Key Takeaways
- Ohio drivers can find the cheapest rates from Nationwide, Erie, Auto-Owners, Geico and USAA.
- The average cost of car insurance in Ohio is $1,660 per year or $138 per month for a full-coverage policy, while minimum coverage costs $511 per year or $43 per month.
- The best way to get cheap insurance in Ohio is to shop around and compare car insurance quotes.
We at the MarketWatch Guides team took an in-depth look at the providers that offer the best car insurance and the cheapest car insurance in the Buckeye State. We compared rates, coverage, ratings and reviews. This article will explain our top insurance recommendations in Ohio, cost estimates for different driver profiles and Ohio insurance laws and regulations.
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Cheapest Car Insurance in Ohio
If you’re shopping around for car insurance in Ohio, you’ll have access to some of the lowest rates in the nation. That’s because, according to Quadrant Information Services, the Buckeye State is one of the cheapest states for car insurance.
The sections below will look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.
Cheapest Ohio Car Insurance Companies
The cheapest car insurance companies in Ohio are Nationwide, Erie Insurance, Geico, Auto-Owners and USAA. Below are the overall and cost ratings for each of these providers.
| Cheap Ohio Car Insurance Companies | Overall Rating | Cost Rating | Number of Discounts Offered | Learn More |
|---|---|---|---|---|
NationwideLearn More | 9.2 | 9.3 | 12 | Learn More |
ErieLearn More | 9.2 | 9.6 | 11 | Learn More |
GeicoLearn More | 9.3 | 9.5 | 12 | Learn More |
Auto-OwnersLearn More | 8.8 | 9.3 | 12 | Learn More |
USAALearn More | 9.3 | 9.8 | 13 | Learn More |
| Cheap Ohio Car Insurance Companies | Overall Rating | Cost Rating | Number of Discounts Offered | Learn More |
|---|---|---|---|---|
NationwideLearn More | 9.2 | 9.3 | 12 | Learn More |
ErieLearn More | 9.2 | 9.6 | 11 | Learn More |
GeicoLearn More | 9.3 | 9.5 | 12 | Learn More |
Auto-OwnersLearn More | 8.8 | 9.3 | 12 | Learn More |
USAALearn More | 9.3 | 9.8 | 13 | Learn More |
Since car insurance companies have different calculation methods for premiums, no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Ohio.
Cheapest Ohio Car Insurance Coverage
When you shop for car insurance, the coverage level you choose will have a major impact on your rates. Most quotes from providers include estimates for minimum-liability and full-coverage car insurance, allowing you to explore your options. While minimum liability is all that is required in the state, it’s a good idea for drivers to consider full-coverage auto insurance.
Below are the cheapest auto insurance options in Ohio for both coverage types.
Cheapest Liability Car Insurance in Ohio
On average, USAA tends to offer the cheapest liability car insurance in Ohio at $24 per month or $286 per year. Erie, Nationwide and Travelers are also affordable options. Below are 12 popular Ohio car insurance companies ranked by minimum coverage cost.
| Cheapest Liability Car Insurance in Ohio | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| USAA | $24 | $286 |
| Erie Insurance | $24 | $292 |
| Nationwide | $31 | $366 |
| Travelers | $33 | $396 |
| Auto-Owners Insurance | $34 | $408 |
| Westfield | $36 | $434 |
| Cincinnati Financial | $42 | $509 |
| Grange Insurance | $45 | $542 |
| Geico | $49 | $589 |
| Progressive | $49 | $593 |
| Allstate | $70 | $834 |
| Farmers | $74 | $886 |
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Ohio Liability Car Insurance Defined
In Ohio, you are required to purchase standard liability coverage, which includes a combination of property damage and bodily injury liability insurance. This type of insurance covers damage you may cause to the property or vehicle of another party. It does not cover you or your passengers.
Cheapest Full-Coverage Insurance in Ohio
Based on our research, Nationwide provides the cheapest full-coverage insurance in Ohio at $72 per month or $860 per year. Ohio motorists can also find cheap coverage from USAA, Erie and Travelers.
| Cheapest Full-Coverage Insurance in Ohio | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $72 | $860 |
| USAA | $101 | $1,211 |
| Erie Insurance | $107 | $1,282 |
| Travelers | $115 | $1,382 |
| Geico | $122 | $1,467 |
| Progressive | $129 | $1,551 |
| Auto-Owners Insurance | $139 | $1,665 |
| Cincinnati Financial | $149 | $1,788 |
| Grange Insurance | $160 | $1,919 |
| Westfield | $178 | $2,132 |
| Farmers | $185 | $2,224 |
| Allstate | $204 | $2,443 |
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Ohio Full-Coverage Insurance Defined
As in any other state, a full-coverage car insurance policy in Ohio includes a combination of liability, comprehensive and collision coverage to protect you and your passengers in an accident. This type of coverage also covers your vehicle if it’s damaged in a natural disaster or by theft or vandalism. Optional coverages include uninsured/underinsured motorist, medical payments and personal injury protection.
- Liability insurance: Compensates other people when you cause an accident
- Collision insurance: Repairs or replaces your car after an accident
- Comprehensive insurance: Covers your car for vandalism, theft, environmental damage and more
- Uninsured/underinsured motorist: Covers your medical and repair bills if someone without enough coverage causes an accident
- Medical payments: Covers your medical bills after an accident up to a limit
- Personal injury protection: Covers your medical bills, lost wages and death benefits
Cheapest Car Insurance Quotes in Ohio
Age, driving history and credit score can have a significant impact on the cost of car insurance in the state. Below we compare cheap car insurance estimates for Ohio drivers based on these categories.
Cheapest Car Insurance in Ohio for Young Drivers
Teen drivers lack driving experience, which is why they pay hundredsor even thousands of dollars more for car insurance than older adults. The tables below show the cheapest car insurance for young drivers in Ohio, along with estimated monthly and annual costs.
Cheapest Ohio Car Insurance for 16-Year-Olds
Teen drivers in Ohio can expect to pay higher car insurance rates than other age groups. According to our cost estimates, 16-year-old drivers can find affordable full-coverage car insurance through Erie for $1,693 per year or $141 per month. The average rate estimate for 16-year-old drivers in the state is $4,732 per year or $394 per month.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Erie Insurance | $141 | $1,693 |
| Nationwide | $256 | $3,069 |
| Geico | $325 | $3,896 |
| Cincinnati Financial | $381 | $4,570 |
| Auto-Owners Insurance | $388 | $4,651 |
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Our team also found Erie offers the cheapest minimum coverage for 16-year-olds at $382 per year and $32 per month. The Ohio average is $2,059 per year or $172 per month for minimum coverage.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $32 | $384 |
| Nationwide | $116 | $1,398 |
| Auto-Owners Insurance | $134 | $1,610 |
| Travelers | $141 | $1,691 |
| Geico | $141 | $1,692 |
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Cheapest Ohio Car Insurance for 17-Year-Olds
We found that Nationwide offers the cheapest full-coverage car insurance rates on average for 17-year-old Ohio drivers, costing $3,069 per year or $256 per month. The average rate estimate for a 17-year-old driver in the Buckeye State is $4,699 per year or $392 per month.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $256 | $3,069 |
| Geico | $264 | $3,164 |
| Cincinnati Financial | $373 | $4,474 |
| Auto-Owners Insurance | $381 | $4,572 |
| Travelers | $384 | $4,613 |
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Erie offers the cheapest minimum-coverage rates of $1,091 per year or $91 per month. The average cost for 17-year-olds is $1,759 per year or $147 per month.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $91 | $1,091 |
| Geico | $112 | $1,341 |
| Travelers | $114 | $1,363 |
| Nationwide | $116 | $1,398 |
| Westfield | $128 | $1,538 |
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Cheapest Ohio Car Insurance for 18-Year-Olds
Based on our research, Geico tends to be one of the cheapest full-coverage car insurance companies for 18-year-old Ohio drivers. Motorists typically pay an average of $2,846 per year or $237 per month for a full-coverage policy with the company. The average rate estimate for 18-year-old Ohio drivers is $4,357 per year or $363 per month.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Geico | $237 | $2,846 |
| Nationwide | $256 | $3,069 |
| Travelers | $298 | $3,576 |
| Erie Insurance | $352 | $4,219 |
| Auto-Owners Insurance | $358 | $4,301 |
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Looking at minimum coverage, Erie is the cheapest option at $967 per year or $81 per month. The state average is $1,462 per year or $122 per month.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $81 | $967 |
| Travelers | $85 | $1,018 |
| Geico | $98 | $1,170 |
| Westfield | $104 | $1,244 |
| Auto-Owners Insurance | $114 | $1,362 |
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Cheapest Ohio Car Insurance for 19-Year-Olds
Geico offers the cheapest full-coverage rates for 19-year-old drivers in Ohio, with an average rate of $2,474 per year or $206 per month. This is much cheaper than the state average of $3,673 per year or $306 per month for drivers this age.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Geico | $206 | $2,474 |
| Nationwide | $217 | $2,598 |
| Travelers | $240 | $2,883 |
| Progressive | $310 | $3,722 |
| Erie Insurance | $323 | $3,880 |
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We found Travelers to be the cheapest minimum-coverage option in this case with rates of $804 per year or $67 per month. The state average is $1,175 per year or $98 per month.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Travelers | $67 | $804 |
| Erie Insurance | $74 | $889 |
| Geico | $83 | $998 |
| Westfield | $86 | $1,026 |
| Progressive | $97 | $1,166 |
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Cheapest Ohio Car Insurance for 21-Year-Olds
Drivers in their early 20s can expect to pay lower rates for a car insurance policy than teenagers. For 21-year-old Ohio drivers, Nationwide offers cheap auto insurance coverage, costing $1,390 per year or $116 per month. The average full-coverage rate estimate for 21-year-old drivers is $2,837 per year or $236 per month.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $116 | $1,390 |
| Geico | $156 | $1,873 |
| Travelers | $179 | $2,153 |
| Progressive | $220 | $2,640 |
| Erie Insurance | $250 | $2,999 |
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Travelers is the cheapest option for 21-year-olds seeking minimum coverage. It offers rates at $582 per year or $48 per month compared to the state average of $863 per year or $72 per month.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Travelers | $48 | $582 |
| Nationwide | $52 | $630 |
| Erie Insurance | $57 | $685 |
| Westfield | $62 | $742 |
| Geico | $62 | $749 |
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Cheapest Ohio Car Insurance for 25-Year-Olds
On average, Nationwide provides affordable full-coverage car insurance rates for 25-year-old Ohio drivers at $965 per year or $80 per month. The average rate estimate for 25-year-old drivers is $1,963 per year or $164 per month.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $80 | $965 |
| Travelers | $123 | $1,473 |
| Geico | $130 | $1,559 |
| Erie Insurance | $133 | $1,601 |
| Progressive | $150 | $1,795 |
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Erie is the cheapest option for 25-year-olds with minimum coverage policies. Erie’s rates of $363 per year or $30 per month are much cheaper than the state average of $571 per year or $48 per month.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $30 | $363 |
| Travelers | $34 | $405 |
| Nationwide | $35 | $423 |
| Westfield | $41 | $488 |
| Grange Insurance | $49 | $591 |
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Cheapest Auto Insurance in Ohio for Adult Drivers
As in most other states, drivers tend to see a significant drop in how much they pay for car insurance as they get older. Rates usually begin lowering for drivers in their mid-30s and may begin to rise again for drivers in their late 60s and early 70s.
Cheapest Ohio Car Insurance for 35-Year-Old Drivers
In Ohio, we found that Nationwide offers the cheapest full-coverage rates for 35-year-old drivers, costing an average of $860 per year or $72 per month. The average rate estimate for 35-year-old drivers is $1,660 per year or $138 per month.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $72 | $860 |
| Erie Insurance | $107 | $1,282 |
| Travelers | $115 | $1,382 |
| Geico | $122 | $1,467 |
| Progressive | $129 | $1,551 |
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Erie offers the cheapest minimum-coverage rates of $292 per year or $24 per month. The state average is $511 per year or $43 per month for the age group.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $24 | $292 |
| Nationwide | $31 | $366 |
| Travelers | $33 | $396 |
| Auto-Owners Insurance | $34 | $408 |
| Westfield | $36 | $434 |
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Cheap Car Insurance in Ohio for 45-Year-Old Drivers
According to our research, the cheapest full-coverage insurance for 45-year-old drivers comes from Nationwide. It offers rates of $801 per year or $67 per month. These are well below the state average of $1,551 per year or $129 per month.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $67 | $801 |
| Travelers | $99 | $1,188 |
| Erie Insurance | $101 | $1,211 |
| Geico | $120 | $1,440 |
| Progressive | $122 | $1,464 |
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Drivers who are 45 can find cheap minimum-coverage rates from Erie. The company offers rates at $273 per year or $23 per month, while the state average is $478 per year or $40 per month.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $23 | $273 |
| Travelers | $29 | $351 |
| Nationwide | $29 | $352 |
| Auto-Owners Insurance | $33 | $394 |
| Westfield | $34 | $402 |
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Cheap Car Insurance in Ohio for 55-Year-Old Drivers
On average, 55-year-old drivers in Ohio can find affordable car insurance coverage through Nationwide, costing around $733 per year or $61 per month for a full-coverage policy. The average rate estimate for 50-year-old drivers is $1,442 per year or $120 per month.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $61 | $733 |
| Travelers | $91 | $1,096 |
| Erie Insurance | $96 | $1,147 |
| Progressive | $108 | $1,295 |
| Geico | $113 | $1,358 |
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Erie is the cheapest minimum-coverage option with rates of $258 per year or $22 per month. The state average for 55-year-olds is $447 per year or $37 per month.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $22 | $258 |
| Nationwide | $26 | $318 |
| Travelers | $28 | $337 |
| Auto-Owners Insurance | $31 | $370 |
| Westfield | $34 | $404 |
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Cheap Car Insurance in Ohio for 65-Year-Old Drivers
Our research shows that the average full-coverage rate estimate for 65-year-old Ohio drivers is $1,478 per year or $123 per month. However, drivers are likely to find coverage far below the average rate estimate with companies like Nationwide, which average around $763 per year or $64 per month for a full-coverage policy.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $64 | $763 |
| Travelers | $97 | $1,161 |
| Erie Insurance | $102 | $1,227 |
| Progressive | $111 | $1,329 |
| Geico | $118 | $1,421 |
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Once again, Erie is the cheapest option for minimum coverage with rates of $277 per year or $23 per month. On average, 65-year-olds pay $477 per year or $40 per month for minimum coverage in Ohio.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $23 | $277 |
| Nationwide | $28 | $342 |
| Travelers | $32 | $380 |
| Auto-Owners Insurance | $34 | $408 |
| Westfield | $38 | $458 |
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Cheap Car Insurance in Ohio for 75-Year-Old Drivers
On average, Nationwide offers the most affordable full coverage for 75-year-old drivers in Ohio, costing an average of $947 per year or $79 per month. The average rate estimate for 75-year-old drivers is $1,822 per year or $152 per month.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $79 | $947 |
| Travelers | $116 | $1,391 |
| Erie Insurance | $128 | $1,539 |
| Geico | $132 | $1,585 |
| Progressive | $142 | $1,704 |
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For 75-year-olds wanting minimum coverage, Erie is the cheapest option with rates of $349 per year or $29 per month. The state average is $616 per year or $51 per month.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $29 | $349 |
| Nationwide | $36 | $437 |
| Travelers | $38 | $455 |
| Auto-Owners Insurance | $47 | $569 |
| Westfield | $49 | $587 |
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Cheapest Ohio Car Insurance for High-Risk Drivers
Age is not the only factor that heavily impacts car insurance costs. Your driving history and credit score will also influence your annual rate for car insurance. The sections below provide the average cost of car insurance premiums for several different driving situations.
Cheapest Ohio Car Insurance for Drivers With a Speeding Ticket
A speeding ticket on your driving record will cause your auto insurance rates to go up. On average, Ohio drivers with a recent speeding ticket pay around $2,143 per year for full-coverage insurance. We found Nationwide to be the cheapest option in this case.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $93 | $1,119 |
| Erie Insurance | $116 | $1,389 |
| USAA | $128 | $1,530 |
| Travelers | $150 | $1,806 |
| Geico | $166 | $1,989 |
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Drivers with tickets pay about $653 per year in Ohio for minimum coverage on average. Erie, USAA and Travelers are the cheapest companies in this case.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $27 | $325 |
| USAA | $30 | $363 |
| Travelers | $40 | $480 |
| Nationwide | $40 | $481 |
| Westfield | $43 | $519 |
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Cheapest Ohio Car Insurance for Drivers With a Recent Accident
If you have a recent at-fault accident on your record, you’ll have to pay more for coverage. On average, Ohio drivers with a recent accident pay around $2,513 per year for full-coverage auto insurance. We found Nationwide offers the cheapest full-coverage rates in this scenario.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $118 | $1,410 |
| Erie Insurance | $131 | $1,575 |
| USAA | $150 | $1,805 |
| Travelers | $163 | $1,954 |
| Geico | $184 | $2,213 |
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Looking at minimum coverage, Erie offers the cheapest rates in Ohio for drivers with an accident on their records. The state average is $789 per year.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| Erie Insurance | $32 | $381 |
| USAA | $37 | $444 |
| Travelers | $44 | $524 |
| Nationwide | $51 | $609 |
| Auto-Owners Insurance | $53 | $636 |
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Cheapest Ohio Car Insurance for Drivers With a DUI
A DUI on your driving record is considered a major risk factor. Therefore, if you’ve been charged with one, you’ll see a big increase in your premiums. On average, Ohio drivers with a DUI pay around $2,841 per year for full-coverage car insurance. Nationwide offers the cheapest coverage here.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $147 | $1,763 |
| USAA | $152 | $1,829 |
| Travelers | $169 | $2,027 |
| Erie Insurance | $170 | $2,041 |
| Progressive | $171 | $2,052 |
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USAA offers the cheapest minimum coverage at $449 per year while the state average is $894 for drivers with a DUI.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| USAA | $37 | $449 |
| Erie Insurance | $44 | $522 |
| Travelers | $46 | $556 |
| Progressive | $60 | $720 |
| Nationwide | $64 | $764 |
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Cheapest Ohio Car Insurance for Drivers With Poor Credit
The Buckeye State is one of many in which insurers are legally allowed to use your credit score to determine your insurance rates. Drivers with poor credit pay substantially more for coverage than those with good credit. On average, Ohio drivers with poor credit scores pay around $2,877 per year for full-coverage insurance. Nationwide, USAA and Travelers are the cheapest options for this situation.
| Cheapest Full-Coverage Insurance | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
| Nationwide | $102 | $1,220 |
| USAA | $179 | $2,142 |
| Travelers | $185 | $2,216 |
| Geico | $193 | $2,313 |
| Progressive | $213 | $2,560 |
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Drivers in Ohio with poor credit pay about $811 per year for minimum coverage. USAA, Nationwide and Erie are the cheapest options here.
| Cheapest Minimum-Coverage Insurance | Estimated Minimum-Coverage Monthly Cost | Estimated Minimum-Coverage Annual Cost |
| USAA | $38 | $456 |
| Nationwide | $41 | $488 |
| Erie Insurance | $49 | $594 |
| Travelers | $51 | $606 |
| Progressive | $70 | $843 |
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Car Insurance Deals in Ohio
Our research shows that auto insurance costs in Ohio are typically cheaper than the national average. Even so, Ohio drivers should still take advantage of car insurance discounts they qualify for.
See the table below for a comparison of some of the car insurance discounts offered by the top providers in the state, which we’ll take a closer look at in the next sections.
| Ohio Car Insurance Discounts | Geico | Nationwide | Erie Insurance | Progressive |
| Multi-policy | ✔ | ✔ | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ | ✔ | |
| Safe driver | ✔ | ✔ | ✔ | ✔ |
| Student | ✔ | ✔ | ✔ | |
| Defensive driving | ✔ | ✔ | ||
| Driver training | ✔ | ✔ | ||
| Safety equipment | ✔ | ✔ | ||
| Military | ✔ | |||
| Anti-theft | ✔ | ✔ | ||
| Automatic payments | ✔ | ✔ | ✔ | |
| Paperless | ✔ | ✔ |
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Car Insurance Discounts in Ohio
The best way to find discounts and deals you may qualify for is to shop around for car insurance quotes. Pay attention to the coverages offered by each provider in addition to the discounts available to you. If you’re not looking to switch policies anytime soon, speak with your current insurance agent to see if there are any discounts you’re missing out on.
Best Cheap Car Insurance in Ohio
For those who would like to know about the cheapest auto insurance providers in the Buckeye State, the sections below contain more detailed information.
#1 Nationwide: Best for Usage-Based Insurance
9.2/10
Overview
Nationwide can be an affordable option for Ohio drivers with poor credit scores. Motorists can take advantage of the company’s usage-based insurance plan, SmartMiles®. This pay-per-mile insurance program allows drivers to receive a low base rate and then pay a set rate per mile, also making it a good option for those who work from home or drive infrequently.
Nationwide offers the sixtypes of standard coverage in addition to add-ons such as accident forgiveness and gap insurance. It also offers the cheapest rates for drivers with a recent speeding ticket or accident, so it’s a great choice all-around for high-risk drivers.
Keep reading: Nationwide Insurance Review
Industry Standing
J.D. Power claims satisfaction rating: 875/1,000
AM Best financial strength score: A
BBB rating: A+
Pros and Cons
Pros Best average full-coverage rates for Ohio drivers with a recent accident on their record Great rates for high-risk drivers Cheapest full-coverage for Ohio motorists with bad credit Cons Below-average J.D. Power claims satisfaction rating
#2 Erie: Best for Basic Insurance Coverage
9.2/10
Overview
Erie Insurance is a regional provider that we’ve named Best for Basic Insurance Coverage, as it provides some of the lowest average costs for a minimum-coverage plan in Ohio. The insurer offers all standard coverage options for car insurance in the Buckeye State, along with a broad range of potential extras.
Drivers can also add Erie Auto Plus®to their auto policies to receive benefits such as a diminishing deductible, a $10,000 death benefit and increased limits for specific coverages.
Keep reading: Erie Insurance Reviews
Industry Standing
J.D. Power claims satisfaction rating: 902/1,000
AM Best financial strength score: A+
BBB rating: A+
Pros and Cons
Pros Second place in the J.D. Power Auto Claims Satisfaction Study℠ Cheap coverage for young Ohio drivers Safe driving app available Cons No traditional usage-based insurance
#3 Geico: Best for Budget-Conscious Drivers
9.3/10
Overview
Geicois a smart choice for cheap auto insurance in Ohio, as we named it Best for Budget-Conscious drivers. It offers excellent rates for young teen drivers in the state.
Besides standard coverage, Geico offers emergency road service, rental reimbursem*nt and mechanical breakdown coverage. Ohio drivers can also participate in Geico’s usage-based insurance program, DriveEasy. Policyholders who participate in the program and demonstrate safe driving habits can earn a discount on their insurance premiums.
Keep reading: Geico Insurance Review
Industry Standing
J.D. Power claims satisfaction rating: 871/1,000
AM Best financial strength score: A++
BBB rating: A+
Pros and Cons
Pros Low rates for teen drivers in Ohio Offers mechanical breakdown insurance Offers a usage-based insurance program Cons Subpar rating in the J.D. Power 2024 U.S. Insurance Shopping Study℠
#4 Auto-Owners Insurance: Best for Young Drivers
8.8/10
Overview
Auto-Owners Insurance also makes our list of the best providers for car insurance in Ohio. The company offers affordable rates across the state, especially for young drivers. It also offers a good amount of coverage options including accident forgiveness, gap insurance, roadside assistance and more.
Keep reading:Auto-Owners Insurance review
Industry Standing
J.D. Power claims satisfaction rating: 888/1,000
AM Best financial strength score: A++
BBB rating: A+
Pros and Cons
Pros Good rates for young Ohio motorists Offers a decent amount of coverage options and discounts High ratings from AM Best and the BBB Cons Not available in every state
#5 USAA: Best for Military Members
9.3/10
Overview
USAA is one of the best options if you or your close family members have a military background. The company is frequently the cheapest option for different types of drivers in Ohio. It also has great customer service ratings across multiple J.D. Power surveys and offers some useful coverage options. For example, you can get car replacement assistance, which covers 20% more than your vehicle is worth in the case of a total loss.
Keep reading: USAA Insurance Review
Industry Standing
J.D. Power claims satisfaction rating: 900/1,000
AM Best financial strength score: A++
BBB rating: A+
Pros and Cons
Pros Cheapest option for military members on average High ratings on multiple J.D. Power studies Drivers can save up to 30% with SafePilot app Cons Not available to everyone
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Average Car Insurance Costs in Ohio
Ohio drivers typically pay $1,660 per year or $138 per month for full-coverage car insurance, which is about 38% cheaper than the national average of $2,681 per year. This cost estimate is based on a single 35-year-old driver with a clean driving record and a good credit score.
The average cost of minimum coverage car insurance in Ohio is $511 per year or $43 per month, making it 41% less expensive than the national average of $869 per year.
Ohio Car Insurance Costs by Age
Younger drivers typically pay much higher rates for car insurance in Ohio than middle-aged drivers. Based on our research, 16-year-old drivers pay an average of $4,732 per year or $394 per month for full-coverage car insurance, while auto insurance for a 35-year-old typically costs $1,660 per year or $138 per month.
| Age | Average Full-Coverage Annual Cost | Average Minimum-Coverage Annual Cost |
| 16 | $4,732 | $2,059 |
| 17 | $4,699 | $1,759 |
| 18 | $4,357 | $1,462 |
| 19 | $3,673 | $1,175 |
| 21 | $2,837 | $863 |
| 25 | $1,963 | $571 |
| 35 | $1,660 | $511 |
| 45 | $1,551 | $478 |
| 55 | $1,442 | $447 |
| 65 | $1,478 | $477 |
| 75 | $1,822 | $616 |
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Ohio Auto Insurance Costs by City
Auto insurance rates vary throughout the state of Ohio. That’s because ZIP codes have different population sizes and other risk factors. Ohio drivers in urban centers tend to pay more than those in rural parts of the state. This table shows some sample estimates for different cities in Ohio.
| City in Ohio | Estimated Monthly Cost | Estimated Annual Cost |
| Brunswick | $119 | $1,426 |
| Cleveland | $153 | $1,833 |
| Columbus | $156 | $1,873 |
| Delaware | $132 | $1,589 |
| Elyria | $123 | $1,472 |
| Fairborn | $126 | $1,512 |
| Fairfield | $140 | $1,680 |
| Findlay | $116 | $1,392 |
| Gahanna | $147 | $1,769 |
| Grove City | $137 | $1,649 |
| Hamilton | $143 | $1,718 |
| Hilliard | $141 | $1,697 |
| Huber Heights | $132 | $1,581 |
| Lakewood | $138 | $1,656 |
| Lancaster | $138 | $1,650 |
| Marion | $129 | $1,546 |
| Mason | $133 | $1,601 |
| Mentor | $124 | $1,487 |
| Miamisburg | $131 | $1,568 |
| Newark | $141 | $1,686 |
| North Olmsted | $126 | $1,510 |
| Painesville | $124 | $1,486 |
| Parma | $128 | $1,533 |
| Perrysburg | $122 | $1,467 |
| Pickerington | $143 | $1,717 |
| Stow | $126 | $1,509 |
| Sylvania | $132 | $1,585 |
| Toledo | $150 | $1,797 |
| West Chester | $138 | $1,654 |
| Westlake | $127 | $1,520 |
| Wooster | $126 | $1,511 |
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Factors That Affect Ohio Car Insurance Rates
While car insurance in Ohio tends to be far cheaper than in other states, your premium will largely depend on your situation and vehicle.
Some factors that may influence how much you pay for auto insurance include:
- Your age, gender and marital status
- Your location
- Your vehicle
- Your credit score
- Your driving record
- Your chosen deductible amount
Ohio Car Insurance Requirements
State law requires that every driver carry a certain level of Ohio auto insurance coverage. The minimum coverage requirements include:
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability coverage: $25,000 per accident
These coverage limits protect other drivers, their passengers and their vehicles in accidents you cause. Ohio’s minimum state requirements for auto insurance don’t cover any costs you incur during an accident you cause.
Additional Ohio Car Insurance Coverage
If you want to be fully protected in an accident, consider carrying more than the state minimum requirements for car insurance in Ohio. Here are a few coverages to choose from:
- Comprehensive coverage
- Collision coverage
- Medical payments (MedPay)
- Uninsured motorist coverage/underinsured motorist coverage
Is it Illegal to Not Have Car Insurance in Ohio?
Ohio has strict laws about driving without car insurance. If you are caught driving without insurance, you’ll have to surrender your license until you meet coverage requirements for your first offense. On your second offense, you’ll lose your license for one year. You’ll lose your license for two years for a third offense.
You’ll also have to pay escalating reinstatement fees based on how many times you’ve broken Ohio insurance laws. The state can also require you to carry special high-risk insurance called SR-22 coverage for driving without insurance.
How To Get Car Insurance in Ohio
You’ll likely find good rates from companies such as Geico, Nationwide, Erie, Auto-Owners and Progressive. Each of these options provides solid coverage and standout customer service.
You can gather quotes online or reach out to a local agent with each of these companies. This way, you can compare prices and find the best coverage that suits your needs.
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Cheapest Auto Insurance in Ohio: The Bottom Line
All Ohio drivers are required to maintain at least liability car insurance coverage. Generally, it’s also smart to consider purchasing collision and comprehensive insurance to maintain full coverage. Rates for car insurance in the state of Ohio sit far below the national average.
While insurance rates in the state of Ohio are low compared to the national average, the providers covered in this article will offer you lower prices than most. We encourage you to reach out for quotes in your search for the cheapest car insurance in Ohio.
Cheapest Car Insurance in Ohio: FAQ
Below are frequently asked questions about the cheapest car insurance in Ohio.
Based on our rate estimates, Nationwide is the cheapest full-coverage car insurance provider in Ohio, costing an average of $860 per year or $72 per month. USAA tends to provide the cheapest liability car insurance in the Buckeye State at $286 per year or $24 per month.
Our research shows that most drivers pay $138 per month for full-coverage car insurance in Ohio. Minimum coverage costs about $43 per month.
Liability-only car insurance is the lowest form of car insurance available and is typically required in every state. It helps pay for any injuries sustained by other drivers and their passengers as well as any property damage that occurs. However, it does not cover you, your passengers or your vehicle.
In most cases, the cost of your car insurance will go down as your car gets older. That’s because the value of your car is one of the main factors companies use to determine your rates. As your car gets older, it loses value and therefore becomes cheaper to insure.
While younger drivers tend to pay higher rates for car insurance, those rates start to come back down at the age of 25. But it’s important to recognize that many other factors, such as driving history and credit score, also play a role in premium costs.
In Ohio, insurance follows the car. That means that a licensed driver who is not the owner of the car has the same coverage while driving a vehicle as the owner would.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at [email protected].
