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Ohio Car Insurance

Compare rates from 31 car insurance companies in Ohio.

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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. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

Minimum insurance requirements in Ohio

In Ohio, the minimum coverage requirement is liability with limits 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

Liability coverage is legally required in Ohio and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Ohio, the minimum is listed as 25/50/25 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Ohio but higher coverage amounts are available with most companies.

Top Ohio Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Ohio?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Ohio you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Ohio?

Uninsured Drivers in Ohio




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Ohio cities?

Rank City Avg. Annual Premium
1 Youngstown $1,260
2 Toledo $1,254
3 Cleveland $1,247
4 Columbus $1,223
5 Cincinnati $1,198
6 Cleveland Heights $1,190
7 Euclid $1,152
8 Akron $1,146
9 Dayton $1,131
10 Hamilton $1,124
11 Springfield $1,083
12 Canton $1,080
13 Fairfield $1,074
14 Newark $1,074
15 Lakewood $1,052
16 Middletown $1,045
17 Beavercreek $1,037
18 Kettering $1,030
19 Strongsville $1,021
20 Cuyahoga Falls $1,017
21 Parma $1,017
22 Mansfield $1,012
23 Mentor $998
24 Lorain $995
25 Elyria $985

More questions?

Check out other FAQs and ask your own Ohio car insurance questions here.
Driving Laws

Ohio Texting and Driving Laws

  1. Ban on all cell phones for drivers <18 years old
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Ohio
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's cheap to get car insurance in Ohio!

Whoa! Ohio is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Since Ohio might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Ohio?
Rank Company Name Avg. Annual Premium
1 Utica National $641
2 Erie $674
3 Allied $683
4 Frankenmuth $694
5 Travelers $719
6 USAA $726
7 Merchants Insurance Group $763
8 Cincinnati Insurance $764
9 Motorists Mutual $808
10 Grange Mutual $820
11 General Casualty $821
12 Central Mutual $857
13 Hastings Mutual $875
14 State Farm $876
15 Atlantic States $922
16 Westfield $927
17 Western Reserve $951
18 Progressive $972
19 Auto-Owners $978
20 Nationwide $1,008
21 Farmers $1,015
22 American Family $1,031
23 State Auto $1,061
24 GEICO $1,072
25 MetLife $1,114
26 Encompass $1,199
27 Celina Insurance $1,240
28 Titan $1,270
29 Ohio Mutual $1,321
30 AIG $1,477
31 Liberty Mutual $1,649
32 Allstate $1,810
33 Safeco $2,571
34 21st Century N/A
35 Atlantic States N/A
36 Celina Insurance N/A
37 Central Insurance N/A
38 Dairyland N/A
39 Foremost N/A
40 Frankenmuth N/A
41 Hastings Mutual N/A
42 Kemper Specialty N/A
43 Ohio Mutual N/A
44 The General N/A
45 Utica National Insurance Group N/A
46 Western Reserve Group N/A

Ohio Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Ohio area, while also getting an insider view of the Buckeye State.

Click here to learn more.


So, Ohio students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • This is not a traditional video essay. We do not want an extended selfie of your face (as lovely as it is) speaking to the camera. Make sure your video includes creative visual elements.
  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original two to five minute video. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59pm CST on December 31, 2016.
  • Winner(s) will be selected and notified by e-mail by January 15, 2017.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.