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Looking for cheap Ohio car insurance? We did the research to find the cheapest car insurance providers for you. Here’s how you know you’re getting the cheapest car insurance in the Buckeye state.
The Best Car Insurance in Ohio
Allstate is one of the largest insurance companies in the country, and it’s been around for 90 years. That means it’s secure and able to pay your car insurance claims. That doesn’t mean it’s stodgy, though. It has introduced innovations like Drivewise, which allows you to save on your insurance based on your driving habits, and Milewise, which is pay-per-mile insurance.
You can purchase insurance online or through an Allstate agent. Allstate offers several options for discounts that can bring down your policy costs significantly. It also offers several types of insurance so you can have all or most of your policies with 1 insurer.
Overall, Allstate is a good choice and worth comparing with other insurers to see if it’s right for you. It’s available in all 50 states and has an A+ rating from AM Best.
- Personalized service
- Pay-per-mile insurance from an established company
- Buying multiple types of insurance
- Extensive agent network
- Easy sign-up process
- Many customer service options
- Drivewise and Milewise aren’t available in all states
The AARP Auto Insurance Program from The Hartford is designed exclusively for AARP members who are at least 50 years old. Some of the unique features of the program can help you save money on your policy over time, especially if you have and maintain a clean driving record.
Other stand-out features include new car replacement (rather than the depreciated value), reimbursements for expenses incurred if you get injured in an accident and lifetime repairs guarantees.
The AARP Auto Insurance from The Hartford is rated #1 by J.D. Power and Associates for customer satisfaction in handling auto insurance claims.
- Safe drivers who are looking to save money
- AARP members at least 50 years old
- Offers unique coverages and benefits that can be added to a standard auto insurance policy
- Allows drivers to save for safe driving
- Rated #1 by J.D. Power for customer satisfaction in auto claims handling
- Only available for AARP members
- Must be at least 50 years old to qualify
Progressive auto insurance is among the first of the larger insurers to actively embrace usage-based insurance via electronic monitoring of driving habits. Often a refuge for younger drivers and drivers who have been refused insurance elsewhere, progressive markets and supports its insurance products through its website and a network of independent agents.
- Young and less-experienced drivers
- Drivers with consistently good driving habits
- Rates for good drivers
- RV drivers
- More welcoming to less-experienced drivers
- Great website and mobile app functionality
- Driving based discounts can be generous
- Relatively smaller agent network may leave some without a local agent
- Rates can increase at renewal based on driving data from Progressive’s Snapshot.
The American Automobile Association (AAA) is a federation of auto clubs, and it offers a wide range of insurance options, including car insurance. It is the most trusted and familiar name in auto-related services. The company has come a long way since its founding, but the mission remains the same.
Safe and efficient transportation is exactly what AAA commits to per the company’s core statement. AAA is probably best known for its roadside assistance, but the company offers a variety of insurance coverage and memberships as well. AAA strives to make your life easier with its insurance coverage for you and your family. Your safety and security is AAA’s priority.
- AAA Members
- Roadside Assistance
- Extra insurance perks
- Anyone looking for unique insurance carriers
- Serves all states
- Mobile app
- Emergency roadside assistance
- Have to be an AAA member
- Policies not available in every area
Contents
- The Best Car Insurance in Ohio
- Ohio Car Insurance: An Overview
- Ohio Car Insurance Laws
- Cheapest Ohio State Minimum Car Insurance
- Ohio Cheapest Car Insurance Rates per Vehicle
- Cheapest Car Insurance Rates by Insurance Credit Score
- Insurance for Drivers with a Clean Record
- Insurance Rates with Driving Infractions
- Best Car Insurance Providers in Ohio
- Get the Cheapest Car Insurance in Ohio
- Frequently Asked Questions
Ohio Car Insurance: An Overview
Here’s a quick list of what you can expect to see in Ohio:
- Most households in Ohio have 2 cars.
- Minimum insurance requirements in Ohio:
- Minimum state insurance requirements: 25/50/25 rule – $25,000 Bodily Injury Liability (BIL) for individuals, $50,000 BIL in total, and $25,000 per accident to cover property damage
- Bodily injury or death of 1 person: $25,000 liability coverage
- Bodily injury or death of 2 or more people: $50,000 liability coverage
- Property damage liability: $25,000 per accident
- The average rate for car insurance in Ohio with a clean driving record is $995.
There are plenty of options for cheap car insurance in Ohio, but you might be wondering how to find the best one. We took the time to analyze which companies offer cheap insurance in Ohio without compromising quality. We’ve compiled what you need to know about Ohio insurance and driving laws, as well as which companies offer the cheapest car auto insurance.
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Ohio Car Insurance Laws
You must have car insurance to legally drive in Ohio. The state minimum coverage requires you to provide injury and property damage liability. Liability coverage helps protect other drivers if you cause an accident.
- Bodily injury or death liability: This coverage pays for medical bills, funeral costs and may even cover lost wages if you injure someone in an accident. Let’s say you cause an accident and another driver breaks his or her leg. Your bodily injury liability coverage helps pay for his or her medical bills from the accident.
- Property damage liability: Like bodily injury coverage, property damage liability coverage helps pay for damages to another person’s property if you cause an accident. Maybe you cause an accident and the other driver needs to have his or her bumper replaced. Your property damage coverage helps pay for the car repairs of the other driver.
Your bodily injury insurance must cover at least $25,000 for injuries to 1 person and $50,000 for injuries to 2 or more people if you cause an accident. You must also carry property damage liability coverage that provides at least $25,000 of coverage for damages per accident.
Cheapest Ohio State Minimum Car Insurance
| Coverage | Minimum Amount | Company | 12-Month Policy Rate |
|---|---|---|---|
| Bodily injury per person per accident | $25,000 | Liberty Mutual | $324 |
| Bodily injury for all persons per accident | $50,000 | Dairyland | $528 |
| Property damage liability | $25,000 | Clearcover | $552 |
| PIP (personal injury protection) | $0 | SafeAuto | $588 |
| Collision and comprehensive | $0 | Hallmark | $600 |
Ohio Cheapest Car Insurance Rates per Vehicle
Did you know the type of car you drive can affect your car insurance rates? Cars with fewer safety features or cars that are more likely to be stolen tend to have higher insurance costs. Often, a more expensive car will also cost more to insure.
On the other hand, cars with plenty of safety features and great safety ratings are usually less expensive to insure. Bigger vehicles, like an SUV or pickup truck, often fare better in a crash and may cost you less to insure.
The top 10 most popular cars in Ohio include:
- Honda Civic
- Ford F-150
- Honda Accord
- Honda CR-V
- Toyota Camry
- Ford Escape
- Chevrolet Equinox
- Chevrolet Silverado
- Chevrolet Cruze
- Ford Focus
Cheapest Car Insurance Rates by Insurance Credit Score
You probably know your credit score is an important number that can help you secure a loan to buy a car or house. Did you know that your score is also a factor in the cost of your car insurance? Insurance providers use your insurance credit score as an indication of how often you’ll file a claim or pay your bills on time. For example, a lower credit score might mean you’re more likely to file an insurance claim.
Try to raise your credit score before you shop for insurance, particularly if your credit score is lower than you want it to be. This can help you get cheaper car insurance in Ohio.
The chart below looks at the cost of the cheapest car insurance in Ohio based on your credit score.
| Credit Score | Cheapest Provider | Rate for State Minimum Coverage |
|---|---|---|
| Poor 300–579 | Root | $2,054 |
| Fair 580–669 | Root | $1,968 |
| Good 670–739 | SafeAuto | $1,402 |
| Excellent 740+ | Dairyland | $1,206 |
Insurance for Drivers with a Clean Record
Wondering how to lower your car insurance? The best way to lower costs is to drive safely. Safe drivers enjoy lower insurance rates because they’re less likely to be in accidents.
Practice the following safe driving techniques to lower your risk of an accident and your car insurance rates:
- Never text and drive.
- Always wear a seat belt.
- Slow down when road conditions are bad.
- Follow the speed limit.
- Practice defensive driving around other vehicles.
You’ll have access to the lowest car insurance rates when you’re a good driver. Those rates can change depending on the type of coverage you choose.
- State minimum insurance: This is the lowest amount of coverage you can get and still legally drive in Ohio.
- Standard coverage: Standard coverage refers to basic coverage for average drivers. You’ll get more than the minimum amount of coverage, but you may not have extra coverage with your insurance.
- Full coverage: Full coverage insurance usually refers to coverage that includes comprehensive and collision coverage, in addition to standard coverage.
- Comprehensive coverage: This coverage protects your vehicle from damage from a source other than a collision. Comprehensive coverage often includes vandalism, theft and falling branches from trees.
- Collision coverage: Collision coverage protects your car from any collision with an object. For example, let’s say you back into a utility pole. Collision coverage can help you pay to fix your vehicle.
| Insurance Company | State Minimum Insurance | Standard Coverage | Full Coverage |
|---|---|---|---|
| Dairyland | $984 | $1,267 | $2,366 |
| Dairyland | $844 | $1,662 | $2,368 |
| Electric Auto | $983 | $1,727 | $2,684 |
| AAA | $987 | $1,585 | $1,975 |
| Progressive | $1,187 | $1,732 | $2,040 |
Insurance Rates with Driving Infractions
A clean driving record helps keep insurance costs down, but driving infractions can increase the cost of car insurance in Ohio.
Common driving infractions that greatly affect your car insurance costs include:
- At-fault accident on your record
- Speeding ticket
- DUI
You can see how these infractions increase car insurance costs in the chart below.
| Insurance Company | At-Fault Accident | Speed Violation | DUI |
|---|---|---|---|
| Allstate | $3,288 | $1,302 | $4,263 |
| Farmers | $3,390 | $1,337 | $5,898 |
| Nationwide | $3,431 | $1,427 | $4,145 |
| Progressive | $2,684 | $1,533 | $4,655 |
| State Farm | $2,976 | $1,738 | $6,709 |
Best Car Insurance Providers in Ohio
It might seem impossible to find the cheapest car insurance in Ohio. After all, you not only have to consider the car you drive, but your credit score can play a role as well.
We’re here to make your search a little easier. We took the time to look through some of the top insurance providers in Ohio to find the ones that offer cheap car insurance options. We use car insurance quotes as well as independent satisfaction ratings to help determine which providers offer cheap insurance without sacrificing customer satisfaction.
Take a look through our picks for the cheapest insurance in Ohio.
1. Best Overall: Erie Insurance
Erie Insurance ranks as one of the best auto insurance companies in the 2018 J.D. Power Auto Insurance Study. Both overall customer satisfaction and price rate among the best for car insurance available in Ohio.
Policy offerings, claims and interaction with customer service also rank above average compared to other providers. Erie’s strong overall customer satisfaction and competitive prices are a great choice if you need cheap insurance in Ohio.
2. Cheapest Car Insurance in Ohio: Grange Insurance
Grange Insurance offers some of the cheapest auto policies in Ohio. The company also has an A- rating from AM Best, which rates the financial stability of insurance providers. This means the company has a stable financial outlook and that you can feel confident that Grange Insurance has the funds available to pay any claims you might file.
Grange doesn’t rank in the top providers in the J.D. Power study but the company is about average across the study’s ranking categories. You can expect to get adequate customer service and policy offerings.
SR-22 Insurance
Online Purchase
Pros
- Complete line of insurance, banking, and investment services
- Easy online forms to quote and bind policies
- Top-rated customer satisfaction
Cons
- Very few physical locations
- Only available to select groups, generally tied to military service and the relatives of members
3. Best for Military Personnel: USAA
Not everyone qualifies for USAA membership. If you do, you probably won’t find cheaper car insurance in Ohio. You must be an active-duty military member, retired or honorably discharged veteran. Spouses, widows and children are also eligible for membership.
USAA is designed to offer affordable financial and insurance products for military families. In addition to cheap prices, USAA ranks among the best in all categories of the J.D. Power Insurance Study.
Get the Cheapest Car Insurance in Ohio
Use our guide to cheap car insurance in Ohio so you can spend less time searching for cheap insurance and more time on the road. Get quotes from a few companies so you can solidify your choice for the cheapest car insurance in Ohio.
Frequently Asked Questions
What is no-fault auto insurance?
No-fault insurance refers to the medical coverage on an auto insurance policy that pays for injuries to you and your passengers. Each state has its own rules for insurance, so not every state is a no-fault state. In a no-fault state, your own auto policy governs your medical coverage regardless of who was at fault in the accident. See the best providers for no-fault insurance.
Does auto insurance cover business use?
The standard auto insurance policy has a ‘business’ use option. However, that usage has rules as to how it can be applied. For those that work for Lyft and Uber (for example), Insurance carriers today have now added a rideshare endorsement that can be applied to the auto policy. While you are on the way to pick up your rider, your insurance carrier extends coverages. Once the rider is in your vehicle, Lyft or Uber picks up the insurance coverage until the rider is dropped off. Get a customized quote now for the best deal.
Is there any way I can lower my insurance premiums?
You can often get a lower premium by maintaining coverage without any gaps in coverage. You can also lower your premium with discounts like bundling your policies with one carrier. Get a customized quote to see if you can lower your premiums.
*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.
