Best Car Insurance Companies in Ohio

We’re ranking Nationwide as the overall best auto insurance company in Ohio, but Progressive, State Farm, Safeco, and Erie also made the list.
Written by Bonnie Stinson
Edited by Sarah Gray
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Nationwide takes the lead as the
best car insurance company
overall in
Ohio
. However, some drivers can find great deals with smaller providers, like Erie.
  • Nationwide offers the best coverage overall for drivers in Ohio.
  • If you've got a few tickets or an at-fault accident on your driving record, Erie may be the best provider for you.
  • To ensure you always have the best provider, regardless of your record and demographics, shop quotes from at least 3–5 providers before settling on a policy.
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Progressive: Lots of discounts, straightforward website
Real 5-star customer review:
Jerry helped me change to Progressive after being with my previous insurer for 25 years. The app is amazing! It grabs your information and finds you a huge variety of choices between carriers and coverage levels. —Leila S.
Overall Jerry rating in Ohio: 4/5
JD Power customer satisfaction: 853/1000
AM Best financial strength: A+
NAIC complaint index (August 2023): Higher than average
Progressive is one of the most popular insurers in Ohio—and the country. With an easy-to-use website and mobile app, Progressive makes it easy to understand and adjust your coverage. Plus, there are a lot of discounts and categories of insurance.
Despite its popularity, Progressive does suffer from low customer satisfaction ratings. Jerry customers and NAIC stats show this to be true. However, they process claims quickly and the price point makes Progressive a very attractive insurance provider in Ohio. If you have a clean driving record, you could unlock great rates.
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Nationwide: Affordable, reliable customer service
Real 5-star customer review:
I decided to try Jerry because my car insurance had been increasing drastically with each policy renewal. Jerry found me multiple ways to save after entering just a few pieces of info! I’m saving almost $70 a month after choosing Nationwide. —Ish M.
Overall Jerry rating in Ohio: 4/5
JD Power customer satisfaction: 861/1000
AM Best financial strength: A+
NAIC complaint index (August 2023): Slightly higher than average
With some of the cheapest rates in the state of Ohio, Nationwide is a good choice for the average driver. This provider offers a wide range of coverage options, including usage-based insurance (UBI). Teen drivers are likely to find lower-than-average rates with Nationwide.
Although some drivers report low satisfaction with the company, Nationwide offers plenty of discounts and cost savings to make up for it. If you’re a relatively young driver with straightforward coverage needs, Nationwide might be the perfect fit.
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Safeco: Good for drivers who value customer service
Real 5-star customer review:
Jerry was super helpful with getting the best price possible for me. I ended up going with Safeco. —Lewis F.
Overall Jerry rating in Ohio: 3.75/5
JD Power customer satisfaction: 707/1000
AM Best financial strength: A
NAIC complaint index (August 2023): Lower than average
If you ever need to call up an agent or process a claim, Safeco knows how to do it properly. This company receives fewer than average complaints about customer service. Plus, policyholders enjoy 24/7/365 access to customer support.
With plenty of coverage options, Safeco can tailor a policy to offer optimal protection to your motor vehicle. It’s also one of the more affordable companies in the state of Ohio for most drivers, compared to the national average—especially if you opt to participate in their telematics program RightTrack®.
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State Farm: Good value and great customer service
Real 5-star customer review:
My previous insurer of 5 years hiked up my rates. I looked to Jerry, and they gave me a State Farm policy that saves me over $100 a month. If anyone is car insurance shopping, you need to give Jerry a try. —Farrah N.
Overall Jerry rating in Ohio: 4.5/5
JD Power customer satisfaction: 877/1000
AM Best financial strength: A++
NAIC complaint index (August 2023): Slightly higher than expected
Enjoy seamless claims handling and account management with State Farm’s world class mobile app. Best of all, you can trust that you’ll get your payout after an accident because of the company’s high stability ratings from AM Best.
If you have poor credit, you might not get the best rates with State Farm. But this company is a great option for people who want to put their money into a privately held company with a longstanding reputation for providing car insurance to Americans. Plus, there are tons of add-ons to customize your coverage.
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Erie: Good rates for non-standard drivers
Real 5-star customer review:
Jerry is an amazing service! I switched to Erie for my auto insurance and saved about $65. I’m so pleased and will be recommending Jerry to friends and family. —Taan P.
Overall Jerry rating in Ohio: 4.25/5
JD Power customer satisfaction: 838/1000
AM Best financial strength: A+
NAIC complaint index (August 2023): Much fewer than expected
While it’s not the cheapest rate around, Erie Insurance offers good coverage and discounts for high-risk drivers who may have blemishes on their driving record (like speeding tickets, DUIs, or at-fault accidents). It may be a more affordable option for young drivers, too.
If the ability to file claims online is a dealbreaker, you may have to find another company. Erie requires policyholders to file claims via a hotline after a car accident. Furthermore, you have to go through an independent agent to make substantial claims to your policy. Even so, most Erie drivers report high satisfaction levels.
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AAA: Honorable mention
Real 5-star customer review:
Thanks to Jerry, I went from paying almost $500 to a little over $200 with Travelers! I got identical full coverage for two cars. That is amazing! —Jeannine Q. 
Overall Jerry rating in Ohio: 4.25/5
JD Power customer satisfaction: 839/1000
AM Best financial strength: A+
NAIC complaint index (August 2023): Lower than expected
Your membership in AAA unlocks the ability to purchase car insurance through AAA. Yes, you can get roadside assistance as well as standard car insurance coverage with AAA! This company even offers helpful coverages like loan/lease payoff and pet coverage for drivers in the Buckeye state.
Overall customer satisfaction rankings are high, although claims satisfaction ratings are lower than average. There are so many extra perks to AAA membership that we think it’s worth considering for Ohio drivers.
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How to save on your Ohio auto insurance

All
insurance companies
are different when it comes to calculating rates for car coverage. The price you pay depends on a few important factors:
  • Type of car you drive
  • Your driving history
  • Where in Ohio you live
  • Type of coverage (a full coverage policy costs more than bare minimum)
If you want to make sure you're getting the best deal, here's what you should do:
Compare Offers: It's smart to check out offers from at least three to five different insurance companies. This way, you can see who's offering the best price for what you need.
Use Jerry:
Jerry
is a helpful
comparison
app that can help you find good rates. It looks at more than 50 of the best insurance companies across the country with just a tap, so you can find the best deal without a lot of hassle.
Don't forget about car insurance discounts! They can have a big impact on your insurance premium, depending on your situation.
Ask your insurance agent about insurance bundles. If you’re a good student, a pay-in-full type of person, or willing to sign up for a
telematics
program, you could save even more.

Cutting corners on your Ohio car insurance can leave you vulnerable

While it may seem tempting to go for the
cheapest car insurance
that meets your
state's minimum requirements
, that choice could leave you in a tough spot if you're in a serious accident. 
It's usually a smart move to raise your coverage limits for liability beyond the minimum coverage level. If you've got a newer car, it's a good bet to go a step further and add
comprehensive coverage
and
collision coverage
—and choose the highest deductible you can comfortably afford.
For an extra layer of safety, consider adding these kinds of coverage, too:
Methodology:
Jerry’s content editors analyzed 23 of the top insurers in Ohio and chose the best based on a combination of scores from JD Power, AM Best, NAIC, and Jerry’s own nationwide carrier survey.

FAQs

There’s no single car insurance company that will offer the best cheap car insurance for everyone. Your premiums will vary depending on a variety of factors, including your driving record, the car you drive, where you live, your credit score, your driving habits, and the driver discounts you qualify for.
While GEICO, Allstate, and USAA did not make this list, these companies do offer car insurance in Ohio and they might offer good rates for your unique driver profile. The only way to find out is to start
shopping around
.
The average cost of car insurance in Ohio is $1,442 for minimum liability coverage and $1,819 for full coverage car insurance. For policies with coverage beyond the minimum car insurance requirements, auto-owners can expect to pay higher than average prices for their car insurance policy—even good drivers.
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