Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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.
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The Buckeye State has a particularly affordable car insurance market, largely due to the state’s low population density per square mile.[1] The average monthly cost of insurance in Ohio is $114 per month. This is lower than the national average of $160 per month.
Mile Auto, Hugo, and State Farm offer the cheapest car insurance in Ohio, on average. But the best way to find cheap coverage is to compare quotes from multiple companies.
Here’s what you need to know about finding cheap car insurance in Ohio.
Quick Facts
Ohio drivers pay $74 per month for liability coverage and $155 for full-coverage insurance, on average.
The annual average for car insurance in Ohio is $1,372.
Auto insurers in Ohio can consider your credit-based insurance score when determining premiums.[2]
Cheapest car insurance companies in Ohio
If you live in the state of Ohio, you can’t drive without auto insurance. Cost is one of the most important factors to consider when looking for car insurance, so you should compare quotes from multiple insurance companies. The best car insurance company for you depends on your situation and needs, so you should also consider your driving record, vehicle type, and more.
You can start your insurance search with three of the top insurers in Ohio below.
Insurance Company
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
$39/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
As one of the largest insurance companies in the United States, State Farm has a long history of helping customers buy car, home, and life insurance that spans more than 100 years. While State Farm already offers some of the most affordable auto insurance prices in Ohio, you can save even more by bundling auto insurance with homeowners insurance.
Pros
Rideshare coverage available
AM Best financial strength rating of A++ (Superior)
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
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.
7.5/10
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.
$54/mo
If you don’t drive a lot and want to reduce your car insurance costs, you might consider Mile Auto. The company calculates pay-per-mile insurance using a base rate and a per-mile rate. If you buy pay-per-mile insurance from Mile Auto, you only pay for what you use. This allows people who drive 10,000 miles or less per year to save.
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.
9.0/10
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.
$45/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.
$82/mo
Founded in 1925 in Erie, Pennsylvania, the company has become one of the largest auto insurance companies in the U.S. In addition to car insurance, Erie offers home, life, and business insurance. Furthermore, the company offers a roadside assistance and rental car insurance bundle, as well as coverage for personal items, auto glass repair, locksmith services, and pet injury.
Pros
AM Best financial strength rating of A+ (Superior)
Rate Lock feature can help you avoid car insurance increases
Cons
Online policy purchasing and claim filing not available
They completely ignore written instructions from higher-ups. Also, agents at the local establishment seem to be dishonest to cover their mistakes.
Eduard - July 24, 2024
Verified
Price, Service, Coverage - Everything is Very Good
Everything is as expected.
Teresa - July 23, 2024
Verified
Erie Insurance is a Great Insurance
I've been with Erie for about 20 years now. They are great when it comes to answering questions and handling anything that I need. I was only comparing different insurance quotes, but I will be staying with Erie.
…
How to get the cheapest car insurance in Ohio
The amount you pay for car insurance depends on a variety of factors, including your age, gender, ZIP code, driving record, the type and amount of insurance you want, and the car you drive.[3] Though you can’t control many of the factors that affect rates, you can take certain steps to earn cheaper coverage.
To keep your insurance as cheap as possible, consider the following tips:
Compare quotes. If you want to find the best price and auto coverage fit in Ohio, you should compare quotes from multiple insurance companies.
Bundle coverage. Most insurers offer opportunities to bundle different insurance products. For example, you can earn a discount for bundling your auto and home or renters insurance.
Maintain a clean driving record. The better your record, the less you’ll pay for car insurance. Avoid serious traffic violations by practicing safe driving habits and using caution on the road.
Find Cheap Car Insurance in Ohio
Liability coverage starts at $74 per month
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Cheapest liability-only car insurance in Ohio: Mile Auto
Liability insurance coverage includes bodily injury insurance and property damage insurance. Bodily injury covers injuries that you, or anyone on your policy, cause to someone else. Property damage insurance pays for damages you cause to another driver’s vehicle.[4] Most states, including Ohio, require you to have minimum coverage for liability insurance.
The cheapest insurer for liability-only car insurance in Ohio is Mile Auto, with a rate of $36 per month.
The following table provides the cheapest liability-only coverage quotes from Ohio car insurance companies.
10 cheapest insurers for liability-only
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Ohio: Mile Auto
While liability-only insurance covers injuries and damages to other drivers, a full-coverage auto policy covers damages to your vehicle. Full-coverage insurance includes collision and comprehensive coverage.
Collision coverage reimburses you for your vehicle damage following an accident with another car or object. Comprehensive insurance provides coverage against theft and damage caused by non-accident events, including fire, flood, and vandalism.
Mile Auto offers the cheapest full-coverage insurance in Ohio, with a monthly cost of $54.
Check out the table below for the average rates of full-coverage insurance in the state of Ohio.
10 cheapest insurers for full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Ohio
Ohio car insurance laws require drivers to have insurance or proof of financial responsibility (FR). You must either obtain the minimum insurance requirements or apply for a bond or post collateral. If you purchase insurance, you must have bodily injury and property damage liability coverage.
If you want to get a bond or post collateral instead of getting insurance, you need the following:
Certificate from the Ohio Bureau of Motor Vehicles (BMV) indicating you have government bonds for $30,000 on deposit with the Ohio Treasurer of the State
Certificate of bond issued by the BMV for $30,000 signed by two people who own real estate having equity of at least $60,000
Certificate of self-insurance from the BMV for people with more than 25 vehicles registered in their name or a company’s name
$30,000 bond issued by an authorized surety or insurance company[5]
Here are the state’s specific auto coverage requirements:
Cheapest car insurance for drivers with an incident
On average, Ohio drivers with a past incident pay $156 per month for car insurance.
A driving incident can include speeding tickets, driving under the influence (DUI) charges, at-fault accidents, and other moving violations. When determining the cost of car insurance, your insurer will consider your driving record as a major factor. The cleaner your record, the lower your premiums.
If you have several incidents, you can expect your premiums to increase. The amount your insurance will increase can vary between insurance companies and depend on the severity and frequency of your incidents.
Shop for Car Insurance in Ohio
Monthly rates start at $49 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Having speeding tickets on your driving record can also result in higher auto insurance rates. Ohio drivers have the option of enrolling in a remedial driving instruction course. Completion of the course can remove two demerit points from your record.[6]
Ohio drivers with a past speeding ticket pay an average of $170 per month for car insurance. The table below includes the cheapest car insurance for Ohio drivers with a past speeding ticket.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Hugo
If you cause a car accident and have to file a claim, you can expect your insurance rates to increase. How much they go up can vary between insurance companies. The increase will typically stay on your premium for three years after filing the claim.
On average, Ohio drivers with a past at-fault accident pay $174 per month for auto coverage. Use the table below to start your search for the cheapest car insurance rates for drivers with an at-fault accident in Ohio.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Mile Auto
If you have a record of operating a vehicle while impaired (OVI) — including driving under the influence (DUI) or driving while impaired (DWI) — insurers will view you as a high-risk driver. A drunk driving incident can seriously affect your insurance premiums.
In many cases, your insurance company may even decide not to renew your insurance policy after a DUI. You can also face harsh consequences, including license suspension, high fees, and imprisonment.
The overall average cost of insurance for a driver with a past DUI in Ohio is $197 per month. Find the cheapest auto insurance companies for drivers with a DUI in the table below.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Hugo
Your age is one of the most significant factors insurance companies use to determine premiums.
Drivers between 30 and 69 tend to earn rates that decrease with age and experience. Once drivers hit retirement age, they typically benefit from some of the lowest average rates by driver age. On average, senior drivers pay $77 per month for car insurance.
Around age 70, rates start to increase again for senior drivers due to aging-related risk factors. Older drivers are more susceptible to injury and medical complications if involved in a crash.
The table below lists the Ohio insurance companies offering the best coverage options for seniors.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers tend to pay some of the highest insurance rates. The risk of a crash is highest among teens between the ages of 16 and 19 compared to any other age group. Car crashes are the leading cause of death for teens in the U.S.
Young drivers can save on coverage by earning discounts for maintaining good grades or completing an approved driver training course, increasing their deductible, driving a safe car, and joining their parents’ existing auto policy.
Teenagers in Ohio pay $203 per month for car insurance, on average. Check out the table below to compare companies that offer the lowest rates for teens.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Ohio
Insurify partners with 100+ top insurers for accurate quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Ohio car insurance quotes by credit tier
The state of Ohio allows insurers to consider credit score information, though it has certain protections regarding how companies can use this information. For instance, Ohio insurance companies can’t use a credit-based insurance score as the only factor in determining premiums.
Insurers typically view drivers with excellent or good credit scores as lower-risk drivers than people with poor credit scores. Drivers with excellent credit typically earn lower car insurance rates.
The table below provides average monthly quotes for a full-coverage policy by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Ohio car insurance FAQs
Before you start shopping around for auto insurance, you should determine the right amount of coverage for your needs and budget. The following information should help you navigate the process of buying car insurance in Ohio.
How much is car insurance in Ohio?
The average overall cost of car insurance in Ohio is $114 per month. Ohio drivers pay $74 per month for liability coverage and $155 for full-coverage insurance. How much you pay for coverage will depend on your driving record, age, credit history, and more.
Which company has the cheapest car insurance in Ohio?
Mile Auto offers the cheapest car insurance in Ohio, with a monthly rate of $36 for liability coverage. Hugo has the second-cheapest liability coverage rate in the state, at $39 per month. State Farm is the third-cheapest Ohio insurer, with a rate of $39 per month for liability coverage. To find the cheapest coverage for your needs, you should compare quotes from multiple insurers.
What are the best car insurance companies in Ohio?
With an Insurify Quality (IQ) Score of 4.4 out of 5, an AM Best financial strength rating of A++ (Superior), and low average rates, State Farm is the best car insurance company in Ohio.
On average, Ohio drivers with coverage from State Farm pay $39 per month for liability and $70 for full coverage. Other top insurers include Mile Auto and Erie.
What is the cheapest full-coverage insurance in Ohio?
Mile Auto offers the cheapest full-coverage insurance in Ohio. On average, Mile Auto policyholders in Ohio pay $54 per month for full coverage.
Insurify Insights
How Ohio Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Ohio below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Ohio drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Civic
Most Popular Car in Ohio
#2
State with the Most Speeding Tickets Rank
#1
State with the Moving Violations Rank
#6
State with the Most DUIs Rank
#3
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Ohio is the #2 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #2
Percent of drivers in Ohio with an accident: 11.4%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Ohio is the #6 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #6
Percent of drivers in Ohio with a DUI: 2.5%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Ohio is the #4 state in the country for drivers with a reckless driving offense on record.
Rank among states: #4
Percent of drivers in Ohio with a reckless driving offense: 2.2%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Ohio is the #2 state in the country for drivers with a rude driving violation on record.
Rank among states: #2
Percent of drivers in Ohio with a rude driving violation: 2.6%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Ohio is the #2 state in the country for drivers with a speeding ticket on record.
Rank among states: #2
Percent of drivers in Ohio with a speeding ticket: 13.3%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Ohio is the #12 state in the country for drivers with a failure to yield violation on record.
Rank among states: #12
Percent of drivers in Ohio with a failure to yield violation: 0.2%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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.
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State Farm
Mile Auto
Erie Insurance
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