- Grange Mutual has the cheapest car insurance rates in Ohio for full coverage at $82 a month among the companies analyzed by the team of CarInsurance.com.
- In Ohio, drivers with clean driving records pay 34% less than drivers with a DUI.
- The city of Fremont has the lowest auto insurance rates in Ohio, with an average premium of $1,183 per year.
- You can save up to 31% per year on your car insurance policy in Ohio by comparing price quotes from multiple insurers.
The cheapest car insurance in Ohio costs $82 per month for a full coverage policy from Grange Mutual. That’s a $36 savings from the average cost of insurance in the state, which is $118 a month.
“Drivers looking to get the cheapest insurance premiums in Ohio should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Ohio including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest car insurance in Ohio?
Grange Mutual offers the cheapest car insurance rates in Ohio for a full coverage policy with an average premium of $82 per month or around $986 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Ohio by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Ohio per month
| Company | Full coverage monthly rates |
|---|---|
| Grange Mutual | $82 |
| Auto-Owners | $92 |
| Erie Insurance | $94 |
| Travelers | $111 |
| GEICO | $114 |
| Cincinnati Insurance | $135 |
| Progressive | $136 |
| Westfield Insurance | $139 |
| Farmers | $150 |
| Allstate | $162 |
| USAA* | $83 |
Note: USAA is only available to military community members and their families.
Who pays a lower insurance premium in Ohio?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
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[SKIP state=”MA|MI|MT|HI|NJ”]
- Married drivers pay 7% less than single drivers.
- Ohio drivers with clean records pay 34% less than drivers who have a DUI on their records.
- Ohio drivers in their 20s pay 62% lower rates for insurance than a 16-year-old in Ohio.
- Adding a teen to your policy will cost you 68% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 33% less on their insurance premiums.
- Drivers insured for three or more years can save up to 16% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 6% for this state more on their premiums.
Cheapest companies for different coverage levels in Ohio
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Grange Mutual is the cheapest for a state minimum policy.
- Grange Mutual has the cheapest rates for a liability-only policy (50/100/50).
- Grange Mutual offers the cheapest car insurance for a full coverage policy (100/300/100) in Ohio.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Ohio
Ohio requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Ohio, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Grange Mutual | $182 |
| Erie Insurance | $226 |
| Auto-Owners | $235 |
| Westfield Insurance | $325 |
| Travelers | $380 |
| Cincinnati Insurance | $404 |
| GEICO | $421 |
| Progressive | $452 |
| Farmers | $554 |
| Allstate | $582 |
| USAA* | $218 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Ohio
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Ohio, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Grange Mutual | $248 |
| Erie Insurance | $273 |
| Auto-Owners | $289 |
| Westfield Insurance | $385 |
| Travelers | $467 |
| Cincinnati Insurance | $483 |
| GEICO | $532 |
| Progressive | $533 |
| Allstate | $651 |
| Farmers | $771 |
| USAA* | $271 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Ohio
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Ohio from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Grange Mutual | $986 |
| Auto-Owners | $1,109 |
| Erie Insurance | $1,132 |
| Travelers | $1,336 |
| GEICO | $1,373 |
| Cincinnati Insurance | $1,624 |
| Progressive | $1,626 |
| Westfield Insurance | $1,673 |
| Farmers | $1,794 |
| Allstate | $1,942 |
| USAA* | $994 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Ohio, by driving history
Your driving history affects how much you pay for insurance in Ohio because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $479 more annually in Ohio than an individual with a clean driving record.
Cheap car insurance rates in Ohio after a speeding ticket
A speeding ticket can impact your Ohio car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Erie Insurance has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,112 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Erie Insurance | $1,022 | $1,112 | 9% | $90 |
| State Farm | $1,065 | $1,166 | 9% | $100 |
| Nationwide | $770 | $1,181 | 53% | $411 |
| Auto-Owners | $1,017 | $1,235 | 21% | $218 |
| American Family | $1,115 | $1,419 | 27% | $305 |
| Travelers | $1,034 | $1,561 | 51% | $527 |
| GEICO | $795 | $1,599 | 101% | $804 |
| Progressive | $1,310 | $1,642 | 25% | $332 |
| Farmers | $1,486 | $1,998 | 34% | $512 |
| Allstate | $1,747 | $2,186 | 25% | $438 |
| USAA* | $891 | $1,120 | 26% | $229 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Ohio
CarInsurance.com analyzed insurance rates for Ohio drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,166. American Family is the second-cheapest insurer at an average of $1,419 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 34% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,065 | $1,166 | 9% | $100 |
| American Family | $1,115 | $1,419 | 27% | $305 |
| Progressive | $1,310 | $1,500 | 14% | $190 |
| Nationwide | $770 | $1,555 | 102% | $785 |
| Travelers | $1,034 | $1,633 | 58% | $599 |
| Erie Insurance | $1,022 | $1,642 | 61% | $620 |
| GEICO | $795 | $1,882 | 137% | $1,087 |
| Auto-Owners | $1,017 | $2,037 | 100% | $1,020 |
| Farmers | $1,486 | $2,066 | 39% | $580 |
| Allstate | $1,747 | $2,425 | 39% | $678 |
| USAA* | $891 | $1,339 | 50% | $447 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Ohio
Nationwide is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,247.
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,266.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $770 | $1,247 | 62% | $477 |
| State Farm | $1,065 | $1,266 | 19% | $201 |
| Erie Insurance | $1,022 | $1,377 | 35% | $356 |
| Auto-Owners | $1,017 | $1,474 | 45% | $457 |
| Travelers | $1,034 | $1,517 | 47% | $483 |
| American Family | $1,115 | $1,567 | 41% | $452 |
| GEICO | $795 | $1,579 | 99% | $784 |
| Progressive | $1,310 | $2,061 | 57% | $751 |
| Farmers | $1,486 | $2,176 | 46% | $690 |
| Allstate | $1,747 | $2,811 | 61% | $1,063 |
| USAA* | $891 | $1,361 | 53% | $469 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Which cities in Ohio have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Ohio is Fremont, at $1,183 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Ohio with the lowest auto insurance rates.
| City | Full coverage annual rates |
|---|---|
| Fremont | $1,183 |
| Van Wert | $1,185 |
| St. Marys | $1,190 |
| Clyde | $1,198 |
| Coldwater | $1,205 |
| Celina | $1,208 |
| Ohio City | $1,208 |
| Middle Point | $1,209 |
| Findlay | $1,214 |
| Convoy | $1,216 |
A detailed guide on the 10 most important factors that influence car insurance rates
Average savings on car insurance in Ohio
If you compare car insurance quotes, you could enjoy an annual saving of around 31% on a full coverage policy in Ohio.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Ohio: Save on premiums
Ohio drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Ohio.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 2% | $21 |
| Daily commute | 7% | $97 |
| Days advanced purchase | 9% | $125 |
| Days per week driven | 6% | $95 |
| Education | 3% | $34 |
| Electronic funds transfer | 4% | $65 |
| Homeowner | 5% | $65 |
| Lower annual mileage | 5% | $53 |
| Loyalty – years renewal with company | 9% | $110 |
| Marital status | 7% | $91 |
| Multi policy | 8% | $115 |
| Paperless/electornic documents | 4% | $68 |
| Payment type | 8% | $121 |
| Primary use | 10% | $130 |
| Profession | 12% | $131 |
| Safety devices | 3% | $50 |
| Telematics | 11% | $166 |
| Years insured | 16% | $330 |
| Years licensed | 31% | $857 |
The bottom line on cheap car insurance in Ohio
Based on our research, if you are a good driver, Grange Mutual is the cheapest in Ohio for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Ohio is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Ohio for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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