Car Insurance in Ohio
- USAA and State Farm offer the cheapest liability and full coverage in Ohio
- Compare the cheapest car insurance quotes in OH from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Ohio
In 2024, the average cost of car insurance in Ohio is $739 for a six-month policy — 32% cheaper than the national average.[1] We recommend checking with USAA and State Farm first as they offer the cheapest average quotes in Ohio.
40% of Ohio drivers feel they are overpaying for auto insurance. Since many people want high-quality insurance at a reasonable price, The Zebra's experts analyzed Ohio car insurance rates to help you find the company that offers the best value: Erie Insurance.Â
- USAA is the cheapest option at $96/month. For those who don't qualify for USAA, Travelers came in second at $100/month.
- See the other cheapest full coverage insurance companies and best discounts in Ohio ↓
- USAA is also the cheapest option for full coverage at $28/month. However, for those who don't qualify for USAA, Erie and State Farm are almost tied for second at $35/month and $36/month, respectively.Â
- See the other cheapest liability coverage insurance companies in Ohio ↓
- Erie Insurance, a regional carrier, came in second at 844 on J.D. Power's 2023 auto study.[3] While USAA technically came in first, it limits policy sales to military members and families.
- Read about the rest of the top and best companies in Ohio ↓
- If we're being honest, it was almost a tie between Erie Insurance and State Farm: both have reasonable prices and high customer and claims satisfaction scores. However, Erie has some unique features that led us to our final decision.
- Read more about why we've ranked Erie Insurance as a great fit for many Ohioans ↓
Ohioans pay around $739 per six-month period for a full coverage policy. While full coverage is more expensive than liability-only, it has many benefits, part of why 59% of The Zebra's Ohio customers receive quotes for full coverage insurance.[2]
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $575 | $96 |
| Travelers | $601 | $100 |
| State Farm | $642 | $107 |
| Erie | $662 | $110 |
| Progressive | $692 | $115 |
| GEICO | $747 | $125 |
| Farmers | $890 | $148 |
| Allstate | $1,100 | $183 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Zebra Tip: Search out these car insurance discounts
- Payment method. You can often save money by choosing advance purchase, electronic billing, or paying the full amount upfront.
- Driver discounts. Take advantage of savings through bundling policies, insuring multiple cars, maintaining a good driving record, being a good student, or having a military affiliation.
- Vehicle discounts. Discounts are available for new cars, vehicles with safety features, telematics devices, or anti-theft systems.
Find the best coverage and price in Ohio with The Zebra.
What are the best car insurance companies in Ohio?
Erie Insurance is our top pick for Ohio drivers (with State Farm a close second) based on consumer reviews, reputable third-party ratings, our analysis of Ohio rates data and their available coverage options, and unique features like Erie Rate Lock.Â
As mentioned earlier, it was a close tie between Erie Insurance and State Farm, both earning top marks for customer and claims satisfaction from reputable sources like J.D. Power and our Customer Satisfaction Survey.[3, 4, 5]Â They offer similar cheaper-than-average prices, a variety of coverages and discounts, apps for managing policies, and both have highly-rated local agents who can service your policy.
However, Erie offers a few standout features that State Farm does not, including ERIE Rate Lock (keeps your rate stable despite claims), first accident forgiveness, and an optional endorsement with many additional benefits called Erie Auto Plus.
-
Top customer ratings
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Customizable coverage
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ERIE Rate Lock
-
Erie Auto Plus endorsement (diminishing deductible, waved deductible for some claims, extra loss of use coverage )
-
Local agents
-
Only available in 12 states (a concern only if you plan to move)
-
Limited web-based services (e.g. inability to add Auto ID card to Apple Wallet)
Best car insurance in Ohio — honorable mentions
While Erie won the top spot, several other companies also scored well on J.D. Power's Auto surveys and consumer reviews we collected from thousands of drivers across Ohio and the rest of the United States.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $483 | $80 |
| Travelers | $488 | $81 |
| Erie | $547 | $91 |
| GEICO | $597 | $100 |
| Progressive | $599 | $100 |
| Allstate | $1,048 | $175 |
| State Farm | $1,798 | $300 |
Source: The Zebra
How did we pick what company has the "Best Value" in Ohio?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Ohio
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Cheap liability insurance in Ohio
Our analysis shows that USAA, State Farm, and Erie Insurance have the cheapest liability-only insurance in Ohio. Their prices are much less than the state average of $243 for a 6-month policy.[1]Â
The following table shows monthly and 6-month liability insurance policy rates from some of Ohio's top insurance companies.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $140 | $23 |
| State Farm | $154 | $26 |
| GEICO | $164 | $27 |
| Travelers | $191 | $32 |
| Progressive | $226 | $38 |
| Farmers | $289 | $48 |
| Allstate | $294 | $49 |
Source: The Zebra
Ohio's minimum required limits are 25/50/25 with $25,000 per person and $50,000 per accident for bodily injury and $25,00 for property damage per accident. The Zebra discovered that 41% of Ohioan drivers insure their vehicles with liability-only policies.Â
Amber Vigil, licensed insurance professional at The Zebra.
41% of The Zebra's Ohio customers receive quotes for minimum liability coverage. However, the bodily injury liability amounts are likely enough to cover minor injuries, but likely wouldn't cover more severe accidents. And, while $25,000 is better than some states, it doesn't begin to cover the cost of a newer vehicle. I recommend you increase property damage liability to $50,000 and add UIMBI/UIMPD coverage, which covers your medical expenses and vehicle repairs if the at-fault driver lacks sufficient insurance.
See our guide to  Ohio car insurance limits and laws for more information.
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $166 | $575 |
| State Farm | $212 | $642 |
| Erie | $214 | $662 |
| Travelers | $220 | $601 |
| Progressive | $223 | $692 |
| GEICO | $241 | $747 |
| Nationwide | $322 | $738 |
| Allstate | $428 | $1,100 |
Source: The Zebra
How have car insurance costs in Ohio changed?
In Ohio, average annual auto insurance costs actually dropped by over $50 this past 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 occurred from 2017 to 2018. And while recent years have seen less steep fluctuations, the overall trend is an increase in prices.
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $1,334 | -$54 |
| 2023 | $1,388 | $209 |
| 2022 | $1,179 | $151 |
| 2021 | $1,028 | $102 |
| 2020 | $926 | -$98 |
| 2019 | $1,024 | -$28 |
| 2018 | $1,052 | $684 |
| 2017 | $1,736 | $288 |
| 2016 | $1,448 | -$29 |
| 2015 | $1,477 | $46 |
| 2024 | $1,431 | $176 |
Find an affordable policy in Ohio in minutes!
Car insurance in popular Ohio cities
Car insurance companies calculate your rate based on many factors, including the location of the vehicle. The cheapest car insurance is found in Stony Prairie, Ohio, and the most expensive is in Cleveland, Ohio.
Have a look at the table below to see average car insurance costs in some of Ohio's biggest cities.
Ohio auto insurance quotes after an accident or ticket
You'll probably pay less for car insurance if you have a clean driving record in Ohio — no at-fault accidents, speeding tickets, DUIs, or other recent citations. If you receive a ticket, your car insurance rates will probably rise. 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.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $2,198 | $366 |
| Auto-Owners | $2,434 | $406 |
| Allstate | $2,732 | $455 |
| USAA | $2,791 | $465 |
| GEICO | $3,315 | $553 |
| Progressive | $4,446 | $741 |
| State Farm | $4,609 | $768 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
Ideally, you'll never need your insurance, but a stress-free experience is crucial if you do. In our 2024 Customer Satisfaction Survey, we gauged satisfaction among those who filed claims. Erie emerged as the top choice and is worth considering if you live in Ohio.
If you get a ticket or citation in Ohio, your auto insurance premiums will probably go up. How much they increase will depend on the type of violation, your insurer's pricing, and specific insurance rules and risks. This means that tickets can impact your insurance differently in each state.
Source: The Zebra
The Zebra's guide to Ohio car insurance laws for high-risk drivers
Many of the above violations have more serious insurance consequences. Below, we offer more in-depth guides discussing two of the more severe cases: insurance after a DUI or with an SR22.Â
You can also learn more about general car insurance requirements in the state of Ohio.
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 more considerable premium increase than any other road violation — more than an at-fault accident, racing, or reckless driving.
Â
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, Travelers, the least expensive car insurance company with a DUI in Ohio 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 Allstate, with prices 72% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $1,485 | $248 |
| GEICO | $1,433 | $239 |
| Farmers | $1,201 | $200 |
| State Farm | $965 | $161 |
| Progressive | $896 | $149 |
| USAA | $883 | $147 |
| Travelers | $880 | $147 |
Source: The Zebra
No car insurer, in particular, offers inexpensive insurance after a DUI. The recommended way to save money after a DUI citation is to shop around.
Compare and purchase car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.
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 ultimately pay off.
Â
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.Â
Already insured
With an active insurance policy, requesting an SR-22 might be easy. Call your insurance company and ask them to 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.
Â
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. Specific companies may not sell you insurance if you require an SR-22, while others would happily sell you a policy.
Â
For drivers who don’t own a vehicle
Needing an SR-22 might disqualify you from purchasing insurance from some companies, but if you shop around and are honest about your situation, you will likely find some carriers who can do this for you.
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-owner car insurance policy before filing for an SR-22. A non-owner policy is typically less expensive than a standard policy since it won’t protect against physical damage sustained by your vehicle.
Learn more about SR-22 certificate requirements and how they impact insurance premiums
Find your best value insurance match with The Zebra.
Cheap auto insurance for teens and young drivers in Ohio
Our data shows that teens pay significantly higher insurance rates—more than twice what drivers in their 20s pay and over three times the rates for those in their 30s.[1] This is mainly because they’re just starting out on the roads and don't have much driving experience yet.
The good news is that Ohio teens pay 28% less than the average U.S. teen: $393/month ($2,356/6-month period). However, it's still smart to compare rates. We recommend teens and their families start with USAA (if they qualify), Erie, and Travelers as they offer the cheapest rates.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers | $4,197 | $699 |
| Progressive | $3,185 | $531 |
| Allstate | $2,540 | $423 |
| State Farm | $2,488 | $415 |
| GEICO | $2,163 | $360 |
| Travelers | $1,944 | $324 |
| Erie | $1,825 | $304 |
| USAA | $1,441 | $240 |
Source: The Zebra
Updating data...
| Company | Avg. Monthly Premium | Avg. 6 Mo. Premium |
|---|---|---|
| Progressive | $713 | $4,279 |
| Allstate | $636 | $3,817 |
| State Farm | $561 | $3,367 |
| GEICO | $489 | $2,934 |
| Travelers | $442 | $2,651 |
| Nationwide | $440 | $2,640 |
| Erie | $356 | $2,133 |
| USAA | $341 | $2,046 |
Source: The Zebra
Zebra Tip: 3 ways young drivers can save on car insurance
- Enroll in an approved defensive driving course to qualify for discounts and become a safer driver.
-
Opt for a car with good safety ratings and low repair costs instead of a high-performance model.
- Stay on a parent's policy to benefit from their good insurance history and save.
Ohio car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Ohio auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds
2024 Customer Satisfaction Survey. The Zebra
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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 editorial 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.