident for bodily injury liability, and $25,000 for property damage liability.
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:
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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7+ years in personal finance writing
Small business blogger
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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