Which provider offers the most affordable Ohio car insurance?
If you are a driver in the Buckeye State, you want to know how to save money on Ohio car insurance. While there are several ways to lower your car insurance premiums, the best way to cut costs is to find Ohio car insurance with the cheapest rates. We have already evaluated the best car insurance companies in the industry. During our research, we were able to determine what auto insurance coverage would also be the cheapest for drivers in Ohio.
Here’s what we found while looking for the cheapest car insurance. To get matched with the best Ohio car insurance rates, use our tool below for a free, personalized quote.
In this article:
- Cheapest Car Insurance Companies In Ohio
- 5 Best Ohio Car Insurance Providers
- Ohio Car Insurance Requirements
- Alternate Car Insurance In Ohio
- Driving In Ohio
- How To Save Money On Ohio Car Insurance
Cheapest Car Insurance Companies In Ohio
According to our rate estimates for Ohio, USAA is the cheapest option for car owners. Nationwide, State Farm, and Erie follow close behind as affordable options for car insurance.
|Car Insurance Provider||Average Annual Cost Estimate|
How Much Does Ohio Car Insurance Cost?
According to the NAIC, Ohio car insurance rates in 2018 averaged $795 per year, which is significantly cheaper than the national average of $1,056. Here’s a breakdown of the coverage costs for car insurance in Ohio that year according to the Insurance Information Institute (III):
|Type Of Coverage||Average Annual Expenditure|
*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Ohio drivers actually spent on auto insurance in 2018.
Of course, the car insurance rates that you find will vary according to your situation. Your age, your zip code, your driving record, and more can affect auto insurance rates. Insurance is more expensive in populous areas, so if you live in a concentrated area of Cleveland, Cincinnati, or Columbus, you'll pay more for Ohio car insurance than somebody who lives further out in the suburbs or in a rural area.
Annual Ohio Car Insurance Estimates By Age
Age can be one of the biggest factors of car insurance rates in Ohio. A 24-year-old may pay up to 37 percent more than a 35-year-old in the state.
|Age||Ohio Annual Car Insurance|
Annual Ohio Car Insurance Estimates By Gender
Car insurance rates for both men and women don't differ much in Ohio. Men pay only 2 percent more for auto insurance than women.
|Gender||Ohio Annual Car Insurance|
Annual Ohio Car Insurance Estimates For Drivers With Bad Credit
Drivers with good credit can save up to 72 percent more for car insurance than drivers with fair or poor credit in Ohio.
|Credit Rating||Ohio Annual Car Insurance|
Annual Ohio Car Insurance Estimates For Bad Drivers
Having a clean driving record can reduce your car insurance rate by up to 62 percent compared to car owners with bad driving records.
|Driving Record||Ohio Annual Car Insurance|
5 Best Ohio Car Insurance Providers
In evaluating the best insurance company options, we found several companies that also suit the needs of drivers in Ohio. To determine which company fits your needs, you should consider several aspects. First, you should look at the provider’s reputation. You also want to examine customer service rankings and the cost of having a policy. From there, it’s good to research the available car insurance discounts and look at the additional perks.
We’ve already done all of that and found that these five providers would be perfect for car insurance in Ohio.
|Best Ohio Car Insurance||Motor1 Rating||Average Cost|
*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for Ohio car insurance.
#1 USAA Car Insurance: Our Top Pick For Ohio
If you are a military member in search of car insurance in Ohio, USAA generally offers the best rates. Aside from that, you will also qualify for coverage as a veteran or family member of someone in the service. USAA consistently provides low car insurance rates under a variety of circumstances.
While not everyone will be able to get Ohio auto insurance with USAA, it pays to look into the plans. In both the 2020 J.D. Power U.S. Auto Insurance Study and the 2020 U.S. Auto Claims Satisfaction Study, USAA excelled above the other options.
Take a look at what a USAA customer has to say about coverage.
“I've had USAA insurance, home and auto, for over 20 years, no problems. Last accident = forgiveness. They were very courteous.”
-D. Thomas via the Better Business Bureau (BBB)
Some of the company’s coverage options that set it apart include:
- Roadside assistance: Get peace of mind knowing that you are covered for towing, flat tire changes, fuel delivery, lockout service, and jump-starts. This optional coverage can be added on for a small fee.
- Accident forgiveness: When you pay for this program, your premiums won’t increase after your first at-fault accident. Then, remain accident-free for five years and USAA automatically adds it to your policy for free.
- Rental reimbursement: If your vehicle goes into the shop for repairs, you can utilize this optional coverage to get a rental car.
- Car replacement assistance: With this plan, you will receive 20 percent more than the actual value of your car after an accident.
- Gap insurance: If you finance your car, you will want to add this protection on, and many lenders require it. If your vehicle is declared a total loss, USAA ensures that the loan is paid off. Unfortunately, the company doesn’t provide this protection for leased vehicles, as some other providers do.
Glass coverage is not available with Ohio auto insurance from USAA. Still, the company not only provides cheap car insurance in most situations but also a variety of policy terms. If you can qualify, we believe you will find exceptional coverage through this insurer.
|Affordable rates and numerous discounts||Only available for military and their families|
|Good option for military members|
|Superior financial strength rating and A- rating from the BBB|
To learn more about the auto insurance provider, check out our review of USAA insurance.
#2 Geico Car Insurance: Runner-Up
For those of you that cannot get coverage through USAA, the next best option for auto insurance in Ohio would be Geico. The company has become known for its gecko mascot and “15 seconds will save you 15 percent or more” commercials. With all the popularity and money spent on advertising, it’s common to think that the Geico will have higher prices. Surprisingly, the provider actually ends up being one of the cheapest when comparing car insurance quote information.
The rates for Ohio auto insurance through Geico jump significantly if you have marks on your driving record or have bad credit. For this reason, Geico might only offer competitive rates if you have a good driving record and good credit score, but it doesn’t hurt to get a free quote and see what’s offered.
As far as reputation goes, Geico is one of the top options. Not only do the 2020 U.S. Auto Insurance Study and the 2020 U.S. Auto Claims Satisfaction Study show good scores, but Geico maintains an A+ rating from the BBB.
Let’s see what a Geico customer has to say about coverage.
“I've never had such a great insurance company. They have answered every question regardless of what time it was. They were with me every step of the way when our car was wrecked. They took care of everything.”
-Heather via Trustpilot
Additional policy options from Geico include:
- Accident forgiveness: Keep the same rate, even after an at-fault accident.
- Roadside assistance: Choose to add access to towing, jump-start services, a locksmith, and more.
- Rental car coverage: You can receive reimbursement for a rental car if your coverage includes it.
- Coverage for belongings: If your vehicle gets broken into, you can use the additional coverage to replace the stolen items.
- Glass coverage: Geico provides full glass protection against road debris or other objects that break your car’s windshield.
While Geico might not have the lowest car insurance rates in Ohio, it’s worth taking a few minutes to see what’s offered.
|Superior financial strength rating and A+ rating from the BBB||Average quotes experience|
|Many choices for coverage||Usage-based app not available in all states|
|High level of customer satisfaction|
|Available in 50 states|
To learn more about the auto insurance provider, check out our comprehensive Geico review.
#3 American Family Auto Insurance
Another company that we recommend for Ohio car insurance is American Family Insurance. This insurance provider is a good option for parents with teenagers who are starting to drive, for seniors, and for people who are looking to bundle multiple policies like home and auto insurance. The company offers several discounts, many of which are facilitated through the KnowYourDrive program. The program allows you to download an app that will keep track of your driving habits on which your discounts are then based.
In terms of customer satisfaction with the claims process, American Family ranked the highest in the Southwest region in the 2020 J.D. Power U.S. Auto Insurance Study. It also ranked third among mid-size insurers in the 2020 U.S. Insurance Shopping Study. That’s important to keep in mind when you’re trying to find a provider with great customer service.
|Ideal for young drivers or people who want to bundle multiple policies||Limited locations|
|Known for low rates||Negative reviews about claims process|
|Several discounts available|
|MyAmFam app to manage your account|
To learn more about the car insurance provider, check out our review of American Family auto insurance.
#4 Travelers Insurance
Travelers may not be as well known as Geico or USAA, but the company is a big player in the car insurance industry. Like most of its competition, it has an A+ rating with the BBB and an A++ financial strength rating from AM Best.
Along with basic coverage, you can receive the following through Travelers:
- Roadside assistance
- Rental car reimbursement
- Gap insurance
- New car replacement
- Accident forgiveness
Quotes are available online and by phone, but Travelers primarily works through independent agents. That can be a perk for drivers who want to form a personal connection with one agent.
|Superior financial strength rating and A+ rating from the BBB||Expensive coverage|
|Available in 43 states||Mixed customer service reviews|
|Long new car replacement coverage and new driver discounts|
|Fairly easy quote process|
To learn more about the car insurance provider, check out our review of Travelers insurance.
#5 Progressive Car Insurance
We also think Progressive is a great option for Ohio car insurance. Progressive came in fourth place in our ranking of national auto insurance companies overall, earning 4.5 out of 5.0 stars.
The auto insurer wrote over $31 billion in premiums in 2019, according to the National Association of Insurance Commissioners (NAIC), and is the third largest company for private car insurance. It has an A+ rating from AM Best, though it performed average on both of the J.D. Power studies mentioned above.
In addition to standard coverages, Progressive offers coverage options like roadside assistance, loan payoff, custom parts coverage, and insurance for rideshare drivers. The company has some decent car insurance discounts, too. You can lower your rate with the Snapshot app, and you can save $50 toward your deductible for each policy term you have without a claim.
|One of the top auto insurers in the United States||Average claims process|
|Superior financial strength rating and A- rating from the BBB||Mixed customer service reviews|
|Great choice for high-risk drivers||Higher rates than some competitors|
|Several money-saving features and easy quotes process|
To learn more about the car insurance provider, check out our full Progressive insurance review.
Enter your zip code in our tool below to start comparing Ohio car insurance quotes.
Ohio Car Insurance Requirements
Ohio law mandates a certain amount of auto insurance coverage for residents. Drivers must maintain a minimum of:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These car insurance terms only apply to the damage you cause to other people’s property. None of these minimums will cover what happens to your vehicle or your occupants as a result of an accident that you cause.
Each state dictates what type of auto insurance coverage is required. The majority of state-required auto insurance includes some form of bodily injury liability and property damage liability. Other states also require personal injury protection, uninsured motorist coverage, and underinsured motorist coverage.
A serious accident could quickly surpass Ohio's minimum liability auto insurance coverage requirements. If you don’t want to pay for the bills out of pocket, you should consider carrying more than the state minimum Ohio car insurance. There are a few optional coverages you could choose.
- Medical benefits
- Uninsured/underinsured motorist coverage
- Loan/lease payoff
- Rental car reimbursement
- Roadside assistance
Ohio is considered an at-fault state. This term means that whoever caused the accident is responsible for the damages. Typically, these damages are covered by the insurance company directly, unless the term limits don’t allow for compensation.
Alternate Car Insurance in Ohio
Some drivers are denied coverage in the voluntary market because of poor credit, a bad driving record, or other factors. In these situations, drivers must apply through the Ohio Automobile Insurance Plan.
There’s also the option to forgo car insurance if you can prove financial responsibility. You have two available choices.
- Leave a $30,000 deposit with the state treasury in bonds or cash.
- Purchase a bond from the Bureau of Motor Vehicles for $30,000 by using your property that contains equity of at least $60,000.
Driving In Ohio
Ohio boasts of more than 7.5 million licensed drivers. That statistic places the state seventh out of the entire nation. Among those drivers, 537,000 (7 percent) are under the age of 21.
In the state of Ohio, teen drivers are permitted to receive their probationary license at the age of 15 and a half. Then, the teen must complete a driver education class and finish 50 hours of driving. After six months, and these requirements are met, the young driver may get a license. Until the age of 18, teens must follow additional driving rules, including:
- No operation of a vehicle between midnight and 6:00 AM without a parent (in the first year). After the first year, this changes to 1:00 AM until 5:00 AM.
- Teens may only have one non-family member in the car without a parent (in the first year).
- Everyone must wear seat belts.
- No use of mobile phones is permitted.
Ohio also ranks right near the middle of the country in terms of road conditions. Not that long ago, Ohio was ranked as one of the top states to drive in. However, the state’s road conditions have significantly worsened. The bridges have also started to become deficient, which further reduces the state’s standing.
Despite this information, according to the III, Ohio auto insurance rates continue to be on the lower side when compared with other states. According to the Ohio State Highway Patrol, traffic fatalities were higher in 2019 than they were in 2018. Given this information and the decline of roadway conditions, auto insurance in Ohio might start to become more expensive.
How To Save Money On Ohio Car Insurance
If you want to save money on your Ohio auto insurance, we have some tips for you.
- Shop discounts: Each insurer offers its own set of discounts. Browse through to see which ones you can qualify for. Sometimes, you can get a better Ohio car insurance rate by choosing a higher-priced company that offers more discounts.
- Bundle your policies: If you already have renters or homeowners insurance, you should check with that provider first. Many companies offer a significant discount if you have multiple policies.
- Adjust your deductible: The deductible is the amount you will pay for your comprehensive and collision claims. The less you pay, the higher your premium will be and vice versa. If you can afford to pay more out of pocket during an incident, raise the deductible and save money on your premiums.
- Maintain a good credit score: You saw the difference good credit makes when it comes to car insurance costs. If you pay your bills on time, the insurance company will give you a lower rate.
- Be a safe driver: If you have a clean driving record, you will also get a lower cost. Some companies offer an app that monitors how you drive. If you maintain low speeds and don’t brake heavy, the company will give you a substantial discount. Consider looking at State Farm’s Drive Safe & Save Program for one.
- Consider your vehicle: If you drive a luxury sports car, you may not know how much that affects your Ohio car insurance rates. Providers must take into account the cost to repair your vehicle when determining the price of your policy. If you are planning to purchase a new or used vehicle, it helps to check with your insurance provider first.
Most importantly, we can’t emphasize enough how important it is to shop around. Cross-reference our top insurance providers guide and get a quote from at least three reputable options.
You can use our tool below to get the best Ohio car insurance rates in your area.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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