Who Has The Cheapest Auto Insurance Quotes in Ohio?

Find the Cheapest Auto Insurance Quotes in Your Area

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We studied auto insurance quotes in cities across Ohio to determine which companies were the most affordable. The average cost of car insurance in Ohio was $1,688, or $141 per month, for our sample driver with a full coverage policy.

The cheapest car insurance in Ohio was GEICO, with an average annual rate of $1,096 per year. The most expensive auto insurer was Allstate, with policies costing $2,346 annually.

The most expensive local insurer cost nearly 2.1 times the cheapest auto insurance company in Ohio. This illustrates the importance of comparison shopping. To get good rates, drivers should grab quotes from at least three companies before deciding which to insure with.

Read more below, or enter your ZIP code above to see a list of companies near you to begin shopping from.

Cheapest car insurance companies in Ohio

The cheapest auto insurance company in Ohio was GEICO, with annual rates of $1,096, which are 35% cheaper than the state average. The next most affordable car insurers for a full coverage policy were State Farm and Westfield.

Here are the most affordable Ohio insurers:

This graph ranks five companies included in our analysis from the cheapest full coverage car insurance rates to the most expensive for our sample drivers

As part of our analysis, we compared quotes at eight auto insurance companies for one sample driver, a thirty-year-old single male in the state of Ohio, to find the companies with the lowest costs.

Find the Cheapest Auto Insurance Quotes in Your Area

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Together, the three cheapest insurers averaged $1,299 in annual car insurance costs, or a 27% discount to the state average.

The most expensive auto insurance companies in our sample were:

  • Allstate
  • Progressive
  • Nationwide

Together, these companies averaged $2,173 in annual premiums, or 29% more than the state average.

Here is a list of all the Ohio auto insurers we have looked at for a full coverage policy, compiled into a table and listed from the cheapest average annual rate to the most expensive.

RankInsurerPremium
1GEICO$1,096
2State Farm$1,202
3Westfield$1,389
4Grange Mutual$1,529
5Erie$1,768
6Nationwide$2,001
7Progressive$2,172
8Allstate$2,346

This list might be different depending on where you live in Ohio, and your actual quotes will reflect your driving profile, the liability limits you choose, as well as the kind of car you drive and more.

Full coverage car insurance includes bodily injury and property damage liability coverage, comprehensive and collision coverage and, sometimes, personal injury protection (PIP). Drivers that wish to fully insure themselves against damage to their own vehicles should consider purchasing full coverage car insurance.

Cheapest Ohio state minimum coverage car insurance

For minimum coverage auto insurance, Westfield, GEICO and Erie offered the cheapest annual premiums. Together, they quoted our profiled drivers $414 per year, or about 26% cheaper than Ohio state average of $615.

The table below ranks insurance companies in Ohio from the least to most expensive when offering a minimum coverage policy.

RankInsurerPremium
1Westfield$361
2GEICO$419
3Erie$463
4State Farm$481
5Grange Mutual$503
6Progressive$698
7Allstate$774
8Nationwide$792

The difference between the average cost of a full coverage policy ($1,688) and a minimum coverage policy ($414) in Ohio is $1,127.

Minimum coverage car insurance only meets Ohio state law's minimum required coverage limits. Unlike a full coverage policy, minimum coverage doesn't include comprehensive and collision insurance. Although you can purchase minimum coverage at a lower cost, you may be at risk of insufficient protection in the event of a car accident.

Cheap car insurance with an accident history in Ohio

State Farm, Westfield and GEICO offered the cheapest auto insurance quotes for drivers in Ohio with a prior accident on their driving record. Together, the three cheapest insurers averaged $1,673, or 31% less than the state average of $2,441.

The most expensive insurer in our sample was Progressive at $3,695, or more than double the cost of the cheapest insurer, State Farm. Such a large difference in costs further highlights the importance of comparing multiple car insurance quotes.

RankInsurerRate with no accident historyRate with accident historyDifference
1State Farm$1,202$1,42819%
2Westfield$1,389$1,5109%
3GEICO$1,096$2,08190%
4Grange Mutual$1,529$2,12639%
5Erie$1,768$2,17223%
6Nationwide$2,001$3,09755%
7Allstate$2,346$3,41446%
8Progressive$2,172$3,69570%

Just one accident on your driving record can result in substantially more expensive car insurance rates. In Ohio, the difference in annual auto insurance quotes between a full coverage policy with no prior accidents ($1,688) versus one with a single prior accident ($2,441) was nearly $753.

Best car insurance companies in Ohio

Simply looking at companies with the cheapest auto insurance rates doesn't always answer the question as to which 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 a list of the largest auto insurers in Ohio and the complaint ratio for each, based on the most recent year for which data was available. Based on this metric, Erie, State Farm and Cincinnati Insurance are the three best rated car insurance companies in Ohio.

RankInsurerMarket shareComplaint ratio
1Erie3.02%0.51
2State Farm17.78%0.54
3Cincinnati2.17%0.54
4Nationwide3.76%0.55
5Liberty Mutual (Safeco)2.57%0.60
6Westfield1.46%0.60
7Motorists1.38%0.74
8Allstate6.14%0.79
9Farmers1.55%0.85
10Progressive6.05%0.87
11American Family1.64%1.07
12Grange3.02%1.12
13GEICO3.05%1.27
14Safe Auto1.10%3.67

The complaint ratio represents the number of complaints a company gets in comparison to its total premiums written. The lower the complaint ratio, the better the company's customer satisfaction rating.

The data is from the Ohio Department of Insurance and uses the complaint ratio for the largest underwriter for each insurance group in the state. Only companies with a market share of at least 1% were included.

Minimum Ohio car insurance coverage requirements

Ohio's minimum liability insurance requirements are 25/50/25, which are described in further detail in the table below. We used a slightly more comprehensive policy for the study, and added on uninsured motorist bodily injury and property damage coverage.

CoverageOhio minimum required limits
Bodily injury (BI)$25,000 per person / $50,000 per accident
Property damage (PD)$25,000
Uninsured motorist BIOptional
Uninsured motorist PDOptional

Cheapest auto insurance in Ohio by city

Car insurance costs are quite different when comparing one city to another. In this section, we'll identify the cheapest companies for the 50y most populous cities in Ohio, where data was available.

In every Ohio city analyzed, GEICO, State Farm and Westfield were the cheapest insurers, and usually in that order.

CityInsurerPremium
AkronGEICO$1,179
State Farm$1,332
Westfield$1,472
AthensGEICO$1,079
State Farm$1,146
Westfield$1,422
Avon LakeGEICO$1,003
State Farm$1,186
Westfield$1,205
BarbertonGEICO$1,137
State Farm$1,173
Westfield$1,368
BeavercreekGEICO$1,019
State Farm$1,139
Westfield$1,365
Bowling GreenGEICO$970
State Farm$1,105
Westfield$1,214
BrunswickGEICO$966
State Farm$1,207
Westfield$1,260
CantonGEICO$1,143
State Farm$1,241
Westfield$1,333
CentervilleGEICO$1,023
State Farm$1,175
Westfield$1,299
CincinnatiGEICO$1,290
State Farm$1,461
Westfield$1,604
ClevelandGEICO$1,269
State Farm$1,432
Westfield$1,855
Cleveland HeightsGEICO$1,284
State Farm$1,404
Westfield$1,614
ColumbusGEICO$1,265
State Farm$1,391
Westfield$1,598
Cuyahoga FallsGEICO$1,029
State Farm$1,145
Westfield$1,325
DaytonGEICO$1,139
Westfield$1,344
State Farm$1,346
DelawareGEICO$1,037
State Farm$1,280
Westfield$1,414
ElyriaGEICO$1,009
State Farm$1,160
Westfield$1,205
EuclidGEICO$1,222
State Farm$1,389
Westfield$1,614
FairbornGEICO$996
State Farm$1,190
Westfield$1,365
FairfieldGEICO$1,145
Westfield$1,363
State Farm$1,369
FindlayGEICO$961
State Farm$1,026
Westfield$1,174
GreenGEICO$1,053
State Farm$1,163
Westfield$1,363
HamiltonGEICO$1,124
State Farm$1,354
Westfield$1,365
KentGEICO$1,053
State Farm$1,141
Westfield$1,454
LancasterGEICO$1,138
State Farm$1,311
Westfield$1,443
LimaGEICO$1,049
State Farm$1,150
Westfield$1,222
LorainGEICO$1,031
State Farm$1,191
Westfield$1,205
MansfieldGEICO$1,063
State Farm$1,095
Westfield$1,277
MarionGEICO$1,071
State Farm$1,183
Westfield$1,300
MarysvilleGEICO$990
State Farm$1,169
Westfield$1,308
MasonGEICO$1,019
State Farm$1,171
Westfield$1,325
MassillonGEICO$1,064
State Farm$1,219
Westfield$1,333
MedinaGEICO$963
State Farm$1,198
Westfield$1,260
MiddletownGEICO$1,053
Westfield$1,365
State Farm$1,371
North OlmstedGEICO$1,001
State Farm$1,203
Westfield$1,298
North RidgevilleGEICO$966
State Farm$1,165
Westfield$1,205
North RoyaltonGEICO$963
State Farm$1,221
Westfield$1,298
ParmaGEICO$980
State Farm$1,172
Westfield$1,391
SpringfieldGEICO$1,070
State Farm$1,241
Westfield$1,378
StrongsvilleGEICO$1,005
State Farm$1,158
Westfield$1,298
ToledoGEICO$1,334
Westfield$1,523
State Farm$1,541
TrotwoodGEICO$1,078
Westfield$1,344
State Farm$1,391
TroyGEICO$1,048
State Farm$1,088
Westfield$1,327
WadsworthGEICO$998
State Farm$1,167
Westfield$1,260
WarrenGEICO$1,096
State Farm$1,210
Westfield$1,416
WestervilleGEICO$1,086
State Farm$1,251
Westfield$1,418
WestlakeGEICO$998
State Farm$1,183
Westfield$1,298
WoosterGEICO$1,063
State Farm$1,118
Westfield$1,244
XeniaGEICO$1,023
State Farm$1,126
Westfield$1,327
YoungstownGEICO$1,271
State Farm$1,482
Westfield$1,693

Next we dive deeper into the cheapest auto insurers in Ohio's largest cities:

  • Columbus
  • Cleveland
  • Cincinnati
  • Toledo
  • Akron

Because car insurance costs go up in more dense urban areas, given the increased likelihood of accidents and claim filings, these five cities were among the most expensive in our sample.

Car insurance in Columbus, Ohio

  • Average annual cost = $1,914
  • 13% more than the Ohio average

If you're looking for cheap auto insurance quotes in Columbus, you might want to start with GEICO, State Farm and Westfield.

Cheap car insurance quotes in Cleveland, Ohio

  • Average annual cost = $2,070
  • 23% more than the Ohio average
  • Average for three cheapest companies $1,220

Home to the Rock and Roll Hall of Fame, Cleveland was among the priciest cities on our list, only second to Youngstown. Even if it is among the most expensive for car insurance in the state, there is still room to save with some comparison shopping.

We found that GEICO, State Farm and Westfield were the three cheapest car insurance companies in Cleveland, with rates 41% cheaper than the city average.

Best auto insurance quotes in Cincinnati, Ohio

  • Average annual cost = $1,952
  • 16% more than the state average

With more than 300,000 residents, Cincinnati is the third largest city in Ohio. GEICO, State Farm and Westfield quoted the lowest car insurance rates in Cincinnati. They were 33% lower than the rest of the city with an annual average of $1,302, or near $109 a month.

Cheap car insurance rates in Toledo, Ohio

  • Average annual cost = $1,986
  • 18% more than Ohio average

The most affordable quotes for auto insurance near you in Toledo, Ohio, were at GEICO at $1,334 per year on average, which was 33% lower than the mean city cost. Westfield, State Farm, Grange and Erie round up the rest of the five least expensive companies. Compare at least three insurers before making your choice.

Best car insurance rates in Akron, Ohio

  • Average annual cost = $1,835
  • 9% higher than Ohio mean

With GEICO, State Farm and Westfield, we found low-cost car insurance for locals in Akron for an average as low as $1,328 a year.

Average car insurance costs in Ohio by city

Here's a look at the largest cities in Ohio 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.

Findlay, Bowling Green and Brunswick were the cheapest for car insurance, while Youngstown, Cleveland and Toledo were the most expensive.

RankCityPremium
1Findlay$1,447
2Bowling Green$1,489
3Brunswick$1,544
4Wooster$1,555
5Troy$1,555
6Medina$1,558
7Lima$1,559
8Mansfield$1,566
9North Ridgeville$1,569
10Wadsworth$1,578
11Marysville$1,580
12Elyria$1,590
13Marion$1,600
14North Olmsted$1,602
15Lorain$1,604
16Avon Lake$1,605
17Fairborn$1,615
18Parma$1,617
19Cuyahoga Falls$1,618
20Strongsville$1,620
21North Royalton$1,625
22Kent$1,628
23Green$1,631
24Westlake$1,633
25Centerville$1,636
26Beavercreek$1,644
27Xenia$1,647
28Springfield$1,651
29Barberton$1,661
30Massillon$1,663
31Mason$1,670
32Delaware$1,682
33Westerville$1,696
34Lancaster$1,697
35Canton$1,721
36Middletown$1,721
37Athens$1,733
38Fairfield$1,755
39Trotwood$1,758
40Hamilton$1,797
41Warren$1,801
42Euclid$1,829
43Dayton$1,830
44Akron$1,835
45Cleveland Heights$1,881
46Columbus$1,914
47Cincinnati$1,952
48Toledo$1,986
49Cleveland$2,070
50Youngstown$2,132

Study methodology

We collected car insurance quotes for hundreds of cities in Ohio from eight insurance companies. Our sample driver was a:

  • 30-year-old male
  • Driving a 2015 Honda Civic EX

The driver was profiled as having no credit history, making him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.

The base policy for our sample driver was full coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For a minimum-coverage policy, our sample driver had coverage equivalent to the minimum Ohio state requirements.

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

Mark Fitzpatrick

Mark is a Senior Research Analyst for ValuePenguin focusing primarily on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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