Car Insurance in Ohio
- Progressive has the cheapest liability coverage at $24 per month.
- Progressive offers the cheapest full coverage at $77 per month.
Enter your ZIP code to start your search for Ohio car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Ohio at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Ohio
In 2026, the average cost of car insurance in Ohio is $790 for a 6-month policy — 31% cheaper than the national average.[1] We recommend checking with Progressive and Progressive first as they offer the cheapest average quotes in Ohio.
32% 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.
Cheapest full coverage in OH
- Progressive offers the cheapest full coverage in Ohio at $77/mo.
Best customer service in OH
- Erie Insurance scored 684 (5.7% above average) in J.D. Power's latest study — the highest in Ohio.[3]
Cheapest liability coverage in OH
- Progressive offers the cheapest liability coverage in Ohio at $24/mo.
Cheap full coverage car insurance quotes in Ohio
Ohioans pay around $790 per 6-month period for a full coverage policy. While full coverage is more expensive than liability-only, it has many benefits, part of why 61% of The Zebra's Ohio customers receive quotes for full coverage insurance.[2]
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $465 | $77 |
| USAA | $564 | $94 |
| Travelers | $607 | $101 |
| Ohio Mutual Ins Group | $622 | $104 |
| Nationwide | $631 | $105 |
| GEICO | $713 | $119 |
| Erie | $970 | $162 |
| Farmers | $1,033 | $172 |
| Allstate | $1,035 | $172 |
| American Family | $1,627 | $271 |
Source: The Zebra
Local insights
Drivers near you in Ohio weigh in
"I am only paying $100 month with a fairly new car and full coverage thru GEICO. Very happy!"
- Reddit user on r/Ohio
"Husband and I are in our early 30s and we pay $150 a month through progressive for our cars. We have $250 deductibles and the highest coverages."
- Reddit user on r/Cincinnatti
Compare car insurance rates from the best companies in Ohio.
What are the best car insurance companies in Ohio?
Erie Insurance is our top pick for Ohio drivers based on consumer reviews, reputable third-party ratings, our analysis of Ohio rates data and their available coverage options.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Cheap liability insurance in Ohio
The average cost for liability insurance in Ohio is $258 for a 6-month policy.[1] For our user profile, Progressive offers the most affordable liability insurance options in the state.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Ohio, a full coverage insurance policy with a $500 deductible costs $790, considerably more than liability-only car insurance.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $140 | $23 |
| Progressive | $142 | $24 |
| GEICO | $187 | $31 |
| Ohio Mutual Ins Group | $201 | $34 |
| Travelers | $232 | $39 |
| Erie | $267 | $44 |
| Auto-Owners | $269 | $45 |
| Allstate | $314 | $52 |
| Nationwide | $322 | $54 |
| Farmers | $345 | $57 |
| American Family | $445 | $74 |
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.
Ohio's minimum required limits are 25/50/25. The Zebra discovered that 39% of Ohioan drivers insure their vehicles with liability-only policies. Learn more about car insurance requirements in the state of Ohio with our helpful guide.
If you’re driving in Ohio, there’s a unique rule that can seriously impact you after an accident. Under the state’s “No Pay, No Play” law, uninsured drivers may be barred from recovering certain damages, even if the other driver was at fault.[4] Specifically, if you don’t have insurance at the time of the accident, you may be restricted from collecting non-economic damages like pain and suffering.
This law is designed to encourage drivers to carry insurance, but it also means that going uninsured in Ohio can limit your legal and financial protection—even when you didn’t cause the crash.
Renata Balasco, Insurance writer with 5+ years experience
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| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| Westfield | $197 | $806 |
| USAA | $140 | $564 |
| Travelers | $232 | $607 |
| Progressive | $142 | $465 |
| Ohio Mutual Ins Group | $201 | $622 |
| Nationwide | $322 | $631 |
| MetLife | $555 | $1,495 |
| Grange | $342 | $1,034 |
| GEICO | $187 | $713 |
| Farmers | $345 | $1,033 |
| Erie | $267 | $970 |
| Cincinnati Insurance | $269 | $806 |
| Auto-Owners | $269 | $717 |
| American Family | $445 | $1,627 |
| Allstate | $314 | $1,035 |
Source: The Zebra
Car insurance in popular Ohio cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one. The cheapest car insurance is found in Fremont, 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 biggest cities.
Source: The Zebra
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Source: The Zebra
Real people. Zero nonsense. Just help.
With over 7 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive, where she sp…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
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 n
Source: The Zebra
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.
You can also learn more about general car insurance requirements in the state of Ohio.
Ohio DUI laws
In Ohio, a DUI can lead to a steep increase in your yearly car insurance premium. 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.
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.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $881 | $147 |
| Progressive | $906 | $151 |
| Nationwide | $908 | $151 |
| State Farm | $954 | $159 |
| USAA | $1,188 | $198 |
| Farmers | $1,274 | $212 |
| GEICO | $1,368 | $228 |
| Auto-Owners | $1,419 | $237 |
| Allstate | $1,427 | $238 |
| Erie | $1,491 | $248 |
| Ohio Mutual Ins Group | $1,690 | $282 |
| American Family | $2,320 | $387 |
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.
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. 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.
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.
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 an affordable policy in Ohio in minutes!
How have car insurance costs in Ohio changed?
Ohio’s auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium |
|---|---|
| 2026 | $1,625 |
| 2025 | $1,605 |
| 2024 | $1,334 |
| 2023 | $1,388 |
| 2022 | $1,179 |
| 2021 | $1,028 |
| 2020 | $926 |
| 2019 | $1,024 |
| 2018 | $1,052 |
| 2017 | $1,736 |
| 2016 | $1,448 |
| 2015 | $1,477 |
Save money on your next car insurance policy!
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!
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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2025 U.S. Auto Insurance Study. J.D. Power.
2025 U.S. Auto Insurance Study. J.D. Power.
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“No Pay, No Play” law. Ohio Revised Code § 2315.20
“No Pay, No Play” law. Ohio Revised Code § 2315.20
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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.
