Below are our picks for the best home and auto insurance bundling companies in Ohio:
Best Home and Auto Insurance Ohio
Updated: December 19, 2024
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Key Takeaways
The best home and auto insurance companies in Ohio are Auto-Owners, USAA, Nationwide, Farmers and Allstate.
Auto-Owners is the best home and auto insurance provider in Ohio, offering savings of 5% on auto insurance and 14% on home insurance.
The average home and auto insurance in Ohio costs around $2,793 per year, which is 10% cheaper than the national average of $3,094.
Who Offers the Best Home and Auto Insurance Bundles in Ohio?
| Auto-Owners Insurance Co | 96 | $1,700 | $194 |
| USAA | 96 | $1,961 | $46 |
| Nationwide | 88 | $1,966 | $364 |
| Farmers | 78 | $2,089 | $532 |
| Allstate | 78 | $2,224 | $558 |
| Progressive | 73 | $2,057 | $130 |
| State Farm | 72 | $5,187 | $1,299 |
| Travelers | 72 | $5,160 | $678 |
Auto-Owners: Best Cheap Home and Auto Insurance in Ohio
Auto-Owners has the cheapest overall home and auto insurance rates and is the top pick on our list for non-military affiliated drivers. While it doesn't have the largest selection of discounts for both policy types, with only a 10% discount overall for bundling, it has achieved a customer satisfaction score of 842 out of 1,000 in a recent J.D. Power Study, ranking 6th among insurers.
| Auto | $4,110 | $719 | 15% |
| Home | $1,077 | $579 | 35% |
USAA: Best Home and Auto Insurance in Ohio for Military
For military members and their families, USAA is the top choice for home and auto insurance, offering the second most affordable rates in the state of Ohio. Bundling both policies can lead to additional savings of up to 10%.
For auto insurance, features like accident forgiveness, rental car reimbursement and the SafePilot program, which rewards safe driving, enhance its appeal. For home insurance, USAA offers full replacement cost coverage, military uniform protection and discounts for safety features such as fire alarms and security systems.
| Auto | $558 | $33 | 6% |
| Home | $1,403 | $12 | 1% |
Auto-Owners: Best Home and Auto Insurance Coverage in Ohio
Auto-Owners excels in coverage. With an average annual premium of $1,700, it provides considerable value. It features guaranteed replacement cost, an add-on that ensures your home is rebuilt to its original quality irrespective of the cost. Equally notable is its personal property replacement cost, enhancing your policy to cover the full value of your belongings, not just the depreciated amount, safeguarding your investments effectively.
| Auto | $668 | $134 | 17% |
| Home | $1,298 | $230 | 15% |
Ohio Home and Auto Insurance Cost
In Ohio, the average monthly cost for home and auto insurance is $233, which is $25 less than the national average. However, prices can vary significantly by provider, ranging from $142 to $432 per month.
| Ohio Home and Auto Insurance Bundle | $2,793 | $301 | -10% |
| National Home and Auto Insurance Bundle | $3,094 | $0 | 0% |
Ohio Home and Auto Insurance Quotes Without Bundling
Our research shows that purchasing separate policies in Ohio typically costs more than bundling, though your individual quotes may vary. Below, we’ve compiled the average rates for various coverage combinations from our top providers, ranked from lowest to highest.
| USAA | Auto-Owners Insurance Co | $1,686 |
| USAA | Progressive | $1,821 |
| Nationwide | Auto-Owners Insurance Co | $1,896 |
| USAA | Farmers | $2,012 |
| Auto-Owners Insurance Co | Progressive | $2,029 |
| Nationwide | Progressive | $2,031 |
| Progressive | Auto-Owners Insurance Co | $2,052 |
| Travelers | Auto-Owners Insurance Co | $2,104 |
| USAA | Nationwide | $2,120 |
| USAA | Allstate | $2,165 |
| Auto-Owners Insurance Co | USAA | $2,215 |
| Nationwide | USAA | $2,217 |
| Auto-Owners Insurance Co | Farmers | $2,220 |
| Nationwide | Farmers | $2,222 |
| Travelers | Progressive | $2,239 |
| USAA | State Farm | $2,248 |
| Farmers | Auto-Owners Insurance Co | $2,295 |
| Allstate | Auto-Owners Insurance Co | $2,303 |
| Auto-Owners Insurance Co | Nationwide | $2,328 |
| Progressive | USAA | $2,373 |
| Auto-Owners Insurance Co | Allstate | $2,373 |
| Nationwide | Allstate | $2,375 |
| Progressive | Farmers | $2,378 |
| Travelers | USAA | $2,425 |
| Farmers | Progressive | $2,430 |
| Travelers | Farmers | $2,430 |
| Allstate | Progressive | $2,437 |
| Auto-Owners Insurance Co | State Farm | $2,456 |
| Nationwide | State Farm | $2,458 |
| Progressive | Nationwide | $2,486 |
| Progressive | Allstate | $2,531 |
| Travelers | Nationwide | $2,538 |
| Travelers | Allstate | $2,583 |
| Progressive | State Farm | $2,614 |
| Farmers | USAA | $2,616 |
| Allstate | USAA | $2,624 |
| Allstate | Farmers | $2,628 |
| Travelers | State Farm | $2,666 |
| Farmers | Nationwide | $2,729 |
| Allstate | Nationwide | $2,737 |
| Farmers | Allstate | $2,774 |
| Farmers | State Farm | $2,857 |
| Allstate | State Farm | $2,865 |
| USAA | Travelers | $5,420 |
| Auto-Owners Insurance Co | Travelers | $5,628 |
| Nationwide | Travelers | $5,630 |
| Progressive | Travelers | $5,786 |
| State Farm | Auto-Owners Insurance Co | $5,923 |
| Farmers | Travelers | $6,029 |
| Allstate | Travelers | $6,036 |
| State Farm | Progressive | $6,058 |
| State Farm | USAA | $6,244 |
| State Farm | Farmers | $6,249 |
| State Farm | Nationwide | $6,357 |
| State Farm | Allstate | $6,402 |
| State Farm | Travelers | $9,657 |
Should I Bundle Home and Auto Insurance in Ohio?
Bundling home and auto insurance policies is typically a more affordable option compared to purchasing them separately from different providers. However, evaluating your specific coverage needs and financial situation is essential to determine the most suitable choice.
Bundling Discounts Save You More Than Individual Policies
Without bundling, the cheapest home and auto insurance is $1,896 per year, while the lowest cost with a bundle is $1,700 annually.
Bundling Makes Policy Management Convenient
Combining your insurance policies simplifies management by keeping everything organized under one account.
In Rare Cases, It Might Be Better Not to Bundle in Ohio
Opting for separate insurance policies might not lead to greater savings, but it can offer increased flexibility in selecting coverage options.
Best Auto and Home Insurance in Ohio: Bottom Line
We identified Auto-Owners, USAA, Nationwide, Farmers and Allstate as the top home and auto insurance providers in Ohio. Bundling your policies typically results in greater savings compared to purchasing them separately. However, explore quotes from several insurers to ensure you secure the best coverage and pricing for your specific needs.
Home and Auto Insurance Ohio: FAQ
Here, MoneyGeek provides expert insights to address common questions about home and auto insurance in Ohio:
Who has the best home and auto insurance in Ohio?
For military drivers in Ohio, USAA stands out as the best choice for home and auto insurance, while Auto-Owners is the leading option for the general population. Both providers offer an excellent mix of competitive pricing, reliable customer service and robust coverage options, making them top choices both within Ohio and across the nation.
Who has the cheapest home and auto insurance in Ohio?
Auto-Owners provides the most affordable home and auto insurance in Ohio. By bundling policies, customers can save 39%, reducing costs significantly compared to the state average of $2,793 annually or $233 per month.
How much does home and auto insurance in Ohio cost on average?
In Ohio, bundled home and auto insurance is 10% cheaper than the national average, with an annual cost of $2,793. Prices vary significantly by provider, ranging from $1,700 to $5,187 per year.
Is bundling home and auto insurance cheaper in Ohio?
Our research confirms that bundling home and auto insurance in Ohio is typically more cost-effective on average.
Best Auto and Home Insurance Bundle in Ohio: Our Methodology
MoneyGeek used data from the Ohio Department of Insurance and Quadrant Information Services to calculate the rates for home and vehicle insurance.
Bundle Scoring System
We supplemented this data with customer satisfaction ratings from leading consumer-reporting agencies, including AM Best and J.D. Power, to generate individual scores for home insurance and auto insurance. Information on each insurer’s bundle discounts was also obtained to evaluate insurers for their savings potential.
Using this information, we calculated a “bundle score” out of 100, taking into account the following weighted categories:
- Score for home insurance: 40%
- Score for auto insurance: 40%
- Score for discounts: 20%
Car, Home and Buyer Profile in Ohio
MoneyGeek's typical profile is as follows:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12K miles driven annually
- A home with a construction year of 2000
Coverage Levels in Ohio
MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:
- $100,000 in property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.