Cheapest Car Insurance in Ohio (2024)
State Farm is usually the best choice for car insurance in Ohio, whether for full-coverage (an average rate of $840 a year) or for liability car insurance (an average of $309 a year).
While USAA does have a cheaper rate for liability-only car insurance, it’s only available to current and former members of the military and their families.
Savings Tips
You can save around $500 a year by comparing full-coverage car insurance quotes in Ohio.
State Farm, Erie and Geico all offer liability-only policies under $550 a year on average.
Drivers in Columbus and Cleveland can pay $1,520 and $1,550 a year respectively for a full-coverage policy.
Cheapest full-coverage car insurance in Ohio: State Farm
If you’re an Ohio driver looking for full-coverage car insurance, State Farm likely has the cheapest rate, averaging $840 a year. Erie is the next lowest average rate, at $929 a year.
For comparison, the average annual rate for full coverage in Ohio is $1,329 a year.
Cheapest companies for full-coverage car insurance
| Company | Average annual rate |
|---|---|
| State Farm | $840 |
| Erie | $929 |
| Geico | $1,245 |
| Progressive | $1,483 |
| Nationwide | $1,629 |
| Grange | $1,638 |
| Allstate | $1,988 |
| USAA* | $878 |
*USAA is only offered to military members and veterans as well as their families
Full-coverage car insurance isn’t a policy type — it’s a combination of standard liability car insurance with collision and comprehensive coverage.
Collision coverage handles repair costs to your own car after an accident. Comprehensive coverage takes care of damages from reasons other than collision, such as if you hit an animal or due to a fallen tree branch.
While Ohio law does not require drivers to carry full coverage, your lender will probably demand it if you lease or rent a car.
Cheapest Ohio liability coverage: State Farm
State Farm has the most affordable liability car insurance in Ohio, with an average rate of $309 a year. Erie is the next cheapest at $318 a year.
The average rate for minimum-liability car insurance in Ohio is $532 a year.
Cheapest companies for liability car insurance
| Company | Average annual rate |
|---|---|
| State Farm | $309 |
| Erie | $318 |
| Geico | $520 |
| Grange | $570 |
| Progressive | $685 |
| Nationwide | $754 |
| Allstate | $827 |
| USAA* | $270 |
Liability car insurance handles court costs, medical expenses and repairs for others involved in an accident where you’re responsible.
Cheapest rates for young drivers in Ohio: Erie
For teen drivers in Ohio, Erie has the lowest minimum-coverage car insurance rate with an average of $866 a year. State Farm is the next-most-affordable choice for young drivers, at $1,065 a year.
The average rate of minimum-coverage car insurance for teens in Ohio is $1,688 a year.
Cheapest liability car insurance companies for young drivers
| Company | Average annual rate |
|---|---|
| Erie | $866 |
| State Farm | $1,065 |
| Geico | $1,536 |
| Grange | $2,088 |
| Progressive | $2,259 |
| Allstate | $2,380 |
| Nationwide | $2,690 |
| USAA* | $618 |
Teens pay the highest rates for car insurance of all age groups. Car insurance companies consider teens to be high risk due to their inexperience driving, and raise their rates to offset the potential loss.
One potential way for young drivers to save on their insurance is to join their parents’ policy.
Cheapest rates after a speeding ticket in Ohio: State Farm
If you have a speeding ticket or similar traffic violation in Ohio, State Farm has the cheapest rate for full-coverage car insurance, at $918 a year. Erie is the next cheapest at $1,011 a year.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| State Farm | $918 |
| Erie | $1,011 |
| Geico | $1,574 |
| Progressive | $1,880 |
| Nationwide | $2,002 |
| Grange | $2,344 |
| Allstate | $2,458 |
| USAA* | $1,102 |
In Ohio, a speeding ticket stays on your driving record for two years. You will probably see higher insurance rates during that time.
Cheapest rates after an accident in Ohio: State Farm
Ohio drivers with an at-fault accident on their record will probably get the lowest full-coverage rates from State Farm, with an average of $995 a year. Erie is the next least expensive, at $1,159 a year.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| State Farm | $995 |
| Erie | $1,159 |
| Grange | $1,999 |
| Progressive | $2,102 |
| Geico | $2,343 |
| Nationwide | $2,377 |
| Allstate | $3,167 |
| USAA* | $1,264 |
Best rates after a DUI in Ohio: Erie
Drivers in Ohio convicted of driving under the influence (DUI) — also known as operating a vehicle while impaired (OVI) — might find the cheapest full-coverage car insurance with Erie, at an average of $1,522 a year.
Progressive is generally the next-cheapest choice at $1,710 a year, on average.
Cheapest car insurance companies after a DUI
| Company | Average annual rate |
|---|---|
| Erie | $1,522 |
| Progressive | $1,710 |
| State Farm | $1,881 |
| Grange | $2,621 |
| Allstate | $2,715 |
| Geico | $2,718 |
| Nationwide | $3,019 |
| USAA* | $1,313 |
A DUI stays on your driving record in Ohio permanently. This will have an effect on your car insurance rates.
Best Ohio rates for bad credit: Geico
Ohio drivers with poor credit may find the lowest rates for full-coverage car insurance with Geico, at an average of $1,866 a year.
Grange has the second cheapest average among major insurers, at $2,072 a year.
Best car insurance companies for drivers with bad credit
| Company | Average annual rate |
|---|---|
| Geico | $1,866 |
| Grange | $2,072 |
| Erie | $2,117 |
| Progressive | $2,410 |
| Nationwide | $2,436 |
| Allstate | $3,223 |
| State Farm | $3,667 |
| USAA* | $1,532 |
Auto insurance companies see a link between credit scores and the chances of filing a claim. The thought is that if you have a lower credit score, you are more likely to file a claim.
This is a controversial subject that is still being debated, and credit-based insurance scoring has been limited or even prohibited in some states.
Ohio insurance rates by city
Of the state’s 25 largest cities, Elyria, OH, enjoys the lowest average full-coverage rate, at $1,249 a year.
Cleveland, meanwhile, has the most expensive average rate of $1,550.
Car insurance rates by city in Ohio
| City | Annual |
|---|---|
| Akron | $1,458 |
| Beavercreek | $1,291 |
| Canton | $1,369 |
| Cincinnati | $1,516 |
| Cleveland | $1,550 |
| Columbus | $1,520 |
| Cuyahoga Falls | $1,321 |
| Dayton | $1,404 |
| Delaware | $1,312 |
| Dublin | $1,342 |
| Elyria | $1,249 |
| Euclid | $1,466 |
| Hamilton | $1,415 |
| Kettering | $1,315 |
| Lakewood | $1,360 |
| Lorain | $1,267 |
| Mansfield | $1,258 |
| Mentor | $1,267 |
| Middletown | $1,351 |
| Newark | $1,356 |
| Parma | $1,289 |
| Springfield | $1,290 |
| Strongsville | $1,268 |
| Toledo | $1,521 |
| Youngstown | $1,483 |
Minimum coverage for car insurance in Ohio
Ohio’s required liability car insurance coverage limits are:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of more than 800,000 car insurance quotes for sample drivers in every Ohio ZIP code. Your rates may vary.
Unless stated otherwise, our sample driver is a 30-year-old man with good credit and no tickets, accidents or DUIs driving a 2015 Honda Civic EX.
Minimum liability policies provide liability coverage with the state’s required minimum limits.
Full coverage policies include the following limits and deductibles:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Collision: $500 deductible
- Comprehensive: $500 deductible
*USAA is only available to current and former members of the military and their families.