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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.

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. Avoid shouldering that extra cost by raising your liability limits.

State minimum liability may be fine for little “fender benders” but what happens if your driving error leads to an injured party being in the hospital for 6 weeks with 2 major surgeries. The total medical bill in this scenario could be over $100,000. . . . This could be a financial hit to you or your family if you only focus on price.”

Darrick Hummel, CIC, CPRM, Owner of Hummel Group based in Ohio

Cheapest rates by age in Ohio

Nearly all Ohio drivers may find Allstate or Progressive to offer the best deal on car insurance, based on Savvy’s rate data. Since the cheapest company switches back and forth based on your age group, get quotes from both to see which one drops your rate the lowest.

AgeAllstateProgressiveGeicoUSAA
16-24$136.81$173.43$168.60$172.93
25-34$120.48$119.33$123.33$120.34
35-44$96.37$107.53$109.03$114.04
45-54$105.93$98.47$99.48$112.04
55-64$92.56$95.60$87.87
65+$90.21$69.04$78.05

Cheapest rates by gender in Ohio

Allstate and Progressive also tie in offering the lowest rates for men and women. However, women tend to pay $8 less per month in Ohio versus men.

CompanyAllstateProgressiveGeicoUSAA
Men$114.96$114.50$116.81$137.02
Women$106.92$106.63$121.74$126.19

Sample rates in Ohio from major car insurance companies

Allstate and Progressive offer neck-and-neck rates around $111 per month across all Ohio drivers. We found these companies by analyzing car insurance rates from Savvy.

>
CompanyAllstateProgressiveGeicoUSAA
Rate$110.94$110.56$119.28$132.38

Best car insurance in Ohio

Since buying car insurance is competitive in Ohio, keep shopping if you don’t find the rate you prefer. The best choice offers the highest coverage at a cost that fits your budget.

We recommend starting with these companies, which we vetted by looking at ratings from J.D. Power, the Better Business Bureau and National Association of Insurance Commissioners. We also chose companies that offer ample coverage and significant discounts for the best value.

Best value for coverage: Progressive

Progressive

Finder rating 4 / 5 ★★★★★

Progressive is a big name in car insurance with a myriad of coverage options, including extras for custom vehicle parts, gap or rideshare coverage. It offers the convenience of keeping all your insurance in one place. If you need something insured, Progressive probably covers it — auto, home, RV, classic car, valuable belongings, business insurance and more.

We've also found Progressive's car insurance rates are competitive with other national brands, especially if you're a safe driver. For instance, having a claim-free history could shave up to 31% off your premiums.

Best rewards for safe drivers: Allstate Drivewise

Allstate

Finder rating 4 / 5 ★★★★★

Allstate Drivewise is a telematics insurance program, which tracks your driving and scores you on braking, speed and the time of day. You can receive up to 40% off your premium for driving safely, plus earn Allstate Rewards to redeem for gift cards and merchandise after 50 trips.

If you're interested in this type of program, Drivewise has one of the most user-friendly apps available. The Drivewise app saw high customer ratings before it merged with Allstate's main insurance app. Plus, unlike other companies, Allstate won't raise your rates if you're not deemed a safe driver.

Best local company: Erie

Erie

Finder rating 4.5 / 5 ★★★★★

Erie may not be a national brand, but it holds its own against major insurance companies in the 12 states it serves. Erie ranks No. 1 for customer service by J.D. Power in the North Central region, which includes Ohio. J.D. Power consistently ranks Erie high in other regions as well.

Something else that Erie is known for — wide car insurance coverage. Choose from options like better car protection, rental car reimbursement or rideshare coverage. It extends coverage to new vehicles until the end of your policy period, as long as you insure a similar vehicle. Plus, you won't see your rates go up unless you change drivers, vehicles or addresses.

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%.

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.
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.

Does Ohio require SR-22 insurance?

Yes, Ohio does require drivers to carry SR-22 insurance after some serious driving convictions in order to reinstate their license. This can include driving without a license or not having proof of auto insurance at the time of an accident. Ohio’s BMW will notify you if you’re required to file an SR-22, and typically, drivers are required to maintain it for two to three years, depending on the offense. Learn more about SR-22 insurance in Ohio.

Coverage that we recommend in Ohio

The purpose of your car insurance is to help you recover financially after a car accident. While Ohio requires liability coverage, you need extra protection to cover different kinds of accident damage. Coverage you may need:

Higher liability limits

You need higher liability protection than the state requires in most cases, especially if another driver takes you to court. Katie Sopko, insurance broker at learnandserve.org told Finder, “The price difference between the state minimum for Ohio (25/50/25) and raising the limits to about 50/100/50 (double what the state minimum requires) might not be a big jump in price.”

Collision

For accidents where you’re at fault, your collision coverage pays for your car’s damage — if you buy this optional coverage.

Remember that liability coverage doesn’t pay for your car damage when you’re at fault. Instead, it pays for damage to someone else’s property.

Consider collision coverage if . . .

  • Your car loan requires it.
  • It costs less than your car’s value.
  • You can’t pay for car repairs or another car out of pocket.
  • You drive your car regularly, such as for commuting.

Comprehensive

Ohioans don’t have to worry about car theft as much as drivers in other states, but theft still happens. Consider comprehensive coverage to help you recover from incidents like theft, vandalism, weather damage or hitting an animal.

Consider this coverage if . . .

  • It’s required for your car loan.
  • You can’t repair or replace your car out of pocket.
  • Your area has a high risk of theft or serious storms.

    Uninsured or underinsured motorist

    Since some Ohioans choose to drive uninsured, think about adding uninsured or underinsured motorist coverage to your policy. This coverage pays for your medical expenses, car repairs or other property damage if the driver at fault doesn’t have the proper insurance.

    Consider this coverage if . . .

    • You can’t pay for car repairs or another car on your own.
    • You don’t have health insurance.
    • Your health insurance has high out-of-pocket costs.

    A telematics-based policy

    Many insurance companies offer telematics programs that hand out discounts if you track your driving with an app or device installed in your car. Hummel told Finder that these programs are a good option for new drivers,

    “If you’re not concerned about [data] privacy and have youthful drivers in your family, then usage-based insurance (telematics) may help you save money and catch bad driving habits with your new drivers. This is a win-win when it comes to saving money and increasing safety with teen drivers.”

    Top 10 auto insurance companies in USA that serve Ohio

    See the top insurers by market share nationally that serve in Ohio, according to S&P Global. To help you choose the right insurer for you, we listed each company’s ratings from top rating agencies, including:

    • The Better Business Bureau (BBB) rating scores how a business interacts with its customers, rating insurers as high as A++.
    • J.D. Power scores companies based on customer satisfaction with their price, billing, claims and customer support. The agency scores out of 1,000 points.
    • The National Association of Insurance Commissioners (NAIC) complaint index shows how a company’s number of complaints compares to similar companies. Scores lower than 1.00 show that the company sees fewer than the average number of complaints. Scores above 1.00 show more complaints than average.
    • Finder’s score rates companies based on their coverage, discounts as well as the BBB, J.D. Power and NAIC ratings.
    Provider
    BBB Rating
    JD Power Rating
    NAIC complaint ratio
    National market share %
    Finder score
    Go to site
    State Farm
    A+
    847/1000
    1.93
    16.2

    ★★★★★ 4/5

    Read review

    Geico
    A+
    832/1000
    1.42
    13.6

    ★★★★★ 4/5

    Read review

    Progressive
    A+
    830/1000
    1.05
    13.3

    ★★★★★ 4/5

    Get Quotes
    Allstate
    A+
    827/1000
    2.71
    10.4

    ★★★★★ 4/5

    Read review

    USAA
    A+
    884/1000
    1.9
    6.3

    ★★★★★ 4/5

    Get Quotes
    Farmers
    A-
    820/1000
    1.64
    4.9

    ★★★★★ 4/5

    Read review

    Liberty Mutual
    A+
    827/1000
    2.2
    4.7

    ★★★★★ 4/5

    Get Quotes
    Nationwide
    A+
    814/1000
    2.08
    2.3

    ★★★★★ 4/5

    Read review

    American Family
    A+
    815/1000
    1.35
    2.1

    ★★★★★ 4/5

    Read review

    Travelers
    A+
    820/1000
    3.28
    2

    ★★★★★ 4/5

    Read review

    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 Gap insurance Homeowner discount Telematics Has an app? Available states
    Progressive
    loan/lease coverage
    Yes
    Snapshot
    Yes
    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.
    The Zebra
    Yes
    Yes
    Yes
    Yes
    All 50 states
    USAA
    No
    Yes
    SafePilot
    Yes
    All 50 states & DC
    Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
    Branch
    Yes
    No
    Yes
    Yes
    AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
    Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
    Quinstreet - Insure.com
    Quinstreet - Insure.com
    Yes
    Depends on provider
    Depends on provider
    Depends on provider
    All 50 states
    Liberty Mutual
    Yes
    Yes
    RightTrack
    Yes
    All 50 states & DC
    Earn free accident forgiveness after five years claims-free and customize your policy anytime.
    Bankrate
    Bankrate
    Yes
    Yes
    Yes
    Yes
    All 50 states
    Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
    Elephant
    loan/lease coverage
    Yes
    No
    No
    GA, IL, IN, MD, OH, TN, TX, VA
    Get a great deal online with steep discounts and some of the highest liability limits available.
    loading

    Compare up to 4 providers

    Ohio car insurance and driving laws

    Stay legal on the road and know what to expect if you violate these major driving laws in Ohio.

    After an accident, the driver at fault pays for damage

    Ohio is an at-fault state, which means that the driver who caused the car accident pays for the damage. Your insurance company and legal authorities will figure out who’s at fault, based on the accident details.

    However, Ohio also considers whether both drivers are partially at fault under a law called modified comparative negligence, according to the legal website Nolo. Under this law, both drivers will be assigned a percentage of fault. Drivers who are less than 50% at fault can get reimbursed for their damages.

    For example, if you’re 80% responsible for an accident, your insurance will pay 80% of the other driver’s damages. However, since you’re more than 50% at fault, the other driver isn’t required to pay for your damages.

    Driving without insurance could lead to a suspended license

    If you’re caught driving without insurance in Ohio, you face these penalties.

    • Your license will be suspended until you can pay the fine and prove you have insurance. If you have multiple insurance violations, you could lose your license for up to two years.
    • You may pay a fine between $100–$600, depending on how many times you’ve violated the car insurance law.
    • You’ll lose your car’s registration and license plates. You have to reinstate your registration in order to drive your vehicle after your suspension.
    • You have to maintain an SR-22 for three to five years. Your insurance company probably will put you in its high-risk category, upping your rates on top of charging to file an SR-22 proof of insurance form with the state.

    Texting while driving is illegal in Ohio

    Writing, sending or reading a text while driving is banned in Ohio, unless you’re doing so using a handsfree system. If you’re caught texting, you can get fined up to $150. A police officer can tag you with the violation if they’re stopping you for another violation.

    Not everyone needs an emissions check to register a car

    To register your car, head to your local deputy registrar’s office, provide proof of your insurance coverage or financial responsibility, your driver’s license and the title for your car. If you lease your vehicle, you’ll also need your lease agreement.

    If your car is less than 25 years and you live in specific counties, you may need an inspection before registration — called an E-Check.

    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.

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