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Compare car insurance in Ohio

Get the cheapest car insurance in Ohio for 2021

Ohio’s average for car insurance costs $881.91 annually or about $73 per month, according to the National Association of Insurance Commissioners (NAIC). It’s one of the cheapest states in the country to buy auto insurance. For reference, the average across all 50 states is around $1,190 a year, making Ohio 26% cheaper than the national average.

However, the NAIC includes policies both with state minimum coverage and with added coverage, like comprehensive and collision. Because your individual car insurance is affected by outside factors like your driving record and the car you drive, you could end up with a higher or lower rate than Ohio’s average.

Ohio car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$881.91

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Ohio state minimum car insurance requirements

In Ohio, it’s mandatory to carry liability coverage for bodily injury and property damage. You’ll see the amount of coverage that you need listed as 25/50/25. These are called your coverage limits, or the maximum amount that your insurance will pay for damage.

Let’s go into detail about what’s covered under Ohio’s minimum coverage.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for bodily injuries to one person
  • $50,000 for injuries to multiple people

You’ll need a minimum of 25/50 for bodily injury liability, which means that your insurance will pay up to $25,000 if you injure one person or $50,000 total for several people injured in the same accident.

These coverage limits are similar to what other states require, although you should consider higher limits. Bodily injury liability protects you from paying out of pocket for medical expenses if you injure another driver, passengers or pedestrians.

Property damage liability

Property damage liability

  • $25,000 in property damage liability

Ohio requires $25,000 for property damage liability, a common coverage level required by other states too. This coverage kicks in if you damage someone else’s car or personal property like custom car equipment or a property owner’s fencing.

Finder tip: Ohio’s state minimum isn’t enough coverage

The state keeps in line with requirements set by other states, but the coverage required might not pay for all expenses if you cause a moderate or severe accident. For example, if you total someone else’s car that’s worth $40,000, replacing that car would cost $15,000 more than your insurance would pay.

You can avoid shouldering that extra cost on your own by raising your liability limits and considering optional coverage, depending on your budget.

7 factors that affect car insurance rates in Ohio

Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Ohioan’s rating factors to keep in mind.

FactorHow it affects your rates
Age

Age

How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
Gender

Gender

Ohio takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
Location

Location

Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

Ohio vehicle theft rates stand at 171.7 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s well below the national average of 246 vehicle thefts per 100,000 inhabitants.

As for uninsured drivers, 13% of Ohioans on the road are uninsured. That’s more than average for the percent of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

Driving Record

Driving Record

The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Ohio can increase your rate by around 31%. These types of violations typically stay on your record for about three years.
Vehicle and mileage

Vehicle and mileage

Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Ohioans drive an average of 29.2 miles per day, that’s below the average across the US of 36.1 miles per day.

Credit score

Credit score

Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

Ohio drivers have protections under state laws that regulate the use of your credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.

Coverage

Coverage

The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.

Most popular Ohio auto insurance companies list

CompanyDirect premiums written (billions)Market share
1State Farm$1,316,29720%
2Progressive$903,17914%
3Allstate$687,52710%
4Nationwide$536,7688%
5Geico$466,5357%
6Grange$344,3995%
7Liberty Mutual$315,3085%
8Erie$222,8633%
9USAA$198,0163%
10American Family$176,1533%

Which city has the cheapest car insurance in Ohio?

Of Ohio’s largest cities, Medina has the cheapest rates and Grove City has the most expensive car insurance rates. Grove City drivers could face rates 6 times more than Medina drivers.

Car insurance quotes in Mentor

CompanyAnnual car insurance rate
Allstate$501
American Family$599
Metromile$333
Geico$555

Car insurance quotes in Medina

CompanyAnnual car insurance rate
Allstate$467
American Family$598
Metromile$303
Geico$537

Car insurance quotes in Hamilton

CompanyAnnual car insurance rate
Allstate$513
American Family$735
Metromile$340
Geico$656

Car insurance quotes in Elyria

CompanyAnnual car insurance rate
Allstate$484
American Family$619
Metromile$346
Geico$523

Car insurance quotes in Grove City

CompanyAnnual car insurance rate
Allstate$1513
American Family$1110
Metromile$837
Geico$2037

Compare car insurance providers in Ohio

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Compare up to 4 providers

What if I’m caught without insurance in Ohio?

If you’re caught driving without insurance in Ohio, you face penalties that include:

  • Your license could be suspended. The state will suspend your license until you can pay the fine and prove you have insurance. Subsequent violations can come with loss of your license for up to three years.
  • Your car could be impounded. You’ll lose your registration and license plates and pay from $100 to $600 to get them reinstated.

To get your license back, you must show proof of insurance or financial responsibility. You’ll typically need to apply for high-risk coverage and file an SR-22 for three to five years.

Bottom line

Ohio requires liability coverage, but it could be worth it to carry more than the minimum to protect yourself and other drivers on the road. For the best coverage at the lowest prices, review your options with a variety of car insurance providers before making a decision.

Frequently asked questions about Ohio car insurance

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