The team at ValuePenguin studied the auto insurance rates in cities across Ohio to determine which cities and companies were the most affordable (and most expensive). Car insurance premiums in Ohio can cost $685 or $57 per month for a driver across the state. The 5 cheapest cities in the state were 15% cheaper than the $685 state average. Conversely, the 5 most expensive towns were 31% more expensive on average.
We also found that the most expensive companies cost nearly 3.3x the cheapest auto insurance company in Ohio. This illustrates the importance of comparison shopping - in order to get the good rates for themselves, drivers should obtain quotes from at least three companies before deciding which to insure with. For more information on the results of our Ohio study, read below, or enter your zip code to see a list of companies to begin shopping from:
To check out the list of insurers with the best rates in the state, keep on reading.
As part of our analysis, we compared quotes at fourteen auto insurers across thirty four cities for a single 30 year old male in the state of Ohio to find the ones with the lowest costs. Based on our analysis, the best rates came from GEICO, USAA, and Farmers, which make up the three cheapest auto insurance companies in Ohio. GEICO had the lowest insurance prices coming in at $428 annually. USAA's rates were just $100 higher, but if you aren't a member of the military (or have family that is/was in the military) you won't be eligible. Rounding out our cheapest three was Farmers, with rates of $630 a year.
This list might be different depending on where you live in Ohio. If you're interested in car insurance quotes that are tailored to your town and specific situation we always suggest getting multiple quotes and comparing them. You can start that process by entering your zip code in the box below and seeing which insurance companies operate in your area:
As we mentioned before, costs are quite different when comparing one city to another. In this section, we'll review premiums and the cheapest companies at the city level, starting with the biggest cities in Ohio.
One of the trends we noticed was that the less populated, more rural-areas tended to have cheaper rates than their urban counterparts. When we ranked the cities in order of population we found that the five most expensive cities, as a group, had an average rank of 9th most populous out of 34 cities. Doing the same calculation on the group of 5 cheapest cities we determined that they had an average population rank of 30th out of the 34 cities sampled.
The largest city in Ohio, Columbus is home to 787,000 residents and a number of other institutions. The Ohio State University, the nation's largest university, is located here, as well as Nationwide Mutual Insurance Company's headquarters.
In terms of auto insurance, the average cost here runs $742 a year, which is 8% higher than the state average. If you're looking for cheap auto insurance in Columbus, you might want to start with USAA, GEICO, and Grange Mutual, which had the lowest rates in our study. USAA only underwrites military members and their immediate family, so if you don't fall into those categories, then go with Erie Insurance, which was the fourth cheapest in Columbus. Among these four, premium quotes averaged $504 a year - that's a savings of 32% off of the citywide average.
Home to the Rock & Roll Hall of Fame, and the Cleveland Caveliers basketball team, Cleveland comes in as the 4th priciest city on our list. Citizens of Cleveland can expect to pay an annual auto insurance premium that's roughly $916, or 34% higher than the average Ohioan.
Even if it is the fourth most expensive for car insurance in the state, there is still room to save with some comparison shopping. We found that GEICO, USAA, Grange Mutual, and State Farm were the four cheapest car insurance companies in Cleveland with an average annual cost of $531. Compared to the Cleveland average cost, these insurers are 42% cheaper.
With nearly 300,000 residents, Cincinnati is the third largest city in Ohio. It is the hometown of the Cincinnati Reds, and the headquarters for a wide array of corporations, from Procter & Gamble and Macy's to insurance groups such as American Financial Group and Great American Insurance Company.
The cost of insuring a vehicle in Cincinnati can average $722 annually, which is about 5% higher than the state average. USAA, GEICO, and Grange were three of the cheaper auto insurance companies in Cincinnati. They were 35% lower than the rest of the city with an annual average of $472.
Rounding out the 5 most expensive cities in Ohio is "The Glass City" - Toledo, OH. Toledo is the 4th largest city in Ohio and is bordered to the east by Lake Erie and to the north by the state of Michigan. Auto insurance rates in Toledo we found to be 17% higher than the state average although they were significantly cheaper than the 4th place finisher, Cleveland. The lowest costs were found at USAA, GEICO, and Grange Mutual of $484 on average, which was 40% lower than the mean city cost.
Located in the Great Lakes region near the Cuyahoga National Park, Akron is the fifth largest city in Ohio with 199,000 residents. Every summer, it hosts the World Golf Championship Bridgestone Invitational and the All-American Soap Box Derby. The annual cost of auto insurance here is $802, but at the United Services Automobile Association, GEICO, and Grange, we found cheap car insurance rates in Akron for as low as $456 a year.
Located in Medina County towards the south side of the Cleveland metro area, Brunswick is the 34th largest town in the state. In our study, Brunswick ranked as the cheapest city in Ohio. Brunswick's average auto insurance prices were 20% cheaper than the state average at $557 annually.
The 'Flag City' comes in as the 2nd cheapest on our list at only $12 more expensive than Brunswick. From a population standpoint, Findlay ranked as the 32nd largest city in Ohio with a population around 40,000. Beyond having cheap auto insurance, Findlay is also home to one of the top 100 hospitals in the US and lays claim to being one of the 100 Best Communites for Young People.
Bowling Green, OH
Home to Bowling Green State University, the 7th largest University in Ohio, this town of 30,028 sits 25 miles south of Toledo, OH and has the third cheapest auto insurance in the Buckeye State. At $48 per month on average, or $581 annually, Bowling Green's insurance rates only missed out on the top spot by $24.
Fourth cheapest in the state was the city of Mentor. Located 25 miles northeast of Cleveland in Lake County, OH, Mentor is home to 47,000 residents. Amongst other awards the city has won is a 'Best Places to Live in America' ranking of 37 back in 2010. Mentor residents average paying $595 per year on their auto insurance.
Cuyahoga Falls, OH
A northern suburb of Akron, OH, Cuyahoga Falls rounds out our Top 5 and solidifies itself as having one of the cheapest car insurance rates in OH. At 12% cheaper than the average Ohio town, Cuyahoga Falls residents pay around $50 a month for their car insurance coverage.
Even having lost a large percentage of their population of the last 50 years, Youngstown is still the 9th largest city in Ohio. Unfortunately, they also have the most expensive auto insurance premiums according to our most recent car insurance study in the state. At $936 per year on average, Youngstown is almost 34% more expensive than the mean annual insurance rate in OH. If you're looking for affordable car insurance in Youngstown, include USAA, Grange Mutual, and GEICO Insurance in your comparison shopping. Based on our results, we found that these three insurers averaged $492, which was almost half the cost of the citywide average.
The first of four Cleveland-metro area towns in our bottom 5, Euclid sits 12 miles northeast of downtown Cleveland on the banks of Lake Erie. The average annual auto insurance rate in Euclid was $919 - second costliest in the state - which works out to just under $77 per month.
Only a few miles west of the downtown area, Lakewood is our third most expensive city in Ohio for auto insurace coming in at $1 less than it's 2nd place predecessor, Euclid. Mean premiums in Lakewood can go for $918 a year.
Just looking at companies with the cheapest rates doesn't always answer the question as to which insurance provider to pick. For example, if a company has cheap rates but horrible customer service, it may not be worth the headache for certain drivers. Below you'll find fourteen of the larger auto insurers in Ohio (measured by market cap) and the complaint ratio for each. The complaint ratio represents the number of complaints a company gets in comparison to their premiums written. The lower the complaint ratio, the better the company.
Based on this metric, Cincinnati Insurance, State Farm, and Progressive are the three best-rated car insurance companies in Ohio. GEICO, USAA, and Farmers, our three cheap auto insurance companies, ranked a bit higher than average for the complaint ratio, but were not as bad as Safe Auto.
|Company||Complaints||Market Share||Complaint Ratio|
|American Family Insurance||39||2.02%||0.38|
Here's a look at the some of the other largest cities in the state and where they stack up against other towns. The cities are listed from cheapest to most expensive and the number in the chart represents the average annual auto insurance premium.
Here's a table of the 47 cities we looked at in Ohio, with cities listed in alphabetical order. You'll also see how much cheaper or more expensive rates are than the state average (negative numbers indidcate cheaper than average places).
|City||Average Annual Premium||% Higher/Lower Than Avg|
Ohio's minimum requirements are 25/50/25, as detailed in the coverage table below.
|Ohio Requirements||Analysis Limits|
|Bodily Injury (BI)||$25,000 per person / $50,000 per accident||$50,000 per person / $100,000 per accident|
|Property Damage (PD)||$25,000||$25,000|
|Uninsured Motorist BI||Optional||$50,000 per person / $100,000 per accident|
|Uninsured Motorist PD||Optional||$25,000|
|Collision / Comprehensive||Optional||$500|
The sample quotes we obtained were for a 30 year old single male driving a Toyota Camry that he owns. His credit is excellent and he has opted for basic coverage. In a typical year, our hypothetical driver logs 12,000 miles in his vehicle which he primarily uses to commute to and from work. Our driver has no accidents or traffic incidents of record in the past 5 years. Finally, we looked at quotes from fourteen auto insurance companies and averaged the sample rates to come up with a city average. The companies we looked at were: GEICO, State Farm, Nationwide, Cincinnati Insurance, Allstate, Progressive, USAA, Grange Mutual, Encompass, Farmers Insurance, Liberty Mutual, American Family Insurance, Auto Owners, AIG, and Erie Insurance.
Surveyed auto insurance costs in Ohio are for illustrative purposes only and actual quotes will vary based on your physical residence, driving history, and other factors.