Who Has the Cheapest Auto Insurance Quotes in Ohio? (2022)

Who Has the Cheapest Auto Insurance Quotes in Ohio? (2022)

State Farm has the best cheap car insurance in Ohio, at $299 per year and $25 per month for minimum liability coverage.

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The average cost of car insurance in Ohio is $481 per year, or $40 per month, for minimum liability.

Cheapest car insurance quotes in Ohio: State Farm

State Farm has the cheapest state minimum car insurance in Ohio. The company offers minimum coverage for $299 per year — $182 cheaper than the state average.

Cheapest car insurance companies in Ohio

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Company
Annual rate
Monthly rate
State Farm$299$25
Geico$402$33
Westfield$423$35
Erie$501$42
Nationwide$515$43
Progressive$535$45
Grange$572$48
Allstate$605$50

Although cheap quotes make minimum liability car insurance an appealing option, the low coverage limits could end up costing you more in the long run if you cause an accident.

A minimum coverage policy in Ohio only covers the other driver's injuries and property damage. It does not include protection for damage to your vehicle or injuries to you or your passengers.

The difference between the average cost of a full coverage policy and a minimum coverage policy in Ohio is $897 a year, or $75 a month. But it could be well worth the extra cost knowing you likely won't be paying out of pocket after an expensive car crash.

We recommend most drivers purchase a full coverage auto insurance policy rather than a minimum coverage policy.

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Cheapest full coverage car insurance in Ohio: State Farm

The most affordable auto insurance company for full coverage is State Farm with an annual rate of $786. Quotes from State Farm are 43% cheaper than the state average and $145 less per year than the next-cheapest insurer, Geico.

Company
Annual rate
Monthly rate
State Farm$786$66
Geico$931$78
Nationwide$1,345$112
Erie$1,384$115
Westfield$1,420$118
Progressive$1,545$129
Grange$1,760$147
Allstate$1,849$154

Full coverage car insurance quotes include bodily injury and property damage liability coverage, plus comprehensive and collision coverage. Drivers also have the option of adding medical payments coverage, which helps pay for injuries after an accident.

Cheap car insurance quotes for Ohio drivers with prior incidents

Drivers with incidents on their record — such as an at-fault accident or a DUI (driving under the influence) citation — pay higher insurance rates because insurance companies believe these drivers are more likely to make future claims. Your credit score also factors into your risk profile in most states, even though it has nothing to do with your ability to drive safely.

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Cheapest car insurance after a speeding ticket: State Farm

If you are an Ohio driver with a speeding ticket on your record, we recommend State Farm for full coverage insurance. Its annual rate is $859 — more than $700 cheaper than the state average.

Speeding tickets raise the average cost of auto insurance in Ohio from $1,378 to $1,574, an increase of about 14%.

Company
Annual rate
Monthly rate
State Farm$859$72
Geico$1,168$97
Erie$1,384$115
Westfield$1,420$118
Nationwide$1,684$140
Grange$1,814$151
Progressive$1,949$162
Allstate$2,316$193

Cheapest car insurance quotes after an accident: State Farm

State Farm also offers the cheapest auto insurance quotes for drivers in Ohio with an at-fault accident on their driving record. At $932 per year for a full coverage policy, its rate is 52% less than the state average and over $600 cheaper than the next-best option, Westfield. Allstate rates average $3,003, more than triple the cost of a policy with State Farm.

Company
Annual rate
Monthly rate
State Farm$932$78
Westfield$1,543$129
Geico$1,718$143
Erie$1,719$143
Nationwide$2,025$169
Progressive$2,297$191
Grange$2,412$201
Allstate$3,003$250

Just one accident on your driving record can result in substantially more expensive car insurance rates. In Ohio, rates increase by 42% after a single accident — $579 per year on average.

Cheapest Ohio car insurance after a DUI: Progressive

Progressive has the cheapest car insurance rates for Ohio drivers who have a DUI citation on their record. The company raises rates by 13% after a DUI at $1,753 per year for a full coverage policy. In comparison, we found that insurers in Ohio increase rates by 66% after a DUI, on average.

Company
Annual rate
Monthly rate
Progressive$1,753$146
State Farm$1,792$149
Geico$1,984$165
Erie$2,054$171
Grange$2,307$192
Allstate$2,570$214
Nationwide$2,610$218
Westfield$3,266$272

Cheapest car insurance for drivers with poor credit: Geico

Drivers with bad credit should consider Geico for affordable car insurance in Ohio. The average rate from Geico is $1,257 per year for a full coverage policy, which is $281 lower than the rate from next-cheapest insurer, State Farm, and $819 lower than the state average.

Company
Annual rate
Monthly rate
Geico$1,257$105
State Farm$1,538$128
Nationwide$1,686$140
Westfield$1,927$161
Grange$2,143$179
Progressive$2,373$198
Allstate$2,659$222
Erie$3,023$252

Your credit score does not affect your driving ability, but it does affect your car insurance rates in Ohio. Statistics show that drivers with poor credit are more likely to make an insurance claim, making them a higher risk for insurers. Full coverage auto insurance rates in Ohio average $2,076 per year for drivers with poor credit, which is $698 more expensive than insurance for drivers with average credit scores.

Cheapest car insurance quotes for married drivers: State Farm

State Farm has the best auto insurance rates for married couples in Ohio. Married drivers pay $786 annually, or $66 monthly, if they take out a full coverage policy from State Farm — 40% below the state average.

Company
Annual rate
Monthly rate
State Farm$786$66
Geico$904$75
Progressive$1,180$98
Nationwide$1,315$110
Erie$1,358$113
Westfield$1,420$118
Grange$1,760$147
Allstate$1,823$152

Tying the knot brings a number of financial benefits, including reduced auto insurance rates. Insurance companies offer cheaper quotes for married drivers because they're statistically less prone to get in car accidents.

In Ohio, we found that married drivers pay an average rate of $1,318 annually, which is 4% less per year than what unmarried drivers pay.

Many married couples can earn even lower rates through car insurance discounts like multicar and multipolicy discounts.

Cheapest car insurance quotes for young drivers in Ohio: State Farm

State Farm offers the best rates for young drivers in Ohio. Minimum coverage with State Farm costs $1,029 per year — 42% cheaper than the state average. State Farm also has the most affordable full coverage policy at $2,461 per year.

While Ohio is one of the most affordable states for auto insurance, young drivers still pay more for car insurance than adult drivers. In fact, we found that the average annual cost of a minimum coverage policy for an 18-year-old is nearly four times more expensive than the rate for a 30-year-old driver: $1,760 versus $481 per year.

Company
Liability only
Full coverage
State Farm$1,029$2,461
Geico$1,110$2,516
Erie$1,304$3,535
Allstate$1,657$4,022
Westfield$1,706$5,364
Grange$2,270$6,463
Nationwide$2,431$5,690
Progressive$2,575$6,999

We recommend a full coverage policy for teen drivers if they can afford it. Teens get into accidents more frequently than adult drivers, meaning they're more likely to benefit from having repairs on their car covered. A minimum coverage policy, though $2,871 cheaper, could ultimately cost more if a teen gets into a serious accident and has to pay for repairs completely out of pocket.

Good student and driver safety course discounts can help young drivers reduce their rates, as can staying on a parent's policy as long as possible.

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Cheapest car insurance for teen drivers after a ticket: State Farm

State Farm has the most affordable rates for young Ohio drivers with a speeding ticket on their record. Premiums cost $1,143 annually for minimum coverage, which is 40% cheaper than the state average.

Company
Annual rate
Monthly rate
State Farm$1,143$95
Geico$1,234$103
Erie$1,373$114
Westfield$1,706$142
Allstate$2,140$178
Grange$2,270$189
Nationwide$2,584$215
Progressive$2,702$225

Young drivers in Ohio can expect their rates to go up by 9% after a speeding ticket. However, the amount that your premium will increase varies by company. Allstate increases rates by 29% after a ticket — $483 per year and more than any other company in our study. On the other hand, Grange and Westfield do not raise rates for young drivers after a single speeding ticket.

Cheapest auto quotes for young drivers after an accident: State Farm

State Farm also has the best rates for young drivers who cause an accident — $1,257 per year for minimum coverage and $846 cheaper than the state average.

Company
Annual rate
Monthly rate
State Farm$1,257$105
Erie$1,515$126
Geico$1,602$133
Westfield$1,753$146
Allstate$2,311$193
Nationwide$2,652$221
Grange$2,838$237
Progressive$2,899$242

An at-fault accident will cause young drivers' quotes for minimum coverage to go up by 20%. Geico and Allstate raise rates the most after an at-fault accident — by 39% and 44%, respectively. Although drivers with Westfield only receive a 2% rate increase, its minimum coverage rate is still nearly $500 more expensive than State Farm's.

Best car insurance companies in Ohio

Erie is our pick for the best insurance company in Ohio based on its cheap rates, J.D. Power customer service scores and AM Best financial stability rating.

When you're comparing car insurance companies, choosing a company you can rely on is as important as finding the best rate.

Company
Editor's rating
J.D. Power
AM Best
Erie
857A+
State Farm
851A++
Geico
837A++
Nationwide
831A+
Grange
826A
Westfield
NRA
Progressive
842A+
Allstate
827A+

Our editor's rating is determined by analyzing each company's rates in relation to its competitors, the policy coverages it offers and customer satisfaction scores.

J.D. Power's Auto Claims Satisfaction Study is an annual nationwide survey that polls insurance customers about their experience filing claims with their insurer. Higher scores are better, and the best possible rating is 1,000.

AM Best's financial strength rating is a letter grade that describes the overall financial health of an insurance company and its ability to pay out claims. The best score available is A++. All of the companies we considered have a financial strength rating from AM Best of A or better, meaning they have an "Excellent" or "Superior" ability to pay out claims, even in difficult economic times.

Average car insurance cost by city

Findlay, Grover Hill and St. Marys are the cheapest cities in Ohio for full coverage car insurance, while St. Bernard, Youngstown and Cleveland are the most expensive.

Where you live can affect your car insurance rates as much as your driving habits. In Ohio, there's only a $542 difference in the average annual cost of full coverage car insurance between the most and least expensive cities.

City
Average annual cost
Percentage difference from average
Aberdeen$1,4022%
Ada$1,257-9%
Adamsville$1,3941%
Addyston$1,4707%
Adelphi$1,3911%
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Ohio auto insurance laws and regulations

Ohio requires drivers to purchase a minimum amount of car insurance to legally drive in the state. These minimum insurance limits pay for the other driver's damage and injuries:

Coverage
Ohio minimum required limits
Bodily injury (BI)$25,000 per person/$50,000 per accident
Property damage (PD)$25,000 per accident

Recap of the cheapest car insurance in Ohio

  • Minimum coverage: State Farm
  • Full coverage: State Farm
  • After a speeding ticket: State Farm
  • After an at-fault accident: State Farm
  • After a DUI: Progressive
  • Poor credit history: Geico
  • Married drivers: State Farm
  • Young drivers: State Farm
  • Young drivers after a ticket: State Farm
  • Young drivers after an accident: State Farm

Frequently asked questions

What's the average cost of car insurance in Ohio?

The average cost of car insurance in Ohio is $481 per year, or $40 per month, for minimum coverage. The average cost for full coverage auto insurance is $1,378 per year.

Which company has the cheapest car insurance in Ohio?

The cheapest car insurance in Ohio is from State Farm, with a minimum liability rate of $299 per year and a full coverage rate of $786 per year.

What are the best-rated insurance companies in Ohio?

Erie, State Farm and Geico are the three best car insurance companies in Ohio. They offer the best combination of cheap rates for most drivers and stellar customer support scores.

How much is car insurance in Columbus, Ohio?

The average cost of a full coverage policy in Columbus, Ohio's largest city, is $1,565 per year or $130 per month — 14% higher than the state average. Drivers in the second- and third-largest cities in the state pay higher rates in comparison. Cleveland has the highest car insurance cost at $1,717 per year, and Toledo drivers pay $1,586.

Is auto insurance cheaper in Ohio than in other states?

Auto insurance in Ohio is cheaper than in most other states. The average cost for a full coverage policy in Ohio is the eighth cheapest state average in the country, at $481 per year. Car insurance rates in Ohio increased by 0.65% from last year, which is close to the nationwide average increase of 0.64%.

What are the Ohio minimum insurance requirements?

Ohio requires drivers to carry a minimum of $25,000 per person and 50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage.

Methodology

We collected thousands of rates from ZIP codes across Ohio for the largest insurers in the state. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full coverage policy with the following limits:

Coverage
Limit
Bodily injury liability$50,000 per person/$100,000 per accident
Medical payments coverage$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For other rates analyses (credit score, incidents and marital status), the base policy listed above was altered to reflect the new driver.

For our minimum coverage policy, we received quotes for a policy with the minimum required limits in Ohio, above. We used minimum coverage limits for young driver quotes.

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.

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.