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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

1st place medal
USAA

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.

2nd place medal
Erie Insurance

This regional carrier scored an 857 on J.D. Power's 2021 auto study.

medal
State Farm

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. 

Key takeaways
  • Ohioans pay about 33% lower rates for car insurance on average
  • Car insurance prices are rising in Ohio, up 11% from last year
  • The cheapest car insurance company in Ohio is Buckeye Insurance Group.

The cheapest car insurance companies in Ohio

Check out Ohio's cheapest carriers in a variety of scenarios.

State Farm logo
Cheapest for at fault accidents: State Farm

The cheapest rates are from $1,187 on average

medal for most affordable
Cheapest for minimum liability: USAA

For the minimum required coverage in Ohio, USAA is cheapest on average.

Most affordable medal
Cheapest for DUI: Travelers

If you have a DUI on your record, check out Travelers for the cheapest average rates.

Company Avg. Annual Premium
USAA $900
State Farm $926
Travelers $938
GEICO $1,066
Progressive $1,198
Farmers $1,361
Allstate $1,935
Updated: 09/29/22.

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.

For the legal minimum coverage level in Ohio, expect to pay about $366 per year.

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):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

 

car with blue windshield

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.

In Ohio, a comprehensive policy with a $1,000 deductible costs $880, 140% more than basic liability-only coverage.

The Zebra's guide to Ohio car insurance laws


Learn more about car insurance requirements in the state of Ohio with our helpful guide. 


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.

Company Avg. Annual Premium
USAA $280
State Farm $307
GEICO $329
Travelers $383
Progressive $451
Farmers $577
Allstate $587
Updated: 09/29/22.

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.

Company Avg. Annual Premium
Allstate $2,987
Farmers $2,095
GEICO $1,433
Progressive $2,043
State Farm $2,071
Travelers $1,543
USAA $1,621
Updated: 09/29/22.

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%.

Company Avg. Annual Premium
State Farm $1,187
Travelers $1,252
USAA $1,302
GEICO $1,607
Progressive $1,786
Farmers $1,940
Allstate $3,089
Updated: 09/29/22.

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.

Company Avg. Annual Premium
USAA $2,389
Travelers $2,904
GEICO $3,094
State Farm $3,523
Progressive $4,291
Allstate $4,477
Farmers $6,405
Updated: 09/29/22.

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
None $1,179 0% $0
One Med/PIP claim $1,209 3% $30
Not-at-fault accident $1,221 4% $42
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
Illegal turn $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
Improper passing $1,430 21% $251
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
Open container $1,864 58% $685
Reckless driving $2,182 85% $1,003
Racing $2,217 88% $1,038
Refusal to submit to a chemical test $2,286 94% $1,107
Driving with a suspended license $2,293 95% $1,114
DUI $2,311 96% $1,132
Leaving scene of an accident/hit and run $2,374 101% $1,195
Updated: 09/29/22.

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.

Company Avg. Annual Premium
Travelers $1,360
State Farm $1,378
Progressive $1,379
USAA $1,382
Farmers $1,849
GEICO $2,016
Allstate $2,660
Updated: 09/29/22.

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

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. 

Already insured

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.

 

Currently uninsured?

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.

 

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

Compare car insurance rates from Ohio's best companies.

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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.

City Avg. Annual Premium
Akron $1,275
Cincinnati $1,334
Columbus $1,350
Toledo $1,367
Cleveland $1,522
Updated: 09/29/22.

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.

YEARLY CAR INSURANCE RATE TRENDS IN OHIO
Year Avg. Annual Premium — Ohio Yearly change — Ohio Avg. Annual Premium — U.S. Yearly change — U.S.
2021 $1,028 $102 $1,529 $46
2020 $926 -$98 $1,483 -$61
2019 $1,024 -$28 $1,544 $23
2018 $1,052 $684 $1,521 $84
2017 $1,736 $288 $1,437 $69
2016 $1,448 -$29 $1,368 $88
2015 $1,477 $46 $1,280 $51
2014 $1,431 $176 $1,229 $34
2013 $1,255 $17 $1,195 -$80
2012 $1,238 $48 $1,276 $82

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? Chevron down icon

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? Chevron down icon

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 Chevron down icon

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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RECENT QUESTIONS

How does changing my due date affect my car insurance

Sorry to hear about your accident.  You should still be covered since it sounds like you didn't miss your payment. Sometimes, if you completely change your due date, you can miss a billing cycle.
May 10, 2018 Fort Myers, FL

My fiancé is legally blind and has to drive with bioptic glasses. His car insurance rates have always been ridiculous. Any suggestions please?

Insurance rates are based on the risk of someone getting into an accident. Since your fiance is legally blind and has a speeding ticket, his rates are going to be higher because of the elevated risk that he would get into an accident.
Jul 23, 2019 Reynoldburg, OH

Who pays for damage I caused while using a company vehicle on company time

Unfortunately, fault can only be determined by the claims adjuster assigned to the accident. However, for the other part of your question, because you were driving your company's vehicle on company time, if you were to be found at fault then the company's insurance would take cover the damages.
Jul 27, 2018 Austin, TX

If the value of my home goes up, do I need to increase my coverage?

The value of your home increasing is amazing for selling purposes. However, when it comes to insuring a home, insurance carriers value the dwelling (Coverage A) at a replacement cost.
Apr 1, 2022 Copely, Ohio

Renata Balasco photo
Renata BalascoContent Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist. Her expertise in property and casualty insurance informs her work in creating expert home and auto insurance guides to educate shoppers. 

Renata previously worked as a content specialist for Lifespan, the largest hospital system in the state of Rhode Island. She holds a bachelor’s degree in French Language and Communications from The University of Rhode Island.

Renata's work has been cited by Car and Driver, The Balance and Fox Business

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.