- Best car insurance companies in Ohio
- Cheapest car insurance companies in Ohio
- Average cost of car insurance in Ohio
- Ohio car insurance requirements in Ohio
- Cheapest car insurance companies for minimum liability coverage in Ohio
- Cheapest car insurance cost in Ohio by age
- Cheapest car insurance companies in Ohio by driver profile
- 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 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.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 833 | 0.5 | $1,109 | 3.87 |
| Erie Insurance | A+ | 844 | 0.61 | $1,132 | 3.67 |
| Travelers | A++ | 806 | 0.49 | $1,336 | 3.24 |
| Grange Mutual | B++ | 838 | 0.72 | $986 | 3.19 |
| GEICO | A++ | 831 | 0.91 | $1,373 | 2.92 |
| Progressive | A+ | 816 | 0.65 | $1,626 | 2.67 |
| Allstate | A+ | 822 | 0.65 | $1,942 | 2.4 |
| Farmers | A | 816 | 0.8 | $1,794 | 2.36 |
| Westfield Insurance | A | 833 | 1.08 | $1,673 | 2.31 |
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.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Grange Mutual | $182 | $248 | $986 |
| 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 | $218 | $271 | $994 |
*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
Top 5 most & least expensive cities for auto insurance in Ohio
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Blissfield | $1,780 | $148 |
| Tuppers Plains | $1,770 | $148 |
| Kerr | $1,769 | $147 |
| Cleveland | $1,769 | $147 |
| Stafford | $1,768 | $147 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Fremont | $1,271 | $106 |
| Van Wert | $1,274 | $106 |
| St. Marys | $1,280 | $107 |
| Clyde | $1,290 | $108 |
| Coldwater | $1,296 | $108 |
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 InsuranceOhio car insurance requirements in Ohio
In Ohio, you need a minimum of 25/50/25 liability car insurance coverage. Ohio’s state 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. costs an average of $358 annually or $30 monthly.
Minimum liability insurance requirements for Ohio:
- Bodily injury liability (BI): $25,000 per person and $50,000 for accident
- Property damage liability (PD): $25,000 per accident
Cheapest car insurance companies for minimum liability coverage in Ohio
According to Insurance.com data, Grange Mutual provides the cheapest state minimum liability insurance, averaging $183 annually or $15 monthly.
Below is the list of Ohio's most affordable car insurance companies with their state minimum coverage rates.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Grange Mutual | $183 | $15 |
| USAA* | $213 | $18 |
| Erie Insurance | $223 | $19 |
| Auto-Owners | $235 | $20 |
| Westfield Insurance | $325 | $27 |
| Travelers | $388 | $32 |
| GEICO | $408 | $34 |
| Cincinnati Insurance | $411 | $34 |
| Progressive | $441 | $37 |
| Farmers | $527 | $44 |
| Allstate | $582 | $49 |
*USAA offers coverage only to military veterans and their family
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.
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 premium rates.
| USAA | $4,002 | $333 |
| GEICO | $4,211 | $351 |
| Travelers | $6,378 | $531 |
| Progressive | $9,761 | $813 |
| Allstate | $10,078 | $840 |
| Farmers | $13,069 | $1,089 |
*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, Erie Insurance offers the cheapest car insurance rates for drivers with an accident, at $1,395 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 $1,231 per year.
Below are the average car insurance costs in Ohio by the company for drivers with accidents and tickets on their driving records.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Erie Insurance | $1,132 | $1,395 | $1,231 |
| Auto-Owners | $1,109 | $1,608 | $1,346 |
| Travelers | $1,336 | $1,988 | $2,037 |
| Progressive | $1,626 | $2,844 | $2,392 |
| Allstate | $1,942 | $3,074 | $2,407 |
| GEICO | $1,373 | $2,796 | $2,817 |
| Farmers | $1,794 | $3,410 | $2,909 |
| USAA | $994 | $1,520 | $1,254 |
*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
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 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
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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