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The average cost of basic liability car insurance in Ohio is $2,175 per year. Opting for full-coverage car insurance in Ohio will leave you with an average cost of $2,103 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Best car insurance companies in Ohio
On the hunt for cheap car insurance in Ohio? You can find low rates with companies like State Farm, GEICO, and Progressive—but the cheapest car insurance companies are different for every driver.
Every company uses a different methodology to set car insurance premiums, based on a wide range of factors from driving record and credit score to ZIP code, age, and gender. If a 30-year-old man with bad credit and a perfect driving record from Cleveland and a 64-year-old Toledo woman with good credit and a recent car accident requests quotes from the same company, they’ll likely see different annual rates, even if the cars they drive and the coverage limits they select are identical!
Erie, Allstate, USAA—they all weigh each factor in your profile a little differently, so the only way to know which company is right for you is to compare rates.
Annual premiums for insurance in Ohio tend to be fairly cheap, often staying right in line with the national average. That said, insurance premiums are highly individualized. They’re affected not only by your own driving record, but also by factors, such as where you live.
Which month is car insurance cheapest?
Generally speaking, insurance providers charge the same rate every month for insurance. That said, many insurers offer discounts to drivers who choose to pay their policies in full or 6 months at a time rather than monthly.
Is car insurance cheaper once paid off?
While your premium may not fall once you’ve paid off your balance, many providers offer discounts to drivers who pay their policies in full or at 6-month rather than monthly intervals.
How much does auto insurance cost in Ohio?
Auto insurance is fairly cheap in Ohio, with typical rates below the national average. Compared to a pricey no-fault state like New York or a state with high minimum coverage requirements like Michigan, Ohio is an affordable state for auto insurance.
But there are a few factors that can drive up the price of coverage for Ohio drivers:
Severe winter weather can lead to expensive claims
About 13% of drivers don’t carry state minimum liability insurance
Urban and rural drivers are equally mixed
The Buckeye State is home to lots of highways and interstates, meaning that a lot of traffic comes through Ohio on a daily basis. In congested areas, that traffic can lead to a higher rate of collisions, violations, and fatalities. And in the winter, driving becomes even riskier—and claims escalate.
But it’s not impossible to find affordable auto insurance coverage in the state of Ohio. Here’s a rundown of what you need to know to find car insurance in Ohio.
Ohio car insurance requirements
How much coverage you buy can also affect the cost of car insurance in Ohio. The biggest decision is whether to stick to minimum coverage or buy a so-called “full coverage policy.”
Collision and comprehensive are especially important, as they allow you to file a claim for damage to your own vehicle from a variety of events. These two types of coverage are so crucial that people often refer to a policy that combines both with basic liability as a “full coverage car insurance policy.” You can see how much it might cost to add collision and comprehensive to a minimum coverage policy below.
Why is full coverage car insurance so expensive in Ohio?
Cheapest car insurance with a DUI or speeding ticket in Ohio
Your driving record plays a huge role in setting your rate, since insurance companies use it to gauge the level of risk you present. A clean driving record suggests that you won’t generate many claims, but anyone with a pattern of multiple tickets (or just one serious charge like reckless driving or DUI) could be labeled a high-risk driver—and high-risk drivers pay extra for insurance.
How much extra? That depends on the violation, as well as the other factors, like credit history and vehicle type, that impact your rate. Here's what drivers with imperfect records paid when they used Jerry.
Teen drivers pay some of the highest annual premiums thanks to their lack of experience. Statistics show that teen drivers have the highest rates of both accidents and violations—and even if your teen is a safe driver, statistics are what the insurance company will look at.
So what’s the solution—other than waiting for their rates to drop after their 25th birthday? Young drivers can find savings by comparing quotes, as well as by qualifying for car insurance discounts like a good student discount or a driver training discount.
Use the table below to see how your premiums could shift as you get older based on averages for your age group.
How can young drivers save money on car insurance in Ohio?
Ohio has graduated licensing laws that are designed to help young drivers develop the skills and experience required to earn their official license
Completing an approved defensive driving course can help young drivers secure lower rates
Where you live in Ohio affects how much you’ll pay for auto insurance coverage. For instance, Cincinnati car insurance costs are higher than the state average due to traffic congestion. Akron drivers are likely to pay more due to elevated crime rates as well as higher population density than the surrounding areas.
You can use the table below to estimate your potential rates based on the part of Ohio where you live!
At an average 34.7 minutes, Georgetown has the longest average commute time in Ohio. Longer commutes can mean more mileage on your vehicle and an increased risk of accidents—both of which may raise your premiums.
When you buy car insurance, you’re buying coverage for your vehicle, not yourself—so it stands to reason that the type of vehicle you insure will affect your rate.
It’s probably no surprise that expensive vehicles tend to carry high insurance premiums, but the cost of your car isn’t the only thing that matters to your insurance company. They’ll also want to know how safe it is, how easy it is to find replacement parts, how affordable repairs are, and how you’re using it.
What are the minimum car insurance requirements in Ohio?
Most states have minimum insurance requirements that you must meet to hit the road. In fact, Virginia and New Hampshire are the only states nationwide that don’t require all drivers to purchase car insurance.
How much insurance do I need in Ohio?
In Ohio, drivers are required to have a minimum of $25,000 per person, $50,000 per accident in bodily injury protection, and $25,000 in property damage liability per accident. They’re also required to have $25,000 in personal injury protection (PIP) coverage.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV, so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Ohio a no-fault state?
No, Ohio is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
Liability insurance is the minimum requirement for Ohio drivers, but it likely won’t give you all the coverage you need. After all, if you’re in an accident with an uninsured or underinsured driver or if your car’s damaged by anything other than an accident, you won’t have any way to file a claim if you only carry liability coverage.
Experts recommend purchasing full-coverage insurance including collision and comprehensive coverage. And if you’re financing or leasing your vehicle, your lender might actually require you to carry those types of insurance!
Check out the features below for more tips on the kinds of additional coverage Ohio drivers should consider buying.
Ohio ranks 31st for traffic and infrastructure. Due to higher amounts of traffic and poorer quality of roads, it’s more likely that you’ll be involved in an accident on Ohio’s roads. Protect you and your vehicle with collision coverage.
Ohio drivers rank their roads a 5.06/10. With poor road quality, it’s a good idea to get covered with roadside assistance. This will protect you from being stranded due to bad road conditions.
How to save money on car insurance in Ohio
Ohio has one of the country’s lowest cost of living indexes—but no one wants to spend more than they have to on car insurance. Here are a few ways to cut down on car insurance costs in the Buckeye State.
Shop around for quotes
All insurance experts agree that comparing quotes is the best way to find lower rates on the coverage you need. But calling up individual insurance companies to ask for quotes can be time-consuming and stressful, and you’re likely to end up filling out the same form over and over just to get the quotes you need.
For the best car insurance at the most affordable price, use a car insurance comparison tool so you don't have to get quotes from each company individually.
Look for discounts
You’ve heard it before: bundle homeowners insurance and auto insurance from the same company, and you’ll get discounted rates on both.
Most car insurance companies actually offer a lot of discounts, but they don’t advertise all of them. Check out the boxes below to learn about other popular car insurance discounts you may be eligible for in Ohio.
Clean Driving Record Discounts
Safe drivers are less likely to file claims, which saves carriers money. If you can prove you’re a safe driver by keeping a clean driving record, you can score a nice discount.
Drivers who bundle home, auto, and/or renters insurance will qualify for a discount at most carriers.
Defensive Driving Discount
Drivers ages 55+ are eligible for defensive driving discounts in Ohio if they complete a state-approved defensive driving course.
Increase your deductible
You can keep your month-to-month insurance costs low by raising the deductible on your collision or comprehensive insurance. This amount, which you agree to pay out of pocket before your insurance kicks in on a claim, is typically $500 or $1,000—but the higher it is, the less you pay to maintain the policy.
If you can afford a larger deductible, this is a great way to balance out the benefits of your coverage with the ongoing costs and free up some cash flow. But don’t choose a deductible that’s higher than what you could realistically pay at once.