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Best & Cheapest Ohio Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4581 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.22 ★★★★★
208 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16907 customer reviews
rated their claim's experience positively
4.10 ★★★★★
74 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2060 customer reviews
rated their claim's experience positively
4.04 ★★★★★
2233 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7154 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
747 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.75 ★★★★★
546 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.53 ★★★★★
42 customer reviews
rated their claim's experience positively
3.52 ★★★★★
116 customer reviews
rated their claim's experience positively
3.42 ★★★★★
59 customer reviews
rated their claim's experience positively
3.22 ★★★★★
67 customer reviews
rated their claim's experience positively
3.15 ★★★★★
87 customer reviews
rated their claim's experience positively
3.08 ★★★★★
295 customer reviews
rated their claim's experience positively
2.57 ★★★★★
126 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively
1.93 ★★★★★
56 customer reviews
rated their claim's experience positively

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 in Ohio. 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.

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.

On this page:

Who offers the cheapest teen car insurance rates in Ohio?

Erie Insurance Group 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.

Company Female teen rates Male teen rates
Allstate Insurance $1,336 $1,522
Erie Insurance Group $742 $943
Nationwide $1,763 $2,310
Progressive $2,300 $2,546
State Farm Insurance Company $1,115 $1,315

These rates are based on profiles for 18-year-old male and female drivers in Ohio. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Ohio will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Ohio?

Nationwide offers the cheapest car insurance rates for married couples in Ohio on average. This is compared with the largest Ohio car insurance companies.

Company Married couple rates
Allstate Insurance $1,535
Erie Insurance Group $1,313
Nationwide $1,295
Progressive $2,230
State Farm Insurance Company $1,489

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Ohio will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Ohio?

Among the five largest companies in the Ohio, State Farm provides the cheapest car insurance rates for male and female senior drivers in the state on average.

Company Female senior rates Male senior rates
Allstate Insurance $958 $1,018
Erie Insurance Group $790 $790
Nationwide $823 $819
Progressive $1,239 $1,257
State Farm Insurance Company $708 $708

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Ohio will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Ohio for car insurance

Car insurance rates in Ohio can vary based on your location. On average, the cheapest area in Ohio for car insurance is the Bloomdale area. In the table below, you can see the top 10 cheapest areas in Ohio for car insurance based on average rates for single adults.

Area Car insurance rates
Bloomdale $885
Van Wert $886
Tiffin $886
Saint Marys $887
Old Fort $887
Bascom $888
Fremont $890
Put-In-Bay $891
Coldwater $893
Benton Ridge $894

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Ohio will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Ohio for car insurance

Car insurance in Ohio can be more expensive in some areas of the state than others because every area has different risks. The table below displays the top 10 most expensive areas in Ohio for car insurance based on average rates for a single adult.

Area Car insurance rates
Youngstown $1,270
Toledo $1,237
Campbell $1,232
Cleveland $1,223
Crown City $1,183
Columbus $1,181
Patriot $1,180
Waterloo $1,167
Rio Grande $1,166
Chesire $1,165

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Ohio will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Ohio

Ohio’s car insurance laws are comparable to those of other states, requiring drivers to obtain bodily injury 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 limits, though, to ensure you have enough coverage in the event of a costly accident.

Ohio drivers also can consider optional coverages, such as collision coverage and comprehensive coverage, to include in their policy.

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’s 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.

How car insurance rates are calculated in Ohio

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:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off 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 money on your car insurance in Ohio

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. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six 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
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Ohio

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.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.