Cheap Ohio Car Insurance

Find affordable auto insurance that works for you in Ohio. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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. We’ll get you prepped with free insurance quotes, then you take the wheel.


 

Affordable insurance companies in Ohio

What's the cheapest car insurance in Ohio?
Rank Company Name Avg. Annual Premium
1 Merchants Insurance Group $849
2 USAA $867
3 State Farm $958
4 Hastings Mutual $980
5 Erie $981
6 Esurance $1,082
7 Progressive $1,221
8 Nationwide $1,240
9 Grange Mutual $1,382
10 State Auto $1,664

Find the best cheap coverage in Ohio by comparing quotes from dozens of companies. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Ohio

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Ohio drivers without a recent at-fault accident typically save 34% on their car insurance premiums — a bit better than the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $202 16.56%
No Accidents $542 34.77%
Good Credit $882 46.47%

 

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 $3,565 per year on average, roughly $1,400 less than the national average — but still three times as much as the average driver in Ohio.

Age Annual Rate with Parents Annual Rate Alone
16 $3,533 $4,659
17 $3,235 $4,440
18 $3,130 $4,013
19 $2,777 $2,735

 

Cheap auto insurance for bad drivers in Ohio

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 40% after a DUI, 34% after an at-fault accident, and 16% after a speeding ticket in Ohio. The post-citation penalties assessed by car insurance companies in Ohio are similar to nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating Factor Annual Rate % Increase
At-Fault Accident $1,557 34.77%
DUI $1,711 40.63%
Speeding Violation $1,218 16.56%
Bad Credit $1,898 46.47%

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Top rated car insurance companies in Ohio

Almost every auto insurance company brags about its cheap prices. But just like with any product, the cheapest car insurance isn't always the best option. Considering the stakes, it's worth doing your homework to acquire the insurance policy that can cover your car completely after a collision. Be patient and look for the best value, instead of settling for the most affordable auto insurance in Ohio.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
Auto-Owners N/A Above average Superior N/A
GEICO Average Average Superior 4.4 / 5
Hastings Mutual N/A N/A Excellent N/A
Merchants Insurance Group N/A N/A Excellent N/A
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5

Ohio auto insurance laws

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

If you opt for the minimum allowed coverage in Ohio, be prepared to pay an average of $472 annually. This is cheaper than the national average by 28%. If you opt for a higher level of car insurance coverage, you can purchase a policy with comprehensive and collision coverage, insuring against damages caused by vehicle wrecks, theft, vandalism, or weather incidents. Better insurance comes at a price: in Ohio, a comprehensive policy with a $1,000 deductible costs $889, 88% more than liability-only car insurance. For comprehensive coverage with a $500 deductible, expect to pay 122% more than you would for basic liability-only coverage.

Learn more about car insurance coverage requirements in Ohio

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How tickets change insurance rates in Ohio

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.

Below is a look at typical auto insurance rates in Ohio after a few common citations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $1,773 72% $741
Refused Breathalyzer/Chemical Test $1,592 54% $560
DUI $1,592 54% $560
Racing $1,773 72% $741
Reckless Driving $1,726 67% $694
Driving with a Suspended License $1,722 67% $690
At-Fault Accident $1,899 84% $867
Driving with an Open Container $1,354 31% $322
Operating a Vehicle Without Permission $1,623 57% $591
Passing a School Bus $1,455 41% $423
Improper Passing $1,260 22% $228
Following Too Closely $1,260 22% $228
Speeding $1,275 23% $243
Failure to Stop at a Red Light $1,260 22% $228
Illegal Turn $1,260 22% $228
Driving Wrong Way/Wrong Lane $1,224 19% $192
Failure to Yield $1,260 22% $228
Speeding in a School Zone $1,231 19% $199
Driving Too Slowly $1,231 19% $199
Distracted Driving $1,238 20% $205
Driving with Expired Registration $1,164 13% $132
Failure to Show Documents $1,164 13% $132
Not-at-Fault Accident $1,144 11% $112
Failure to Use Child Safety Restraint $1,070 4% $38
Failure to Wear a Seat Belt $1,036 0% $4
Driving Without Lights $1,070 4% $38

 

Ohio car insurance FAQs

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 of 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.

Is car insurance required in Ohio?

Yes, car insurance is required in Ohio. In order to register your vehicle and drive it on public streets, you must carry at least liability insurance.

How much does car insurance cost in Ohio cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Mansfield, Ohio, and the most expensive in Youngstown, Ohio.

Rank City Avg. Annual Premium
1 Youngstown $1,250
2 Cleveland $1,235
3 Toledo $1,227
4 Cincinnati $1,190
5 Columbus $1,170
6 Akron $1,131
7 Dayton $1,128
8 Springfield $1,027
9 Parma $998
10 Mansfield $981

 

RECENT QUESTIONS

Can I reinstate a cancelled policy?

It is certainly possible that your insurance company will allow you to reinstate your policy, but there is likely a cut-off date so you should contact them ASAP to inquire about reinstating your coverage. Often times when a policy is cancelled for non-payment, the customer has a grace period to make payment and keep the policy active.
Jun 26, 2016 Waverly, OH

If I cancel my insurance mid-month, will I get my money back?

Most companies, including Progressive, usually bill you ahead of time. Meaning, if you pay your bill on the 1st for the 1st-31st and cancel on the 10th, you would get the remaining days of the months of premium back.
Feb 6, 2018 Dalton, Ohio

Can I add coverage after hitting a deer?

This is actually considered insurance fraud. You can get in serious trouble if you are found claiming an event that occurred prior to you having coverage.   
Dec 10, 2020 Toledo, OH

I have full coverage and a non-owner hit a deer. Will insurance cover the damage?

As long as the driver is covered by the policy — they don't necessarily need to be listed — insurance should cover the damage. Most policies would cover a driver, who does not reside with you, borrowing the car.
Dec 5, 2019 Bellevue, OH

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.