Cheapest Car Insurance in Ohio

If you’re shopping around for car insurance in Ohio, you’ll have access to some of the lowest rates in the nation. That’s because the Buckeye State is one of the cheapest states for car insurance.

The sections below will look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.

Cheapest Ohio Car Insurance Companies

The cheapest car insurance companies in Ohio are Geico, Nationwide, Erie Insurance, Auto-Owners and Progressive. Below are the overall and cost ratings for each of these providers.

Since car insurance companies have different calculation methods for premiums, no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Ohio.

Cheapest Ohio Car Insurance Coverage

When you shop for car insurance, the coverage level you choose will have a major impact on your rates. Most quotes from providers include estimates for minimum liability and full-coverage car insurance, allowing you to explore your options. While minimum liability is all that is required in the state, it’s a good idea for drivers to consider full-coverage auto insurance.

Below are the cheapest auto insurance options in Ohio for both coverage types.

Cheapest Liability Car Insurance in Ohio

On average, Erie Insurance tends to offer the cheapest liability car insurance in Ohio at $20 per month or $237 per year. Auto-Owners, Westfield and Progressive can also be affordable options for Ohio drivers.

Ohio Liability Car Insurance Defined

In Ohio, you are required to purchase standard liability coverage, which includes a combination of property damage and bodily injury liability insurance. This type of insurance covers damage you may cause to the property or vehicle of another party. It does not cover you or your passengers.

Cheapest Full-Coverage Insurance in Ohio

Based on our research, Nationwide provides the cheapest full-coverage insurance in Ohio at $69 per month or $825 per year. Ohio motorists can also find cheap coverage from Erie, Geico and Auto-Owners Insurance.

Ohio Full-Coverage Insurance Defined

As in any other state, a full-coverage car insurance policy in Ohio includes a combination of liability, comprehensive and collision coverage to protect you and your passengers in an accident. This type of coverage also covers your vehicle if it’s damaged in a natural disaster or by theft or vandalism.

Age, driving history and credit score can have a significant impact on the cost of car insurance in the state. Below we compare cheap car insurance estimates for Ohio drivers based on these categories.

Cheapest Car Insurance in Ohio for Young Drivers

Teen drivers lack driving experience, which is why they pay hundreds or even thousands of dollars more for car insurance than older adults. The tables below show the cheapest car insurance for young drivers in Ohio, along with estimated monthly and annual costs.

Cheapest Ohio Car Insurance for 16-Year-Olds

Teen drivers in Ohio can expect to pay higher car insurance rates than other age groups. According to our cost estimates, 16-year-old drivers can find affordable car insurance through Nationwide for $2,934 per year or $245 per month. The average rate estimate for 16-year-old drivers in the state is $5,956 per year or $496 per month.

Cheapest Ohio Car Insurance for 17-Year-Olds

We found that Erie Insurance offers the cheapest car insurance rates on average for 17-year-old Ohio drivers, costing $2,136 per year or $178 per month. The average rate estimate for a 17-year-old driver in the Buckeye State is $3,172 per year or $264 per month.

Cheapest Ohio Car Insurance for 18-Year-Olds

Based on our research, Erie Insurance tends to be one of the cheapest car insurance companies for 18-year-old Ohio drivers. Motorists typically pay an average of $1,911 per year or $159 per month for a full-coverage policy with the company. The average rate estimate for 18-year-old Ohio drivers is $2,762 per year or $230 per month.

Cheapest Ohio Car Insurance for 21-Year-Olds

Drivers in their early 20s can expect to pay lower rates for a car insurance policy. For 21-year-old Ohio drivers, Nationwide offers cheap auto insurance coverage, costing $1,192 per year or $99 per month. The average rate estimate for 21-year-old drivers is $1,696 per year or $141 per month.

Cheapest Ohio Car Insurance for 25-Year-Olds

On average, Nationwide provides affordable car insurance rates for 25-year-old Ohio drivers at $930 per year or $78 per month. The average rate estimate for 25-year-old drivers is $1,933 per year or $161 per month.

Cheapest Auto Insurance in Ohio for Adult Drivers

As in most other states, drivers tend to see a significant drop in how much they pay for car insurance as they get older. Rates usually begin lowering for drivers in their mid-30s and may begin to rise again for drivers in their late 60s and early 70s.

Cheapest Ohio Car Insurance for 30-Year-Old Drivers

Ohio drivers in their early 30s are likely to find affordable car insurance rates through Geico, with policies costing an average of $787 per year or $66 per month. The average rate estimate for 30-year-old drivers is $1,107 per year or $92 per month.

Cheapest Ohio Car Insurance for 35-Year-Old Drivers

In Ohio, we found that Nationwide offers the cheapest rates for 35-year-old drivers, costing an average of $825 per year or $69 per month. tThe average rate estimate for 35-year-old drivers is $1,599 per year or $133 per month.

Cheap Car Insurance in Ohio for 40-Year-Old Drivers

According to our research, the cheapest car insurance providers for 40-year-old drivers are Geico and Nationwide. On average, Geico costs $769 per year or $64 per month, while Nationwide averages around $773 per year or $64 per month. The average rate estimate for 40-year-old Ohio drivers is $1,041 per year or $87 per month.

Cheap Car Insurance in Ohio for 50-Year-Old Drivers

On average, 50-year-old drivers in Ohio can find affordable car insurance coverage through Nationwide, costing around $729 per year or $61 per month for a full-coverage policy. The average rate estimate for 50-year-old drivers is $990 per year or $83 per month.

Cheap Car Insurance in Ohio for 65-Year-Old Drivers

Our research shows that the average rate estimate for 65-year-old Ohio drivers is $971 per year or $81 per month. However, drivers are likely to find coverage far below the average rate estimate with companies like Nationwide, which average around $718 per year or $60 per month for a full-coverage policy.

Cheap Car Insurance in Ohio for 75-Year-Old Drivers

On average, Nationwide offers the most affordable car insurance for 75-year-old drivers in Ohio, costing an average of $889 per year or $74 per month. The average rate estimate for 75-year-old drivers is $1,200 per year or $100 per month.

Cheapest Ohio Car Insurance for High-Risk Drivers

Age is not the only factor that heavily impacts car insurance costs. Your driving history and credit score will also influence your annual rate for car insurance. The sections below provide the average cost of car insurance premiums for several different driving situations.

Cheapest Ohio Car Insurance for Drivers With a Speeding Ticket

A speeding ticket on your driving record will cause your auto insurance rates to go up. On average, Ohio drivers with a recent speeding ticket pay around $1,955 per year for full-coverage insurance.

Cheapest Ohio Car Insurance for Drivers With a Recent Accident

If you have a recent at-fault accident on your record, you’ll have to pay more for coverage. On average, Ohio drivers with a recent accident pay around $2,341 per year for full-coverage auto insurance.

Cheapest Ohio Car Insurance for Drivers With a DUI

A DUI on your driving record is considered a major risk factor. Therefore, if you’ve been charged with one, you’ll see a big increase in your premiums. On average, Ohio drivers with a DUI pay around $2,701 per year for full-coverage car insurance.

Cheapest Ohio Car Insurance for Drivers With Poor Credit

The Buckeye State is one of many in which insurers are legally allowed to use your credit score to determine your insurance rates. Drivers with poor credit pay substantially more for coverage than those with good credit. On average, Ohio drivers with poor credit scores pay around $2,944 per year for full-coverage insurance.

For those who would like to know about the cheapest auto insurance providers in the Buckeye State, the sections below contain more detailed information.

Ohio drivers typically pay $1,599 per year or $133 per month for full-coverage car insurance, which is about 26% cheaper than the national average of $2,008 per year. This cost estimate is based on a single 35-year-old driver with a clean driving record and a good credit score.

The average cost of minimum coverage car insurance in Ohio is $536 per year or $45 per month, making it 7% less expensive than the national average of $627 per year.

Ohio Car Insurance Costs by Age

Younger drivers typically pay much higher rates for car insurance in Ohio than middle-aged drivers. Based on our research, 16-year-old drivers pay an average of $5,956 per year or $496 per month for full-coverage car insurance, while auto insurance for a 30-year-old typically costs $1,107 per year or $92 per month.

Ohio Auto Insurance Costs by City

Auto insurance rates vary throughout the state of Ohio. That’s because ZIP codes have different population sizes and other risk factors. Ohio drivers in urban centers tend to pay more than those in rural parts of the state. This table shows some sample estimates for different cities in Ohio.

Factors That Affect Ohio Car Insurance Rates

While car insurance in Ohio tends to be far cheaper than in other states, your premium will largely depend on your situation and vehicle.

Some factors that may influence how much you pay for auto insurance include:

• Your age, gender and marital status
• Your location
• Your vehicle
• Your credit score
• Your driving record
• Your chosen deductible amount

State law requires that every driver carry a certain level of Ohio auto insurance coverage. The minimum coverage requirements include:

• Bodily injury liability coverage: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $25,000 per accident

These coverage limits protect other drivers, their passengers and their vehicles in accidents you cause. Ohio’s minimum state requirements for auto insurance don’t cover any costs you incur during an accident you cause.

Additional Ohio Car Insurance Coverage

If you want to be fully protected in an accident, consider carrying more than the state minimum requirements for car insurance in Ohio. Here are a few coverages to choose from:

• Comprehensive coverage
• Collision coverage
• Medical payments (MedPay)
• Uninsured motorist coverage/underinsured motorist coverage

Is it Illegal to Not Have Car Insurance in Ohio?

Ohio has strict laws about driving without car insurance. If you are caught driving without insurance, you’ll have to surrender your license until you meet coverage requirements for your first offense. On your second offense, you’ll lose your license for one year. You’ll lose your license for two years for a third offense.

You’ll also have to pay escalating reinstatement fees based on how many times you’ve broken Ohio insurance laws. The state can also require you to carry special high-risk insurance called SR-22 coverage for driving without insurance.

How To Get Car Insurance in Ohio

You’ll likely find good rates from companies such as Geico, Nationwide, Erie, Auto-Owners and Progressive. Each of these options provides solid coverage and standout customer service.

You can gather quotes online or reach out to a local agent with each of these companies. This way, you can compare prices and find the best coverage that suits your needs.

All Ohio drivers are required to maintain at least liability car insurance coverage. Generally, it’s also smart to consider purchasing collision and comprehensive insurance to maintain full coverage. Rates for car insurance in the state of Ohio sit far below the national average.

While rates for car insurance in the state of Ohio sit far below the national average, the providers covered in this article will offer you lower prices than most. We encourage you to reach out for quotes in your search for the cheapest car insurance in Ohio.

Below are frequently asked questions about the cheapest car insurance in Ohio.

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.