Cheapest Auto Insurance Quotes in Ohio (2026)
Geico has the cheapest full coverage car insurance in Ohio, at $104 per month.
Find Cheap Car Insurance Quotes in Ohio
Best cheap auto insurance in Ohio
Geico and Erie are the cheapest companies for most people in Ohio.
- Want full coverage? Geico: $104/mo
- Only need minimum coverage? Erie: $33/mo
- Want the best customer service? Erie: $113/mo
- Have a speeding ticket? Erie: $122/mo
- Caused an accident? Geico: $152/mo
- Need coverage for a young driver? Erie: $76/mo
- Got a DUI? Geico: $151/mo
- Have poor credit? Geico: $162/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in Ohio: Geico
Geico has the cheapest full coverage car insurance in Ohio.
- Geico charges an average of $104 per month for full coverage car insurance in Ohio. That's a savings of around 30% compared to the state average.
- Ohio drivers should also compare quotes from Erie. Full coverage from Erie costs only $9 per month more than Geico, on average. But Erie has much better customer service reviews than Geico, which makes it a better choice for many people.
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USAA offers the cheapest car insurance quotes to Ohio drivers with military connections. Full coverage from USAA costs around $84 per month. That's $20 per month less than Geico.
Find Cheap Car Insurance Quotes in Ohio
Best cheap full coverage car insurance in OH
Company | Monthly rate |
|---|---|
| Geico | $104 |
| Erie | $113 |
| Progressive | $131 |
| Auto-Owners | $136 |
| USAA* | $84 |
*USAA is only available to current and former military members and their families.
Data-powered research on Ohio car insurance
Cheapest liability insurance in OH: Erie
- Erie has the cheapest minimum liability car insurance in Ohio, at $33 per month. That's around one-third less than the state average of $55 per month.
- USAA also offers excellent rates, at $28 per month. However, only military members, veterans and some of their family members can get insurance from USAA.
Affordable state minimum car insurance in Ohio
Company | Monthly rate |
|---|---|
| Erie | $33 |
| Auto-Owners | $40 |
| Westfield | $44 |
| Geico | $45 |
| USAA* | $28 |
*USAA is only available to current and former military members and their families.
Ohio has more uninsured drivers than many other states, according to the Insurance Research Council. That means it's more likely you'll get hit by someone who doesn't have the proper insurance coverage to pay for your injuries and damage to your car.
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, and they're typically affordable.
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.
Car insurance rates in Ohio by city
- Geico has the cheapest full coverage insurance in 88% of cities and towns across Ohio, including Columbus and Cleveland. Erie has the lowest rates in the remaining 13% of Ohio cities, which include Cincinnati and Toledo.
- Ballville, a township in Sandusky County, is the cheapest city in Ohio for full coverage car insurance. Drivers in Ballville 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.
Find Cheap Car Insurance Quotes in Ohio
Cheapest car insurance in OH by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Columbus | $166 | Geico | $120 |
| Cleveland | $173 | Geico | $130 |
| Cincinnati | $171 | Erie | $125 |
| Toledo | $167 | Erie | $119 |
| Akron | $157 | Geico | $107 |
| Dayton | $155 | Geico | $96 |
| Parma | $141 | Erie | $103 |
| Canton | $146 | Geico | $96 |
| Lorain | $137 | Erie | $99 |
| Hamilton | $152 | Geico | $106 |
| Youngstown | $160 | Geico | $106 |
| Springfield | $141 | Geico | $82 |
| Kettering | $141 | Geico | $93 |
| Elyria | $133 | Erie | $99 |
| Middletown | $144 | Geico | $101 |
| Newark | $148 | Geico | $90 |
| Cuyahoga Falls | $141 | Geico | $100 |
| Lakewood | $149 | Geico | $110 |
| Dublin | $144 | Geico | $106 |
| Euclid | $160 | Erie | $125 |
| Mansfield | $139 | Geico | $93 |
| Beavercreek | $139 | Geico | $93 |
| Mentor | $134 | Geico | $96 |
| Strongsville | $135 | Erie | $106 |
| Delaware | $141 | Geico | $94 |
| Fairfield | $152 | Geico | $106 |
| Cleveland Heights | $166 | Erie | $125 |
| Huber Heights | $142 | Erie | $101 |
| Lancaster | $142 | Geico | $93 |
| Reynoldsburg | $157 | Erie | $118 |
| Findlay | $123 | Geico | $81 |
| Warren | $145 | Geico | $95 |
| Westerville | $149 | Geico | $107 |
| Hilliard | $148 | Geico | $106 |
| North Ridgeville | $132 | Erie | $99 |
| Upper Arlington | $153 | Geico | $106 |
| Mason | $143 | Geico | $99 |
| Marion | $136 | Geico | $88 |
| Gahanna | $158 | Erie | $118 |
| Brunswick | $126 | Geico | $93 |
| Lima | $135 | Geico | $90 |
| Fairborn | $135 | Geico | $82 |
| Westlake | $139 | Erie | $106 |
| Stow | $138 | Geico | $100 |
| Massillon | $139 | Geico | $96 |
| North Olmsted | $137 | Erie | $106 |
| North Royalton | $135 | Erie | $106 |
| Bowling Green | $127 | Geico | $86 |
| Garfield Heights | $159 | Geico | $119 |
| Shaker Heights | $167 | Erie | $125 |
| Marysville | $133 | Geico | $94 |
| Kent | $139 | Erie | $101 |
Best car insurance in Ohio: Erie
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Full coverage rate$113/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processBestClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingAAn A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
ValuePenguin Senior Writer, Lindsay Bishop, chose the best car insurance companies in Ohio based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Ohio
- Optional coverage add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap auto insurance in OH after a speeding ticket: Erie
Erie has the best auto insurance in Ohio for drivers with a recent speeding ticket. At $122 per month, full coverage from Erie is one-third cheaper than the Ohio state average.
Low-cost insurance in Ohio after a ticket
Company | Monthly rate |
|---|---|
| Erie | $122 |
| Geico | $130 |
| Auto-Owners | $136 |
| Progressive | $172 |
| USAA* | $106 |
*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 $148 to $182 per month. That's a 23% increase.
Cheap Ohio car insurance rates after an accident: Geico
- Geico has the cheapest auto insurance quotes in Ohio after an at-fault accident, at $152 per month for full coverage. That's one-third cheaper than the average cost of insurance in Ohio after a crash.
- You should also compare rates from Erie after a crash. It's only $15 per month more than Geico, and its outstanding customer service could come in handy if you're in another accident in the future.
Cheapest insurance in Ohio after a crash
Company | Monthly rate |
|---|---|
| Geico | $152 |
| Erie | $167 |
| Auto-Owners | $190 |
| Progressive | $203 |
| USAA* | $122 |
*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 an average of 51% after a single accident. That's an increase of $76 per month for full coverage, on average.
- 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.
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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.
Cheapest auto insurance in OH for teens: Erie and Geico
- Minimum liability: Erie has the cheapest liability-only car insurance in Ohio for young drivers. At $76 per month, a minimum liability policy from Erie is less than half the state average of $170 per month.
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Full coverage: Geico has the most affordable full coverage, at $221 per month for an 18-year-old driver.
Ohio teens should also compare full coverage quotes from Erie. Its reputation for excellent customer service makes it a great choice for young drivers, who are more likely to have accidents.
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 |
| USAA* | $82 | $219 |
*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.
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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 insurance in Ohio for teens with bad driving records: Erie
Erie has the most affordable rates for young Ohio drivers with a speeding ticket or accident on their record.
- Speeding: A minimum liability policy from Erie costs $89 per month for an 18-year-old driver with a speeding ticket. That's less than half the average price in Ohio.
- Accident: After an accident, a minimum liability policy from Erie costs $108 per month, also less than half the state average.
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 |
| USAA* | $136 | $146 |
*USAA is only available to current and former military members and their families.
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: Geico
Geico has the cheapest car insurance rates for Ohio drivers after a DUI. A full coverage policy from Geico costs $151 per month, which is $117 per month cheaper than average.
Cheapest auto insurance in Ohio after a DUI
Company | Monthly rate |
|---|---|
| Geico | $151 |
| Progressive | $165 |
| Erie | $211 |
| Auto-Owners | $257 |
| USAA* | $158 |
*USAA is only available to current and former military members and their families.
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 one-time fee 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. Full coverage from Geico costs $162 per month for a driver with poor credit. That's one-third less than the Ohio state average and $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 |
| USAA* | $147 |
*USAA is only available to current and former military members and their families.
Drivers in Ohio with poor credit pay an average of $258 per month for full coverage. That's $110 more expensive per month than the average cost of insurance for drivers with good credit scores.
Your credit score doesn't affect your driving ability, but it impacts your car insurance rates in Ohio. That's because insurance companies believe drivers with poor credit are more likely to make insurance claims.
Is your car insurance company raising rates in Ohio in 2026?
A few major insurance companies have had minor rate increases in Ohio in 2026. But many more have actually lowered their rates across the state.
- ↑ Biggest increase: Grange at +1.3%
- ↓ Biggest decrease: State Farm at -4.2%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| State Farm | ↓ 4.2% | ↑ 37.8% |
| Erie | ↓ 3.8% | ↑ 84.0% |
| Farmers | ↓ 2.0% | ↑ 52.8% |
| Nationwide | ↓ 1.9% | ↑ 41.4% |
| Auto-Owners | ↓ 1.5% | ↑ 26.6% |
| Geico | ↓ 1.5% | ↑ 64.2% |
| Allstate | ↓ 0.6% | ↑ 28.5% |
| USAA | 0.0% | ↑ 36.6% |
| Travelers | 0.0% | ↑ 30.3% |
| Progressive | ↑ 0.1% | ↑ 42.6% |
| American Family | ↑ 0.2% | ↑ 58.7% |
| AAA | ↑ 0.7% | ↑ 0.7% |
| Liberty Mutual | ↑ 0.9% | ↑ 50.6% |
| Grange | ↑ 1.3% | ↑ 42.9% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
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
Ohio takes car insurance seriously. If you’re caught driving while uninsured, the state may suspend your driving privileges, charge fees to reinstate them and even impound or sell your car.
The Ohio Bureau of Motor Vehicles (BMV) could find out you're driving without insurance in a few ways:
- You get pulled over for a traffic violation and cannot provide proof of insurance when a police officer asks.
- You can't provide proof in court when you appear for a ticket or accident.
- The state's electronic database flags you as not having insurance.
In any case, the state will send you a notice.
If you have auto insurance but forgot to bring proof of coverage with you, you may be able to get the citation dismissed. Send proof of insurance when you pay the fine, or bring the proof to traffic court. If you don't respond to the notice, the state may temporarily take away your driving privileges.
First offense
- Fines: $50 fine if you fail to surrender your driver's license, plates or registration, plus additional fines or penalties imposed by a court of law
- Driving privileges: Driver's license suspended until all requirements met
- Fees: $100 reinstatement fee for vehicle registration and license plates
- SR-22 requirement: Carry SR-22 insurance for three years
- Suspension violation: Vehicle and license plates confiscated for 30 days
Second offense
- Fines: $50 fine if you fail to surrender your driver's license, plates or registration, plus additional fines or penalties imposed by a court of law
- Driving privileges: Driver's license suspended for a full year. Limited driving privileges may be granted after 15 days.
- Fees: $300 reinstatement fee for vehicle registration and license plates
- SR-22 requirement: Carry SR-22 insurance for five years
- Suspension violation: Vehicle and license plates confiscated for 60 days
Third and subsequent offenses
- Fines: $50 fine if you fail to surrender your driver's license, plates or registration, plus additional fines or penalties imposed by a court of law
- Driving privileges: Driver's license suspended for two years. Limited driving privileges may be granted after 30 days.
- Fees: $600 reinstatement fee for vehicle registration and license plates
- SR-22 requirement: Carry SR-22 insurance for five years
- Suspension violation: Vehicle impounded and sold; five-year suspension on registering vehicles
Although the most recommended (and usually the easiest) way to satisfy your financial responsibility is with an insurance policy, there are several alternatives. When you complete the requirements for any of these options to the Ohio BMV's satisfaction, the department will issue you a certificate of financial responsibility. This will be your proof whenever you are asked to present or submit one. A few of the alternatives are:
Cash/bond deposit: When you deposit $30,000 in cash, government bonds or a cashier's check with the treasurer of the state, the BMV will issue you a certificate. This deposit will pay for any claim or judgment against you, as an insurer would if you had a minimum liability auto insurance policy. If you are depositing a cashier's check, make the check payable to "Treasurer, State of Ohio."
Real estate bond: You can file a real estate bond in the amount of $30,000 to guarantee your ability to pay. You just need to get it signed by two other individuals who own real estate in Ohio and have equity totaling at least $60,000. Note that this bond is only acceptable when it has been approved by a judge and recorded by a court clerk.
Surety bond: Another form of bond guarantee, a surety bond issued by a licensed surety company can also be acceptable evidence of financial responsibility. The surety company acts as your guarantor, which will take over the payments in the event of any judgment against you and then later collect the payments from you.
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?
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 for a full coverage policy include 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.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Ohio Department of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
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.
