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Compare car insurance in Ohio

Get the cheapest car insurance in Ohio for 2020

Updated

Fact checked

One way to tackle the question of car insurance is by first knowing your state’s minimum requirements. From there, you can price out additional protection.

Compare Ohio’s minimum coverage requirements, driving laws and how to get cheap car insurance in Ohio.

Ohio

Car insurance quick facts

25/50/25

Minimum liability requirements

$1,000

Average annual car insurance cost

60

Days to update your license

At-fault state

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

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Ohio car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
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Compare up to 4 providers

Company Direct premiums written (billions) Market share
1 State Farm $1,316,297 20%
2 Progressive $903,179 14%
3 Allstate $687,527 10%
4 Nationwide $536,768 8%
5 Geico $466,535 7%
6 Grange $344,399 5%
7 Liberty Mutual $315,308 5%
8 Erie $222,863 3%
9 USAA $198,016 3%
10 American Family $176,153 3%

Average car insurance costs in Ohio

Ohio’s average for car insurance costs is between $900 and $1,000 annually. It’s one of the cheapest states in the country to buy auto insurance, which is a far cry from its neighbor Michigan — Michigan is almost always the most expensive state for this coverage, year over year. And for reference, the average across all 50 states is right around $1,200 a year.

Because individual car insurance policies are affected by so many outside policies, you could still end up paying significantly more or less than your state’s average. It’s typically a good idea to analyze these factors to see how they might be affecting your rates.

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

Company Annual car insurance rate
Allstate $501
American Family $599
Metromile $333
Esurance $853
Geico $555

Car insurance quotes in Medina

Company Annual car insurance rate
Allstate $467
American Family $598
Metromile $303
Esurance $896
Geico $537

Car insurance quotes in Hamilton

Company Annual car insurance rate
Allstate $513
American Family $735
Metromile $340
Esurance $1042
Geico $656

Car insurance quotes in Elyria

Company Annual car insurance rate
Allstate $484
American Family $619
Metromile $346
Esurance $869
Geico $523

Car insurance quotes in Grove City

Company Annual car insurance rate
Allstate $1513
American Family $1110
Metromile $837
Esurance $2176
Geico $2037

Ohio car insurance requirements

In Ohio, it’s mandatory to carry liability coverage for bodily injury and property damage. When you’re shopping for insurance, you’ll see this coverage listed as 25/50/25.

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

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.

Get the cheapest quotes

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Frequently asked questions about Ohio car insurance

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