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.

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Table
CompanyAM BestJD PowerNAICAverage annual premiumInsurance.com score
Auto-OwnersA++8330.5$1,1093.87
Erie InsuranceA+8440.61$1,1323.67
TravelersA++8060.49$1,3363.24
Grange MutualB++8380.72$9863.19
GeicoA++8310.91$1,3732.92
ProgressiveA+8160.65$1,6262.67
AllstateA+8220.65$1,9422.4
FarmersA8160.8$1,7942.36
Westfield InsuranceA8331.08$1,6732.31
Data updated in 2024
Read our 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
Data updated in 2024
Read our methodology

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

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 methodology

The Ohio Department of Insurance says...

Most insurance companies assume every licensed driver in your household could drive your car. So even if only one of the family's five drivers has a bad driving record, this could impact the cost of insurance for all of the family members.

- The Ohio Department of Insurance

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
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
Data updated in 2024
Read our methodology

*USAA offers coverage only to military veterans and their family

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
USAA$4,002$333
Geico$4,211$351
Travelers$6,378$531
Progressive$9,761$813
Allstate$10,078$840
Farmers$13,069$1,089
Data updated in 2024
Read our methodology
Yearly premium

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

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
Data updated in 2024
Read our methodology

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

Compare auto insurance rates by city in Ohio

Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Ohio will impact what you pay. Below, we've gathered Ohio car insurance rates by city for comparison.

CityAnnual insurance premium
Cincinnati
$1,608
Cleveland
$1,643
Columbus
$1,597
Dayton
$1,476
Data updated in 2024
Read our methodology

Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.

We've tracked car insurance premium trends in Ohio to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.

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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