- Best car insurance company in Ohio: Erie Insurance
- The cheapest car insurance in Ohio: Grange Insurance
- Average cost of car insurance in Ohio
- The car insurance you're required to carry in Ohio
- Cheapest car insurance companies for minimum liability coverage in Ohio
- Cheapest car insurance cost in Ohio by age
- Cheapest car insurance companies for Ohio drivers with tickets and accidents
- Compare auto insurance rates by city in Ohio
- Car insurance premium trends in Ohio
- Methodology
- Compare Ohio car insurance rates with other states
Best car insurance company in Ohio: Erie Insurance
Erie Insurance is the best car insurance company in Ohio, based on our 2025 Best
Car Insurance Companies rankings, with an overall rating of 4.44. These companies round out the top five:
- Auto-Owners
- Grange Insurance
- GEICO
- Travelers
We calculated the Insurance.com score out of five based on rates, NAIC complaint ratio, J.D. Power's annual survey and AM Best ratings.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Erie Insurance | A+ | 710 | 0.89 | $1,132 | 4.44 |
| Auto-Owners | A+ | 646 | 0.54 | $1,109 | 4.38 |
| Grange Insurance | A | 655 | 0.91 | $986 | 4.16 |
| GEICO | A++ | 641 | 0.69 | $1,373 | 4.02 |
| Travelers | A++ | 606 | 0.52 | $1,336 | 3.99 |
| Westfield Insurance | A | 676 | 0.56 | $1,673 | 3.87 |
| Progressive | A+ | 648 | 0.71 | $1,626 | 3.7 |
| Allstate | A+ | 652 | 1.1 | $1,942 | 3.06 |
| Farmers | A | 588 | 0.86 | $1,794 | 2.94 |
| USAA | A++ | 726 | 1.18 | $994 | 4.49 |
The cheapest car insurance in Ohio: Grange Insurance
Based on a rate analysis by Insurance.com, Grange Insurance offers the cheapest full coverage car insurance in Ohio, with average rates of $1,314 a year or $109 monthly, on average, and the cheapest liability-only car insurance in Ohio at an average annual rate of $326.
The cheapest auto insurance for you will vary, but we've gathered rates from the top insurance companies in Ohio for comparison below.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Grange Insurance | $230 | $326 | $1,314 |
| GEICO | $409 | $510 | $1,522 |
| Erie Insurance | $238 | $286 | $1,541 |
| Auto-Owners | $320 | $384 | $1,694 |
| Progressive | $436 | $520 | $1,756 |
| Westfield Insurance | $328 | $391 | $1,860 |
| Allstate | $547 | $615 | $1,922 |
| Cincinnati Insurance | $412 | $489 | $2,086 |
| Farmers | $580 | $765 | $2,103 |
| Travelers | $583 | $683 | $2,353 |
| USAA | $226 | $281 | $1,062 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Ohio
The average car insurance cost in Ohio is $1,739 a year for a full coverage policy with a coverage level of 100/300/100 with $500 deductibles. For state minimum coverage, the average annual cost in Ohio is $390.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Ohio
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Shaker Heights | $702 | $59 |
| Toledo | $699 | $58 |
| Cleveland | $691 | $58 |
| Norwood | $689 | $57 |
| Finneytown | $683 | $57 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Ava | $434 | $36 |
| Bakersville | $436 | $36 |
| Arlington | $438 | $36 |
| Derwent | $439 | $37 |
| Kipling | $440 | $37 |
The Ohio Department of Insurance says...
Most insurance companies assume every licensed driver in your household could drive your car. So even if only one of the family's five drivers has a bad driving record, this could impact the cost of insurance for all of the family members.
- The Ohio Department of InsuranceThe car insurance you're required to carry in Ohio
The minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Ohio are:
- Bodily injury liability (BI): $25,000 per person
- Bodily injury liability (BI) $50,000 per accident
- Property damage liability (PD): $25,000 per accident
Cheapest car insurance companies for minimum liability coverage in Ohio
Erie Insurance provides the cheapest state minimum liability insurance, averaging $286 annually or $24 monthly.
Below, we've gathered rates for state minimum coverage from top Ohio insurers.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Erie Insurance | $286 | $24 |
| Grange Insurance | $326 | $27 |
| Auto-Owners | $384 | $32 |
| Westfield Insurance | $391 | $33 |
| Cincinnati Insurance | $489 | $41 |
| GEICO | $510 | $42 |
| Progressive | $520 | $43 |
| Allstate | $615 | $51 |
| Travelers | $683 | $57 |
| Farmers | $765 | $64 |
| USAA | $281 | $23 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Ohio by age
Erie Insurance offers the cheapest car insurance for a 16-year-old driver in Ohio at $3,681 per year.
In Ohio, Grange Insurance offers the cheapest car insurance for a 25-year-old driver at $1,436 per year. Grange Insurance offers the cheapest car insurance for a 65-year-old driver at $1,211 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates.
| Erie Insurance | $3,681 | $307 |
| GEICO | $3,805 | $317 |
| Auto-Owners | $5,154 | $430 |
| USAA | $5,345 | $445 |
| Westfield Insurance | $6,522 | $543 |
| Grange Insurance | $6,953 | $579 |
| Cincinnati Insurance | $7,226 | $602 |
| Travelers | $7,465 | $622 |
| Allstate | $7,592 | $633 |
| Progressive | $10,340 | $862 |
| Farmers | $15,445 | $1,287 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies for Ohio drivers with tickets and accidents
Erie Insurance offers the cheapest car insurance rates for drivers with an accident, at $1,898 per year. However, the severity and frequency of the incidents also affect insurance rates.
Erie Insurance also offers the cheapest car insurance for drivers with a speeding ticket in Ohio at $1,676 per year.
Below are the average car insurance costs in Ohio by the company for drivers with accidents and tickets.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Erie Insurance | $1,541 | $1,898 | $1,676 |
| Auto-Owners | $1,694 | $2,455 | $2,237 |
| Allstate | $1,922 | $3,043 | $2,382 |
| Progressive | $1,756 | $3,070 | $2,583 |
| GEICO | $1,522 | $3,100 | $3,123 |
| Farmers | $2,103 | $3,999 | $3,411 |
| Travelers | $2,353 | $3,502 | $3,587 |
| USAA | $1,062 | $1,624 | $1,340 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Ohio
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Ohio will impact what you pay. Below, we've gathered Ohio car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Cincinnati | $1,608 |
Cleveland | $1,643 |
Columbus | $1,597 |
Dayton | $1,476 |
Car insurance premium trends in Ohio
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Ohio to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
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