Car Insurance in Ohio
- Compare the cheapest car insurance quotes in OH with The Zebra
- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Here's what you need to know when driving in Ohio
Across the Buckeye State, there are 261,653 miles of road just waiting to be driven. The average cost of car insurance in Ohio is $1,028 per year — 33% less than the national average. Your car insurance premiums are impacted by more than just where you live. Underwriters generate auto insurance rates based on a number of factors, including age, driving history, marital status and credit score. The Zebra's experts analyzed average Ohio car insurance rates for each of the most common rating factors toget you prepped with free insurance quotes, then you take the wheel.
Read on to discover how much auto insurance costs in Ohio, or submit your ZIP code above to receive car insurance quotes personalized to your driving profile.
The best car insurance companies in Ohio
Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 870 (out of 1,000) in the J.D. Power 2021 U.S. Auto Insurance Study for the state of Ohio.
This regional carrier scored an 857 on J.D. Power's 2021 auto study.
State Farm receoved a score of 851 in J.D. Power's 2021 U.S. Auto Insurance Study, as well as an overall star rating of 4.5 in The Zebra's Customer Satisfaction Survey.
The cheapest car insurance companies in Ohio
Check out Ohio's cheapest carriers in a variety of scenarios.
The cheapest rates are from $1,187 on average
For the minimum required coverage in Ohio, USAA is cheapest on average.
If you have a DUI on your record, check out Travelers for the cheapest average rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Ohio auto insurance laws
Car insurance is mandatory in almost every state, and Ohio is no exception. For the legal minimum coverage level in Ohio, expect to pay about $366 per year. This is less than the national average by 38%. Have a look at the coverage levels required for all Ohio drivers as well as optional coverage types offered by most insurers.
State minimum coverage
In Ohio, state minimum coverage requirements include liability coverage amounts of:
- Bodily injury: $25,000 per person
- Bodily injury: $50,000 per accident
- Property damage $25,000 per accident
Optional coverage in Ohio (varies by carrier):
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
If you choose a higher level of car insurance coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by car-vs.-car crashes, theft, or weather incidents. It's worth noting that better auto insurance coverage comes at a cost: in Ohio, a comprehensive policy with a $1,000 deductible costs $880, 140% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 196% more than for a basic liability-only policy.
Ohio car insurance premiums by rating factor
As mentioned above, car insurance rates are based on many different factors. This can include your driving history, age, and your credit score. Explore average premium costs by rating factor below to get a ballpark idea of how much you should be paying for auto insurance in Ohio.
Cheap auto insurance in Ohio for minimum coverage
Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Ohio, the average cost for minimum coverage is $73 per month, or $880 yearly — a savings of $203 compared to full coverage.
Cheap auto insurance in Ohio with bad credit
Your credit history is closely aligned with your car insurance rates. Carriers see those with a poor credit score as being higher risk, meaning you'll likely pay a lot more for your policy. On average, Ohio drivers with poor credit pay 52% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.
Cheap auto insurance in Ohio with an at-fault accident
Your driving record is a big determinant of how much you pay for auto coverage. Insurance companies may see any previous at-fault accidents as a warning sign, meaning that you will be paying more for your policy. On average, an at-fault accident could cause your car insurance rates to rise by as much as $490 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a discount for good drivers. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Ohio
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Ohio's teen drivers are lucky, paying just $3,490 per year on average, roughly $1,961 less than the national average — but still three times as much as the average driver in Ohio.
Ohio auto insurance rate by violation
If you have a clean driving record in Ohio — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. If you receive a ticket, your car insurance rates will probably rise. By how much depends on the violation, your car insurance company's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,209||3%||$30|
|One comp claim||$1,250||6%||$71|
|Two Med/PIP claims||$1,254||6%||$75|
|Two comp claims||$1,285||9%||$106|
|Driving without lights||$1,314||11%||$135|
|Failure to show documents||$1,323||12%||$144|
|Failure to wear a seat belt||$1,330||13%||$151|
|Child safety restraint||$1,341||14%||$161|
|Driving with expired registration||$1,360||15%||$181|
|Speeding 6 - 10 MPH over limit||$1,410||20%||$231|
|Speeding in school zone||$1,410||20%||$231|
|Driving too slowly||$1,411||20%||$231|
|Speeding 11 - 15 MPH over limit||$1,412||20%||$233|
|Wrong way/wrong lane||$1,419||20%||$240|
|Following too closely||$1,419||20%||$240|
|Failure to yield||$1,419||20%||$240|
|Cell phone violation||$1,422||21%||$243|
|Texting while driving||$1,425||21%||$246|
|Failure to stop at a red light||$1,428||21%||$249|
|Speeding 16 - 20 MPH over limit||$1,435||22%||$256|
|Passing school bus||$1,468||24%||$289|
|At-fault accident - less than $1000||$1,481||26%||$302|
|Speeding 21 - 25 MPH over limit||$1,535||30%||$356|
|In 65 MPH zone||$1,621||38%||$442|
|Operating a vehicle without permission||$1,704||45%||$525|
|At-fault accident - $1000-$2000||$1,714||45%||$535|
|At-fault accident - greater than $2000||$1,729||47%||$550|
|Refusal to submit to a chemical test||$2,286||94%||$1,107|
|Driving with a suspended license||$2,293||95%||$1,114|
|Leaving scene of an accident/hit and run||$2,374||101%||$1,195|
Ohio DUI laws
In Ohio, a DUI violation can boost your annual car insurance cost by an average of $524. Finding affordable auto coverage after a DUI isn’t simple. In fact, a DUI conviction often causes a larger premium increase than any other road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Ohio
If you're convicted of a DUI or DWI violation in Ohio, it’s important to consider your insurance choices carefully. Car insurance premiums after a DUI can vary substantially from one carrier to another. For example, the least expensive car insurance company with a DUI in Ohio, Travelers, advertises annual rates 12% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Ohio is State Farm, while the priciest firm is Allsate, with prices 72% above average.
There is no car insurer in particular that offers inexpensive insurance after a DUI. The recommended way to save in the wake of a DUI citation is to shop around.
Ohio SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Ohio to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Ohio might be tricky, but some research could pay off in the end.
How to get an SR-22 in Ohio
An SR-22 is often required for drivers with serious violations on their driving record, most often related to drinking and driving offenses. The SR-22 is a form issued by your insurance company that must be filed with the state of Ohio as proof of continued insurance coverage. Below you'll find the steps to getting this coverage.
With an active insurance policy, requesting an SR-22 might be easy. Just call your insurance company request they file an SR-22 request on your behalf. If your current insurer declines to request a certificate, you should shop around for a new insurance company.
When filing for car insurance, you'll be billed extra to cover the cost of the SR-22 request form and your high-risk driving profile. An SR-22 requirement may disqualify you from buying insurance from some carriers, while others would be happy to sell you a policy.
For drivers who don’t own a vehicle
Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not having a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If this is the case, you should buy a non-owners car insurance policy before filing for an SR-22. A non-owners policy is typically less expensive than a standard policy since it won’t provide protection for physical damage sustained by your vehicle.
Compare car insurance rates from Ohio's best companies.
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Stony Prairie, Ohio, and the most expensive in Cleveland, Ohio.
Have a look at the table below to see average car insurance costs in some of Ohio's biggest cities.
Auto insurance pricing trends in Ohio
In Ohio, average annual auto insurance costs increased by $102 in the past year. A typical Ohio driver pays an average of $1,028 per year.
The year-over-year trend in Ohio leans toward less expensive auto insurance costs compared to the national average. The steepest decrease occurred from 2019 to 2020, while the highest surge took place from 2017 to 2018. Recent years have seen less steep fluctuations but still move significantly in both directions.
If your policy pricing trend doesn't align with the above, the best step to take is to shop around.
|Year||Avg. Annual Premium — Ohio||Yearly change — Ohio||Avg. Annual Premium — U.S.||Yearly change — U.S.|
Ohio car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Ohio auto insurance.
Who has the cheapest car insurance in Ohio?
Merchants Insurance Group and USAA are the cheapest insurance options for Ohio drivers. A USAA policy costs $433 per six months, while Merchants Insurance Group charges $425.
What is the average cost for car insurance in Ohio?
The average rate for a six-month liability-only policy in Ohio is $236 compared to a full coverage policy which costs $525.
Why is car insurance so expensive in Ohio
Car insurance in Ohio is about 20% more expensive than average. This is due to population size, number of uninsured drivers, and insurance companies' revenue loss via claims.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.