Find Cheap Auto Insurance Quotes in Ohio
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:
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 Cheap Auto Insurance Quotes in Ohio
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:
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.
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.
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.
|Rank||Insurer||Rate with no accident history||Rate with accident history||Difference|
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.
|Rank||Insurer||Market share||Complaint ratio|
|5||Liberty Mutual (Safeco)||2.57%||0.60|
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.
|Coverage||Ohio minimum required limits|
|Bodily injury (BI)||$25,000 per person / $50,000 per accident|
|Property damage (PD)||$25,000|
|Uninsured motorist BI||Optional|
|Uninsured motorist PD||Optional|
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.
Next we dive deeper into the cheapest auto insurers in Ohio's largest cities:
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.
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 type||Study 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.