Ohio government car insurance for low-income drivers

There is no government-run car insurance program for low-income drivers in Ohio. Only a handful of states (California, Hawaii and New Jersey) have such a program.

In Ohio, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.

Ohio minimum car insurance requirements

The minimum car insurance requirements in Ohio are as follows:

Minimum liability coverage limitsAverage annual premiumOther types of insurance required (if any)
25/50/25$362-
Data updated in 2024
Read our methodology

Remember that if you have a loan on your car, you’re required to carry full coverage, which includes collision and comprehensive.

Best low income car insurance in Ohio

Auto-Owners came out on top as the best pick for low-income car insurance.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Ohio and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

These are the best low-income car insurance companies in Ohio.

CompanyAverage annual premiumJ.D. PowerAM BestNAICInsurance.com score
Auto-Owners$235833A++0.53.87
Erie Insurance$226844A+0.613.71
Grange Mutual$182838B++0.723.19
Travelers$380806A++0.493.13
Geico$421831A++0.912.76
Progressive$452816A+0.652.67
Westfield Insurance$325833A1.082.63
Allstate$582822A+0.652.4
Farmers$554816A0.82.29
Data updated in 2024
Read our methodology

Cheap car insurance in Ohio for low-income individuals

Based on state-minimum coverage, we found that the cheapest car insurance company in Ohio is Grange Insurance at an average rate of $182 a year.

When you’re working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Ohio to find the cheapest options on average.

Company nameAverage annual premiumAverage monthly premium
Grange Insurance$182$15
Erie Insurance$226$19
Auto-Owners$235$20
Westfield Insurance$325$27
Travelers$380$32
Cincinnati Insurance$404$34
Geico$421$35
Progressive$452$38
Farmers$554$46
Allstate$582$49
USAA$218$18
Data updated in 2024
Read our methodology

Car insurance discounts in Ohio for low-income drivers

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Ohio can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type% Discount
Years Licensed31%
Years Insured16%
Profession12%
Telematics11%
Primary Use10%
Loyalty - Years Renewal With Company9%
Days Advanced Purchase9%
Multi Policy8%
Payment Type8%
Marital Status7%
Daily Commute7%
Days Per Week Driven6%
Lower Annual Mileage5%
Homeowner5%
Electronic Funds Transfer4%
Paperless/Electornic Documents4%
Education3%
Safety Devices3%
Anti-Theft Device2%
Data updated in 2024
Read our methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.

Low-income car insurance in Ohio: Frequently asked questions

What is the cheapest car insurance company for low-income people?

In Ohio, the cheapest car insurance company is Grange Insurance. However, that’s based on average rates and may differ for you, so it’s important to shop around.

Does Ohio have car insurance for low-income individuals?

No, Ohio doesn’t offer a car insurance program for low-income individuals or families.

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