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.
- Among the companies analyzed by CarInsurance.com, Grange Mutual stands out as the cheapest option for full coverage car insurance in Ohio, with an insurance premium of $82 per month.
- Drivers in Ohio with a clean record pay 34% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Ohio is Fremont, with an annual premium of $1,183 .
- Ohio drivers can save up to 31% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance rates in Ohio?
Based on data analysis by CarInsurance.com, Grange Mutual provides the cheapest full coverage auto insurance rates for Ohio drivers at a monthly rate of $82 or $986 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Ohio.
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.
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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 Ohio companies for different coverage levels
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.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Ohio
In Ohio, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Ohio’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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.
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 policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and 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
Cheapest auto insurance in Ohio by driving history
Your driving history impacts insurance premiums in Ohio, as insurance companies use this factor to assess the risks associated with providing coverage for 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 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.
Cheapest car insurance in Ohio after a DUI conviction
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 companies in Ohio after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Nationwide, at $1,247 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Ohio cities with the lowest auto insurance rates
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
Fremont is the city with the lowest premiums in Ohio at an annual auto insurance rate of $1,183 .
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
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
By comparing car insurance quotes, you can save an average of 31% per year for a full coverage policy in Ohio.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Ohio: Save on premiums
In Ohio, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Ohio below.
| 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 findings, Grange Mutual provides the cheapest rates for a full coverage policy in Ohio if you have a good driving record.
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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Ohio