How to Compare Car Insurance Quotes 2024
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheapest Car Insurance in Ohio (2024)

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Content was accurate at the time of publication.

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.

Find the Cheapest Car Insurance Quotes in Your Area

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

CompanyAverage annual rate
State Farm$840
Erie$929
Geico$1,245
Progressive$1,483
Nationwide$1,629
Grange$1,638
Allstate$1,988
USAA*$878

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.

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

CompanyAverage 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.

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

CompanyAverage 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.

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

CompanyAverage 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.

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

CompanyAverage 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

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

CompanyAverage 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.

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

CompanyAverage 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.

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

CityAnnual
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

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.