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.
- According to recent data, Grange Mutual offers the cheapest full coverage car insurance in Ohio at $82 per month.
- Ohio drivers with a clean driving record pay 34% less for car insurance than drivers with a DUI.
- In Ohio, the city of Fremont has the most affordable car insurance rates at $1,183 annually.
- Comparing price quotes from multiple insurers can help you save up to 31% per year on your car insurance policy in Ohio.
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 the lowest auto insurance premiums in Ohio?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 7% less than single drivers.
- Ohio drivers with clean records pay 34% less than drivers who have a DUI on their record.
- 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 liability-only coverage in Ohio
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Ohio, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 car insurance companies in Ohio for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Ohio based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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
Cheapest car insurance in Ohio by driving history
In Ohio, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Ohio, drivers with a history of such violations typically pay $479 more annually than drivers with clean records.
Cheap car insurance in Ohio after a speeding ticket
If you have a speeding ticket on your Ohio driving record and you are looking for cheap car insurance, Erie Insurance offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,112 per 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 in Ohio after an at-fault accident
If you’re a driver with an at-fault accident on your record, Nationwide is the cheapest option, offering car insurance at an average cost of $1,247 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,266.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased 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
Ohio cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Fremont is the city with the lowest premiums in Ohio at an annual auto insurance rate of $1,183.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Ohio cities with the lowest car 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 |
Explore the top 10 factors that influence car insurance rates
How much can you save on auto insurance in Ohio?
Shopping around for car insurance quotes in Ohio can help drivers save 31% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Ohio: Save on premiums
Car insurance discounts in Ohio can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Ohio.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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 |
Final thoughts on cheap car insurance in Ohio
Our research shows that Grange Mutual has the cheapest full coverage car insurance rates in Ohio for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Ohio, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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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