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Why Compare Car Insurance Rates in Ohio:

  • On average, people who compare rates save about $970 a year on car insurance
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Ohio is a state as colorful as its citizens, with stunning scenery and world-class towns. It is a state that will always tempt you to take your car for a spin. Car insurance is mandatory in Ohio. Driving without auto insurance in Ohio carries penalties such as suspension of driving rights, fines, and having the vehicle towed. Driving privileges will be suspended for two years. License plates and car registration will also be suspended. Fees for reinstatement ranging from $150 to $650 will be charged.

When looking for and selecting the best Ohio auto insurance policy, you should weigh many factors, including your budget, the amount of coverage required, your driving record, any incentives you might be eligible for, and more. Drivers in Ohio face less risk on the road than drivers in other states. Still, you need an Ohio auto insurance policy that provides adequate coverage at a reasonable cost in the event you need to file a claim.

If you are looking for cheap insurance in Ohio, keep in mind that premiums vary depending on the insurer you choose. Certain carriers have lower rates than others. Please continue reading to see our top insurers' analysis to help you find the best car insurance in Ohio.


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Minimum Required Auto Insurance Coverage in Ohio

All states require you to buy auto insurance coverage before you can register your car. According to the Ohio Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $25000 ($50,000 for injuries resulting in death)
Bodily Injury Liability Coverage (per accident) $50000 ($100000 for injuries resulting in death)
Property Damage Liability $25000
Uninsured Motorist $25000 bodily injury per person $50000 bodily injury per accident

Cheapest Car Insurance in Ohio for Minimum Required Coverage

Carrying the bare minimum of auto insurance coverage may help you save money on your premiums, but it may end up costing you more in the long run if you're in an accident. After USAA, MetLife offers the cheapest minimum coverage prices in Ohio, while Allstate has the most expensive rates.

COMPANY AVERAGE ANNUAL RATE
USAA $599
MetLife $681
The General $729
Erie Insurance $768
Nationwide $777
State Farm $801
Esurance $819
American Family $849
Travelers $852
Statewide Average $860
Progressive $947
Farmers Insurance $993
Allstate $1,282

Do I Need More Than the Minimum Required State Coverage in Ohio?

It is always a good idea to purchase auto insurance that provides more coverage than the bare minimum to protect yourself financially. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term.

It is never a good idea to carry only the state-mandated minimums, which puts you and your investments in danger. Although Ohio's liability limitations are higher than some other states, this does not guarantee that you will be sufficiently protected. Raising your restrictions is nearly necessary, given how quickly medical expenditures can mount, especially if you damage more than one person.

This is also true for property damage coverage, as the $25,000 limit isn't enough to cover a new car's typical cost if you need to replace one.

To prevent being stuck footing the bill out of pocket, all drivers are strongly advised to increase these limitations. Bodily coverage is also your only option to protect your car.

See what you could save on auto insurance

Ohio Car Insurance Laws

Keep in mind that if you finance or lease a car, your lender or leasing company may have additional requirements.

In Ohio, liability insurance is required by law. This coverage compensates another motorist or passengers for personal harm, lost wages, and property damage. Please remember that your liability insurance does not cover your injuries or car damage.

PIP laws in Ohio

Medical payments insurance (MedPay) is a sort of optional coverage that pays for your medical bills up to the policy limit if you are injured in an accident, regardless of who was at fault. While you are still pursuing reimbursement from the at-fault driver, MedPay can ensure that your treatment is covered in the meanwhile.

Personal injury protection (PIP) is a similar type of insurance offered in some other states and covers medical expenditures and partial payment for lost income and other expenses. Because PIP isn't accessible in Ohio, the only option to receive compensation for non-medical expenses is through the other motorist's liability insurance.

In the case of an accident, having some no-fault coverage on your policy might give you peace of mind and stability. In the meantime, while your attorney pursues a lawsuit against the at-fault motorist, MedPay makes it easier to continue with medical care.

Auto Insurance Coverage Types

Like most states, Ohio has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.

To be lawful in Ohio, you merely need liability insurance. However, if you want to increase your insurance coverage and protection, look into these additional auto insurance coverage types.

Proof of Auto Insurance in Ohio

In Ohio, car insurance is required by law. These rules are in place to keep you and others safe when driving in Ohio. As a result, evidence of this coverage must be kept with you at all times while driving. Drivers who are caught driving without proof of insurance may face severe consequences.

The following are the penalties for driving without insurance in Ohio:

The first offense of driving without insurance:

  • Driver's license is terminated until all requirements are completed.
  • Vehicle registration and license plates have been revoked.
  • A $100 reinstatement charge plus a $50 penalty is required.
  • For 3 to 5 years, FR coverage (high risk) is required.

The second driving conviction without insurance:

  • The driver's license is canceled for a year.
  • Vehicle registration and license plates have been revoked.
  • A $300 reinstatement fee is required.
  • FR coverage (high risk) is necessary for 3 to 5 years at the cost of $50.

For subsequent offenses:

  • The driver's license is revoked for two years.
  • Vehicle registration and license plates have been revoked.
  • There is a $600 reinstatement cost plus a $50 penalty.
  • For 3 to 5 years, FR coverage (high risk) is required.

Average Cost of Auto Insurance Companies in Ohio

In addition to the location, Ohio car insurance rates are determined by several factors. Your premium is affected by your age, gender, marital status, car, and driving background. Other factors, including the number of miles driven and credit score, are also taken into account. Since each carrier gives different weight to each of these variables, comparing several carriers is even more critical to ensure you are getting affordable car insurance in Ohio for your financial situation.

The average Ohio driver pays $321 per year for minimum coverage and $1119 per year for full coverage auto insurance. Car insurance in Ohio is less expensive than the national average annual premium of $1738 for complete coverage. Ohio is the 39th most costly state for auto insurance.

Cheapest car insurance quotes for Ohio drivers

Drivers with a clean driving record in Ohio typically pay the lowest rates because they are less likely to be involved in an accident than those with traffic violations or accidents. According to our research, if you have a clean driving record, USAA and THE GENERAL have the lowest prices in Ohio, while Allstate has the most expensive rates.

COMPANY AVERAGE ANNUAL RATE
USAA $628
The General $763
Nationwide $773
Erie Insurance $803
State Farm $849
American Family $873
Statewide Average $896
Travelers $900
Progressive $1,011
Farmers Insurance $1,032
Allstate $1,324

Cheap car insurance in Ohio for young Ohio drivers

In Ohio, USAA has the best rates for young drivers.USAA Insurance minimum coverage costs $1,656 per year, 42% less than the state average. At $2,315 per year, State Farm also has the most affordable full coverage policy.

Even though Ohio is one of the most affordable states for automobile insurance, teenage drivers still pay more than adult drivers. We discovered that an 18-year-old driver's minimum coverage policy costs nearly four times as much as a 30-year-old driver's policy: $1,760 versus $481 per year.

COMPANY 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $3,992 $4,556
American Family $2,525 $2,739
Erie Insurance $1,946 $2,647
Farmers Insurance $6,311 $6,601
The General $2,216 $2,264
Nationwide $2,578 $3,379
Progressive $6,275 $6,944
State Farm $2,315 $2,906
Travelers $2,309 $2,859
USAA $1,656 $1,744
Statewide Average $3,211 $3,664

Cheap car insurance for Ohio drivers with a speeding ticket

After USAA, Erie Insurance has the cheapest car insurance rates in Ohio if you have a speeding ticket on your record. According to our research, Grange offers the most expensive premiums if you get a speeding ticket.

COMPANY AVERAGE ANNUAL RATE
USAA $771
Erie Insurance $826
Nationwide $896
American Family $909
The General $914
State Farm $915
Statewide Average $1,065
Travelers $1,181
Progressive $1,265
Farmers Insurance $1,349
Esurance $1,416
MetLife  $1,450
Allstate $1,620
West Field $1,709
Grange $2,273

Cheap auto insurance for Ohio drivers after a car accident

Accidents happen, and they can impact your auto insurance rates. If you have a driving record that includes an accident, American Family offers the most affordable car insurance in Ohio, while MetLife offers the most expensive coverage.

COMPANY AVERAGE ANNUAL RATE
American Family $919
USAA $922
State Farm $1,002
Erie Insurance $1,029
The General $1,113
Nationwide $1,216
Travelers $1,241
Statewide Average $1,251
Farmers Insurance $1,537
Progressive $1,587
Esurance $1,864
Allstate $1,943
MetLife $1972

Cheap car insurance quotes for Ohio drivers with a DUI

Expect to pay higher premiums for the next few years if you have a DUI on your record. For Ohio drivers with a DUI on their record, American Family has the cheapest rates, while MetLife has the most expensive.

COMPANY AVERAGE ANNUAL RATE
American Family $909
State Farm $915
USAA $916
Progressive $1,150
Erie Insurance $1,212
Statewide Average $1,277
Travelers $1,349
Farmers Insurance $1,472
Nationwide $1,483
The General $1,575
Esurance  $1,736
Allstate $1,787
MetLife $2,408

Cheap car insurance for married Ohio drivers

State Farm offers the most affordable auto insurance for married couples in Ohio. If married drivers purchase a full coverage policy from State Farm, they will spend $797 per year, or $66 per month, 40% less than the state average.

Company Monthly rate
State Farm $797
The General $905
Progressive $1,181
Nationwide $1,325
Erie $1,361
Westfield $1,421
Grange $1,769
Allstate $1,829

Cheap full coverage car insurance quotes for young drivers with an accident history

State Farm also boasts the best rates for teenage drivers who cause accidents, with minimal coverage costing $1265 per year, $864 less than the state average.

Company Monthly rate
State Farm $1,265
Erie $1,517
The General $1,601
Westfield $1,757
Allstate $2,321
Nationwide $2,657
Grange $2,849
Progressive $2,909

Compare car insurance rates in top Cities

The cheapest cities in Ohio for full coverage vehicle insurance are Findlay, Grover Hill, and

St. Marys, while the most expensive cities are St. Bernard, Youngstown, and Cleveland.

Your car insurance rates are influenced as much by where you live as they are by your driving habits. Between the most and least expensive cities in Ohio, the average annual cost of full coverage car insurance is only $542.

CityAnnual Rate
Aberdeen$1,409
Ada$1,265
Adamsville$1,397
Addyston$1,469
Adelphi$1,397
Adena$1,445
Akron$1,529
Albany$1,433
Alexandria$1,409
Alger$1,289
Alledonia$1,433
Alliance$1,337
Alpha$1,373
Alvada$1,205
Alvordton$1,241
Amanda$1,421
Amberley$1,493
Amelia$1,409
Amesville$1,457
Amherst$1,289
Amlin$1,457
Amsterdam$1,433
Andersonville$1,373
Andover$1,409
Anna$1,253
Ansonia$1,253
Antwerp$1,217
Apple Creek$1,313
Apple Valley$1,397
Aquilla$1,397
Arcadia$1,217
Arcanum$1,265
Archbold$1,277
Arlington$1,217
Arlington Heights$1,505
Ashland$1,289
Ashley$1,361
Ashtabula$1,349
Ashville$1,397
Athens$1,409
Attica$1,229
Atwater$1,349
Aurora$1,349
Austinburg$1,385
Austintown$1,445
Ava$1,409
Avon$1,313
Avon Lake$1,325
Bainbridge$1,409
Bakersville$1,361
Ballville$1,181
Baltic$1,373
Baltimore$1,409
Bannock$1,373
Barberton$1,349
Barnesville$1,397
Bartlett$1,481
Barton$1,373
Bascom$1,193
Batavia$1,397
Bay View$1,253
Bay Village$1,349
Beach City$1,349
Beachwood$1,517
Beallsville$1,445
Beaver$1,421
Beavercreek$1,337
Beaverdam$1,241
Beckett Ridge$1,445
Bedford$1,457
Bedford Heights$1,445
Beechwood Trails$1,397
Bellaire$1,385
Bellbrook$1,337
Belle Center$1,289
Belle Valley$1,421
Bellefontaine$1,277
Bellevue$1,253
Bellville$1,325
Belmont$1,409
Belmore$1,217
Beloit$1,313
Belpre$1,457
Bentleyville$1,409
Benton Ridge$1,181
Bentonville$1,469
Berea$1,313
Bergholz$1,433
Berkey$1,313
Berlin Center$1,385
Berlin Heights$1,253
Bethel$1,409
Bethesda$1,397
Bettsville$1,193
Beverly$1,409
Bexley$1,553
Bidwell$1,481
Big Prairie$1,373
Birmingham$1,265
Blacklick$1,481
Blacklick Estates$1,565
Bladensburg$1,385
Blaine$1,373
Blakeslee$1,241
Blanchester$1,361
Blissfield$1,433
Bloomdale$1,217
Bloomingburg$1,337
Bloomingdale$1,409
Bloomville$1,229
Blue Ash$1,457
Blue Creek$1,469
Blue Rock$1,433
Bluffton$1,217
Boardman$1,457
Bolindale$1,433
Bolivar$1,337
Boston Heights$1,325
Botkins$1,241
Bourneville$1,385
Bowerston$1,409
Bowersville$1,337
Bowling Green$1,229
Bradford$1,289
Bradner$1,229
Brady Lake$1,325
Bratenahl$1,589
Brecksville$1,325
Bremen$1,397
Brewster$1,349
Brice$1,529
Bridgeport$1,361
Bridgetown$1,529
Brilliant$1,385
Brimfield$1,325
Brinkhaven$1,385
Bristolville$1,409
Broadview Heights$1,349
Broadway$1,313
Brook Park$1,409
Brookfield$1,421
Brookfield Center$1,421
Brooklyn$1,445
Brooklyn Heights$1,385
Brookpark$1,505
Brookside$1,361
Brookville$1,349
Brownsville$1,409
Brunswick$1,277
Bryan$1,241
Buchtel$1,433
Buckeye Lake$1,397
Buckland$1,217
Bucyrus$1,241
Burbank$1,289
Burghill$1,421
Burgoon$1,205
Burkettsville$1,205
Burlington$1,493
Burton$1,409
Butler$1,349
Byesville$1,397
Cable$1,325
Cadiz$1,445
Cairo$1,241
Calcutta$1,349
Caldwell$1,433
Caledonia$1,325
Cambridge$1,385
Camden$1,385
Cameron$1,433
Camp Dennison$1,433
Campbell$1,529
Canal Fulton$1,337
Canal Winchester$1,481
Candlewood Lake$1,325
Canfield$1,361
Canton$1,397
Carbon Hill$1,433
Carbondale$1,433
Cardington$1,337
Carey$1,193
Carlisle$1,349
Carroll$1,433
Carrollton$1,397
Casstown$1,289
Castalia$1,253
Catawba$1,349
Cecil$1,229
Cedarville$1,337
Celina$1,205
Centerburg$1,385
Centerville$1,325
Chagrin Falls$1,421
Champion Heights$1,409
Chandlersville$1,409
Chardon$1,397
Charm$1,373
Chauncey$1,397
Cherry Fork$1,445
Cherry Grove$1,397
Chesapeake$1,505
Cheshire$1,493
Chesterhill$1,445
Chesterland$1,409
Chesterville$1,469
Cheviot$1,577
Chickasaw$1,193
Chillicothe$1,361
Chilo$1,421
Chippewa Lake$1,277
Chippewa Park$1,265
Choctaw Lake$1,361
Christiansburg$1,301
Churchill$1,469
Cincinnati$1,577
Cinnamon Lake$1,289
Circleville$1,385
Clarington$1,445
Clarksburg$1,361
Clarksville$1,373
Clay Center$1,277
Clayton$1,361
Cleveland$1,721
Cleveland Heights$1,565
Cleves$1,493
Clifton$1,337
Clinton$1,337
Cloverdale$1,217
Clyde$1,205
Coal Grove$1,457
Coal Run$1,445
Coalton$1,577
Coldstream$1,445
Coldwater$1,193
College Corner$1,373
Collins$1,265
Collinsville$1,469
Colton$1,253
Columbia Station$1,289
Columbiana$1,277
Columbus$1,565
Columbus Grove$1,217
Commercial Point$1,385
Conesville$1,397
Conneaut$1,373
Conover$1,301
Continental$1,241
Convoy$1,193
Coolville$1,433
Corning$1,457
Cortland$1,409
Coshocton$1,421
Covedale$1,553
Covington$1,289
Craig Beach$1,373
Creola$1,457
Crestline$1,241
Creston$1,277
Cridersville$1,229
Crooksville$1,433
Croton$1,421
Crown City$1,505
Crystal Lakes$1,325
Cuba$1,361
Cumberland$1,421
Curtice$1,289
Custar$1,241
Cutler$1,469
Cuyahoga Falls$1,349
Cuyahoga Heights$1,493
Cygnet$1,229
Cynthiana$1,445
Dalton$1,337
Danville$1,397
Darbydale$1,457
Day Heights$1,397
Dayton$1,457
De Graff$1,325
Deer Park$1,493
Deerfield$1,349
Deersville$1,409
Defiance$1,265
Delaware$1,373
Delhi Hills$1,553
Dellroy$1,409
Delphos$1,229
Delshire$1,565
Delta$1,325
Dennison$1,325
Dent$1,481
Derby$1,385
Derwent$1,397
Deshler$1,241
Devola$1,445
Dexter City$1,421
Diamond$1,385
Dillonvale$1,433
Dola$1,253
Donnelsville$1,349
Dorset$1,385
Dover$1,301
Doylestown$1,313
Dresden$1,409
Drexel$1,481
Dry Ridge$1,469
Dry Run$1,433
Dublin$1,409
Dunbridge$1,229
Duncan Falls$1,361
Dundee$1,361
Dunkirk$1,253
Dunlap$1,469
Dupont$1,229
East Canton$1,373
East Claridon$1,409
East Cleveland$1,565
East Fultonham$1,397
East Liberty$1,289
East Liverpool$1,349
East Palestine$1,313
East Rochester$1,301
East Sparta$1,361
East Springfield$1,385
Eastlake$1,325
Eaton$1,361
Eaton Estates$1,325
Edgerton$1,253
Edgewood$1,349
Edison$1,325
Edon$1,265
Eldorado$1,349
Elgin$1,205
Elida$1,253
Elkton$1,301
Elmore$1,217
Elmwood Place$1,577
Elyria$1,313
Empire$1,385
Englewood$1,313
Enon$1,337
Euclid$1,517
Evansport$1,241
Evendale$1,445
Fairborn$1,313
Fairfax$1,553
Fairfield$1,469
Fairfield Beach$1,409
Fairlawn$1,361
Fairpoint$1,373
Fairport Harbor$1,289
Fairview$1,433
Fairview Park$1,361
Farmdale$1,433
Farmersville$1,349
Fayette$1,289
Fayetteville$1,397
Feesburg$1,433
Felicity$1,409
Findlay$1,181
Finneytown$1,517
Five Points$1,349
Flat Rock$1,205
Fleming$1,457
Fletcher$1,289
Flushing$1,421
Forest$1,265
Forest Park$1,481
Forestville$1,421
Fort Jennings$1,217
Fort Loramie$1,277
Fort Recovery$1,205
Fort Shawnee$1,253
Fostoria$1,217
Four Bridges$1,433
Fowler$1,397
Frankfort$1,373
Franklin$1,349
Franklin Furnace$1,481
Frazeysburg$1,409
Fredericksburg$1,325
Fredericktown$1,385
Freeport$1,433
Fremont$1,181
Fresno$1,421
Friendship$1,469
Fruit Hill$1,457
Fulton$1,361
Fultonham$1,385
Gahanna$1,445
Galena$1,397
Galion$1,253
Gallipolis$1,481
Galloway$1,421
Gambier$1,397
Garfield Heights$1,553
Garrettsville$1,361
Gates Mills$1,409
Geneva$1,361
Geneva-on-the-Lake$1,361
Genoa$1,241
Georgetown$1,397
Germantown$1,349
Gettysburg$1,265
Gibsonburg$1,205
Girard$1,445
Glandorf$1,193
Glencoe$1,385
Glendale$1,493
Glenford$1,409
Glenmont$1,385
Glenmoor$1,349
Glenwillow$1,385
Gloria Glens Park$1,289
Glouster$1,421
Gnadenhutten$1,325
Golf Manor$1,589
Gomer$1,241
Goshen$1,409
Grafton$1,325
Grand Rapids$1,277
Grand River$1,301
Grandview$1,493
Grandview Heights$1,505
Granville$1,385
Granville South$1,385
Gratiot$1,397
Graysville$1,457
Graytown$1,229
Green$1,325
Green Meadows$1,337
Green Springs$1,205
Greenfield$1,373
Greenford$1,469
Greenhills$1,469
Greentown$1,349
Greenville$1,265
Greenwich$1,289
Grelton$1,265
Groesbeck$1,493
Grove City$1,457
Groveport$1,505
Grover Hill$1,181
Guysville$1,433
Gypsum$1,205
Hallsville$1,361
Hamden$1,469
Hamersville$1,421
Hamilton$1,481
Hamler$1,253
Hammondsville$1,409
Hannibal$1,433
Hanover$1,397
Hanoverton$1,313
Harbor Hills$1,385
Harbor View$1,397
Harpster$1,229
Harrisburg$1,445
Harrison$1,397
Harrod$1,253
Hartville$1,349
Harveysburg$1,373
Haskins$1,241
Haverhill$1,469
Haviland$1,205
Haydenville$1,445
Hayesville$1,289
Heath$1,385
Hebron$1,397
Helena$1,205
Hicksville$1,253
Higginsport$1,409
Highland Heights$1,433
Highland Hills$1,553
Highpoint$1,445
Hilliard$1,445
Hillsboro$1,397
Hinckley$1,289
Hiram$1,385
Hockingport$1,445
Holgate$1,265
Holiday Valley$1,325
Holland$1,349
Hollansburg$1,253
Holloway$1,397
Holmesville$1,361
Homerville$1,301
Homeworth$1,313
Hooven$1,493
Hopedale$1,421
Hopewell$1,397
Houston$1,289
Howard$1,397
Howland Center$1,433
Hoytville$1,217
Hubbard$1,421
Huber Heights$1,337
Huber Ridge$1,481
Hudson$1,325
Hunter$1,349
Hunting Valley$1,421
Huntsburg$1,397
Huntsville$1,277
Huron$1,253
Iberia$1,433
Independence$1,361
Irondale$1,397
Ironton$1,457
Irwin$1,337
Isle Saint George$1,253
Jackson$1,445
Jackson Center$1,253
Jacksontown$1,385
Jacksonville$1,445
Jacobsburg$1,421
Jamestown$1,337
Jefferson$1,397
Jeffersonville$1,325
Jenera$1,205
Jeromesville$1,313
Jerry City$1,217
Jerusalem$1,445
Jewell$1,241
Jewett$1,433
Johnstown$1,433
Junction City$1,421
Kalida$1,217
Kansas$1,217
Keene$1,409
Kelleys Island$1,241
Kensington$1,349
Kent$1,337
Kenton$1,265
Kenwood$1,457
Kerr$1,601
Kettering$1,349
Kettlersville$1,241
Kidron$1,337
Kilbourne$1,361
Killbuck$1,397
Kimbolton$1,421
Kings Mills$1,385
Kingston$1,361
Kingsville$1,373
Kinsman$1,421
Kinsman Center$1,421
Kipling$1,385
Kipton$1,313
Kirby$1,181
Kirkersville$1,397
Kirtland$1,313
Kirtland Hills$1,301
Kitts Hill$1,493
Kunkle$1,241
La Croft$1,349
La Rue$1,313
Lacarne$1,217
Lafferty$1,397
LaGrange$1,325
Laings$1,433
Lake Darby$1,457
Lake Lakengren$1,361
Lake Lorelei$1,397
Lake Milton$1,373
Lake Mohawk$1,385
Lake Waynoka$1,385
Lakemore$1,349
Lakeside$1,217
Lakeside Marblehead$1,217
Lakeview$1,265
Lakeville$1,361
Lakewood$1,421
Lancaster$1,385
Landen$1,397
Langsville$1,457
Lansing$1,373
Latham$1,433
Laura$1,277
Laurelville$1,421
Leavittsburg$1,421
Lebanon$1,361
Leesburg$1,361
Leesville$1,409
Leetonia$1,289
Leipsic$1,217
Lemoyne$1,253
Lewis Center$1,421
Lewisburg$1,373
Lewistown$1,277
Lewisville$1,445
Lexington$1,289
Liberty Center$1,277
Lima$1,265
Limaville$1,337
Lincoln Heights$1,517
Lincoln Village$1,517
Lindsey$1,205
Lisbon$1,301
Litchfield$1,277
Lithopolis$1,433
Little Hocking$1,445
Lockbourne$1,481
Lockland$1,517
Lodi$1,289
Logan$1,421
London$1,361
Londonderry$1,421
Long Bottom$1,481
Lorain$1,337
Lordstown$1,409
Lore City$1,409
Loudonville$1,337
Louisville$1,337
Loveland$1,397
Loveland Park$1,385
Lowell$1,433
Lowellville$1,421
Lower Salem$1,445
Lucas$1,337
Lucasville$1,445
Luckey$1,253
Ludlow Falls$1,277
Lynchburg$1,361
Lyndhurst$1,457
Lynx$1,469
Lyons$1,325
Macedonia$1,301
Mack$1,493
Macksburg$1,457
Madeira$1,457
Madison$1,301
Magnetic Springs$1,313
Magnolia$1,361
Maineville$1,397
Malinta$1,253
Malta$1,433
Malvern$1,385
Manchester$1,457
Mansfield$1,301
Mantua$1,361
Maple Heights$1,529
Maple Ridge$1,337
Maplewood$1,265
Marble Cliff$1,481
Marblehead$1,229
Marengo$1,385
Maria Stein$1,217
Mariemont$1,553
Marietta$1,445
Marion$1,313
Mark Center$1,253
Marne$1,397
Marshallville$1,301
Martel$1,301
Martin$1,265
Martins Ferry$1,373
Martinsburg$1,385
Martinsville$1,361
Marysville$1,313
Mason$1,385
Massillon$1,361
Masury$1,409
Maumee$1,337
Maximo$1,337
Mayfield$1,421
Mayfield Heights$1,433
Maynard$1,373
Mc Comb$1,205
Mc Cutchenville$1,217
Mc Dermott$1,457
Mc Guffey$1,289
McArthur$1,481
McClure$1,253
Mcconnelsville$1,397
McDonald$1,421
Mechanicsburg$1,325
Mechanicstown$1,397
Medina$1,277
Medway$1,325
Melmore$1,193
Melrose$1,217
Mendon$1,193
Mentor$1,301
Mentor-on-the-Lake$1,313
Metamora$1,325
Meyers Lake$1,385
Miami Heights$1,481
Miamisburg$1,325
Miamitown$1,409
Miamiville$1,433
Middle Bass$1,205
Middle Point$1,193
Middlebranch$1,349
Middleburg$1,277
Middleburg Heights$1,349
Middlefield$1,421
Middleport$1,469
Middletown$1,433
Midland$1,373
Midvale$1,301
Milan$1,229
Milford$1,373
Milford Center$1,325
Millbury$1,301
Milledgeville$1,433
Miller City$1,205
Millersburg$1,385
Millersport$1,421
Millfield$1,397
Milton Center$1,241
Mineral City$1,349
Mineral Ridge$1,421
Minerva$1,361
Minerva Park$1,577
Minford$1,481
Mingo$1,445
Mingo Junction$1,385
Minster$1,241
Mogadore$1,325
Monclova$1,325
Monfort Heights$1,517
Monroe$1,421
Monroeville$1,253
Montezuma$1,193
Montgomery$1,457
Montpelier$1,241
Montrose-Ghent$1,361
Montville$1,421
Moraine$1,409
Moreland Hills$1,433
Morgandale$1,433
Morral$1,313
Morristown$1,373
Morrow$1,385
Moscow$1,409
Mount Blanchard$1,217
Mount Carmel$1,397
Mount Cory$1,193
Mount Eaton$1,325
Mount Gilead$1,325
Mount Healthy$1,505
Mount Healthy Heights$1,505
Mount Hope$1,361
Mount Liberty$1,385
Mount Orab$1,385
Mount Perry$1,421
Mount Repose$1,397
Mount Saint Joseph$1,541
Mount Sterling$1,385
Mount Vernon$1,373
Mount Victory$1,265
Mowrystown$1,397
Moxahala$1,457
Mulberry$1,385
Munroe Falls$1,349
Murray City$1,445
Nankin$1,277
Napoleon$1,265
Nashport$1,397
Nashville$1,361
Navarre$1,337
Neapolis$1,301
Neffs$1,385
Negley$1,325
Nelsonville$1,397
Nevada$1,241
Neville$1,421
New Albany$1,385
New Athens$1,421
New Baltimore$1,397
New Bavaria$1,253
New Bloomington$1,301
New Boston$1,445
New Bremen$1,193
New Burlington$1,493
New Carlisle$1,313
New Concord$1,397
New Franklin$1,337
New Hampshire$1,241
New Haven$1,397
New Holland$1,349
New Knoxville$1,193
New Lebanon$1,373
New Lexington$1,445
New London$1,277
New Madison$1,265
New Marshfield$1,421
New Matamoras$1,469
New Miami$1,481
New Middletown$1,373
New Paris$1,301
New Philadelphia$1,301
New Plymouth$1,457
New Richmond$1,409
New Riegel$1,193
New Rumley$1,409
New Springfield$1,373
New Straitsville$1,421
New Vienna$1,361
New Washington$1,241
New Waterford$1,313
New Weston$1,265
Newark$1,385
Newburgh Heights$1,589
Newbury$1,421
Newcomerstown$1,373
Newport$1,433
Newton Falls$1,397
Newtonsville$1,397
Newtown$1,433
Ney$1,265
Niles$1,445
North Baltimore$1,217
North Bend$1,481
North Benton$1,337
North Bloomfield$1,409
North Canton$1,349
North College Hill$1,553
North Fairfield$1,301
North Georgetown$1,301
North Hampton$1,337
North Jackson$1,373
North Kingsville$1,361
North Lawrence$1,337
North Lewisburg$1,325
North Lima$1,361
North Madison$1,301
North Olmsted$1,325
North Perry$1,301
North Randall$1,565
North Ridgeville$1,301
North Robinson$1,241
North Royalton$1,337
North Star$1,265
North Zanesville$1,349
Northbrook$1,481
Northfield$1,301
Northgate$1,481
Northridge$1,361
Northwood$1,313
Norton$1,349
Norwalk$1,253
Norwich$1,385
Norwood$1,577
Nova$1,301
Novelty$1,421
Oak Harbor$1,217
Oak Hill$1,493
Oakwood$1,301
Oberlin$1,325
Obetz$1,577
Oceola$1,253
Ohio City$1,193
Okeana$1,409
Okolona$1,253
Old Fort$1,193
Old Washington$1,421
Olde West Chester$1,445
Olmsted Falls$1,301
Ontario$1,277
Orange$1,457
Orangeville$1,445
Oregon$1,349
Oregonia$1,373
Orient$1,433
Orrville$1,289
Orwell$1,421
Osgood$1,229
Ostrander$1,337
Ottawa$1,193
Ottawa Hills$1,457
Ottoville$1,217
Otway$1,481
Overpeck$1,433
Owensville$1,397
Oxford$1,373
Painesville$1,289
Palestine$1,253
Pandora$1,193
Paris$1,373
Park Layne$1,325
Parma$1,349
Parma Heights$1,337
Pataskala$1,409
Patriot$1,505
Paulding$1,217
Payne$1,205
Pedro$1,481
Peebles$1,457
Pemberton$1,253
Pemberville$1,229
Peninsula$1,313
Pepper Pike$1,433
Perry$1,301
Perry Heights$1,349
Perrysburg$1,289
Perrysville$1,337
Petersburg$1,373
Pettisville$1,409
Phillipsburg$1,337
Philo$1,373
Pickerington$1,409
Piedmont$1,409
Pierpont$1,409
Pigeon Creek$1,337
Piketon$1,409
Piney Fork$1,409
Pioneer$1,265
Piqua$1,265
Pitsburg$1,265
Plain City$1,349
Plainfield$1,409
Pleasant City$1,421
Pleasant Grove$1,349
Pleasant Hill$1,277
Pleasant Hills$1,481
Pleasant Plain$1,385
Pleasant Run$1,481
Pleasant Run Farm$1,481
Pleasantville$1,397
Plymouth$1,265
Poland$1,409
Polk$1,301
Pomeroy$1,469
Port Clinton$1,205
Port Jefferson$1,253
Port Washington$1,325
Port William$1,361
Portage$1,241
Portage Lakes$1,337
Portland$1,469
Portsmouth$1,445
Potsdam$1,301
Powell$1,385
Powhatan Point$1,421
Proctorville$1,493
Prospect$1,313
Put In Bay$1,205
Quaker City$1,433
Quincy$1,301
Racine$1,481
Radnor$1,361
Rarden$1,469
Ravenna$1,337
Rawson$1,205
Ray$1,457
Rayland$1,409
Raymond$1,301
Reading$1,505
Reedsville$1,481
Reesville$1,337
Reminderville$1,313
Reno$1,445
Republic$1,217
Reynoldsburg$1,469
Richfield$1,325
Richmond$1,397
Richmond Dale$1,373
Richmond Heights$1,445
Richville$1,361
Richwood$1,325
Ridgeville Corners$1,253
Ridgeway$1,265
Rio Grande$1,517
Ripley$1,409
Risingsun$1,205
Rittman$1,325
Riverlea$1,445
Riverside$1,385
Roaming Shores$1,397
Robertsville$1,361
Rock Camp$1,481
Rock Creek$1,397
Rockbridge$1,433
Rockford$1,193
Rocky Ridge$1,253
Rocky River$1,361
Rogers$1,349
Rome$1,397
Rootstown$1,337
Rosemount$1,445
Roseville$1,385
Rosewood$1,469
Ross$1,481
Rossburg$1,265
Rossford$1,313
Rossmoyne$1,481
Rudolph$1,241
Rushsylvania$1,301
Rushville$1,409
Russells Point$1,265
Russellville$1,409
Russia$1,277
Rutland$1,469
Sabina$1,313
Saint Johns$1,229
Saint Louisville$1,409
Saint Paris$1,325
Salem$1,289
Salem Heights$1,457
Salesville$1,409
Salineville$1,325
Sandusky$1,253
Sandyville$1,325
Sarahsville$1,421
Sardinia$1,385
Sardis$1,445
Savannah$1,277
Sawyerwood$1,349
Scio$1,445
Scioto Furnace$1,469
Sciotodale$1,445
Scott$1,193
Scottown$1,517
Seaman$1,457
Sebring$1,361
Sedalia$1,349
Senecaville$1,433
Seven Hills$1,361
Seven Mile$1,481
Seville$1,289
Shade$1,433
Shadyside$1,421
Shaker Heights$1,565
Shandon$1,445
Sharon Center$1,301
Sharonville$1,457
Sharpsburg$1,445
Shauck$1,457
Shawnee$1,445
Shawnee Hills$1,337
Sheffield$1,313
Sheffield Lake$1,313
Shelby$1,289
Sherrodsville$1,385
Sherwood$1,361
Shiloh$1,301
Shreve$1,349
Sidney$1,277
Silver Lake$1,325
Silverton$1,493
Sinking Spring$1,397
Sixteen Mile Stand$1,457
Skyline Acres$1,493
Smithville$1,289
Solon$1,385
Somerdale$1,325
Somerset$1,409
Somerville$1,421
South Amherst$1,289
South Bloomfield$1,397
South Bloomingville$1,445
South Canal$1,397
South Charleston$1,337
South Euclid$1,517
South Lebanon$1,397
South Point$1,493
South Russell$1,421
South Salem$1,385
South Solon$1,337
South Vienna$1,337
South Webster$1,469
South Zanesville$1,349
Southington$1,397
Sparta$1,373
Spencer$1,289
Spencerville$1,229
Spring Valley$1,361
Springboro$1,337
Springdale$1,481
Springfield$1,349
St. Bernard$1,637
St. Clairsville$1,397
St. Henry$1,193
St. Marys$1,181
Stafford$1,421
Sterling$1,301
Steubenville$1,385
Stewart$1,457
Stillwater$1,313
Stockdale$1,445
Stockport$1,433
Stone Creek$1,337
Stony Prairie$1,181
Stony Ridge$1,265
Stout$1,505
Stoutsville$1,409
Stow$1,325
Strasburg$1,325
Stratton$1,385
Streetsboro$1,349
Strongsville$1,325
Struthers$1,433
Stryker$1,241
Sugar Grove$1,397
Sugarcreek$1,337
Sullivan$1,301
Sulphur Springs$1,253
Summerfield$1,445
Summerside$1,397
Summit Station$1,421
Summitville$1,313
Sunbury$1,397
Swanton$1,325
Sycamore$1,229
Sylvania$1,349
Syracuse$1,493
Tallmadge$1,337
Tarlton$1,421
Taylor Creek$1,469
Terrace Park$1,385
The Plains$1,397
The Village of Indian Hill$1,457
Thompson$1,397
Thornport$1,409
Thornville$1,397
Thurman$1,493
Thurston$1,397
Tiffin$1,205
Tiltonsville$1,409
Timberlake$1,325
Tipp City$1,265
Tippecanoe$1,421
Tiro$1,253
Toledo$1,589
Tontogany$1,229
Toronto$1,397
Tremont City$1,337
Trenton$1,397
Trinway$1,409
Trotwood$1,457
Troy$1,277
Tuppers Plains$1,493
Turpin Hills$1,433
Tuscarawas$1,313
Twinsburg$1,289
Twinsburg Heights$1,289
Uhrichsville$1,325
Union$1,325
Union City$1,253
Union Furnace$1,445
Uniontown$1,337
Unionville$1,385
Unionville Center$1,349
Uniopolis$1,205
University Heights$1,553
Upper Arlington$1,457
Upper Sandusky$1,205
Urbana$1,337
Urbancrest$1,469
Utica$1,409
Valley City$1,289
Valley View$1,433
Valleyview$1,565
Van Buren$1,217
Van Wert$1,181
Vandalia$1,313
Vanlue$1,217
Vaughnsville$1,217
Venedocia$1,193
Vermilion$1,241
Verona$1,325
Versailles$1,265
Vickery$1,217
Vienna$1,421
Vincent$1,445
Vinton$1,481
Wadsworth$1,289
Waite Hill$1,313
Wakefield$1,433
Wakeman$1,301
Walbridge$1,313
Waldo$1,313
Walhonding$1,409
Walton Hills$1,421
Wapakoneta$1,205
Warnock$1,373
Warren$1,457
Warrensville Heights$1,541
Warsaw$1,433
Washington Court House$1,313
Washingtonville$1,289
Waterford$1,421
Waterloo$1,505
Waterville$1,277
Wauseon$1,313
Waverly$1,409
Waverly City$1,409
Wayland$1,361
Wayne$1,229
Waynesburg$1,373
Waynesfield$1,229
Waynesville$1,373
Wellington$1,313
Wellston$1,457
Wellsville$1,337
West Alexandria$1,373
West Carrollton$1,325
West Chester$1,421
West Elkton$1,421
West Farmington$1,409
West Hill$1,409
West Jefferson$1,349
West Lafayette$1,397
West Liberty$1,301
West Manchester$1,349
West Mansfield$1,313
West Millgrove$1,217
West Milton$1,277
West Point$1,301
West Portsmouth$1,457
West Salem$1,289
West Union$1,469
West Unity$1,241
Westerville$1,409
Westfield Center$1,301
Westlake$1,349
Weston$1,253
Westville$1,457
Wetherington$1,445
Wharton$1,217
Wheelersburg$1,445
Whipple$1,457
White Cottage$1,385
White Oak$1,493
Whitehall$1,589
Whitehouse$1,289
Wickliffe$1,313
Wilberforce$1,349
Wilkesville$1,469
Willard$1,277
Williamsburg$1,385
Williamsfield$1,397
Williamsport$1,373
Williamstown$1,217
Williston$1,277
Willoughby$1,313
Willoughby Hills$1,313
Willow Wood$1,517
Willowick$1,313
Willshire$1,205
Wilmington$1,361
Wilmot$1,337
Winchester$1,445
Windham$1,349
Windsor$1,409
Winesburg$1,361
Wingett Run$1,457
Winona$1,313
Wintersville$1,385
Withamsville$1,397
Wolf Run$1,421
Wolfhurst$1,361
Woodlawn$1,481
Woodmere$1,517
Woodsfield$1,445
Woodstock$1,325
Woodville$1,217
Wooster$1,277
Worthington$1,409
Wren$1,193
Wright-Patterson AFB$1,325
Wyoming$1,481
Xenia$1,337
Yellow Springs$1,337
Yorkshire$1,253
Yorkville$1,397
Youngstown$1,649
Zaleski$1,505
Zanesfield$1,301
Zanesville$1,349
Zoar$1,337

Cheap auto insurance in Ohio with bad credit

Company Avg. Annual Premium
Allstate $2,997
Farmers $2,105
The General $1,443
Progressive $2,053
State Farm $2,081
Travelers $1,553
USAA $1,631

Ohio auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,189 1% $10
One Med/PIP claim $1,219 4% $40
Not-at-fault accident $1,231 5% $52
One comp claim $1,260 7% $81
Two Med/PIP claims $1,264 7% $85
Two comp claims $1,295 10% $116
Driving without lights $1,324 12% $145
Failure to show documents $1,333 13% $154
Failure to wear a seat belt $1,340 14% $161
Child safety restraint $1,351 15% $171
Driving with expired registration $1,370 16% $191
Speeding 6 - 10 MPH over limit $1,420 21% $241
Speeding in school zone $1,420 21% $241
Driving too slowly $1,421 21% $241
Speeding 11 - 15 MPH over limit $1,422 21% $243
Wrong way/wrong lane $1,429 21% $250
Following too closely $1,429 21% $250
Failure to yield $1,429 21% $250
Illegal turn $1,429 21% $250
Cell phone violation $1,432 22% $253
Texting while driving $1,435 22% $256
Failure to stop at a red light $1,438 22% $249
Improper passing $1,440 22% $261
Speeding 16 - 20 MPH over limit $1,445 22% $266
Passing school bus $1,478 25% $299
At-fault accident - less than $1000 $1,491 27% $312
Speeding 21 - 25 MPH over limit $1,545 31% $366
In 65 MPH zone $1,631 39% $452
Operating a vehicle without permission $1,714 46% $535
At-fault accident - $1000-$2000 $1,724 46% $545
At-fault accident - greater than $2000 $1,739 48% $560
Open container $1,874 59% $695
Reckless driving $2,192 86% $1,013
Racing $2,227 89% $1,048
Refusal to submit to a chemical test $2,296 95% $1,117
Driving with a suspended license $2,293 96% $1,124
DUI $2,321 97% $1,142
Leaving scene of an accident/hit and run $2,384 102% $1,205

Auto insurance pricing trends in Ohio

Year Avg. Annual Premium — Ohio Yearly change — Ohio Avg. Annual Premium — U.S. Yearly change — U.S.
2021 $1,018 $112 $1,539 $56
2020 $936 -$88 $1,493 -$51
2019 $1,034 -$18 $1,554 $33
2018 $1,062 $694 $1,531 $94
2017 $1,746 $298 $1,447 $79
2016 $1,458 -$19 $1,378 $98
2015 $1,487 $56 $1,290 $61
2014 $1,441 $186 $1,239 $44
2013 $1,265 $27 $1,205 -$70
2012 $1,248 $58 $1,286 $92

See what you could save on auto insurance

How to find the best car insurance in Ohio

Everyone's car insurance is different, and it's dependent on a variety of factors. Consider these variables when looking for cheap full coverage car insurance in Ohio for you.

  • What are your requirements?: When you're ready to shop for an Ohio insurance company, compare rates for the make and model of car, you choose to buy. To compare rates, contact as many insurance firms as possible. Consider raising the deductibles to lower your premium and save money. Consider dropping high-cost coverages like comprehensive and crash if you have an older car.
  • Consider your state’s requirements: Ohio is regarded as a culpable state. This ensures that the insurer of the driver who causes the accident is required to cover all crash costs incurred by the other driver. To decide who is at fault, drivers must obtain a police report and photographs of the crash and file a claim with insurance agencies, who will investigate the car damages.

The expert analysts at Way.com performed an annual survey of the best car insurance companies in Ohio to see which ones have the best coverage, rates, and service. The survey assigns points to insurance firms based on how well they handle billing and policy details, claims management, customer engagement, policy offerings, pricing, and overall customer satisfaction.

How to Get Discounts on Car Insurance in Ohio

You'll want to compare auto insurance discounts after you've shopped around and narrowed down the firms you're able to partner with. Compare not just the amount of discounts a business provides, but also the discounts you'll get after you enter. You will need to call and talk with a representative about the exact sum to get cheap car insurance in Ohio.

Compare the benefits you'd get from raising the deductible after you've done the homework of shopping around and evaluating discounts. Although a high deductible means a lower payout, the cost differential between a low and a high deductible may be substantial if you choose this route and set aside some money if you are involved in a severe accident.

Many Ohio residents will seek out cheap auto insurance Ohio. But a reasonable price and a good provider are possible. The companies that deliver the lowest premiums often happen to be the best car insurance companies in Ohio.

Remember that discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Who has the cheapest car insurance in Ohio?

The General is the cheapest Ohio car insurance provider with maximum coverage, with an annual rate of $1029, 34% less than the state average. State Farm and Nationwide are the second most affordable auto insurers with a complete coverage scheme.

What is the average cost of auto insurance in Ohio?

The average cost of car insurance annually in Ohio is $1037, 27.3 percent less than the national average.

What is the best car insurance in Ohio?

The General is known for its low prices, but it also has a high customer satisfaction rating. Besides, the company offers a variety of extra discounts that further reduce the already-low premiums.

How much is full coverage insurance in Ohio?

The average annual cost of car insurance in Ohio is $1037, 27.3 percent less than the national average.

What is Ohio’s minimum insurance coverage?

The state of Ohio's minimum insurance policy to legally operate a motor vehicle is as follows: Liability compensation for bodily damage is $25000 per person and $50000 per accident. Liability coverage for property loss is $25000 per accident.

Is collision insurance required in Ohio?

Drivers in Ohio are required by law to have liability insurance. However, it's always a good idea to look at other coverage options to protect yourself and your car. Collision insurance: Collision insurance is another type of physical damage coverage that protects the vehicle in a collision with another vehicle or a stationary object.

Who has the best homeowners insurance rates in Ohio?

Cincinnati Insurance has the best homeowners insurance rates in Ohio.

What happens if you get pulled over without insurance in Ohio?

Driving without auto insurance in Ohio carries penalties such as suspension of driving rights, fines, and having the vehicle towed. Driving privileges will be suspended for two years. License plates and car registration will also be suspended. Fees for reinstatement ranging from $150 to $650 will be charged.

What year did car insurance become mandatory in Ohio?

In general, auto insurance became required in 1927. Connecticut was the first state to sell auto liability insurance in 1925.

Is Ohio a no-fault state for auto insurance?

When dealing with insurance claims, it is essential to remember that Ohio is not a no-fault state. In general, auto accident victims in at-fault states like Ohio must file a claim on the at-fault driver's insurance.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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