Let’s talk about saving money on your Ohio auto insurance.

Advertiser Disclosure

Those who drive in Ohio are required to carry auto insurance in order to hit the open road in the Buckeye State. If you’re looking for car insurance quotes in Ohio, you first want to know about the minimum coverage required by law, how to get the best premium, and which car insurance companies are the best in the state.

Whether you are new to car insurance or looking to switch providers, we encourage you to get auto insurance quotes from several different providers and compare them to be sure you’re getting coverage for the best possible price. To give you an overview of car insurance providers, our review team evaluated 30 of the best auto insurance providers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top picks.

Read on to learn more, and fill out the simple quote form below to start comparing Ohio car insurance quotes. Or call (855) 518-0148 for free, personalized quotes. 

 
 

In this article:

Ohio Auto Insurance Minimum Requirements

Every state has different car insurance requirements. Drivers in Ohio should know that the minimum required liability auto insurance (BI/PD) in the state is 25/50/25. That means in order to legally operate a vehicle in Ohio, drivers must carry:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident

It’s generally a good idea to buy more than the minimum insurance. Additional coverage options offered by major providers in Ohio may include:

  • Collision insurance
  • Comprehensive auto insurance
  • Uninsured/underinsured motorist coverage (UM/UIM)
  • Medical payments (MedPay)
  • Towing and roadside assistance
  • Rental car reimbursement

Ohio is an at-fault state, meaning the driver who caused the accident is held financially responsible to pay for property damage and injuries.

Factors That Affect Car Insurance Quotes In Ohio

Your car insurance rates depends on many things, including which provider insures you, the coverage you choose, and your personal and vehicle information. Some things that affect the cost of Ohio car insurance quotes include:

  • Your driving record
  • Age, location, gender, and marital status
  • Where your car is kept
  • Your credit score
  • Year, make, and model of your vehicle

How Much Is Car Insurance In Ohio?

On average, car insurance in Ohio costs less than the national average. The National Association Of Insurance Commissioners reported that Ohio drivers spent around $770.80 per year in 2017 – which was much less than the average of $1,004.68 nationwide.

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 in 2017
Liability coverage $438.68
Collision coverage $297.50
Comprehensive coverage $128.46
Total cost $777.80
 

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

Enter your zip code in the tool below to collect and compare quotes from providers available in your state. For an easier process, call (855) 518-0148 to get free quotes and start saving money.

 

How To Get The Cheapest Car Insurance Coverage In Ohio

Liability coverage can be affordable when you know what steps to take to get better car insurance rates and save money. Most major auto insurance providers offer discounts for the following:

  • Good drivers
  • Good students
  • Having multiple vehicles
  • Having anti-theft devices
  • Taking defensive driver courses

Besides discounts, you might consider improving your credit score over time to see cheaper car insurance quotes in Ohio. Data from the Federal Trade Commission found a relationship between drivers with lower credit scores and the higher number of claims those drivers file. Because of these findings, many insurance companies take a customer’s credit score into consideration when determining the price of premiums.

What If I Can’t Afford The Minimum Insurance In Ohio?

In Ohio, it’s illegal for drivers to operate a vehicle without car insurance. If a driver is caught operating a vehicle without proof of insurance in Ohio, they will face serious penalties. Drivers can lose their license, registration, and plates until they can provide proof of insurance. There is also a reinstatement fee drivers must pay ($100) to get their license, registration, and plates back. Plus, drivers will have to obtain a high-risk auto insurance policy for at least three years.

If drivers are caught for a second time driving without insurance, their license, registration, and plates will be suspended for one year. This time, the reinstatement fee to get your license, registration, and plates back will be $300. Three or more offenses will result in a two-year suspension of your license, registration, and plates, as well as a $600 reinstatement fee.

If a driver is caught in an accident and unable to prove they are insured, the driver could be facing serious consequences like a security suspension of two years or more and indefinite judgement suspension. If the report includes property damage that costs more than $400, a security suspension will be placed in all uninsured driving records until a full payment or payment agreement has been reached.

Recommendations For Ohio Car Insurance Quotes

Whether you are trying to drive to the Rock and Roll Hall of fame or Cedar Point, if you’re an Ohio resident shopping for new car insurance, it’s smart to get quotes from multiple providers to ensure you’re getting the best deal on your coverage. We recently reviewed the best auto insurance providers nationwide, and in Ohio, USAA and Geico, are among our top recommendations. 

USAA Insurance logo

#1 USAA Car Insurance: Our Top Pick For Ohio

USAA generally offers the best auto insurance rates if you are a military member in Ohio. You can also qualify for coverage as a family member of someone in the service or as a veteran. 

USAA stood out among other providers in both the 2019 J.D. Power U.S. Auto Insurance Study and the 2019 U.S. Auto Claims Satisfaction Study. The company's coverage options that make it a top provider include:

  • Roadside assistance: You will be covered for towing, flat tire changes, fuel delivery, lockout service, and jump-starts. For a small fee,this optional coverage can be added on.
  • Accident forgiveness: When you pay for this program, your premiums won’t increase after your first at-fault accident. USAA will automatically add this on to your policy for free if you remain accident-free for five years. 
  • Rental reimbursement: If your car is in the shop for repairs, you can benefit from this optional coverage to get a rental car.
  • Car replacement assistance: Following an accident, you will receive 20 percent more than the actual value of your car with this plan.
  • Gap insurance: Many lenders require gap insurance if you finance your car. USAA will guarantee that the loan is paid off, even if your vehicle is declared a total loss. However, USAA doesn’t provide this protection for leased vehicles, as some other providers do.

While glass coverage is not provided with USAA auto insurance in Ohio, the company offers various policy terms and cheap car insurance across most situations. If you qualify, we think you will find exceptional coverage with USAA.

Pros Cons

Affordability

Only available to military members, veterans, or family

Excellent customer service

 

High number of coverage options

 

Good for military families

 

Offers several additional policies

 

 

To learn more about the auto insurance provider, check out our review of USAA insurance.

 

Geico Insurance logo

#2 Geico Car Insurance: Runner-Up

If you can't qualify for coverage with USAA, Geico is the next best option for car insurance in Ohio.After doing our research on Geico car insurance, we named the company best overall with 4.5 out of 5.0 stars. Geico has a strong reputation among auto industry experts. AM Best rates Geico’s financial strength at A++ (Superior), and the Better Business Bureau (BBB) gives Geico an A+.

Geico is one of the cheapest car insurance providers, but your rates can significantly increase if you have bad credit or a poor driving record. 

Geico has car insurance policies available in all 50 states, plus competitive discount opportunities for a variety of groups including good drivers and military personnel. Make sure to ask which discounts you qualify for when you reach out for a quote. Geico also offers additional policy add-ons, including:

  • Accident forgiveness: Customers can maintain 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: If your coverage includes it, you can receive reimbursement for a rental car.
  • Coverage for belongings: If you opt into this additional coverage, your stolen items can be replaced if your vehicle gets broken into.
  • Glass coverage: Geico provides complete glass protection against road debris or other objects that damage your vehicle’s windshield. 
Pros Cons

Excellent service

Rates higher than USAA

Affordability

Average quotes experience

Second largest company in the nation

 

Good for students and military

 

Accident forgiveness

 

Offers several additional policies

 
 

Although the rates might be more expensive with Geico, we recommend looking into this provider. To learn more about the auto insurance provider, check out our comprehensive Geico review.

American Family Insurance logo

#3 American Family Insurance

We find American Family Insurance to be a good option for parents with teens just starting to drive, seniors, or for drivers who want to bundle insurance policies like home and auto insurance. Many discounts are offered through the KnowYourDrive program which tracks your driving habits and determines discounts based on driving behavior. 

American Family ranks lower in terms of customer service with the claims process. In J.D. Power’s 2019 U.S. Auto Insurance Study, the provider only received 2.0 out of 5.0 stars in the Central United States and 3.0 out of 5.0 stars in the North Central region. It's important to keep in mind how the company rates in customer service when you're looking for the right provider. 

Pros Cons

Affordability

Poor customer service, depending on your location

Discounts for bundling insurance

 

Easy claims process

 

Unique car insurance discounts

 

Good for teens and seniors

 

 

To learn more about the car insurance provider, check out our review of American Family auto insurance.

Travelers Insurance logo

#4 Travelers Insurance

While not as well known as Geico or USAA, Travelers is still a notable contender in the auto insurance industry. With an A++ financial strength rating from AM Best and an A+ rating with the BBB, this provider ranks well amongst the competition.

In addition to basic coverage, you can receive additional coverage with Travelers Insurance, including:

  • Roadside assistance
  • Rental car reimbursement
  • Gap insurance
  • New car replacement
  • Accident forgiveness

While Travelers primarily works through independent and personalized agents, customers can also obtain quotes online or on the phone. 

Pros Cons

Can file claim with local agent or online, based on preference

Can be more expensive than competitors
Strong financials  
Long-standing reputation  
Comprehensive coverage options  
Good choice for teens and students  
 

To learn more about the car insurance provider, check out our review of Travelers insurance.

Progressive Insurance logo

#5 Progressive Car Insurance

Progressive is another great option for car insurance in Ohio. We rank Progressive as number four in our ranking of national auto insurance companies overall, giving it 4.5 out of 5.0 stars. 

In 2018, this provider wrote $27 billion in premiums according to the National Association of Insurance Commissioners (NAIC), making it the third largest company for private car insurance. While only performing average on both of the J.D. Power studies mentioned above, Progressive still has an A+ rating from AM Best. 

Progressive provides more comprehensive coverage options including roadside assistance, loan payoff, custom parts coverage, and insurance for rideshare drivers in addition to standard coverage. The provider offers various discounts, and your rates can be lowered further with the Snapshot app. In addition, with each policy term that you have without a claim, you can save $50 toward your deductible. 

Pros Cons
Affordability

Does not offer military discount

Technology-savvy

 

Multiple add-on options

 

Several money-saving features

 

 

To learn more about the car insurance provider, check out our full Progressive insurance review.

To start comparing the cheapest car insurance quotes in Ohio, simply enter your zip code in the simple tool below or call (855) 518-0148.

 

Read our other insurance articles: