Who Has the Cheapest Auto Insurance Quotes in Ohio? (2023)
Erie has the best cheap car insurance quotes in Ohio — $23 per month for minimum liability coverage and $67 per month for full coverage.
Best cheap car insurance in Ohio
To find the best cheap auto insurance in OH, our editorial team gathered quotes from some of the largest car insurance companies in the state across every ZIP code. Quotes for minimum liability car insurance meet Ohio's state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $25,000 in property damage coverage. Quotes for full-coverage policies include higher liability limits than state minimums, plus collision and comprehensive coverage.
We also rated the best companies in OH based on affordability for different drivers, customer service reviews, convenience and coverage availability.
Cheapest car insurance quotes in Ohio: Erie
Erie has the cheapest minimum liability car insurance in Ohio. The company offers minimum coverage for $23 per month, which is $18 per month cheaper than the state average.
The average cost of car insurance in Ohio is $41 per month, or $496 per year, for minimum liability.
Find Cheap Auto Insurance Quotes in Ohio
USAA also offers cheap car insurance quotes to Ohio drivers. At $19 per month, minimum coverage from USAA costs $4 less per month than Erie. However, only military members, veterans and their families can buy car insurance from USAA.
Cheapest Ohio car insurance companies
Company | Monthly rate | |
|---|---|---|
| Erie | $23 |
| Progressive | $29 |
| Geico | $37 |
| Grange | $44 |
| Nationwide | $55 |
*USAA is only available to current and former military members and their families.
Cheap quotes make minimum liability car insurance an appealing option. However, the low coverage limits could end up costing you more in the long run if you cause an accident.
A minimum liability policy in Ohio only covers the other driver's injuries and property damage.
The minimum required limits are low, so you may not be completely protected in a major crash.
Additionally, minimum coverage does not include protection for damage to your car or injuries to you or your passengers. We recommend most drivers get full coverage car insurance so that you have enough protection to cover the cost of a major accident.
Cheapest full coverage car insurance in Ohio: Erie
Erie is the best cheap auto insurance company in Ohio for full coverage, with an average rate of $67 per month. Quotes from Erie are 38% cheaper than the state average and $10 less per month than the next-cheapest insurer, Geico.
Full coverage car insurance in Ohio costs $108 per month, or $1,300 per year, on average.
Company | Monthly rate |
|---|---|
| Erie | $67 |
| Geico | $86 |
| Progressive | $94 |
| Nationwide | $117 |
| Grange | $136 |
*USAA is only available to current and former military members and their families.
Full coverage car insurance quotes include bodily injury and property damage liability coverage, plus comprehensive and collision coverage. That means your car will be covered for damage due to an accident, weather, theft or vandalism, regardless of whose fault it is.
Cheap car insurance quotes for Ohio drivers with prior incidents
Erie has the best cheap quotes in Ohio for drivers with a speeding ticket, DUI or at-fault accident on their record.
Drivers with incidents on their record generally pay higher rates because insurance companies believe these drivers are more likely to make future claims.
Your credit score also helps determine how much you pay for car insurance in most states, even though it has nothing to do with your ability to drive safely.
Find Cheap Auto Insurance Quotes in Ohio
Cheapest car insurance after a speeding ticket: Erie
Erie has the best car insurance quotes in Ohio for drivers with a speeding ticket on their record. The monthly rate is $73 for a full coverage policy — $55 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| Erie | $73 |
| Geico | $108 |
| Progressive | $119 |
| Grange | $140 |
| Nationwide | $145 |
Speeding tickets raise the average cost of auto insurance in Ohio from $108 per month to $128, an increase of about 18%.
Cheapest car insurance quotes after an accident: Erie
Erie also offers the cheapest auto insurance quotes for drivers in Ohio with an at-fault accident. At $92 per month for full coverage, Erie is 42% cheaper than the state average and $53 less than the next-best option, Progressive.
Company | Monthly rate |
|---|---|
| Erie | $92 |
| Progressive | $145 |
| Geico | $160 |
| State Farm | $170 |
| Nationwide | $172 |
Just one accident on your driving record can lead to much higher car insurance quotes. In Ohio, rates go up by 47% after a single accident — an increase of $51 per month, on average.
Cheapest Ohio car insurance after a DUI: Erie
Erie has the cheapest car insurance rates for Ohio drivers with a DUI citation on their record. A full coverage policy from Erie costs $110 per month, which is 40% cheaper than average.
Company | Monthly rate |
|---|---|
| Erie | $110 |
| Progressive | $111 |
| Grange | $178 |
| Geico | $185 |
| Nationwide | $218 |
Insurance companies in Ohio increase rates by 68% after a DUI, on average. However, not all companies raise rates by the same amount. Erie increases car insurance rates by 64% after a DUI. On the other hand, drivers insured with Geico can expect an increase of 115%.
That's why it's important for drivers in Ohio to shop for the best car insurance quotes after a DUI.
Cheapest car insurance in OH for drivers with poor credit: Geico
Geico has the most affordable car insurance for drivers with bad credit in Ohio. The average quote from Geico is $128 per month for a full coverage policy, which is 31% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Geico | $128 |
| Erie | $153 |
| Progressive | $167 |
| Nationwide | $177 |
| Grange | $178 |
Drivers with poor credit have average full coverage auto insurance quotes of $186 per month, which is $78 more expensive per month than insurance for drivers with a good credit score.
Your credit score doesn't affect your driving ability, but it impacts your car insurance rates in Ohio. Statistics show that drivers with poor credit are more likely to make an insurance claim, making them a higher risk for insurance companies.
Cheapest car insurance quotes for young drivers in Ohio: Erie
Erie has the best cheap quotes for young drivers in Ohio, at $58 per month for a minimum liability policy.
Minimum coverage from Erie is 58% cheaper than the state average. It also has the most affordable full coverage policy for Ohio teens at $172 per month.
Cheapest Ohio car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $58 | $172 |
| Geico | $107 | $236 |
| Progressive | $120 | $355 |
| Grange | $175 | $499 |
| Allstate | $182 | $397 |
While Ohio is one of the most affordable states for auto insurance, young drivers still pay more for car insurance than adult drivers. The average cost of a minimum coverage policy for an 18-year-old is three times more expensive than the rate for a 30-year-old driver.
The best way for teen drivers to save money on car insurance is by sharing a policy with their parents, or an older relative. Good student and driver safety course discounts can also help young drivers reduce their rates.
We recommend full coverage for teen drivers, if they can afford it. Teens get into accidents more often than adult drivers, meaning they're more likely to benefit from having their insurance company pay for repairs on their car.
A minimum coverage policy costs $202 less per month. However, it could cost more in the long run if a teen gets into a serious accident and has to pay for repairs.
Cheapest car insurance for Ohio teen drivers after a ticket: Erie
Erie has the most affordable rates for young Ohio drivers with a speeding ticket on their record. Minimum coverage from Erie costs $69 per month, which is 55% cheaper than average in Ohio.
Company | Monthly rate |
|---|---|
| Erie | $69 |
| Geico | $119 |
| Progressive | $128 |
| Grange | $175 |
| Nationwide | $213 |
An 18-year-old driver in Ohio can expect their rates to go up by 12% after a single speeding ticket. However, your rate increase will vary by company. Allstate increases rates by 29% after a ticket — more than any other company in our study. On the other hand, Grange does not raise rates for young drivers after a single speeding ticket.
Cheapest auto quotes for young drivers after an accident: Erie
Erie also has the best quotes for young drivers who cause an accident. A minimum coverage policy from Erie costs $77 per month — $95 cheaper per month than the state average.
Company | Monthly rate |
|---|---|
| Erie | $77 |
| Progressive | $141 |
| Geico | $155 |
| Nationwide | $218 |
| Grange | $219 |
An at-fault accident will cause an 18-year-old drivers' quotes for minimum coverage to go up by 26%. Geico raises rates the most after an at-fault accident, with a 45% increase. Although drivers with Nationwide only get an 8% rate increase, its minimum coverage is still nearly $141 more expensive per month than Erie.
Cheapest car insurance quotes for married drivers in Ohio: Erie
Erie has the best auto insurance quotes for married couples in Ohio. Married drivers pay $62 per month if they take out a full coverage policy from Erie — 40% below the state average.
Company | Monthly rate per car |
|---|---|
| Erie | $62 |
| Progressive | $73 |
| Geico | $84 |
| Nationwide | $115 |
| Grange | $136 |
In Ohio, married drivers pay an average rate of $103 per month for full coverage, which is 5% less than unmarried drivers.
Tying the knot brings several financial benefits, including reduced auto insurance quotes. Insurance companies offer cheaper quotes for married drivers because they tend to get in fewer car accidents.
Many married couples can earn even lower rates through car insurance discounts like multicar and multipolicy discounts.
Best car insurance companies in Ohio
USAA is the best car insurance company in Ohio based on its cheap rates and high customer service scores.
However, not every Ohio driver can buy car insurance from USAA. It only sells policies to military members, veterans and their families.
Drivers that don't qualify for USAA should consider Erie — it offers dependable customer service at an affordable price.
Best Ohio car insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| Erie | 870 | A+ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
When comparing car insurance companies, choosing a company you can rely on is as important as finding the best rate.
A company with dependable customer service can help you get through the claims process quickly after an accident. On the other hand, poor customer service can make the process take much longer, and you could end up paying more out of pocket.
Average car insurance cost in Ohio by city
Rockford, a small village in western Ohio, is the cheapest city in the state for full coverage car insurance. Cleveland, Ohio’s second-largest city, is the most expensive.
Where you live can affect your car insurance rates as much as your driving habits, though it is less impactful in Ohio. There's only a $44 per month difference in the cost of full coverage car insurance between the most and least expensive cities.
Drivers in Rockford pay around $91 per month for full coverage, while those in Cleveland can expect to pay $135 per month.
Average cost of car insurance in OH by city
City | Monthly cost | % from average |
|---|---|---|
| Aberdeen | $110 | 2% |
| Ada | $98 | -9% |
| Adamsville | $108 | -1% |
| Addyston | $115 | 6% |
| Adelphi | $108 | 0% |
Ohio auto insurance laws and regulations
Ohio requires drivers to have a minimum amount of car insurance to legally drive in the state. These minimum insurance limits pay for the other driver's damage and injuries, and are sometimes displayed as 25/50/25.
Coverage | Limit |
|---|---|
| Bodily injury liability (BI) | $25,000 per person/$50,000 per accident |
| Property damage liability (PD) | $25,000 per accident |
Frequently asked questions
Which company has the cheapest car insurance in Ohio?
Erie has the cheapest car insurance quotes in Ohio. A minimum liability policy from Erie costs $23 per month, and full coverage costs $67 per month.
What's the average cost of car insurance in Ohio?
The average cost of car insurance in Ohio is $41 per month for minimum coverage and $108 per month for full coverage auto insurance.
Who has the best car insurance in Ohio?
USAA and Erie are the best car insurance companies in Ohio. They offer the best combination of cheap quotes, dependable customer service and useful coverage options.
How much is car insurance in Columbus, Ohio?
The average cost of a full coverage policy in Columbus, Ohio's largest city, is $125 per month — 15% higher than the state average. Drivers in Cleveland and Toledo pay higher rates in comparison, at $135 per month and $127 per month, respectively.
Is auto insurance cheaper in Ohio than in other states?
Auto insurance in Ohio is cheaper than in most other states. Ohio is the sixth cheapest state in the country for full coverage insurance, and the 15th cheapest for minimum coverage.
What are the Ohio minimum insurance requirements?
Ohio requires drivers to carry a minimum of $25,000 per person and 50,000 per accident in bodily injury liability coverage, along with $25,000 in property damage liability coverage.
Methodology
We collected thousands of quotes from every ZIP code in Ohio for the largest insurers in the state. Rates are based on a 30-year-old man with good credit that drives a 2015 Honda Civic EX.
Except where noted, all quotes are based on a full coverage policy with comprehensive and collision coverage with liability limits that are higher than the Ohio state requirements:
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Medical payments coverage | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.