How to Find the Best Full Coverage Car Insurance in Ohio

Most Ohio drivers pay an average $152 per month for a full coverage plan across leading companies such as Kemper, Dairyland, and AAA.
Written by Kianna Walpole
Edited by Sarah Gray
For the state of Ohio, the average cost of full coverage auto insurance is $152 per month, or $1,819 annually, and typically includes both comprehensive coverage and collision coverage. To find the
cheapest car insurance rates in Ohio
, you will need to
compare car insurance quotes
from different insurance providers. 
  • For a
    full coverage car insurance
    policy in Ohio, drivers will pay around $152 per month.
  • Companies including Kemper, Dairyland, and AAA are some of the cheapest car insurance companies that offer full coverage options.
  • Ohio is one of the US states that has the lowest car insurance premium rates, but most prices will vary depending on your specific type of full coverage policy and driver history. 
  • With a financed or leased car, Ohio drivers will need to show proof of a full coverage plan before purchase. 

How to get the best full coverage car insurance in Ohio

One of the most fool-proof ways to get the best full coverage car insurance in Ohio is to shop around and compare things such as insurance requirements, deductibles, and liability coverage options from different providers. 
Below is a table highlighting the average rates for full coverage policies from five of the
best full coverage car insurance companies
in Ohio: 
Insurance companyAverage full coverage premium
State Auto$1,016

Methodology: How did we pick these five companies?

To narrow down the five cheapest auto insurance companies in Ohio, Jerry’s data analysis spent over 200 hours analyzing data from over 25 million real car insurance quotes from the past year. The companies listed above had the lowest average rates for full coverage auto insurance policies for good drivers in Ohio.
Liability vs. full coverage:
Liability insurance
refers to the state minimum coverage amount that drivers can obtain from an insurance provider. Full coverage auto insurance includes both
comprehensive coverage
collision coverage
alongside liability coverage. 
Together, collision and comprehensive insurance help to protect your car from physical damage as the result of a car accident, vandalism, theft, falling objects, and more. 
How much coverage do you need? For Ohio drivers, the state minimum requirements for insurance include $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $25,000 per accident for property damage liability. 
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The secret to finding the best full coverage auto insurance company in Ohio
There’s no single car insurance company that offers the lowest rates on full coverage for every driver in Ohio. Car insurance companies look at your entire profile, from your age and ZIP code to your driving record and insurance history, when setting auto insurance rates. 
And every insurance provider uses a different set of calculations to set your premium—meaning that the best car insurance company is different for every driver.
Some drivers will find the cheapest car insurance coverage with Ohio’s biggest insurers—GEICO, Progressive, Allstate, State Farm, Nationwide, and USAA—but others will find the best car insurance rates with smaller providers like AAA, Erie, or American. 

Why most Ohio drivers need full coverage car insurance

In some cases, only applying for Ohio’s minimum liability coverage plan to meet
state insurance laws
isn’t enough. For added financial protection, some Ohio drivers might want to extend their coverage limits. Here are a few reasons why you might want to invest in extra auto insurance coverage: 
  • Distracted driving: According to the US Department of Transportation, there were over 3,522 fatal crashes across the US due to distracted driving—whether that was cognitive, taking hands off the wheel, or cellphone use.
  • Higher rate of uninsured motorists: In a 2019 study, the Insurance Information Institute discovered that around 13% of drivers are uninsured in Ohio, and it’s possible that this number has increased over time.
  • Theft and vandalism: Ohio ranks as one of the highest states for car break ins, with 29,913 acts of theft or vandalism in 2022—a 6% increase since 2021.
  • Teen driver fatalities: In a recent news press statement, Governor DeWine stated that young drivers (under the age of 24) are involved in almost 31% of Ohio accidents, despite them only making up 13% of the driving population.
To protect yourself, your family, and others, it’s recommended that Ohio drivers purchase a full coverage policy for additional security. 
Auto loan requirements: If you are leasing or financing a car in Ohio, it’s mandatory to have comprehensive and collision coverage, in addition to the state minimum insurance requirements.

Do you need no-fault insurance in Ohio?

No, you don’t need
no-fault insurance
in Ohio as it’s an at-fault state. This means that if you’re involved in an at-fault accident, you will likely be responsible for all financial obligations from damages to healthcare.
For Ohio drivers, a similar solution to personal injury protection (PIP) is
medical payment (MedPay) coverage
. This can be purchased separately from liability, collision, and underinsured motorist coverage, and will cover medical bills for the policyholder and their passengers in the event of an accident. 

Do you need uninsured motorist coverage in Ohio?

Currently, there is no mandate for
uninsured/underinsured motorist coverage
in Ohio—but that doesn’t mean you can’t have it as an add-on to your existing Ohio car insurance policy. UIM/UM coverage is set in place to protect you if you suffer any form of loss from an accident with an underinsured or uninsured driver.

Do you need gap coverage in Ohio?

It’s not required for auto-owners to purchase
gap (or guaranteed asset protection) coverage
in the state of Ohio, however, some auto loan lenders may ask for it. This is because gap insurance helps to “close the gap” between your car’s total value and the insurance payout, should it ever be deemed as a total loss or stolen. 

Should you drop full coverage in Ohio?

The only time you should ever drop a full coverage plan on your vehicle in Ohio is if: 
  • Your vehicle is older, and the value is worth less than what your total coverage costs
  • You are able to pay out-of-pocket to replace your vehicle after a total loss accident
  • You’ve finished making payments on your auto loan 
If you drop your full coverage policy and are thinking of switching to the state minimum, keep in mind that the average cost for a minimum policy in Ohio is $120 per month, or $1,442 annually. 
But there are other options. Not sure where to look? Try using the
app to compare
free car insurance quotes
across Ohio to find the cheapest car insurance discounts. Jerry is a licensed insurance broker serving over 4 million policyholders nationwide, with a team of 100+ licensed insurance agents standing by to assist you by text or phone. 


Full coverage insurance in Ohio costs drivers an average of $1,819, which is lower than the national average in the US. Full coverage insurance is generally a more affordable and secure option for most Ohio drivers that have a clean driving record and good credit score. For high-risk drivers, there are insurance discounts with companies like Progressive and State Farm for good student and safe driving practices.
According to Ohio law, drivers must have the minimum state insurance, which is $25,000 per person and $50,000 per accident in bodily injury protection, and $25,000 in property damage liability. However, some drivers may require or desire more coverage.
An Ohio auto insurance policy with $50k/$100k of bodily injury liability and $50k of property damage liability with extra comprehensive and collision coverage is the best solution for those in the Buckeye State seeking additional protection. For even further security, consider investing in roadside assistance, rental car reimbursement coverage, and medical expense plans.
The average cost of car insurance in Ohio ranges from $1,442 to $1,819, depending on if you opt for a full coverage or minimum insurance policy. However, if you have traffic violations—such a speeding ticket or DUI—or accidents on your driving record, your premium will increase.  
most affordable and cheapest full coverage policies
in Ohio include a little more than the minimum state car insurance requirements (such as $50k/$100k) and just enough collision and comprehensive coverage to cover vehicle damage or a total loss. 
Other strategies to get cheap car insurance include comparing auto insurance quotes from multiple providers to determine if your profile qualifies for
car insurance discounts
and raising the deductible on your comprehensive and collision insurance. 
Progressive is one of Ohio’s best motor vehicle insurance companies, with coverage from Cincinnati to Columbus and Cleveland for a wide variety of driver needs. However, not all customers find the cheapest rates with Progressive. 
If you have multiple traffic violations on your driving history, or an at-fault accident, Progressive may increase your insurance premiums.


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