Cheap Ohio Car Insurance

Compare the best rates from 26 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.


 

Cheap Car Insurance

What's the cheapest car insurance in Ohio?
RankCompany NameAvg. Annual Premium
1Utica National$641
2Erie$674
3Allied$683
4Frankenmuth$694
5Travelers$719
6USAA$726
7Merchants Insurance Group$763
8Cincinnati Insurance$764
9Motorists Mutual$808
10Grange Mutual$820
11General Casualty$821
12Central Mutual$857
13Hastings Mutual$875
14State Farm$876
15Atlantic States$922
16Westfield$927
17Western Reserve$951
18Progressive$972
19Auto-Owners$978
20Nationwide$1,008
21Farmers$1,015
22American Family$1,031
23State Auto$1,061
24GEICO$1,072
25MetLife$1,114
26Encompass$1,199
27Celina Insurance$1,240
28Titan$1,270
29Ohio Mutual$1,321
30AIG$1,477
31Liberty Mutual$1,649
32Allstate$1,810
33Safeco$2,571
34Dairyland$3,221

Cheap 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$20216.56%
No Accidents$54234.77%
Good Credit$88246.47%

Cheap 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.

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

Cheap Car 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 FactorAnnual Rate% Increase
At-Fault Accident$1,55734.77%
DUI$1,71140.63%
Speeding Violation$1,21816.56%
Bad Credit$1,89846.47%

What are the Best 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.

Compare popular auto insurers' financial strength and claims satisfaction ratings to better understand the level of service they will provide. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — measures an insurer's financial strength and ability to fulfill its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
AIGNot RatedExcellent
Allstate3Superior
Atlantic StatesNot RatedExcellent
Erie5Superior
Farmers3Excellent
GEICO3Superior
General CasualtyNot RatedExcellent
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior
Western ReserveNot RatedExcellent

 

What is the Best Auto Insurance Coverage in Ohio?

The minimum allowed insurance in the state of Ohio is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

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.

Examine average prices for liability-only and comprehensive auto insurance options in the following table.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Ohio$472.45$888.84$1,050.88
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Ohio

In Ohio, the state 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.

Ohio Car Insurance FAQs

What is the state minimum for car insurance coverage in Ohio?

In order to register your vehicle in Ohio, you need to have liability limits of $25,000 per person and $50,000 per accident for bodily injury coverage and $25,000 per accident in property damage coverage.

Do you need car insurance in Ohio?

Yes. Car insurance is mandatory in Ohio. 

Do I need collision and comprehensive car insurance in Ohio?

If you have a loan or lease on the vehicle, you most likely are required to have this coverage. If your vehicle is worth more than $4,000, carrying collision and comprehensive coverages is encouraged.

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 Elyria, Ohio, and the most expensive in Youngstown, Ohio.

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

Recent Ohio Car Insurance Questions and Answers

If I hit a tire in the road, is that considered a comprehensive claim?

I was driving behind an SUV and didn’t have time to swerve out of the way of a tire on ...

AUG 19, 2018
Why won’t my car insurance company give me a refund?

I purchased auto insurance days ago and then i found out i wouldn’t be able to drive. My insurance is ...

AUG 13, 2018
How do i get full coverage insurance with no car?

I am car searching and I’m trying to find insurance so i can pay for a car and drive off ...

JUN 23, 2018
Hit by a drunk driver without insurance

I was hit by a drunk driver, she had no insurance am i covered? She was arrested and charged but ...

MAY 29, 2018

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

Ohio DUI Laws

The OVI lookback period in Ohio is 10 years. Repeated offenses within a decade subject offenders to harsher penalties. In addition, penalties are enhanced for any OVI in which the driver’s BAC is 0.17% or higher. Each OVI offense results in six points added to the offender’s driving record. The first three OVI offenses are misdemeanors. Four or more OVI offenses in Ohio are classed as felonies.

First-time OVI offenses in Ohio lead to:

  • Three days to six months in jail
  • $375 to $1,075 in fines
  • License suspension for 90 days (administrative) and one to three years (criminal)
  • May be able to apply for an ignition interlock device
  • May be able to attend a treatment program
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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.

Prompt

So, 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.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

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
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

Judges: The Zebra

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.

Click here to learn more