You can find the cheapest full-coverage car insurance in Ohio for $82 a month from Grange Mutual. It saves you $36 compared to the state average car insurance cost of $118 monthly.
Shopping for car insurance in Ohio can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- 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.
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.
Ohio drivers who pay lower insurance premiums
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 insurers 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, you’ll see average annual rates for major insurance providers in Ohio, ranked from cheapest to most expensive for 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.
In the table below, see the average annual rates from Ohio’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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
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 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 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.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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
Cities with the lowest auto insurance rates in Ohio
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.
In Ohio, Fremont stands out as the city with the lowest auto insurance rates, at an average of $1,183 per year.
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.
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
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 |
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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