Cheapest Insurance in Ohio 2021

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
The buckeye state is a wonderful mix of big cities and small towns, fast highways and leisurely country roads. If you’re looking for affordable car insurance for driving the roads of Ohio, you’ll want to explore quotes from various providers.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Ohio. And if you want to learn more about car insurance rates in Ohio, keep reading.
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)
Here’s how much real Jerry customers saved in Ohio when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
August 17, 2021Ford Edge LimitedColumbus24ElectricBasic$256/mo.$63/mo.
August 20, 2021Toyota Camry LECincinnati21AllstateCurrent$164/mo.$75/mo.
May 2, 2021Nissan Rogue SCincinnati60SafecoStandard$170/mo.$90/mo.
August 19, 2021Toyota Scion ImCincinnati21ProgressiveCurrent$269/mo.$103/mo.
May 13, 2021Ford Fusion SECincinnati30ClearCoverStandard$194/mo.$166/mo.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Ohio.

Cheapest minimum coverage car insurance in Ohio

Each state has different requirements for the minimum insurance that drivers must carry. Here’s the coverage you need to have when you’re on the road in Ohio:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Ohio:
Before Jerry
After Jerry
$2,312$1,281
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Additional coverages you might want to consider when shopping for car insurance in Ohio

Risk FactorCoverage to Consider
High percentage of uninsured driversUninsured/underinsured motorist protection offers coverage if an uninsured or underinsured motorist seriously injures you or a member of your household.
Severe winter stormsComprehensive insurance covers your vehicle if it is stolen or damaged by a falling object, animal, vandals, or weather event.
Icy winter roadsCollision insurance can be especially helpful during winter driving, when collision potential is at its highest. It covers physical damage to your car in the event of a collision.
Minimum liability insurance is all you need to legally drive in Ohio, but purchasing additional coverage is a good idea if you can afford it.

Best carriers for minimum coverage car insurance in Ohio

Driving without the minimum required insurance under Ohio state law can result in some pretty major consequences. If you’re caught, penalties may include fines, license and registration suspension, and vehicle towing and impoundment.
But there’s really no need to drive uninsured or underinsured, since it’s easy to find affordable coverage from insurers.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Ohio:
Insurance Company
Before Jerry
After Jerry
Allstate$2,583$1,163
National General$2,347$1,252
Progressive$2,408$1,352
Kemper$2,029$1,364

Cheapest full coverage car insurance in Ohio

As an at-fault insurance state, carrying more than just the minimum required coverage is a good idea in Ohio.
If you get into an accident where the other driver is at fault but not insured, you’ll need to rely on uninsured motorist coverage to take care of the costs. This isn’t part of the mandatory insurance requirements, but is almost always part of a full coverage insurance package.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,417$1,751
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Best carriers for full coverage car insurance in Ohio

Standard deductibles may vary between insurers, and you want to be sure that you’re getting the best deal for the coverage you really need.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Ohio:
Insurance Company
Before Jerry
After Jerry
Safeco$1,812$816
Nationwide$2,040$1,006
Progressive$2,384$1,600
National General$2,443$2,002
Allstate$2,889$2,150

Cost to insure your car in Ohio by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
On top of this, research shows that young drivers are more likely to engage in risky driving behaviours like speeding, which increase the likelihood of an accident.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,577$1,653
21-24$2,484$1,567
25-34$2,285$1,388
35-44$2,040$1,285
45-54$1,870$1,216
55-64$2,150$1,329
65+$2,108$1,002
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Cost of insurance for drivers in Ohio with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
The length of time that these infractions affect your insurance premiums vary depending on your provider and the severity of the charge. Many insurance companies look back up to 10 years for major violations.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,116$1,428
Improper Passing$1,924$1,248
DUI$2,193$1,371
Wrong Way/Wrong Lane$2,680$1,648
Speeding under 15$2,588$1,658
Failure to Obey Traffic Sign$2,610$1,805
Speeding over 15$2,635$1,894
Suspension$2,520$2,020
Careless Driving$3,124$2,098
Leaving scene of an Accident/Hit and Run$3,330$2,443

Best carriers for drivers with infractions in Ohio

Insurance Company
Before Jerry
After Jerry
Nationwide$1,701$1,238
Allstate$2,242$1,336
Progressive$2,505$1,628
National General$2,363$1,650
Travelers$2,517$1,795
Safeco$2,521$1,861
Kemper$2,687$1,873
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Cost of insurance for young drivers in Ohio with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
And high premiums aren’t the only issue—there’s also a loss of privileges. In Ohio, teenager drivers who are convicted of a moving offense must travel with their parents for six months following the incident.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,670$1,792
Improper Passing$1,924$1,248
DUI$3,284$1,328
Wrong Way/Wrong Lane$1,704$1,500
Speeding under 15$2,906$1,773
Speeding over 15$3,019$2,044
Failure to Obey Traffic Sign$3,208$2,256
Leaving scene of an Accident/Hit and Run$3,330$2,443
Careless Driving$3,551$2,443
Driving on Sus. License$3,380$2,686

Best carriers for young drivers with infractions in Ohio

If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Ohio, check out these top carriers.
Insurance Company
Before Jerry
After Jerry
Allstate$2,124$1,203
Nationwide$1,647$1,377
Progressive$2,882$1,894
National General$2,840$1,944
Kemper$2,855$2,164
Safeco$2,561$2,228
Travelers$3,504$2,662
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Types of discounts that might be available to you in Ohio

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Ohio.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Ohio insurance companies have such a wide variety of discounts to offer that nearly everyone should qualify for something to reduce their insurance premiums.
Discount TypeWho is Eligible?
Good driver discountsDrivers who meet Ohio’s criteria of a ‘good driver’ can save up to 30% off their premium.
Bundle discountsIf you insure multiple vehicles or multiple products with the same insurance company, you’re likely eligible for a bundle discount of up to about 12%.
Good student discountsYoung drivers in Ohio are eligible for a good student discount if they’re 16–24 years old and meet one of the following criteria:

* Rank in the top 20% of their class or maintain a B average

* Maintain a position on the Dean’s Honor Roll

* Ranked in the top 20% of a PSAT, PACT, SAT–1, or ACT administered in the last 12 months
Membership discountsIf you’re part of an educational, alumni, professional, or other member organization, you might be eligible for a group discount on your car insurance.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.

How much does it cost to insure my car make in Ohio?

There might be a good reason that the Honda Civic is the most popular car in Ohio! Besides being super practical and fun to drive, it’s also one of the most affordable cars to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Acura RDX$1,680$1,248
Alfa Romeo
Stelvio Sport
$1,500$600
Alfa Romeo Giulia Q4$800$348
Audi A8 L Quattro$1,086$534
Audi Q8 Premium$2,266$1,560
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Cheapest car insurance in Ohio by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Ohio as a whole typically enjoys lower car insurance rates than the nationwide average. This can be attributed to the safe habits of Ohio drivers and relatively few incidents and claims.
The state also has a saturated and competitive insurance market, which means more choice for drivers—and lower rates.
City
Before Jerry
After Jerry
Columbus$2,458$1,667
Cleveland
$2,456$1,552
Toledo
$1,899$1,399
Dayton
$2,344$1,683
Akron
$2,803$1,716
Canton
$2,539$1,666
Fairborn
$2,221$1,364
Youngstown
$2,452$1,419
Loveland
$2,567$1,392

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

Browse questions from our car experts

Still have some questions?
Learn how Jerry can help you save money on car insurance, our policies, privacy, customer service, and more.
Read FAQ

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free