Cheapest Auto Insurance Quotes in Ohio (2025)
Geico has the cheapest car insurance in Ohio, at $58 per month for full coverage.
Find Cheap Auto Insurance Quotes in Ohio
Best cheap auto insurance in Ohio
How we chose the top companies
Best and cheapest car insurance in Ohio
- Cheapest full coverage: Geico, $58/mo
- Cheapest minimum liability: Erie, $28/mo
- Cheapest for young drivers: Geico, $51/mo
- Cheapest after a ticket: Geico, $69/mo
- Cheapest after an accident: Geico, $80/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Geico, $58/mo
- Cheapest after a DUI: Geico, $79/mo
- Cheapest for poor credit: Geico, $84/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best mix of cheap rates and great customer service in Ohio. Geico is also a good choice. While its customer service is good, it's not as outstanding as Erie's.
Cheapest car insurance in Ohio: Geico
Geico has the cheapest full coverage car insurance in Ohio.
A full coverage policy from Geico costs just $58 per month, on average. That's half as much as the average cost statewide.
Ohio drivers should also compare quotes from Erie. Erie is the second-cheapest company in the state, at $83 per month for full coverage insurance. That's $25 per month more than a policy from Geico. But Erie has much better customer service reviews than Geico, which makes it a better choice for many people.
Find Cheap Auto Insurance Quotes in Ohio
The average cost of car insurance in Ohio is $114 per month for full coverage. That's $61 per month less than the national average.
Best cheap full coverage auto insurance in Ohio
Company | Monthly rate | |
|---|---|---|
| Geico | $58 |
| Erie | $83 |
| Progressive | $117 |
| Nationwide | $135 |
| Grange | $158 |
*USAA is only available to current and former military members and their families.
USAA also offers cheap car insurance quotes to Ohio drivers with military connections. A full coverage policy from USAA costs around $73 per month. While that's more expensive than Geico, USAA has superior customer service.
Cheap liability car insurance in Ohio: Erie
Erie has the cheapest minimum liability car insurance in Ohio.
Erie offers minimum coverage for $28 per month. That's $19 per month cheaper than the state average of $47 per month.
USAA also offers excellent rates, at $22 per month. However, only military members, veterans and some of their family members can get insurance from USAA.
Low-cost liability only insurance in Ohio
Company | Monthly rate |
|---|---|
| Erie | $28 |
| Geico | $30 |
| Progressive | $48 |
| Nationwide | $60 |
| Grange | $61 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Ohio
Cheapest auto insurance in OH for young drivers: Geico
Geico has the cheapest car insurance in Ohio for young drivers, at $51 per month for a minimum liability policy.
Geico also has the most affordable full coverage, at $100 per month for an 18-year-old driver.
Young drivers in Ohio should also compare quotes from Erie. Its reputation for excellent customer service makes it a great choice for young drivers, who are more likely to have an accident.
Most affordable Ohio car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $51 | $100 |
| Erie | $77 | $223 |
| Progressive | $174 | $517 |
| Allstate | $185 | $346 |
| Grange | $223 | $458 |
*USAA is only available to current and former military members and their families.
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: Geico
Geico has the best car insurance quotes in Ohio for drivers with a speeding ticket on their record. At $69 per month, a full coverage policy from Geico costs less than half as much as the state average.
Low-cost insurance in Ohio after a ticket
Company | Monthly rate |
|---|---|
| Geico | $69 |
| Erie | $90 |
| Nationwide | $167 |
| Progressive | $167 |
| Allstate | $220 |
*USAA is only available to current and former military members and their families.
Speeding tickets raise the average cost of full coverage auto insurance in Ohio from $114 to $147 per month. That's a 29% increase.
Cheap insurance in Ohio after an accident: Geico
Geico has the cheapest auto insurance quotes for drivers in Ohio after an at-fault accident, at $80 per month for full coverage. That's less than half the Ohio average and $23 per month lower than the second-cheapest company, Erie.
Drivers with an accident should also compare rates from Erie. Its outstanding customer service could come in handy if you're in another accident in the future.
Affordable auto insurance in Ohio after a crash
Company | Monthly rate |
|---|---|
| Geico | $80 |
| Erie | $103 |
| Progressive | $185 |
| Grange | $193 |
| Nationwide | $199 |
*USAA is only available to current and former military members and their families.
Just one accident on your driving record can lead to much higher car insurance quotes. In Ohio, rates go up by 47% after a single accident. That's an increase of $53 per month for full coverage, on average.
Cheap insurance in Ohio for teens with a ticket or accident: Geico
Geico has the most affordable rates for young Ohio drivers with a speeding ticket or accident on their record.
A minimum liability policy from Geico costs $58 per month for an 18-year-old driver with a speeding ticket. That's one-third the average price in Ohio.
After an accident, a minimum liability policy from Geico costs $68 per month, less than half the state average.
Best Ohio car insurance for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $58 | $68 |
| Erie | $90 | $91 |
| Progressive | $192 | $194 |
| Allstate | $237 | $356 |
| Nationwide | $241 | $247 |
*USAA is only available to current and former military members and their families.
An 18-year-old driver in Ohio can expect their rates to go up by 22% after a single speeding ticket. Rates for teens go up 30% after an accident.
Affordable car insurance in Ohio after a DUI: Geico
Geico has the cheapest car insurance rates for Ohio drivers after a DUI. A full coverage policy from Geico costs $79 per month, which is half the average in Ohio.
Cheapest auto insurance in Ohio after a DUI
Company | Monthly rate |
|---|---|
| Geico | $79 |
| Erie | $135 |
| Progressive | $153 |
| Allstate | $243 |
| Grange | $253 |
*USAA is only available to current and former military members and their families.
Insurance companies in Ohio raise rates by 54% after a DUI, on average. That's an average increase of $61 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.
Cheapest car insurance in OH for drivers with poor credit: Geico
Geico has the most affordable car insurance for drivers with bad credit in Ohio. The average quote from Geico is $84 per month for a full coverage policy, which is less than half the state average.
Best rates for car insurance in Ohio with bad credit
Company | Monthly rate |
|---|---|
| Geico | $84 |
| Erie | $188 |
| Progressive | $191 |
| Nationwide | $202 |
| Grange | $215 |
*USAA is only available to current and former military members and their families.
Drivers in Ohio with poor credit pay an average of $185 per month for full coverage. That's $71 more expensive per month than the typical cost of insurance for drivers with a good credit score.
Your credit score doesn't affect your driving ability, but it impacts your car insurance rates in Ohio. That's because insurance companies believe that drivers with poor credit are more likely to make an insurance claim.
Best car insurance companies in Ohio
USAA is the best car insurance company in Ohio because of its cheap rates and high customer service scores.
However, USAA only sells policies to military members, veterans and their families.
Drivers that don't qualify for USAA should consider Erie. It also offers dependable customer service at an affordable price.
Top insurance companies in Ohio
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| Erie | 700 | A+ | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A | |
| Grange | 655 | A |
Average car insurance cost 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 $96 per month for full coverage, which is $18 per month less than the state average.
Bratenahl, a suburb of Cleveland, has the most expensive rates in the state, at $139 per month. Its location on Lake Erie means cars in Bratenahl could face damage from severe weather, like flooding due to storm surge.
Average cost of car insurance in OH by city
City | Monthly Rate | % from average |
|---|---|---|
| Aberdeen | $116 | 3% |
| Ada | $104 | -8% |
| Adamsville | $114 | 1% |
| Addyston | $124 | 9% |
| Adelphi | $112 | 0% |
Where you live can affect your car insurance rates as much as your driving habits. However, rates in Ohio don't change much across the state. There's only a $42 per month difference in the cost of full coverage car insurance between the most and least expensive cities.
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 25/50/25.
Required car insurance in Ohio
- Bodily injury liability (BI): $25,000 per person and $50,000 per accident
- Property damage liability (PD): $25,000 per accident
What's the best car insurance coverage for Ohio drivers?
Full coverage car insurance is the best choice for most Ohio drivers.
Frequently asked questions
Who has the cheapest car insurance in Ohio?
Geico has the cheapest full coverage car insurance quotes in Ohio, at $58 per month. Erie has the cheapest liability-only rates, at $28 per month, on average.
How much is car insurance in Ohio?
The average cost of car insurance in Ohio is $114 per month for full coverage and $47 per month for minimum liability auto insurance.
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 Toledo, Ohio?
Car insurance in Toledo costs an average of $131 per month for a full coverage policy. That's $17 per month higher than the Ohio state average. Auto insurance in Cleveland and Columbus costs about the same as Toledo, at $136 per month and $133 per month, respectively.
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 2015 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: $25,000 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.
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.