Best and Cheapest Car Insurance in Ohio (10 Most Affordable Companies for 2024)
USAA, Geico, and American Family have the best and cheapest car insurance in Ohio.
Want some more options for great insurance companies in Ohio? Take a look at the full list of the best and cheapest car insurance companies in Ohio below.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $16 | Military Benefits | A++ | USAA |
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#2 | $23 | Special Discounts | A++ | Geico |
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#3 | $24 | Good Students | A | American Family |
 |
#4 | $25 | Discount Options | A++ | Travelers |
 |
#5 | $27 | Local Agents | B | State Farm |
 |
#6 | $33 | Loyalty Rewards | A+ | Progressive |
 |
#7 | $37 | Safety Discounts | A | Farmers |
 |
#8 | $41 | Business Vehicles | A | Liberty Mutual |
 |
#9 | $44 | Accident Forgiveness | A+ | Nationwide |
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#10 | $46 | Claims Satisfaction | A+ | Allstate |
Our guide goes over everything you need to know about cheap insurance in Ohio, as well as minimum requirements, how to save, and much more. To find the cheapest Ohio car insurance rates, compare rates today with our free quote tool.
What You Should Know
- USAA has the cheapest Ohio car insurance
- Geico and American Family are the next cheapest options
- Ohio drivers are legally required to carry car insurance
On this page:
- Top Ohio Car Insurance Companies Rates and Discounts
- Cheapest Teen Car Insurance Rates in Ohio
- Cheapest Married Couple Car Insurance Rates in Ohio
- Cheapest Senior Car Insurance Rates in Ohio
- Cheapest Cities in Ohio for Car Insurance
- Most Expensive Cities in Ohio for Car Insurance
- Ohio Minimum Car Insurance Coverage and Limits
- How Ohio Companies Calculate Rates
- How to Save on Ohio Car Insurance Rates
- How Clearsurance Ranks Ohio Car Insurance Companies
- Finding the Best and Cheapest Ohio Car Insurance Companies
#1 – USAA: Top Pick Overall
Pros
- Military Benefits: Ohio military and veterans will get shopping and travel discounts from USAA.
- SafePilot UBI Program: Ohio drivers can get a discount just for signing up.
- Coverage Options: There are plenty of optional add-ons for Ohio customers, which you can learn about in our USAA review.
Cons
- Eligibility is Restricted: Coverage is exclusively for Ohio military members and veterans.
- No In-Person Assistance: Ohio residents won’t be able to visit local agents.
#2 – Geico: Best for Special Discounts
Pros
- Special Discounts: Geico has multiple discounts, such as a bundling discount for buying auto insurance with Geico renters insurance or home insurance.
- Low Rates: Geico is the next best choice besides USAA insurance.
- DriveEasy UBI Program: Ohio customers can get a discount just for signing up.
Cons
- No Gap Insurance: Ohio new car owners can’t get gap.
- No In-Person Assistance: Local Ohio agents are not available.
#3 – American Family: Best for Good Students
Pros
- Good Students: Ohio students under 25 years of age can save at American Family.
- Loyalty Discounts: Lower rates may be given to repeat Ohio customers.
- Local Agents: Ohio customers can seek out in-person assistance.
Cons
- High-Risk Driver Rates: Ohio rates may be less competitive for bad drivers. Learn more in our American Family review.
- Online Management: Ohio customers may find management not as straightforward online.
#4 – Travelers: Best for Discount Options
Pros
- Discount Options: Travelers has plenty of Ohio car insurance discounts. Learn more in our Travelers review.
- IntelliDrive UBI Program: Ohio customers will get a discount just for joining.
- Financial Rating: Travelers has an outstanding financial management rating.
Cons
- IntelliDrive Rate Increases: Bad driving will raise Ohio car insurance rates.
- Customer Ratings: Average ratings could be improved upon.
#5 – State Farm: Best for Local Agents
Pros
- Local Agents: Most Ohio customers will have access to Ohio agents.
- Student Savings: Ohio students can save with a good student discount.
- Coverage Options: See what Ohio customers can choose from in our State Farm review.
Cons
- Policy Management Limited: Ohio agents must be contacted for most policy management.
- Financial Rating: Low ratings for State Farm could be improved.
#6 – Progressive: Best for Loyalty Rewards
Pros
- Loyalty Rewards: Sticking with the company will pay off for most Ohio customers.
- Snapshot UBI Program: Ohio customers can join to save on Ohio auto insurance.
- Coverage Options: Ohio customers have plenty of choices for insurance coverage. Find out your options in our Progressive review.
Cons
- Snapshot Rate Increases: Ohio car insurance rates will increase for bad driving.
- Customer Service Ratings: Most reviews are average, so service could improve.
#7 – Farmers: Best for Safety Discounts
Pros
- Safety Discounts: Ohio vehicles with safety features will have lower rates.
- Local Agents: Ohio residents should have a local agent near them.
- Multi-Policy Discount: Ohio auto insurance can be bought with other types of insurance.
Cons
- Customer Service Ratings: Average ratings are common for Farmers. Learn more in our Farmers review.
- Accident Forgiveness: The strict eligibility requirements will make it hard for most Ohio drivers to qualify.
#8 – Liberty Mutual: Best for Business Vehicles
Pros
- Business Vehicles: Ohio business vehicles can be insured at Liberty Mutual.
- Affinity Discounts: Liberty Mutual has military and veteran discounts. Read more in our review of Liberty Mutual.
- Bundling Discount: Ohio auto insurance can be purchased with home or renters insurance.
Cons
- Customer Ratings: Liberty Mutual services are average.
- High-Risk Driver Rates: Bad driving records will result in high Ohio rates.
#9 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Some Ohio drivers may get accident forgiveness. Learn more in our Nationwide review.
- Deductible Savings: Safe drivers in Ohio may get deductible reductions.
- Add-On Coverages: Add optional coverages as needed to your Ohio policy.
Cons
- No Rideshare Insurance: Ohio Lyft and Uber drivers will have to get insurance elsewhere.
- Customer Ratings: Nationwide has just average ratings and reviews.
#10 – Allstate: Best for Claims Satisfaction
Pros
- Claims Satisfaction: Allstate has a claims satisfaction guarantee for Ohio customers.
- Milewise: Ohio insurance can be paid by the mile with Allstate Milewise.
- Coverage Variety: Ohio plans can have optional coverage added on.
Cons
- Customer Service Ratings: Ratings could be better from customers. Learn more in our Allstate review.
- Young Driver Rates: Young Ohio drivers will have higher rates.
Top Ohio Car Insurance Companies Rates and Discounts
When shopping around for a new Ohio car insurance company, be sure to check out Clearsurance's company reviews. Along with getting the right coverage for the best price, you want to make sure you'll be happy with the company's customer service. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance coverage in Ohio.
If you need help deciding what coverage to carry, in the table below you can see the price difference between full and minimum coverage in Ohio.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $46 | $120 |
| American Family | $24 | $62 |
| Farmers | $37 | $96 |
| Geico | $23 | $59 |
| Liberty Mutual | $41 | $106 |
| Nationwide | $44 | $114 |
| Progressive | $33 | $85 |
| State Farm | $27 | $70 |
| Travelers | $25 | $63 |
| USAA | $16 | $41 |
Minimum coverage is cheaper, but it doesn't offer as much protection as full coverage. If you want to get full coverage at a cheaper price, make sure to apply for discounts at your insurer.
With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Ohio car insurance companies.
This may not mean they are the cheapest car insurance companies mind you — the cheapest option is not always the one you are going to need. We go through why that is below as well, but it has something to do with where you live and what sort of minimum coverage requirements may be in place.
Learn More: Top Ways Customers Have Saved Money on Car Insurance Rates
In the table above, you can sort through all the Ohio car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers.
Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Ohio car insurance rankings.
Interested in learning more about one of these Ohio car insurance companies? You can visit the company's profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
Cheapest Teen Car Insurance Rates in Ohio
Teenage drivers have it rough, because they haven't had much time to build up a driver profile. While their parents may be teaching them safe driving techniques, that won't be enough to guarantee them the lowest rates on new driver car insurance.
The table below show minimum coverage rates for male and female teen drivers at the cheapest insurance companies in Ohio.
| Insurance Company | Female | Male |
|---|---|---|
| Allstate | $161 | $150 |
| American Family | $83 | $73 |
| Farmers | $290 | $245 |
| Geico | $76 | $58 |
| Liberty Mutual | $270 | $248 |
| Nationwide | $172 | $185 |
| Progressive | $308 | $284 |
| State Farm | $106 | $108 |
| Travelers | $187 | $239 |
| USAA | $54 | $49 |
USAA offers the cheapest average car insurance option for both female and male teen drivers on average in Ohio when compared with the other most popular auto insurers in the state.
Cheapest Married Couple Car Insurance Rates in Ohio
When looking for affordable car insurance, it may not cross your mind to mention that you're married to your insurer. However, this can sometimes result in a cheaper insurance quote.
The table below details rates from the best car insurance companies for married couples.
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $53 |
| American Family | $30 |
| Farmers | $48 |
| Geico | $24 |
| Liberty Mutual | $47 |
| Nationwide | $59 |
| Progressive | $47 |
| State Farm | $37 |
| Travelers | $30 |
| USAA | $23 |
Compared to other large insurance companies, USAA offers the cheapest average car insurance rates for married couples in Ohio. If you don't qualify for USAA, then Geico or American Family are your next best choices.
Cheapest Senior Car Insurance Rates in Ohio
Among the best companies in Ohio, USAA provides the cheapest car insurance rates for male and female senior drivers in the state on average. For non-military seniors, Geico and American Family are the next cheapest options.
Curious how much senior car insurance costs at the other cheapest Ohio companies? The table below details rates for minimum coverage by gender from the cheapest auto insurance companies in Ohio.
| Insurance Company | Female | Male |
|---|---|---|
| Allstate | $44 | $45 |
| American Family | $21 | $22 |
| Farmers | $35 | $34 |
| Geico | $22 | $21 |
| Liberty Mutual | $35 | $37 |
| Nationwide | $41 | $39 |
| Progressive | $33 | $29 |
| State Farm | $25 | $24 |
| Travelers | $23 | $23 |
| USAA | $15 | $15 |
If your car rates are high, make sure you are getting discounts and comparing rates from the top companies with the best car insurance for senior drivers.
Cheapest Cities in Ohio for Car Insurance
Car insurance rates in Ohio can vary based on your location. On average, the cheapest city in Ohio for car insurance is the Bloomdale area. In the table below, you can see the top 10 cheapest cities in Ohio for car insurance based on average rates for single adults.
| City | Monthly Rates |
|---|---|
| Bloomdale | $74 |
| Van Wert | $74 |
| Tiffin | $74 |
| Saint Marys | $74 |
| Old Fort | $74 |
| Bascom | $74 |
| Fremont | $74 |
| Put-In-Bay | $74 |
| Coldwater | $74 |
| Benton Ridge | $75 |
You can lower rates in these cities even more by applying for discounts at your company, such as a defensive drive discount (Read More: The Cost Benefits to Taking a Defensive Driving Course).
Most Expensive Cities in Ohio for Car Insurance
Car insurance in Ohio can be more expensive in some cities of the state than others because every city has different risks (Read More: Why is car insurance so expensive?). The table below displays the top 10 most expensive cities in Ohio for car insurance based on average rates for a single adult.
| City | Monthly Rates |
|---|---|
| Youngstown | $106 |
| Toledo | $103 |
| Campbell | $103 |
| Cleveland | $102 |
| Crown City | $99 |
| Columbus | $98 |
| Patriot | $98 |
| Waterloo | $97 |
| Rio Grande | $97 |
| Chesire | $97 |
If you live in one of the most expensive cities for auto insurance, make sure to shop around for auto insurance quotes to make sure you are getting the best deal.
Ohio Minimum Car Insurance Coverage and Limits
Ohio's car insurance laws are comparable to those of other states, requiring drivers to obtain bodily injury liability coverage and property damage liability insurance. The state has outlined the minimum coverage amounts you need to obtain legal insurance, detailed below.
You should consider purchasing higher than the minimum coverage limits though, to ensure you have enough protection in the event of a costly accident.
Read More: Liability vs. Full Coverage
Ohio drivers also can consider optional coverages, such as collision coverage and comprehensive coverage, to include in their policy with the Ohio state minimum requirements.
Ohio state minimum requirements:
Liability:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Property damage — $25,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Ohio Uninsured Motorist Percentage
Uninsured motorist coverage is another optional coverage in Ohio. This provides you with protection in the event an uninsured or underinsured driver is at fault in an accident with you. Ohio’s percentage of uninsured drivers is 12.4 — the 22nd highest in the United States, according to 2015 data from the Insurance Information Institute.
While it may be optional, consider opting in given the percentage of uninsured drivers on the road in Ohio. You can always talk to your insurance carrier about discount opportunities to offset the additional cost you may end up paying. Full-coverage policies may be expensive, but they can prevent you from falling further into debt should you be in an accident with someone who doesn't have proper coverage.
How Ohio Companies Calculate Rates
When searching and comparing quotes from the best auto insurance companies in Ohio, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance.
Among the factors that car insurers consider are:
- Age, Gender, & Marital Status
- Driving Record & Annual Mileage
- Your Car’s Make, Model, and Year
- Location & Credit Score
- Amount of Car Insurance Coverage
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up even if you have a clean driving record. Why is that the case?
Learn More: What is considered a clean driving record?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to payout. But imagine a scenario where they only raised rates for drivers with an accident.
For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.
How to Save on Ohio Car Insurance Rates
At the end of the day, we'd all like to have the best coverage at a cheap, affordable price from one of the best Ohio car insurance companies.
Here are five ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Shop for better insurance rates
While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can get cheap car insurance.
How Clearsurance Ranks Ohio Car Insurance Companies
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better with customer service, claims, rates, and more.
Learn More: Insurance Claims Rating for Top 10 Largest Car Insurance Companies
When looking into insurance companies, looking at customer complaints is just as important as their customer satisfaction ratings. If they don't answer complaints, that may be a sign of poor service.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Finding the Best and Cheapest Ohio Car Insurance Companies
Whether you're buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Being confident in what coverage level you require is also important, because there are various types of coverage that are offered, but not all of them may be necessary depending on where you live and what sort of vehicle you drive.
Do you know what is covered by comprehensive auto coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works? Cheap rates are certainly vital to the average driver, but having financial protection should be a priority as well.
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide for understanding car insurance. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Ready to find cheap Ohio insurance quotes? Get quotes today by entering your ZIP in our free quote tool.
Frequently Asked Questions
Who offers the cheapest teen car insurance rates in Ohio?
While the teens who require insurance may not have to worry about what the insurance costs, the policy holder will no doubt want to be looking into the best auto insurance providers on their behalf. USAA is the cheapest car insurance option for both female and male teen drivers on average in Ohio when compared with the other most popular auto insurers in the state.
Who offers the cheapest car insurance rates for a married couple in Ohio?
Married couples can find affordable coverage by working together. USAA offers the cheapest car insurance rates for married couples in Ohio on average. This is compared with the largest Ohio car insurance companies.
Who offers the cheapest senior car insurance rates in Ohio?
Even senior drivers need to be conscious when it comes to affordable rates for their auto policies. Among the largest companies in Ohio, USAA provides the cheapest car insurance rates for male and female senior drivers in the state on average.
What is the cheapest car insurance in Ohio?
The cheapest car insurance in Ohio will be minimum coverage.
What is minimum car insurance in Ohio?
Ohio law requires drivers to have 25/50/25 of liability insurance.
Do you legally have to have car insurance in Ohio?
Yes, Ohio drivers are legally required to carry car insurance.
What is the penalty for not having car insurance in Ohio?
Penalties vary based on the offense but typically include fines, license suspensions, and more.
Does insurance follow the car or the driver in Ohio?
Insurance follows the car in most cases.
Is Ohio a no-fault state?
Ohio is an at-fault state.
Did Ohio raise insurance rates?
Yes, like most states, Ohio insurance rates have increased. Uninsured drivers and multiple accidents have driven up prices over the last decade.