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Nationwide offers the cheapest car insurance rates in Ohio for full coverage, at $650 annually, or $54 per month. Whereas USAA is rated as the best car insurance company in Ohio, based on Insurance.com's analysis.

There are a lot of different car insurance companies in Ohio, and it can be tough to choose the one that suits your needs. Plus, car insurance rates can vary a lot from company to company. So how do you know which company is the best and cheapest for you?

To get the best rates, always compare quotes from multiple insurers. Factors such as your age, driving history, vehicle, and location significantly affect how much you pay for auto insurance.

KEY TAKEAWAYS
  • USAA offers the best car insurance rates in Ohio among the companies analyzed by Insurance.com.
  • In Ohio, Nationwide provides the cheapest car insurance at $650 per year.
  • Car insurance rates differ with various driving profiles. Nationwide offers the cheapest car insurance prices for drivers with poor credit.
  • State Farm has the cheapest car insurance rates for any driver with a DUI in Ohio. The insurance premium is $1,688 per year.

Best car insurance companies in Ohio

USAA is the best car insurance company in Ohio with a 4 auto star rating, highest among the companies surveyed.

Experts at Insurance.com have analyzed the companies and compiled data from across Ohio to help you make an informed decision. The table below shows the auto star rating for the insurers we have rated as the best car insurance companies in Ohio.

CompanyAuto star ratings
Auto Club of Southern California (Auto Club Enterprise Insurance Group)4.8
USAA4.8
State Farm4.3
Travelers3.9
Erie3.9
Auto-Owners3.8
Progressive3.8
Farmers3.5
American Family3.5
Nationwide3.5
MetLife3.4
Allstate3.3
Safeco3.2
Geico3.1
CSAA Insurance Group3.0

Cheapest car insurance companies in Ohio

Nationwide is the cheapest car insurance company in Ohio that offers full coverage car insurance at an average rate of $650 annually or $54 a month.

CompanyAverage annual premiumAverage monthly premium
Nationwide$650$54
Geico$666$55
USAA$879$73
Travelers$921$77
State Farm$933$78
Auto-Owners$934$78
Erie Insurance$938$78
American Family$999$83
Progressive$1,175$98
Farmers$1,269$106
Allstate$1,591$133

Cheapest car insurance for teens in Ohio

Geico offers the cheapest car insurance for teens in Ohio at about $2,244 a year. Teenagers pay higher rates for car insurance than experienced drivers. The cost of car insurance for an 18-year-old driver is much more than it is for drivers age 30.

Find below average annual premium of cheapest auto insurance companies in Ohio for teens.

CompanyAverage annual premium
Geico$2,244
USAA$2,464
Nationwide$2,768
Erie Insurance$2,885
Auto-Owners$2,947
American Family$2,963
State Farm$3,102
Travelers$3,351
Allstate$4,285
Progressive$6,462
Farmers$6,691

Cheapest car insurance for young drivers in Ohio

Geico is the cheapest car insurance company for young drivers in Ohio. Its average annual premium is $1,121 annually or $93 a month. On average, insurance rates for most people go down as they get older. People usually see a substantial drop in rates when they turn 25.

CompanyAverage annual premium
Geico$1,121
Nationwide$1,209
USAA$1,387
Travelers$1,522
American Family$1,540
Erie Insurance$1,648
State Farm$1,742
Auto-Owners$1,757
Progressive$2,190
Allstate$2,191
Farmers$2,316

Cheapest car insurance for adults in Ohio

Nationwide offers the cheapest car insurance for adults in Ohio for a full coverage policy with an average annual premium of $658 annually. The age group 25-55 pay lower rates than teen and young drivers because insurance companies see people of these age groups as experienced. And they are less likely to be involved in accidents and file insurance claims thus leading to less expensive car insurance premiums.

CompanyAverage annual premium
Nationwide$658
Geico$705
USAA$909
Travelers$959
State Farm$964
Auto-Owners$966
Erie Insurance$969
American Family$1,011
Progressive$1,231
Farmers$1,287
Allstate$1,668

Cheapest car insurance for seniors in Ohio

Nationwide is the cheapest car insurance company for seniors in Ohio. Its average annual premium is $656 a year or about $55 a month. It's common for drivers to see their rates go up as they enter the senior years of their lives. However, shopping around can help them save hundreds of dollars annually.

CompanyAverage annual premium
Nationwide$656
Geico$688
USAA$861
State Farm$888
Auto-Owners$937
Travelers$946
American Family$967
Erie Insurance$973
Progressive$1,225
Farmers$1,278
Allstate$1,547

Cheapest car insurance rates in Ohio by driving record

Location does matter, but it's not the only thing that impacts your car insurance rates. Your driving record also has an effect on how much you pay for coverage. A clean record doesn't necessarily mean lower premiums, but it may help persuade the insurer to give you a better deal than someone with a speeding ticket or accident record.

The best way to find affordable coverage in Ohio is by comparing the rates of different insurance companies. Even if you have a bad driving history, there are companies that offer cheap rates for drivers in Ohio.

Cheapest auto insurance for drivers with poor credit: Nationwide

Nationwide is the cheapest auto insurance company for drivers with poor credit. It offers car insurance policies to Ohio drivers at an average of $2,049 a year.

Compare average annual premium of cheapest car insurance companies in Ohio for drivers with poor credit.

CompanyAverage annual premium
Nationwide$1,093
Geico$1,153
USAA$1,582
Travelers$1,813
American Family$1,986
Progressive$2,244
Farmers$2,300
State Farm$2,384
Erie$2,392
Allstate$2,717
Auto-Owners$2,879

Cheapest auto insurance for drivers with a speeding ticket: Nationwide

Nationwide offers the cheapest car insurance for drivers with a speeding ticket at about $1,429 annually for a full coverage auto insurance policy. When you receive a speeding ticket, your car insurance rates will go up for 3-5 years. Each insurance company uses different ways to calculate rates. Make sure you compare price quotes from different insurance providers to get the best deal.

CompanyAverage annual premium
Nationwide$996
Erie$1,117
USAA$1,129
State Farm$1,166
Auto-Owners$1,180
Geico$1,365
American Family$1,446
Travelers$1,563
Progressive$1,620
Farmers$1,951
Allstate$2,186

Cheapest auto insurance after an at-fault accident: Nationwide

Nationwide has the cheapest auto insurance rate for drivers after an at-fault accident with an average of $1,670 per year. An accident stays on your driving record for 3-5 years, but comparison shopping can help you get cheap car insurance rates.

CompanyAverage annual premium
Nationwide$1,249
State Farm$1,266
USAA$1,370
Erie$1,385
Auto-Owners$1,474
Geico$1,518
Travelers$1,532
American Family$1,595
Progressive$2,045
Farmers$2,128
Allstate$2,811

Cheapest auto insurance after a DUI: State Farm

The cheapest auto insurance company for drivers after a DUI is State Farm. It offers auto insurance at about $1,688 a year or $141 a month.

If you have a DUI conviction, you are considered a high-risk driver to insurers. Your rates will go up, but comparison shopping might help you get cheap auto insurance.

CompanyAverage annual premium
State Farm$1,166
USAA$1,349
American Family$1,446
Progressive$1,476
Nationwide$1,557
Erie$1,651
Travelers$1,676
Geico$1,760
Farmers$2,019
Auto-Owners$2,037
Allstate$2,425

Average cost of car insurance in Ohio

The average annual cost of car insurance in Ohio for a full coverage policy is $996. For full coverage, the recommended coverage limits for Ohio drivers is 100/300/100, where $100,000 is for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

For the state minimum coverage, the average annual cost in Ohio is $287.

State minimum average annual rateFull coverage average annual rate
$305$960

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