Best car insurance companies in Ohio

Auto-Owners is the best car insurance company in Ohio, based on data analysis by Insurance.com, with an overall rating of 3.87. Erie Insurance, Travelers, Grange Mutual, and Geico are the list of top car insurance companies in Ohio based on price, NAIC complaint ratio, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best car insurance in Ohio
Company AM BestAvg. Annual PremiumJ.D. PowerNAICInsurance.com score
Auto-OwnersA++$1,1098330.53.87
Erie InsuranceA+$1,1328440.613.67
TravelersA++$1,3368060.493.24
Grange MutualB++$9868380.723.19
GeicoA++$1,3738310.912.92
ProgressiveA+$1,6268160.652.67
AllstateA+$1,9428220.652.4
FarmersA$1,7948160.82.36
Westfield InsuranceA$1,6738331.082.31

Cheapest car insurance companies in Ohio

Based on a rate analysis by Insurance.com, Grange Mutual offers the cheapest full coverage car insurance in Ohio with average rates of $986 annually or $82 a month, on average. In contrast, Grange Mutual offers the cheapest liability car insurance in Ohio at an average annual rate of $248.

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in Ohio and put together a list of the cheapest car insurance companies.

Cheapest car insurance in Ohio
Company State minimum liability50/100/50 liability100/300/100 liability with $500 deductible
Grange Mutual$182$248$986
USAA*$218$271$994
Auto-Owners$235$289$1,109
Erie Insurance$226$273$1,132
Travelers$380$467$1,336
Geico$421$532$1,373
Cincinnati Insurance$404$483$1,624
Progressive$452$533$1,626
Westfield Insurance$325$385$1,673
Farmers$554$771$1,794
Allstate$582$651$1,942

*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 $1,417 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For state minimum coverage, the average annual cost in Ohio is $362.

Auto insurance calculator

Average auto insurance rates in Ohio
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
44503 - Youngstown
For a 30-year-old male
$34 State minimum
$111 Full coverage
$41 Liability only
View most and least expensive zip codes

Most & least expensive ZIP codes for auto insurance in Ohio

Most Expensive

Zip CodeCityHighest Rate
45214Cincinnati$114
43211Columbus$113
43224Columbus$113
45225Cincinnati$113

Least Expensive

Zip CodeCityLowest Rate
43456Put In Bay$76
45891Van Wert$76
45840Findlay$76
45885St. Marys$76

Cheapest car insurance cost in Ohio by age

In Ohio, car insurance rates are higher for teenagers; their lack of experience on the road leads to more accidents.

Auto-Owners offers the cheapest car insurance for teen drivers in Ohio at $3,032 per year for a full coverage policy. You can get cheaper rates from USAA if you’re eligible.

Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults. 

In Ohio, Grange Mutual offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $966 per year and $1,004 per year, respectively. You can get cheaper insurance if you are a senior driver and are eligible for USAA.

Cheapest car insurance in Ohio by age
Age Company Avg annual premium 
Teens (16-19)USAA*$2,801
Teens (16-19)Auto-Owners$3,032
Teens (16-19)Erie Insurance$3,143
Teens (16-19)Geico$3,210
Teens (16-19)Grange Mutual$3,651
Teens (16-19)Westfield Insurance$4,493
Teens (16-19)Travelers$4,546
Teens (16-19)Cincinnati Insurance$4,789
Teens (16-19)Allstate$6,392
Teens (16-19)Progressive$7,197
Teens (16-19)Farmers$8,480
Young Adults (20-24)USAA*$1,595
Young Adults (20-24)Grange Mutual$1,645
Young Adults (20-24)Geico$1,767
Young Adults (20-24)Auto-Owners$1,916
Young Adults (20-24)Erie Insurance$1,916
Young Adults (20-24)Travelers$2,161
Young Adults (20-24)Westfield Insurance$2,673
Young Adults (20-24)Progressive$2,729
Young Adults (20-24)Cincinnati Insurance$2,803
Young Adults (20-24)Allstate$2,895
Young Adults (20-24)Farmers$2,930
Adults (25-60)Grange Mutual$966
Adults (25-60)USAA*$1,007
Adults (25-60)Auto-Owners$1,122
Adults (25-60)Erie Insurance$1,149
Adults (25-60)Geico$1,363
Adults (25-60)Travelers$1,366
Adults (25-60)Cincinnati Insurance$1,604
Adults (25-60)Progressive$1,641
Adults (25-60)Farmers$1,735
Adults (25-60)Westfield Insurance$1,741
Adults (25-60)Allstate$1,996
Seniors (65-75)USAA*$987
Seniors (65-75)Grange Mutual$1,004
Seniors (65-75)Auto-Owners$1,138
Seniors (65-75)Erie Insurance$1,221
Seniors (65-75)Travelers$1,362
Seniors (65-75)Geico$1,415
Seniors (65-75)Cincinnati Insurance$1,615
Seniors (65-75)Westfield Insurance$1,645
Seniors (65-75)Progressive$1,678
Seniors (65-75)Farmers$1,789
Seniors (65-75)Allstate$1,914

*USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in Ohio by driver profile

Drivers who have accidents or tickets are considered a higher risk and pay higher car insurance rates. In Ohio, Nationwide offers the cheapest car insurance rates for drivers with an accident, at $1,360 per year. However, the severity and frequency of the incidents also affect insurance rates.

USAA is the cheapest car insurance company in Alaska for drivers with speeding tickets at $1,171 per year. However, it covers specifically the military community. Nationwide is the closest option for most drivers at $1,176 per year

Below are average car insurance cost in Ohio by company for drivers with accidents and tickets on their driving record. 

Cheapest car insurance in Ohio for drivers with tickets and accidents
CompanyClean record AccidentSpeeding Ticket
Nationwide$770$1,360$1,176
Geico$795$1,803$1,543
USAA*$891$1,626$1,171
Auto-Owners$1,017$1,558$1,262
Erie Insurance$1,022$1,554$1,178
Travelers$1,034$1,629$1,592
State Farm$1,065$1,266$1,166
American Family$1,115$1,647$1,444
Progressive$1,310$2,254$1,702
Farmers$1,486$2,464$2,092
Allstate$1,747$3,012$2,222

*USAA offers car insurance only to military members, veterans and their families.

Compare auto insurance rates by city in Ohio

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Ohio.

CityAnnual insurance premium
Cincinnati
$1,608
Cleveland
$1,643
Columbus
$1,597
Dayton
$1,476

Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

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 
  • Single vehicle accident 

Tickets: 

  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

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