The cheapest full coverage car insurance in Ohio is $82 , saving you $36 compared to the average cost of insurance in the state, which is around $118 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Ohio, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- 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 rates in Ohio?
Grange Mutual has the cheapest full coverage car insurance in Ohio, at an average premium of $82 per month or around $986 per year, based on CarInsurance.com data.
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.
You might also be interested in
- Non-owner car insurance in Ohio: Find affordable rates
- Liability insurance for Ohio drivers
- Minimum car insurance requirements in Ohio
- Ohio car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Ohio?
- Car insurance for high-risk drivers in Ohio
- Cheap car insurance for seniors in Ohio
- Car insurance discounts in Ohio; 11% potential savings
- How much does car insurance cost in Ohio?
Who pays the lowest auto insurance premiums in Ohio?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
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 state minimum coverage in Ohio
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Ohio, you must have at least the following insurance coverage on your car.
| 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 Ohio insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, 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 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 table below shows the average annual rates from major insurance providers in Ohio, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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.
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
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.
Cheapest car insurance in Ohio after a DUI conviction
State Farm offers the cheapest car insurance to Ohio drivers with a DUI conviction at $1,166 per year and American Family has the second-cheapest insurance premiums at $1,419 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 34% less than those with a history of DUI.
| 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
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 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
Please enter the correct format
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 Which cities in Ohio have 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.
The city with the lowest auto insurance rates in Ohio is Fremont, at $1,183 per year.
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.
The table below shows a list of cities in Ohio with the most affordable 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 |
Learn about the 10 most important factors that affect 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 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
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
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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
Leslie Kasperowicz
Managing 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.
Ask the Insurance Expert
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