Cheapest Auto Insurance Quotes in Ohio (2026)

Geico has the cheapest full coverage car insurance in Ohio, at $104 per month. Erie is the cheapest company for liability-only insurance, at $33 per month.

Find Cheap Auto Insurance Quotes in Ohio

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ValuePenguin reviewed 1.7 million quotes from 7+ top Ohio car insurance companies to help you find the right coverage at the best price.
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ValuePenguin reviewed 1.7 million quotes from 8+ top Ohio car insurance companies to help you find the right coverage at the best price.
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Ohio car insurance quotes and key takeaways

How much is car insurance in OH?
Full coverage car insurance costs an average of $148/mo in Ohio. The average cost of minimum liability insurance is $55/mo.
What is the best car insurance in Ohio?
Erie, Cincinnati and USAA are the best-rated car insurance companies in Ohio.
What's the cheapest full coverage car insurance in OH?
Geico ($104/mo), Erie ($112/mo), Progressive ($131/mo)
What's the cheapest minimum coverage car insurance in OH?
Erie ($33/mo), Auto-Owners ($40/mo), Westfield ($44/mo)

About ValuePenguin's recommendations
ValuePenguin’s insurance analysis is based on independently collected rate data, state filings and insurer information. Our goal is simple: help Ohio drivers find the best coverage at the lowest price based on real data. We may earn a commission when you shop through our partners, but that doesn't affect our coverage of individual insurance companies, editor's ratings or writer opinions.

Car insurance quotes in Ohio

The average cost of full coverage car insurance in Ohio is $148 per month, or $1,776 per year. That's 29% less than the national average.

Drivers looking to save money can typically find the cheapest rates in Ohio at Geico, but USAA has even cheaper rates for If you're willing to pay a bit more for excellent customer service, Erie is usually the best choice.

Geico logo
Cheapest full coverage in OH
Geico has the cheapest full coverage car insurance in OH, at $104/mo.

See the other cheapest full coverage quotes in Ohio.

Erie logo
Cheapest minimum coverage in OH
Erie has the cheapest minimum liability insurance in Ohio, at $30/mo.

See the other cheapest minimum coverage rates in Ohio.

USAA logo
Cheapest for drivers with military ties
USAA has the cheapest rates in OH for military members, at $84 per month for full coverage and $28 per month for liability-only coverage.
Erie logo
Best car insurance in OH overall
ValuePenguin chose Erie as the best car insurance company in Ohio based on its cheap rates, excellent scores from J.D. Power and low number of complaints with the

Read more about why Erie is the best choice for most Ohio drivers.

Find Cheap Auto Insurance Quotes in Ohio

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Cheapest full coverage car insurance in Ohio

In 2026, the average cost of full coverage car insurance in Ohio is $148 per month. That's $888 for a six-month policy that covers your car and damage you cause.

The most expensive company in Ohio costs twice as much as the cheapest company, making it important to shop around for cheap rates.

Based on our analysis of 1.7 million quotes, there are a handful of companies where you can find cheap full coverage rates in Ohio, including Geico, Erie, Progressive, Auto-Owners and USAA.

Best cheap full coverage car insurance in OH

Company
Monthly rate
Annual rate
Geico$104$1,248
Erie$113$1,356
Progressive$131$1,572
Auto-Owners$136$1,632
Nationwide$174$2,088

*USAA is only available to military members, veterans and some of their family members.

If you haven’t checked your car insurance rate in a while, you’re not alone. But comparing car insurance takes minutes and can save you $1,100 per year in OH.

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Cheapest liability insurance in OH

The average cost of minimum liability car insurance is $55 per month in Ohio, which is $93 per month less than a full coverage policy. But a minimum liability policy won't pay to fix your car, which is why it's so much cheaper.

If you're shopping for the absolute cheapest car insurance in Ohio, you should compare quotes from Erie, Auto-Owners, Westfield and Geico. These companies cost much less than the Ohio average, based on our analysis of millions of quotes across the state.

Affordable state minimum car insurance in Ohio

Company
Monthly rate
Annual rate
Erie$33$396
Auto-Owners$40$480
Westfield$44$528
Geico$45$540
Progressive$59$708

*USAA is only available to military members, veterans and some of their family members.

Image
Cate Deventer

Senior Writer, Licensed Property and Casualty Insurance Agent

Ohio has more uninsured drivers than many other states, according to the Insurance Research Council. That means it's more likely that you'll get hit by someone who doesn't have the proper insurance coverage to pay for your damage and injuries.

That's where uninsured and underinsured motorist coverage comes in. Ohio doesn't require these coverages by law, but you can get them from most insurance companies.

Uninsured and underinsured motorist coverage protects you from having to pay for your own injuries or car damage when someone hits you who doesn't have insurance or doesn't have enough coverage. If one of those drivers hits you, your own policy will kick in to pay for the damage and injuries you have.

Learn more about Ohio car insurance requirements.

Who has the best car insurance in Ohio?

ValuePenguin chose Erie as the best car insurance company in Ohio because of its customer service reviews, useful coverage add-ons, helpful discounts, proprietary pricing data and respected third-party ratings, such as J.D. Power and AM Best.

Editor's rating
Editor's rating
  • Full coverage rate
    This analysis used auto insurance quotes for a policy with collision and comprehensive coverage. Read our methodology.
    $113/mo
  • Claims process
    Claims rating is based on J.D. Power's claims satisfaction survey and the National Association of Insurance Commissioners complaint index. Read our methodology.
    9.5/10
From the Experts
Erie offers the best mix of excellent customer service and affordable rates in Ohio.

Car insurance rates in Ohio by city

Ballville, a township in Sandusky County, is the cheapest city in Ohio for full coverage car insurance.

Drivers in Fremont pay around $122 per month for full coverage, which is $26 per month less than the state average.

Bratenahl, a suburb of Cleveland, has the most expensive rates in the state, at $173 per month. Its location on Lake Erie means cars in Bratenahl could face damage from severe weather, like flooding due to storm surge.

Car insurance prices for the largest OH cities

Find Cheap Auto Insurance Quotes in Ohio

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Average cost of car insurance in OH by city

City
Monthly rate
% from average
Columbus$16612%
Cleveland$17316%
Cincinnati$17115%
Toledo$16712%
Akron$1576%
Dayton$1555%
Parma$141-5%
Canton$146-2%
Lorain$137-8%
Hamilton$1523%
Youngstown$1608%
Springfield$141-5%
Kettering$141-5%
Elyria$133-11%
Middletown$144-3%
Newark$1480%
Cuyahoga Falls$141-5%
Lakewood$1491%
Dublin$144-3%
Euclid$1608%
Mansfield$139-7%
Beavercreek$139-7%
Mentor$134-10%
Strongsville$135-9%
Delaware$141-5%
Fairfield$1523%
Cleveland Heights$16612%
Huber Heights$142-5%
Lancaster$142-4%
Reynoldsburg$1576%
Findlay$123-17%
Warren$145-2%
Westerville$1490%
Hilliard$148-1%
North Ridgeville$132-11%
Upper Arlington$1533%
Mason$143-4%
Marion$136-8%
Gahanna$1586%
Brunswick$126-15%
Lima$135-9%
Fairborn$135-9%
Westlake$139-6%
Stow$138-7%
Massillon$139-7%
North Olmsted$137-7%
North Royalton$135-9%
Bowling Green$127-15%
Garfield Heights$1597%
Shaker Heights$16713%
Marysville$133-11%
Kent$139-7%
Green$142-4%
Wooster$133-11%
Troy$128-14%
Avon Lake$135-9%
Medina$127-14%
Centerville$140-6%
Xenia$140-6%
Avon$132-11%
Pickerington$1512%
Perrysburg$132-11%
Wadsworth$128-13%
Athens$145-2%
Zanesville$144-3%
Barberton$140-6%
Riverside$143-3%
Sandusky$129-13%
Willoughby$134-10%
Solon$147-1%
Maple Heights$1639%
Hudson$138-7%
Trotwood$1522%
Oxford$146-1%
Chillicothe$143-4%
Lebanon$140-5%
Alliance$134-10%
South Euclid$1629%
Rocky River$141-5%
Piqua$128-14%
Painesville$134-10%
Parma Heights$139-6%
Sidney$132-11%
Forest Park$1565%
Mayfield Heights$1533%
Whitehall$17014%
Aberdeen$1480%
Ada$132-11%
Adamsville$146-2%
Addyston$1565%
Adelphi$143-3%
Adena$148-1%
Albany$1490%
Alexandria$1480%
Alger$134-10%
Alledonia$1491%
Alpha$140-6%
Alvada$123-17%
Alvordton$134-10%
Amanda$146-2%
Amberley$1597%
Amelia$145-2%
Amesville$1533%
Amherst$132-11%
Amlin$1512%
Amsterdam$1490%
Andersonville$143-3%
Andover$1490%
Anna$129-13%
Ansonia$127-14%
Antwerp$129-13%
Apple Creek$136-8%
Apple Valley$1490%
Aquilla$140-5%
Arcadia$125-16%
Arcanum$133-11%
Archbold$133-11%
Arlington$126-15%
Arlington Heights$1608%
Ashland$135-9%
Ashley$140-5%
Ashtabula$138-7%
Ashville$1480%
Attica$128-14%
Atwater$139-6%
Aurora$138-7%
Austinburg$141-5%
Austintown$144-3%
Ava$1490%
Bainbridge$146-2%
Bakersville$145-2%
Ballville$122-18%
Baltic$143-4%
Baltimore$147-1%
Bannock$147-1%
Barnesville$148-1%
Bartlett$1554%
Barton$145-2%
Bascom$125-16%
Batavia$143-4%
Bay View$129-13%
Bay Village$140-6%
Beach City$138-7%
Beachwood$1608%
Beallsville$1501%
Beaver$1501%
Beaverdam$128-14%
Beckett Ridge$147-1%
Bedford$1511%
Bedford Heights$1501%
Beechwood Trails$1522%
Bellaire$146-1%
Bellbrook$138-7%
Belle Center$136-8%
Belle Valley$1501%
Bellefontaine$134-10%
Bellevue$128-14%
Bellville$140-6%
Belmont$146-2%
Belmore$128-14%
Beloit$133-10%
Belpre$1533%
Bentleyville$147-1%
Benton Ridge$126-15%
Bentonville$1544%
Berea$135-9%
Bergholz$1501%
Berkey$137-8%
Berlin Center$137-8%
Berlin Heights$130-12%
Bethel$146-2%
Bethesda$147-1%
Bettsville$124-17%
Beverly$1490%
Bexley$16914%
Bidwell$1544%
Big Prairie$145-3%
Birmingham$133-10%
Blacklick$1607%
Blacklick Estates$16914%
Bladensburg$148-1%
Blaine$146-2%
Blakeslee$134-10%
Blanchester$141-5%
Blissfield$1544%
Bloomdale$126-15%
Bloomingburg$140-5%
Bloomingdale$1490%
Bloomville$128-14%
Blue Ash$1512%
Blue Creek$1533%
Blue Rock$1480%
Bluffton$125-16%
Boardman$145-3%
Bolindale$144-3%
Bolivar$138-7%
Boston Heights$137-8%
Botkins$129-13%
Bourneville$145-3%
Bowerston$146-2%
Bowersville$139-6%
Bradford$131-11%
Bradner$126-15%
Brady Lake$138-7%
Bratenahl$17316%
Brecksville$139-6%
Bremen$147-1%
Brewster$135-9%
Brice$1608%
Bridgeport$145-3%
Bridgetown$16411%
Brilliant$145-2%
Brimfield$138-7%
Brinkhaven$1511%
Bristolville$143-4%
Broadview Heights$139-6%
Broadway$136-8%
Brook Park$140-6%
Brookfield$142-5%
Brookfield Center$141-5%
Brooklyn$1480%
Brooklyn Heights$142-5%
Brookpark$139-6%
Brookside$145-3%
Brookville$140-6%
Brownsville$147-1%
Bryan$130-12%
Buchtel$147-1%
Buckeye Lake$1480%
Buckland$126-15%
Bucyrus$128-14%
Burbank$134-10%
Burghill$142-4%
Burgoon$124-17%
Burkettsville$126-15%
Burlington$1522%
Burton$147-1%
Butler$143-4%
Byesville$144-3%
Cable$142-5%
Cadiz$1491%
Cairo$130-13%
Calcutta$142-4%
Caldwell$1490%
Caledonia$136-8%
Cambridge$144-3%
Camden$141-5%
Cameron$1522%
Camp Dennison$147-1%
Campbell$1544%
Canal Fulton$136-9%
Canal Winchester$1565%
Candlewood Lake$139-7%
Canfield$140-5%
Carbon Hill$1491%
Carbondale$1480%
Cardington$140-6%
Carey$125-16%
Carlisle$139-6%
Carroll$1490%
Carrollton$144-3%
Casstown$132-11%
Castalia$129-13%
Catawba$140-6%
Cecil$131-12%
Cedarville$139-6%
Celina$125-16%
Centerburg$145-2%
Chagrin Falls$147-1%
Champion Heights$142-5%
Chandlersville$146-2%
Chardon$140-6%
Charm$144-3%
Chauncey$145-2%
Cherry Fork$1512%
Cherry Grove$146-2%
Chesapeake$1543%
Cheshire$1544%
Chesterhill$1565%
Chesterland$141-5%
Chesterville$143-3%
Cheviot$16914%
Chickasaw$126-15%
Chilo$1491%
Chippewa Lake$129-13%
Chippewa Park$132-11%
Choctaw Lake$140-6%
Christiansburg$137-8%
Churchill$1491%
Cinnamon Lake$135-9%
Circleville$142-4%
Clarington$1501%
Clarksburg$140-5%
Clarksville$140-5%
Clay Center$134-10%
Clayton$142-4%
Cleves$1544%
Clifton$137-8%
Clinton$140-6%
Cloverdale$128-14%
Clyde$123-17%
Coal Grove$147-1%
Coal Run$1511%
Coalton$1533%
Coldstream$1480%
Coldwater$124-17%
College Corner$142-4%
Collins$131-12%
Collinsville$1490%
Colton$135-9%
Columbia Station$130-12%
Columbiana$134-10%
Columbus Grove$126-15%
Commercial Point$145-2%
Conesville$1491%
Conneaut$138-7%
Conover$132-11%
Continental$131-12%
Convoy$125-16%
Coolville$1544%
Corning$1533%
Cortland$141-5%
Coshocton$1491%
Covedale$16612%
Covington$131-12%
Craig Beach$139-7%
Creola$1480%
Crestline$130-13%
Creston$133-10%
Cridersville$128-14%
Crooksville$1501%
Croton$1533%
Crown City$1544%
Crystal Lakes$135-9%
Cuba$141-5%
Cumberland$148-1%
Curtice$135-9%
Custar$129-13%
Cutler$1554%
Cuyahoga Heights$1555%
Cygnet$125-16%
Cynthiana$1490%
Dalton$135-9%
Danville$1480%
Darbydale$1480%
Day Heights$142-4%
De Graff$138-7%
Deer Park$1565%
Deerfield$139-7%
Deersville$1480%
Defiance$132-11%
Delhi Hills$16914%
Dellroy$146-1%
Delphos$125-16%
Delshire$17015%
Delta$138-7%
Dennison$138-7%
Dent$1576%
Derby$143-4%
Derwent$147-1%
Deshler$129-13%
Devola$147-1%
Dexter City$148-1%
Diamond$141-5%
Dillonvale$1522%
Dola$131-11%
Donnelsville$138-7%
Dorset$146-2%
Dover$135-9%
Doylestown$136-8%
Dresden$147-1%
Drexel$1533%
Dry Ridge$1544%
Dry Run$1490%
Dunbridge$127-14%
Duncan Falls$143-4%
Dundee$140-6%
Dunkirk$131-12%
Dunlap$1544%
Dupont$130-12%
East Canton$141-5%
East Claridon$141-5%
East Cleveland$17115%
East Fultonham$147-1%
East Liberty$136-8%
East Liverpool$142-4%
East Palestine$136-8%
East Rochester$137-8%
East Sparta$139-6%
East Springfield$146-2%
Eastlake$136-8%
Eaton$137-8%
Eaton Estates$132-11%
Edgerton$133-10%
Edgewood$138-7%
Edison$139-7%
Edon$137-8%
Eldorado$136-8%
Elgin$128-14%
Elida$131-12%
Elkton$138-7%
Elmore$125-16%
Elmwood Place$16813%
Empire$144-3%
Englewood$139-6%
Enon$136-9%
Evansport$133-10%
Evendale$1491%
Fairfax$1587%
Fairfield Beach$147-1%
Fairlawn$140-5%
Fairpoint$146-2%
Fairport Harbor$134-10%
Fairview$1501%
Fairview Park$141-5%
Farmdale$145-3%
Farmersville$141-5%
Fayette$137-8%
Fayetteville$146-2%
Feesburg$1522%
Felicity$1501%
Finneytown$16411%
Five Points$137-8%
Flat Rock$126-15%
Fleming$1501%
Fletcher$132-11%
Flushing$147-1%
Forest$131-12%
Forestville$1480%
Fort Jennings$125-16%
Fort Loramie$129-13%
Fort Recovery$126-15%
Fort Shawnee$132-11%
Fostoria$125-16%
Four Bridges$145-2%
Fowler$143-4%
Frankfort$142-5%
Franklin$139-6%
Franklin Furnace$1491%
Frazeysburg$147-1%
Fredericksburg$138-7%
Fredericktown$144-3%
Freeport$1501%
Fremont$122-18%
Fresno$147-1%
Friendship$1512%
Fruit Hill$1533%
Fulton$141-5%
Fultonham$146-2%
Galena$1480%
Galion$133-11%
Gallipolis$1533%
Galloway$1491%
Gambier$1491%
Garrettsville$139-6%
Gates Mills$1490%
Geneva$137-8%
Geneva-on-the-Lake$137-8%
Genoa$129-13%
Georgetown$1501%
Germantown$140-6%
Gettysburg$131-12%
Gibsonburg$126-15%
Girard$148-1%
Glandorf$125-16%
Glencoe$145-3%
Glendale$1544%
Glenford$1490%
Glenmont$147-1%
Glenmoor$142-4%
Glenwillow$146-2%
Gloria Glens Park$129-13%
Glouster$1490%
Gnadenhutten$139-7%
Golf Manor$16713%
Gomer$129-13%
Goshen$142-4%
Grafton$132-11%
Grand Rapids$132-11%
Grand River$134-10%
Grandview$1544%
Grandview Heights$1597%
Granville$147-1%
Granville South$147-1%
Gratiot$147-1%
Graysville$1522%
Graytown$127-14%
Green Meadows$135-9%
Green Springs$124-17%
Greenfield$142-5%
Greenford$142-4%
Greenhills$1565%
Greentown$138-7%
Greenville$130-12%
Greenwich$134-10%
Grelton$133-10%
Groesbeck$1608%
Grove City$1490%
Groveport$1576%
Grover Hill$127-15%
Guysville$1501%
Gypsum$127-14%
Hallsville$143-4%
Hamden$1512%
Hamersville$1501%
Hamler$132-11%
Hammondsville$146-2%
Hannibal$1512%
Hanover$147-1%
Hanoverton$140-6%
Harbor Hills$147-1%
Harbor View$141-5%
Harpster$130-12%
Harrisburg$1501%
Harrison$1480%
Harrod$132-11%
Hartville$138-7%
Harveysburg$141-5%
Haskins$128-14%
Haverhill$1501%
Haviland$127-14%
Haydenville$1490%
Hayesville$137-8%
Heath$146-2%
Hebron$146-1%
Helena$123-17%
Hicksville$131-12%
Higginsport$1512%
Highland Heights$1523%
Highland Hills$16411%
Highpoint$1480%
Hillsboro$145-2%
Hinckley$128-14%
Hiram$140-6%
Hockingport$1544%
Holgate$133-10%
Holiday Valley$136-9%
Holland$146-1%
Hollansburg$129-13%
Holloway$1480%
Holmesville$142-4%
Homerville$131-12%
Homeworth$136-8%
Hooven$1544%
Hopedale$147-1%
Hopewell$146-1%
Houston$133-11%
Howard$1490%
Howland Center$142-4%
Hoytville$130-13%
Hubbard$144-3%
Huber Ridge$1554%
Hunter$140-6%
Hunting Valley$1480%
Huntsburg$142-4%
Huntsville$135-9%
Huron$128-14%
Iberia$140-6%
Independence$140-6%
Irondale$1480%
Ironton$147-1%
Irwin$135-9%
Isle St. George$129-13%
Jackson$1480%
Jackson Center$131-12%
Jacksontown$1490%
Jacksonville$1501%
Jacobsburg$146-2%
Jamestown$137-8%
Jefferson$143-3%
Jeffersonville$138-7%
Jenera$126-15%
Jeromesville$139-6%
Jerry City$128-14%
Jerusalem$1491%
Jewell$133-10%
Jewett$1491%
Johnstown$1523%
Junction City$1490%
Kalida$126-15%
Kansas$124-16%
Keene$1511%
Kelleys Island$129-13%
Kensington$140-6%
Kenton$133-11%
Kenwood$1522%
Kerr$1565%
Kettlersville$130-13%
Kidron$136-8%
Kilbourne$143-4%
Killbuck$1501%
Kimbolton$148-1%
Kings Mills$143-4%
Kingston$142-4%
Kingsville$141-5%
Kinsman$147-1%
Kinsman Center$147-1%
Kipling$146-2%
Kipton$136-9%
Kirby$129-13%
Kirkersville$1501%
Kirtland$135-9%
Kirtland Hills$134-10%
Kitts Hill$1522%
Kunkle$134-9%
La Croft$142-4%
La Rue$136-9%
LaGrange$133-10%
Lacarne$127-15%
Lafferty$147-1%
Laings$1512%
Lake Darby$1522%
Lake Lakengren$137-8%
Lake Lorelei$146-2%
Lake Milton$139-7%
Lake Mohawk$143-4%
Lake Waynoka$147-1%
Lakemore$144-3%
Lakeside$127-15%
Lakeside Marblehead$127-15%
Lakeview$132-11%
Lakeville$145-3%
Landen$144-3%
Langsville$1522%
Lansing$144-3%
Latham$1480%
Laura$132-11%
Laurelville$146-2%
Leavittsburg$143-4%
Leesburg$140-6%
Leesville$147-1%
Leetonia$134-10%
Leipsic$127-15%
Lemoyne$130-13%
Lewis Center$147-1%
Lewisburg$140-6%
Lewistown$134-10%
Lewisville$1544%
Lexington$138-7%
Liberty Center$134-10%
Limaville$137-8%
Lincoln Heights$1597%
Lincoln Village$1576%
Lindsey$124-17%
Lisbon$137-8%
Litchfield$128-14%
Lithopolis$1511%
Little Hocking$1512%
Lockbourne$1533%
Lockland$1597%
Lodi$130-13%
Logan$147-1%
London$140-6%
Londonderry$147-1%
Long Bottom$1544%
Lordstown$141-5%
Lore City$146-2%
Loudonville$143-3%
Louisville$137-8%
Loveland$143-4%
Loveland Park$143-4%
Lowell$1480%
Lowellville$143-4%
Lower Salem$1501%
Lucas$141-5%
Lucasville$1501%
Luckey$128-13%
Ludlow Falls$133-11%
Lynchburg$141-5%
Lyndhurst$1544%
Lynx$1512%
Lyons$139-7%
Macedonia$137-8%
Mack$1587%
Macksburg$1501%
Madeira$1512%
Madison$136-8%
Magnetic Springs$136-8%
Magnolia$143-4%
Maineville$143-4%
Malinta$131-12%
Malta$1523%
Malvern$143-4%
Manchester$1523%
Mantua$138-7%
Maple Ridge$134-10%
Maplewood$132-11%
Marble Cliff$1565%
Marblehead$127-15%
Marengo$145-3%
Maria Stein$125-16%
Mariemont$1586%
Marietta$147-1%
Mark Center$132-11%
Marne$147-1%
Marshallville$135-9%
Martel$137-8%
Martin$131-12%
Martins Ferry$146-2%
Martinsburg$147-1%
Martinsville$140-6%
Masury$142-4%
Maumee$139-6%
Maximo$138-7%
Mayfield$1511%
Maynard$147-1%
McArthur$1512%
McClure$131-12%
McComb$125-16%
McConnelsville$1522%
McCutchenville$128-14%
McDermott$1511%

McDonald

$144-3%
McGuffey$134-10%
Mechanicsburg$140-6%
Mechanicstown$145-3%
Medway$135-9%
Melmore$126-15%
Melrose$131-12%
Mendon$126-15%
Mentor-on-the-Lake$134-9%
Metamora$138-7%
Meyers Lake$143-3%
Miami Heights$1544%
Miamisburg$139-7%
Miamitown$1501%
Miamiville$144-3%
Middle Bass$130-12%
Middle Point$124-16%
Middlebranch$139-6%
Middleburg$136-8%
Middleburg Heights$137-8%
Middlefield$145-3%
Middleport$1523%
Midland$140-6%
Midvale$139-6%
Milan$127-14%
Milford$143-4%
Milford Center$134-10%
Millbury$135-9%
Milledgeville$139-7%
Miller City$129-13%
Millersburg$147-1%
Millersport$1480%
Millfield$146-2%
Milton Center$129-13%
Mineral City$141-5%
Mineral Ridge$144-3%
Minerva$139-7%
Minerva Park$16813%
Minford$1522%
Mingo$143-4%
Mingo Junction$146-2%
Minster$127-14%
Mogadore$140-6%
Monclova$136-8%
Monfort Heights$16410%
Monroe$144-3%
Monroeville$128-14%
Montezuma$126-15%
Montgomery$1501%
Montpelier$133-11%
Montrose-Ghent$140-5%
Montville$144-3%
Moraine$144-3%
Moreland Hills$1480%
Morgandale$143-4%
Morral$135-9%
Morristown$145-2%
Morrow$142-4%
Moscow$1490%
Mount Blanchard$127-15%
Mount Carmel$146-2%
Mount Cory$125-16%
Mount Eaton$139-6%
Mount Gilead$139-6%
Mount Healthy$1608%
Mount Healthy Heights$1597%
Mount Hope$144-3%
Mount Liberty$145-2%
Mount Orab$146-2%
Mount Perry$1480%
Mount Repose$142-4%
Mount St. Joseph$1629%
Mount Sterling$142-4%
Mount Vernon$145-2%
Mount Victory$135-9%
Mowrystown$147-1%
Moxahala$1512%
Mulberry$143-4%
Munroe Falls$139-7%
Murray City$1490%
Nankin$139-7%
Napoleon$131-12%
Nashport$147-1%
Nashville$144-3%
Navarre$136-8%
Neapolis$135-9%
Neffs$144-3%
Negley$140-6%
Nelsonville$146-2%
Nevada$130-12%
Neville$147-1%
New Albany$1501%
New Athens$1491%
New Baltimore$1490%
New Bavaria$131-12%
New Bloomington$136-9%
New Boston$1480%
New Bremen$124-16%
New Burlington$1586%
New Carlisle$134-10%
New Concord$147-1%
New Franklin$140-6%
New Hampshire$127-14%
New Haven$1490%
New Holland$140-5%
New Knoxville$125-16%
New Lebanon$142-4%
New Lexington$1501%
New London$132-11%
New Madison$130-12%
New Marshfield$1480%
New Matamoras$1501%
New Miami$1501%
New Middletown$138-7%
New Paris$134-10%
New Philadelphia$137-8%
New Plymouth$1480%
New Richmond$146-2%
New Riegel$124-16%
New Rumley$1490%
New Springfield$137-7%
New Straitsville$1480%
New Vienna$138-7%
New Washington$130-13%
New Waterford$137-8%
New Weston$128-14%
Newburgh Heights$16713%
Newbury$146-1%
Newcomerstown$143-3%
Newport$1490%
Newton Falls$140-6%
Newtonsville$143-4%
Newtown$1491%
Ney$133-11%
Niles$144-3%
North Baltimore$126-15%
North Bend$1544%
North Benton$136-8%
North Bloomfield$144-3%
North Canton$139-7%
North College Hill$16612%
North Fairfield$133-11%
North Georgetown$138-7%
North Hampton$136-8%
North Jackson$141-5%
North Kingsville$137-7%
North Lawrence$136-8%
North Lewisburg$140-6%
North Lima$139-6%
North Madison$136-8%
North Perry$135-9%
North Randall$16612%
North Robinson$130-12%
North Star$128-14%
North Zanesville$144-3%
Northbrook$1597%
Northfield$135-9%
Northgate$1565%
Northridge$141-5%
Northwood$138-7%
Norton$140-6%
Norwalk$129-13%
Norwich$144-3%
Norwood$16612%
Nova$136-9%
Novelty$147-1%
Oak Harbor$125-16%
Oak Hill$1512%
Oakwood$139-6%
Oberlin$134-10%
Obetz$16411%
Oceola$131-12%
Ohio City$126-15%
Okeana$1480%
Okolona$133-11%
Old Fort$125-16%
Old Washington$147-1%
Olde West Chester$147-1%
Olmsted Falls$134-10%
Ontario$136-9%
Orange$1533%
Orangeville$144-3%
Oregon$141-5%
Oregonia$140-5%
Orient$148-1%
Orrville$132-11%
Orwell$1490%
Osgood$128-14%
Ostrander$138-7%
Ottawa$125-16%
Ottawa Hills$1587%
Ottoville$127-14%
Otway$1544%
Overpeck$1501%
Owensville$143-4%
Palestine$131-12%
Pandora$125-16%
Paris$138-7%
Park Layne$134-10%
Pataskala$1522%
Patriot$1554%
Paulding$129-13%
Payne$128-14%
Pedro$1501%
Peebles$1501%
Pemberton$133-11%
Pemberville$126-15%
Peninsula$136-8%
Pepper Pike$1512%
Perry$135-9%
Perry Heights$138-7%
Perrysville$141-5%
Petersburg$137-8%
Pettisville$137-8%
Phillipsburg$139-6%
Philo$145-2%
Piedmont$1480%
Pierpont$142-5%
Pigeon Creek$141-5%
Piketon$1480%
Piney Fork$1490%
Pioneer$135-9%
Pitsburg$132-11%
Plain City$137-8%
Plainfield$1480%
Pleasant City$148-1%
Pleasant Grove$143-4%
Pleasant Hill$131-12%
Pleasant Hills$1586%
Pleasant Plain$144-3%
Pleasant Run$1576%
Pleasant Run Farm$1565%
Pleasantville$146-1%
Plymouth$131-12%
Poland$143-4%
Polk$137-7%
Pomeroy$1533%
Port Clinton$125-16%
Port Jefferson$133-11%
Port Washington$140-5%
Port William$138-7%
Portage$127-14%
Portage Lakes$143-3%
Portland$1533%
Portsmouth$1490%
Potsdam$134-10%
Powell$142-5%
Powhatan Point$147-1%
Proctorville$1523%
Prospect$139-6%
Put In Bay$128-14%
Quaker City$1522%
Quincy$136-9%
Racine$1544%
Radnor$139-6%
Rarden$1512%
Ravenna$138-7%
Rawson$125-16%
Ray$147-1%
Rayland$146-2%
Raymond$134-10%
Reading$1597%
Reedsville$1543%
Reesville$138-7%
Reminderville$136-8%
Reno$147-1%
Republic$127-14%
Richfield$137-8%
Richmond$145-2%
Richmond Dale$142-4%
Richmond Heights$1544%
Richville$139-6%
Richwood$136-8%
Ridgeville Corners$132-11%
Ridgeway$134-10%
Rio Grande$1554%
Ripley$1501%
Risingsun$125-16%
Rittman$136-8%
Riverlea$1512%
Roaming Shores$142-4%
Robertsville$139-6%
Rock Camp$1533%
Rock Creek$143-4%
Rockbridge$1501%
Rockford$126-15%
Rocky Ridge$128-14%
Rogers$141-5%
Rome$144-3%
Rootstown$139-7%
Rosemount$1490%
Roseville$1480%
Rosewood$140-6%
Ross$1522%
Rossburg$128-14%
Rossford$137-8%
Rossmoyne$1533%
Rudolph$128-14%
Rushsylvania$137-8%
Rushville$148-1%
Russells Point$134-10%
Russellville$1490%
Russia$131-12%
Rutland$1544%
Sabina$134-9%
Salem$134-10%
Salem Heights$1533%
Salesville$1480%
Salineville$140-5%
Sandyville$142-5%
Sarahsville$1491%
Sardinia$147-1%
Sardis$1490%
Savannah$138-7%
Sawyerwood$144-3%
Scio$1490%
Scioto Furnace$1522%
Sciotodale$1480%
Scott$125-16%
Scottown$1554%
Seaman$1480%
Sebring$134-10%
Sedalia$140-6%
Senecaville$1480%
Seven Hills$140-6%
Seven Mile$147-1%
Seville$128-14%
Shade$1512%
Shadyside$146-2%
Shandon$1490%
Sharon Center$129-13%
Sharonville$1491%
Sharpsburg$1512%
Shauck$140-5%
Shawnee$1512%
Shawnee Hills$137-8%
Sheffield$133-11%
Sheffield Lake$135-9%
Shelby$134-10%
Sherrodsville$146-2%
Sherwood$146-2%
Shiloh$136-9%
Shreve$140-6%
Silver Lake$138-7%
Silverton$1565%
Sinking Spring$147-1%
Sixteen Mile Stand$1480%
Skyline Acres$1607%
Smithville$133-10%
Somerdale$139-7%
Somerset$1480%
Somerville$146-2%
South Amherst$131-12%
South Bloomfield$1480%
South Bloomingville$1512%
South Canal$140-6%
South Charleston$138-7%
South Lebanon$143-4%
South Point$1512%
South Russell$147-1%
South Salem$142-4%
South Solon$140-6%
South Vienna$139-6%
South Webster$1544%
South Zanesville$144-3%
Southington$141-5%
Sparta$144-3%
Spencer$131-12%
Spencerville$128-14%
Spring Valley$140-6%
Springboro$137-8%
Springdale$1554%
St. Bernard$17115%
St. Clairsville$145-2%
St. Henry$126-15%
St. Johns$127-14%
St. Louisville$1490%
St. Marys$123-17%
St. Paris$138-7%
Stafford$1512%
Sterling$133-11%
Steubenville$148-1%
Stewart$1544%
Stillwater$139-6%
Stockdale$1491%
Stockport$1565%
Stone Creek$142-4%
Stony Prairie$122-18%
Stony Ridge$130-12%
Stout$1555%
Stoutsville$145-2%
Strasburg$137-8%
Stratton$144-3%
Streetsboro$137-8%
Struthers$148-1%
Stryker$132-11%
Sugar Grove$144-3%
Sugarcreek$140-6%
Sullivan$136-8%
Sulphur Springs$130-13%
Summerfield$1522%
Summerside$147-1%
Summit Station$1523%
Summitville$139-6%
Sunbury$146-2%
Swanton$138-7%
Sycamore$129-13%
Sylvania$144-3%
Syracuse$1555%
Tallmadge$139-7%
Tarlton$147-1%
Taylor Creek$1554%
Terrace Park$145-2%
The Plains$144-3%
The Village of Indian Hill$1501%
Thompson$141-5%
Thornport$148-1%
Thornville$147-1%
Thurman$1533%
Thurston$146-2%
Tiffin$124-17%
Tiltonsville$146-2%
Timberlake$136-8%
Tipp City$133-10%
Tippecanoe$147-1%
Tiro$130-12%
Tontogany$127-14%
Toronto$144-3%
Tremont City$139-6%
Trenton$145-2%
Trinway$147-1%
Tuppers Plains$1565%
Turpin Hills$1501%
Tuscarawas$139-6%
Twinsburg$135-9%
Twinsburg Heights$135-9%
Uhrichsville$138-7%
Union$139-6%
Union City$129-13%
Union Furnace$1511%
Uniontown$138-7%
Unionville$143-4%
Unionville Center$135-9%
Uniopolis$127-14%
University Heights$16411%
Upper Sandusky$127-14%
Urbana$140-6%
Urbancrest$1501%
Utica$1490%
Valley City$127-14%
Valley View$1512%
Valleyview$16712%
Van Buren$125-15%
Van Wert$123-17%
Vandalia$139-6%
Vanlue$126-15%
Vaughnsville$127-14%
Venedocia$126-15%
Vermilion$128-14%
Verona$137-8%
Versailles$126-15%
Vickery$126-15%
Vienna$141-5%
Vincent$1491%
Vinton$1544%
Waite Hill$135-9%
Wakefield$1490%
Wakeman$132-11%
Walbridge$137-8%
Waldo$138-7%
Walhonding$1522%
Walton Hills$148-1%
Wapakoneta$125-16%
Warnock$148-1%
Warrensville Heights$16612%
Warsaw$1565%
Washington Court House$135-9%
Washingtonville$134-10%
Waterford$1501%
Waterloo$1544%
Waterville$133-11%
Wauseon$136-9%
Waverly$145-2%
Waverly City$145-2%
Wayland$140-6%
Wayne$127-14%
Waynesburg$139-6%
Waynesfield$129-13%
Waynesville$141-5%
Wellington$136-9%
Wellston$1501%
Wellsville$144-3%
West Alexandria$141-5%
West Carrollton$139-6%
West Chester$147-1%
West Elkton$143-3%
West Farmington$142-5%
West Hill$142-4%
West Jefferson$142-4%
West Lafayette$145-2%
West Liberty$138-7%
West Manchester$137-8%
West Mansfield$138-7%
West Millgrove$128-14%
West Milton$133-11%
West Point$138-7%
West Portsmouth$1491%
West Salem$136-9%
West Union$1544%
West Unity$134-10%
Westfield Center$129-13%
Weston$130-12%
Westville$141-5%
Wetherington$147-1%
Wharton$128-14%
Wheelersburg$1480%
Whipple$147-1%
White Cottage$147-1%
White Oak$1629%
Whitehouse$135-9%
Wickliffe$146-2%
Wilberforce$140-6%
Wilkesville$1491%
Willard$131-12%
Williamsburg$145-2%
Williamsfield$147-1%
Williamsport$143-4%
Williamstown$128-14%
Williston$133-11%
Willoughby Hills$139-6%
Willow Wood$1533%
Willowick$138-7%
Willshire$126-15%
Wilmington$138-7%
Wilmot$138-7%
Winchester$1490%
Windham$138-7%
Windsor$147-1%
Winesburg$142-4%
Wingett Run$1491%
Winona$138-7%
Wintersville$146-2%
Withamsville$144-3%
Wolf Run$1501%
Wolfhurst$145-3%
Woodlawn$1576%
Woodmere$1597%
Woodsfield$1533%
Woodstock$140-6%
Woodville$126-15%
Worthington$1501%
Wren$128-14%
Wright-Patterson Air Force Base$138-7%
Wyoming$1576%
Yellow Springs$137-8%
Yorkshire$128-14%
Yorkville$147-1%
Zaleski$1533%
Zanesfield$139-6%
Zoar$139-7%

Cheapest auto insurance in OH for teens

Ohio teens pay three times more for car insurance than older drivers. That's because teens have less experience behind the wheel, which makes them more likely to cause an accident.

If you're a teen shopping for car insurance in Ohio, consider Erie and Geico, both of which offer affordable rates for teens. Erie tends to have better customer service, while Geico is a better choice if you need to buy a policy online quickly. It's best to compare quotes from a few different companies to find the best rates for you.

Affordable Ohio car insurance quotes for teens

Company
Liability only
Full coverage
Erie$76$254
Geico$99$221
Westfield$122$377
Auto-Owners$150$396
Allstate$186$387

*USAA is only available to military members, veterans and some of their family members.

Insurance tips for teen drivers
  • The best way for teen drivers to save money on car insurance is by sharing a policy with their parents or an older relative. Good student and driver safety course discounts can also bring down young drivers' rates.
  • Full coverage is usually a good idea for teen drivers if you can afford it. Teens get into accidents more often than adult drivers, so you're more likely to get the benefits from having your insurance company pay for repairs on your car.

    In general, full coverage insurance is worth it if you can't afford to easily replace your car, or if it's worth more than about $5,000.

Cheap auto insurance in OH after a speeding ticket or accident

Tickets and accidents can cause your auto insurance quotes in Ohio to go up significantly. That's because car insurance companies believe drivers with a bad record are more likely to cause an accident in the future. That makes drivers with prior incidents more expensive to insure.

If you recently got a ticket or caused an accident, you can save money by comparing quotes from Erie, Geico and Auto-Owners.

Low-cost insurance in Ohio after a ticket

Company
Speeding rate
Accident rate
Erie$122$167
Geico$130$152
Auto-Owners$136$190
Progressive$172$203
Westfield$209$238

Rates are for a full coverage policy with collision and comprehensive coverage.

Speeding tickets raise the average cost of full coverage auto insurance in Ohio from $148 to $182 per month. That's a 23% increase. And rates go up by 51% after a single accident.

Money-saving tips after an accident
  • Don't buy a new policy right away. Your current company won't raise your rates until your policy renews. But any quotes you get now will likely include your ticket or accident, so they'll probably be more expensive than your current rate.
  • Shop around for quotes. It's even more important to compare rates from three or more companies after a ticket or accident to make sure you're getting the best price.

    There's a difference of $2,400 per year between the most and least expensive car insurance companies in Ohio if you've caused an accident. That’s $200 extra per month just for choosing the wrong insurance company.

Cheap insurance in Ohio for teens with bad driving records

Teens can struggle to find reasonable car insurance rates after a speeding ticket or accident. In fact, teen drivers in Ohio typically pay 21% more for car insurance after one speeding ticket and 41% more after their first accident.

In our experience reviewing millions of quotes, ValuePenguin found that Erie still offers very affordable car insurance for teens, even with a bad driving record.

Best Ohio car insurance for teens after a ticket or accident

Company
Ticket
Accident
Erie$89$108
Geico$112$135
Westfield$147$150
Auto-Owners$150$233
Progressive$207$218

Rates are for a minimum liability policy. *USAA is only available to military members, veterans and some of their family members.

Money-saving tip for teens with a bad driving record

Keeping your grades up could earn you a solid discount: Most companies offer a good student discount for having a 3.0 or B GPA or higher.

The second-cheapest company, Geico, offers up to 15% off for teens with good grades. That could mean a savings of $200 per year after a ticket, or $243 per year after an accident.

Affordable car insurance in Ohio after a DUI

A DUI often causes your car insurance rates to skyrocket. Insurance companies in Ohio raise rates by 80% after a DUI, on average. That's an average increase of $119 per month for a full coverage policy.

In addition, drivers in Ohio with a DUI may need to get SR-22 insurance. Insurance companies usually charge between $50 and $65 to file an SR-22 with the Ohio Bureau of Motor Vehicles (BMV) on your behalf. This is in addition to the increase in your insurance rates.

Ohio drivers with a DUI may be able to save money by comparing quotes from Geico and Progressive. Both companies offer affordable rates and fast online quotes, so it's worth comparing them to find the best price for you.

Cheapest auto insurance in Ohio after a DUI

Company
Monthly rate
Geico$151
Progressive$165
Erie$211
Auto-Owners$257
Allstate$278

*USAA is only available to military members, veterans and some of their family members.

Cheapest car insurance in OH for drivers with poor credit

In Ohio, people with poor credit pay 74% more for car insurance than people with good credit scores. That's because insurance companies believe drivers with poor credit are more likely to file a claim in the future.

If you have bad credit, Geico is probably your best bet for finding affordable car insurance. Its full coverage costs an average of $43 per month less than the second-cheapest company, Progressive.

Best rates for car insurance in Ohio with bad credit

Company
Monthly rate
Geico$162
Progressive$205
Grange$252
Erie$257
Nationwide$262

*USAA is only available to military members, veterans and some of their family members.

Car insurance rates in Ohio have gone up by around 40% over the last five years. That's about 3% higher than the average increase nationwide.

The largest rate hikes happened in 2024, when rates went up more than 19%. But things are looking up for Ohio drivers, as rates are predicted to go down in 2026 for the first time in five years.

Changes in car insurance rates in Ohio, 2022-2026
Year
Rate change
20223.10%
202317.86%
202419.41%
20253.57%
2026-1.75%

Car insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).

Despite having some of the most affordable rates in Ohio, Erie and Geico had the biggest rate increases over the last five years. Erie raised rates by a whopping 84%, while Geico increased rates by 65%.

Auto-Owners had some of the smallest rate increases over that time period, at just 30%.

Ohio minimum car insurance requirements

Ohio requires drivers to have a minimum amount of car insurance to legally drive in the state. Liability coverage pays for the other driver's medical and car repair bills. The minimum limits in Ohio are sometimes written as

Required car insurance in Ohio

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What's the best car insurance coverage for Ohio drivers?

Full coverage car insurance is the best choice for most Ohio drivers.

  • Full coverage car insurance includes more bodily injury and property damage liability coverage than required by the state. That means you're less likely to have out-of-pocket expenses after an accident.

    Full coverage also includes comprehensive and collision coverage. So your insurance will pay for damage to your car from an accident, weather, theft or vandalism, regardless of whose fault it is.

    Most lenders require you to have full coverage insurance if you have a car loan or lease. Full coverage is also a good idea if your car is less than 8 years old or worth more than $5,000.

  • You should also consider adding uninsured and underinsured motorist coverage to your policy. This coverage helps pay for your own injuries and damage to your car if another driver hits you and doesn't have insurance or their limits aren't high enough to cover the entire cost.

    In Ohio, around 15% of people drive uninsured. Uninsured and underinsured motorist coverage can help you avoid a big bill if you're hit by someone who doesn’t have insurance.

  • Liability car insurance may be an appealing option because it's so much cheaper than full coverage. However, the low coverage limits could end up costing you more in the long run if you cause an accident.

    Additionally, minimum coverage in Ohio only covers the other driver's injuries and property damage. It doesn't include protection for damage to your car or injuries to you or your passengers.

Frequently asked questions

Who has the cheapest car insurance in Ohio?

In 2026, Geico has the cheapest car insurance in Ohio for drivers who want complete coverage, at an average of $104 per month. That's $44 per month less than the state average.

If you want a basic policy, Erie has the cheapest rates in Ohio for a minimum liability policy, at $33 per month, on average.

How much is car insurance in Ohio?

The average cost of car insurance in Ohio is $148 per month for full coverage. That's $61 per month less than the national average.

Who has the best car insurance in Ohio?

USAA and Erie are the best car insurance companies in Ohio. They offer the best combination of cheap quotes, dependable customer service and useful coverage options.

Why is car insurance so cheap in Ohio?

Ohio is the fifth-cheapest state in the country for full coverage insurance and the 10th-cheapest for minimum coverage. This is partially because Ohio has fewer fatal car accidents than many other states. It also has lower rates of auto theft, according to the FBI.

How much is car insurance in Cincinnati, Ohio?

Car insurance in Cincinnati costs an average of $171 per month for a full coverage policy. That's $23 per month higher than the Ohio state average. In comparison, auto insurance in Columbus costs about $166 per month.


Methodology

To find the best cheap Ohio auto insurance, ValuePenguin collected thousands of quotes from every ZIP code in OH for the largest insurance companies in the state. Rates are for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.

Quotes are for a full coverage policy with comprehensive and collision coverage and liability limits that are higher than Ohio requirements.

  • Bodily injury liability: $50,000 per person and $100,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Comprehensive and collision: $500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.

About the Author

Lindsay Bishop
Lindsay Bishop

Senior Writer

Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.


Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.


After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.


When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.

How insurance helped Lindsay


As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.

Expertise

  • Home insurance
  • Car insurance
  • Flood insurance
  • Renters insurance
  • Motorcycle insurance

Referenced by

  • CNBC
  • Yahoo Finance
  • Miami Herald

Education

  • BS/BA Economics, University of Nevada Las Vegas

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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