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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage annual premium
Auto-OwnersA++8330.53.87$1,109
Erie InsuranceA+8440.613.67$1,132
TravelersA++8060.493.24$1,336
Grange MutualB++8380.723.19$986
GeicoA++8310.912.92$1,373
ProgressiveA+8160.652.67$1,626
AllstateA+8220.652.4$1,942
FarmersA8160.82.36$1,794
Westfield InsuranceA8331.082.31$1,673

Data updated in 2024
Read our full methodology

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.

CompanyState 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.

Data updated in 2024
Read our full methodology

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
$39 State minimum
$148 Full coverage
$48 Liability only

Most & least expensive ZIP codes for auto insurance in Ohio

Most Expensive

ZIP codeCityHighest rate
43211Columbus$161
44104Cleveland$157
44101Cleveland$156
44103Cleveland$156

Least Expensive

ZIP codeCityLowest rate
43420Fremont$106
45891Van Wert$106
45885St. Marys$107
45822Celina$108
Data updated in 2024
Read our full methodology

Ohio car insurance requirements in Ohio

In Ohio, you need a minimum of 25/50/25 liability car insurance coverage. Ohio’s state minimum liability insurance 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.

State minimum auto insurance coverage in Ohio, OH
Company Liability insurance premiumMonthly 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

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Ohio by age

company_name
Cheapest for teens
$3,032/yr
Learn more
Grange Mutual
Cheapest for adults
$966/yr
Learn more
Grange Mutual
Cheapest for seniors
$1,004/yr
Learn more

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.

Age group
Teen
Age
16
Table
Graph
Auto-Owners$3,522$294
Erie Insurance$3,662$305
USAA$4,002$334
Geico$4,211$351
Grange Mutual$5,018$418
Westfield Insurance$5,540$462
Cincinnati Insurance$5,642$470
Travelers$6,378$532
Progressive$9,761$813
Allstate$10,078$840
Farmers$13,069$1,089
Yearly premium

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

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Ohio by driver profile

company_name
Cheapest for at-fault accident
$1,395/yr
Learn more
company_name
Cheapest for DUI
$1,814/yr
Learn more
company_name
Cheapest for speeding ticket
$1,231/yr
Learn more

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. 

CompanyClean recordAccidentSpeeding ticket
Erie Insurance$1,132$1,395$1,231
USAA$994$1,520$1,254
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 offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

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
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Ohio have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

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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