Cheapest Car Insurance in Ohio

Nationwide offers the most affordable minimum coverage car insurance for Ohio drivers at just $19 monthly and $226 annually. This rate is a notable $133 less per year compared to the Ohio average. These figures are based on data from Quadrant Information Services, showcasing the lowest rates in Ohio as of December 2024. Read our research methodology to learn about how we found the cheapest Ohio car insurance.

Nationwide is the cheapest car insurance company for most drivers, with an average monthly cost of $30 for both state minimum and full coverage. This rate is $19 cheaper than Ohio's average of $49. Other affordable options are American Family, Erie, GEICO and Auto-Owners.

We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

American Family is the most affordable car insurance choice for most Ohio drivers. However, your rate depends on personal factors. Below, we highlight the cheapest car insurance rates for several major driving profiles.

Read More: Cheapest Car Insurance

Along with the cheapest rate offered by Nationwide, American Family, Erie and Westfield also offer cheap minimum liability coverage for Ohio drivers. Use the table below to explore companies with the best minimum coverage rates in Texas and see how they compare to the $65 monthly state average.

American Family offers the cheapest full coverage auto insurance in Ohio, with policies averaging $40 per month or $486 per year. This cost is $27 lower than the state's average.

In Ohio, young adult drivers fare best with American Family, the most affordable choice. A minimum coverage policy with American Family costs just $22 per month for 25-year-old drivers.

We used minimum coverage for a 25-year-old driver with good credit and no driving violations to determine the cheapest provider.

For young drivers in Ohio, American Family often offers the cheapest minimum coverage at $22 monthly. If you need full coverage, American Family is still a top choice at $42. Nationwide is affordable for those with bad credit, at $32 per month. Remember, your premium might vary, but these are good starting points for finding low rates.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in Ohio can find affordable rates with Nationwide. The average cost is $18 per month for minimum coverage.

We used minimum coverage for a 65-year-old driver with good credit and no driving violations to determine the cheapest provider.

Nationwide and American Family offer affordable rates for senior drivers in Ohio. Quotes may differ, but use the table below as a guide for your car insurance shopping. Nationwide's minimum coverage starts at $18 per month, while American Family's full coverage is $38 per month.

Read More: Cheapest Car Insurance for Seniors

Ohio drivers with an OVI, at-fault accident or speeding ticket are seen as "high-risk" by insurers and face higher car insurance costs compared to those with a clean record. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for drivers with these offenses.

American Family offers the best rates for Ohio drivers with OVIs, averaging $26 per month ($307 per year) for minimum coverage. Check the table below for a list of insurance providers and their average monthly premiums for drivers with OVIs.

We used a 40-year-old driver with good credit and an OVI on record to calculate these averages.

With rates averaging $26 per month ($313 per year), American Family is the cheapest company for drivers after an at-fault accident. The table below lists other insurers offering affordable coverage for drivers with accidents. Rates are for a minimum coverage policy.

We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Nationwide offers the cheapest insurance for Ohio drivers with a speeding ticket, with rates averaging $24 per month. See the table below to compare providers offering minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Nationwide is the cheapest car insurance provider for drivers with poor credit scores, offering a monthly rate of $24 and an annual rate of $294 for minimum coverage. Check the table below for more options from other providers.

These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Where you live matters a lot for car insurance costs. Cities differ in how much you pay, because of things like population density, flooding and crime rate.

Take Nationwide, for example. They charge $22 a month in Akron for minimum coverage, but in Cincinnati, it's $26. Look at the table below to see the cheapest insurance in your city and what you'd pay each month.

The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

If you're looking to bundle home and auto insurance in Ohio, State Farm is the most affordable option. In the table below you can view more cheap companies for bundling home and auto policies.

Rates are for a 40-year-old driver with good credit and no driving violations

In Ohio, the monthly average cost for full coverage car insurance is $68, while state minimum coverage is $30. Understanding the average cost of car insurance in Ohio helps you gauge if you're getting a fair deal on your auto insurance policy.

Ohioans, your city can change your insurance costs. See the average rates for minimum and full coverage in Ohio cities below.

Ohio ranks among the most affordable states for car insurance, with lower costs for residents. This is likely due to Ohio's moderate population density, fewer natural disasters, and a lower rate of vehicle thefts.

In Ohio, drivers must have car insurance policies that meet the state's minimum coverage limits. These limits include $25,000 for bodily injury liability per person, $50,000 per accident, and $25,000 for property damage liability per accident. 

If you finance or lease your car, you will likely have to buy comprehensive and collision insurance in addition to minimum liability coverages. Although a minimum liability auto insurance policy is the least expensive option, it offers the lowest amount of financial protection. Experts recommend driving with full coverage insurance with the highest deductible and liability limits you can afford.

Drivers with serious traffic violations on their records — such as speeding or drunk driving — may be required to file for SR-22 insurance, which can drive up your premium. Your insurance provider will submit the SR-22 form to the state, and it will be valid for two years from the date of your most recent offense.

In Ohio, a surety bond is a common alternative to traditional car insurance. This involves a three-party agreement where the bond company guarantees payment for damages up to the state's required amount, helping you meet Ohio's insurance requirements.

For business owners with a fleet of vehicles, self-insurance is an option. This means setting aside funds to cover potential damages, providing a tailored solution that aligns with state laws while potentially reducing costs.

MoneyGeek recommends that drivers get full coverage car insurance for better protection. This includes liability, collision, and comprehensive coverage. Here are the liability limits we suggest:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for damage to your car from things like theft, vandalism, or extreme weather when you're not on the road. Collision coverage, on the other hand, takes care of damages from accidents while driving.

If your car is valuable, it's wise to have both comprehensive and collision insurance, even though it's not required by law. Choose a deductible for these coverages that you can afford to pay before your insurance covers the remaining costs.

In Ohio, American Family has the cheapest full coverage at $40, and Nationwide wins for minimum coverage at $19. Cheap car insurance can be tempting, but it's not always the best. Experts say buy as much coverage as you can afford for top protection on the road.

MoneyGeek answers commonly asked questions about the cheapest car insurance in Ohio to ensure you get the right coverage for your situation.

MoneyGeek obtained Ohio auto insurance rates from the Ohio Department of Insurance and Quadrant Information Services. We examined 60,776 auto insurance quotes from 14 providers across 106 ZIP codes to determine the most affordable car insurance companies in Ohio.

Ohio Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Ohio:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model and military service where specified.

Standard Coverage Levels in Ohio

We compared car insurance companies in Ohio that offer both minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Ohio.

The minimum coverage liability limits in Ohio are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto 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