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Cheapest Car Insurance in Ohio (Jun 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Ohio.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Ohio

When it comes to car insurance, no provider is “one size fits all”—which is why it pays to shop around and compare quotes from multiple car insurance companies.
Fortunately, Ohio drivers can use the
Jerry Insurance Agency
to find the right coverage for them at the right price. 
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Safeco
$72
GMC Terrain SLE
• State Minimum Liability
• Comp / Collision
Nationwide
$61
Ford Fusion SE
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$155
Hyundai Elantra GLS
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$132
Cadillac CT4 Premium Luxury
• 100,000/300,000 Liability
• Comp / Collision
AAA
$134
Nissan Altima 2.5
• State Minimum Liability
coverageLast Updated Jun 23, 2024

Cheapest Ohio car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Ohio can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer
Driving Score
Insurance Savings
Has Violations
Insurance Coverage
William, 25
Albany, OH
89
31%
No
  • 50/100
  • Comp/Collision
Tyler, 34
95
34%
No
  • 50/100
  • Comp/Collision
Nath, 44
92
35%
No
  • 100/300
  • Comp/Collision
Alana, 54
80
26%
No
  • 50/100
  • Comp/Collision
David, 64
87
31%
No
  • State Minimum Liability
  • Comp/Collision

Cheapest car insurance companies in Ohio

The results: There’s no cheapest or best car insurance company for every driver across the board.
Some companies earned top scores for policy cost, while others received higher rankings for customer service. 
In our survey, Ohio customers rated
State Farm
an average of 3.0 out of 5.0 for policy cost and an average of 4.3 out of 5.0 for customer service quality.
AAA
received an average of 5.0 out of 5.0 for both categories.
Here’s what Jerry users had to say about working with their car insurance providers.
Insurance companyDateCost rating (out of 5)What our customer said:
Assurance America
June 15, 2024
4
"I received a great quote for renters insurance and the sign up process was very easy. The only thing I dislike is th...(read more)"
-Mark
Mapfre
June 11, 2024
4
"So far nothing bad to report about this company "
-Vincent
AAA
June 9, 2024
5
"They are a great company. Always fast service and very helpful. "
-Winnie
Bristol West
June 8, 2024
5
"Im really grateful for the cheap rate bristol west gave me and I certainly do not intend to move on anytime soon "
-Christina
Allstate
June 7, 2024
5
"Based in Columbus. He’s a great rep for Allstate. They really do treat you like family! "
-Vera
coverageLast Updated Jun 23, 2024
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
The easiest and fastest way to compare
car insurance quotes
online is to find a car insurance comparison app or website. 
Jerry, a top insurance agency, offers a free app you can use to compare car insurance quotes, and our team of 100+
licensed insurance agents
offer end-to-end service.

Minimum car insurance requirements for liability and full coverage in Ohio

Before you can legally hit the road as a driver in the Buckeye State,
Ohio law
requires you to have a minimum amount of car insurance coverage in place. Based on your insurance needs, you can also opt for a full coverage policy or additional coverage types.

Cheapest minimum liability coverage in Ohio

Ohio drivers are subject to minimum car insurance requirements, which must include, at minimum, the following
liability insurance
limits:
Take a look at what rates other Ohio drivers have found with Jerry for minimum liability coverage.
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Jesus (39 years old)
coverageCoverage
State Minimum
carMitsubishi Outlander Sport ES
$308
per month
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Harriet (24 years old)
coverageCoverage
State Minimum
$134
per month
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Frank (64 years old)
coverageCoverage
State Minimum
$72
per month
card cover
Clearcover
Evan (34 years old)
coverageCoverage
State Minimum
$101
per month
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Maria (32 years old)
coverageCoverage
State Minimum
carChevrolet Express G2500
$124
per month
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Glenn (28 years old)
coverageCoverage
State Minimum
carHonda HR-V LX
$129
per month

Do you need more than the minimum liability insurance coverage in Ohio? 

In many cases, drivers will benefit from having more than the minimum required amount of car insurance in Ohio. 
That’s because more severe accidents can quickly exceed the limits listed above. For better financial protection, consider choosing higher coverage limits on your liability insurance.
Additionally, liability coverage won’t pay for your own medical costs or vehicle damages after an accident. 
The bottom line: Opting for liability coverage in a 50/100/50 or 100/300/100 configuration provides much more financial protection—even if you still opt to forego a full coverage policy.
Lower my car insurance too!

Cheapest full coverage Ohio auto insurance quotes

If you want your car insurance policy to pay for repairing or replacing your car, you’ll want full coverage.
Full coverage typically refers to both
comprehensive
and
collision coverage
  • Collision coverage applies to damages to your vehicle after an accident. 
  • Comprehensive coverage pays for damages after a variety of other types of events, like severe weather, theft, or vandalism.
If you’re financing or leasing your car: It’s likely your lender or dealership will require you to keep full coverage for the duration of your car loan. In fact, you’ll usually be required to show proof of a full coverage policy
before completing your vehicle purchase
.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$308
Mitsubishi Outlander Sport ES
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$131
Buick Encore Sport Touring
• State Minimum Liability
• Comp / Collision
Safeco
$72
GMC Terrain SLE
• 50,000/100,000 Liability
• Comp / Collision
Gainsco
$88
Nissan Rogue S
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$190
Buick Lucerne CX
coverageLast Updated Jun 22, 2024

Average rates for minimum liability coverage and full coverage car insurance in Ohio

From working with thousands of insurance policyholders in Ohio, we've found that the average cost of car insurance with minimum liability coverage is $125 per month or $1,501 per year. The average cost for full coverage insurance in Ohio is $150 per month or $1,801 per year.
Keep in mind: Finding out average insurance costs can be a helpful start for predicting your own, but your actual insurance premium will depend on a variety of factors, such as:
  • The type of car you drive
  • Your driving record
  • Your insurance claims history
  • Your demographics

Ohio car insurance: Additional Coverage

When it comes to additional coverage add-ons, collision and comprehensive coverage aren’t your only choices in Ohio. You can also consider coverages such as:
If you have a car loan: Consider getting gap insurance. If you owe more toward your loan balance than your vehicle is worth and it gets totaled, gap insurance can help you cover the difference.

Car insurance premium by rating factors

Ohio auto insurance companies will examine a variety of rating factors to calculate your car insurance premium:
  • Your driving record and claims history: Good drivers often see a lower average cost of insurance, but expect to pay more for insurance if you’ve had accidents or violations.
  • The type of car you drive: Collision and comprehensive coverage will typically cost more for newer and high-value vehicles—so keep that in mind if you have your eye on a luxury or sports car.
  • Where you keep your car: ZIP codes with higher population densities, higher crime rates, or high severe weather risks can also come with higher insurance costs.
  • How you use your car: Expect to pay more for a daily commuter car than you would for a secondary vehicle you drive for leisure.

How Do Different Factors Impact Your Car Insurance Costs in Ohio ?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Ohio currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Ohio:

How to find cheap Ohio car insurance if you’re a high-risk driver

Your driving history
will affect your car insurance rate. The more violations you have on your record, and the more severe they are, the higher your premium will likely be.

Cheapest car insurance for Ohio drivers with a speeding ticket

Not all violations carry the same weight. For example,
a speeding ticket
for 1-5 mph over the speed limit is less severe than a speeding ticket for more than 21 mph over the speed limit—going that fast could potentially land you with a
reckless driving
charge.
Still, a speeding ticket of any kind will usually affect your car insurance premium. But fortunately, shopping around for quotes can still help you find possible savings.
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$100
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Travelers
$150
• 100,000/300,000 Liability
• Comp / Collision
Speeding 11-15
Bristol West
$175
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Nationwide
$101
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
National General
$261
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jun 23, 2024

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Fast response to questions, problems solved quickly
John
National General
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Travelers
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Safeco
Safeco has provided great service as my current carrier.
Marcus

How to find cheap Ohio auto insurance after a DUI

DUI violations
result in some of the steepest car insurance rate hikes.
To minimize the impact of that potential increase, you can gather quotes from multiple car insurance companies to find the most affordable rate.
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Sean (30 years old)
DUI
coverageCoverage
State Minimum
carChevrolet Trax 1LT
$121
per month
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Mike (51 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$148
per month
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Lucile (27 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$155
per month
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Alejandro (33 years old)
DUI
coverageCoverage
State Minimum
$93
per month
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Minnie (48 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationNorthfield, OH
$149
per month
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Francis (33 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$142
per month

Ohio SR-22 insurance

Serious driving violations like a DUI may leave you subject to
SR-22 requirements in Ohio
.
Your car insurance provider will typically
file an SR-22
with the state of Ohio to confirm you have adequate coverage—but keep in mind that not all providers will offer SR-22 policies, so you may need to seek out quotes from car insurance companies that specialize in coverage for
high-risk drivers
.

Cheapest Ohio auto Insurance after an at-fault accident

Your accident history is one of the most important factors determining your car insurance rate.
Before offering you a quote, insurance companies will evaluate your accident history and past claims to determine your level of risk. At-fault accidents will have the most significant impact.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$109
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$96
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Safeco
$68
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$98
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
National General
$149
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jun 20, 2024

Cheapest auto insurance after other violations in Ohio

Speeding tickets and DUIs are far from the only violations that could put your car insurance rates on the rise. 
But no matter the violation, some providers will likely offer you lower rates than others. Here’s a look at how much drivers have saved by car insurance shopping with Jerry—even with a driving violation.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$133
Honda Accord EX
• State Minimum Liability
• Comp / Collision
Cell Phone
Allstate
$155
Chevrolet Impala LT
• 100,000/300,000 Liability
• Comp / Collision
Defective Equipment
AAA
$372
Hyundai Tucson SEL
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Nationwide
$105
Audi A7 Prestige
• 50,000/100,000 Liability
• Comp / Collision
DUI
State Auto
$184
Honda Accord LX
• State Minimum Liability
• Comp / Collision
Eluding Police
Gainsco
$66
Chevrolet Blazer
• State Minimum Liability
Failure to Obey Signal
Travelers
$111
Mazda 3 Preferred
• 100,000/300,000 Liability
• Comp / Collision
Illegal Turn
Clearcover
$193
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
Improper Passing
Allstate
$150
Nissan Rogue SV
• 100,000/300,000 Liability
• Comp / Collision
Leaving scene of an Accident/Hit and Run
National General
$193
KIA Cadenza Premium
• State Minimum Liability
Passing School Bus
Progressive
$137
Honda CR-V EX
• 100,000/300,000 Liability
• Comp / Collision
Racing/Drag Racing
Progressive
$182
Hyundai Sonata SE
• State Minimum Liability
Reckless Driving
State Auto
$77
Dodge Journey SXT
• State Minimum Liability
Seat Belt
AAA
$115
Toyota Corolla L
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Nationwide
$81
Jeep Compass Latitude
• 100,000/300,000 Liability
• Comp / Collision
Speeding 1-5
Safeco
$63
Ford Flex SEL
• State Minimum Liability
• Comp / Collision
Suspension
Bristol West
$129
Honda HR-V LX
• State Minimum Liability
Wrong Way/Wrong Lane
Gainsco
$266
KIA Optima SX
• State Minimum Liability
• Comp / Collision
Other Minor
Mercury
$245
Toyota Camry
• 10,000/20,000 Liability
coverageLast Updated Jun 23, 2024

FAQs

North Dakota is a no-fault state: This means drivers are subject to more minimum insurance requirements than states that only require liability insurance—and as a result, the average insurance cost for minimum liability coverage is more expensive in North Dakota.
It also means that drivers involved in a
car accident in North Dakota
must turn to their own insurance first. 
North Dakota uses a comparative fault system, so the amount of coverage you can receive from another driver’s insurance depends on the determined percentage of fault for each involved driver—including you.

Cheapest Ohio auto insurance based on insurance history

Car insurance providers like to see an insurance history that shows continuous coverage. 
Having a
lapse in car insurance coverage
can leave you paying a higher rate.
Good news: Jerry can send you insurance payment reminders to help keep your coverage in good standing.
Even if you’re not currently insured or had a lapse in coverage in the past, you could still find savings on a new policy.
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Trevor (49 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$119
per month
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Ina (39 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$236
per month
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Delia (24 years old)
Currently Insured
coverageCoverage
State Minimum
$134
per month
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Ellen (45 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$150
per month
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Gainsco
Jayden (47 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$88
per month
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Earl (27 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationMagnolia, OH
$92
per month

Cheapest car insurance for drivers with poor credit

Drivers with poor credit scores
are statistically more likely to file claims, which can result in higher rates from insurance providers.
If you’re struggling with bad credit: By taking what steps you can to build good credit over time, you could find even more savings on car insurance in the future.
 Our data shows that the average car insurance rate for the highest credit bracket (over 750) is almost 20% higher than the average cost for people with lower credit scores (under 550). 
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$219
Jeep Grand Cherokee Limited
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Travelers
$75
Mazda 3 i
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
AAA
$236
Cadillac Escalade ESV
• 100,000/300,000 Liability
• Comp / Collision
< 550
Nationwide
$101
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 18, 2024

Cheapest Ohio car insurance by age

Young drivers pay some of the highest car insurance rates on average. But by age 25, rates generally start to decrease over time as drivers have gained more experience on the road.

Cheapest Ohio car insurance for young drivers

Teen drivers and those who have yet to earn a full license can expect to pay the highest car insurance rates in Ohio since they’re still gaining driving experience.
Keep in mind: Teen drivers are statistically more likely to experience car accidents, which makes full coverage a worthy consideration—especially for those driving newer cars.
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Kenneth (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$148
per month
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Charlie (22 years old)
coverageCoverage
State Minimum
carBuick Encore Convenience
$93
per month
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Lucas (22 years old)
coverageCoverage
State Minimum
carChevrolet Monte Carlo SS
$185
per month
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Sally (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$346
per month
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Clearcover
Leah (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$105
per month
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Gainsco
Theresa (22 years old)
coverageCoverage
State Minimum
locationCenterburg, OH
carHonda Civic DX VP
$182
per month

Cheapest Ohio car insurance for senior drivers

Car insurance rates generally start to increase for drivers once they reach their mid-70s. 
This is largely due to the increased risk for accidents as well as the likelihood for severe injuries if an accident does occur.
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Walter (73 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$113
per month
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Elva (66 years old)
coverageCoverage
State Minimum
$146
per month
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Emma (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carJeep Grand Cherokee Laredo
$86
per month
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Randall (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMillbury, OH
$82
per month
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Maurice (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMount Orab, OH
$150
per month
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Gainsco
Adelaide (77 years old)
coverageCoverage
State Minimum
$67
per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
I always shared a good relationship with progressive
Jeffrey
Safeco
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
National General
I like this insurance a lot
Krista
AAA
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason

How to find car insurance discounts in Ohio for your motor vehicle

The type of vehicle you own has a significant say in what you pay for car insurance. Insurance providers will consider factors like its safety, age, theft risk, and potential repair and replacement costs when offering you a quote.
These are some of the most popular vehicles in Ohio:
Popular CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Chevrolet Equinox LSProgressive
$96
• 100,000/300,000 Liability
• Comp / Collision
Chevrolet Silverado K1500 LTTravelers
$115
• 50,000/100,000 Liability
• Comp / Collision
RAM 1500 STSafeco
$104
• State Minimum Liability
• Comp / Collision
Ford Escape XLTAAA
$121
• State Minimum Liability
coverageLast Updated Jun 23, 2024

Is it cheaper to insure a new car or a used car?

New cars tend to be more expensive to insure than older ones.
We have found that the average full coverage insurance cost for a car older than 10 years is $1,389 per year in Ohio. The average cost for insuring a car less than 4 years old goes up to $2,078 a year.
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Danny (29 years old)
coverageCoverage
State Minimum
locationAvon Lake, OH
$69
per month
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Connor (47 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$93
per month
card cover
Gavin (50 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$111
per month
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Victoria (34 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$73
per month
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Lina (22 years old)
$86
per month
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Gainsco
Lawrence (46 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$64
per month

How to find cheap car insurance in Ohio in your city

When calculating your insurance rate, Ohio car insurance providers will want to know where you keep your car. Residents of
Cincinnati
,
Cleveland
, and
Columbus
might see different rates.
That’s because your area’s population density, accident and crime rates, and severe weather trends are all factors that present different levels of risk. Even within the same city, you might see different premiums for different zip codes.
Here’s a look at what Jerry drivers across Ohio pay for their coverage.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Hamilton, OH
Jesus, 39
Progressive
$308
Mitsubishi Outlander Sport ES
• State Minimum Liability
• Comp / Collision
Zanesville, OH
Harriet, 24
AAA
$134
Nissan Altima 2.5
• State Minimum Liability
Toledo, OH
Frank, 64
Safeco
$72
GMC Terrain SLE
• State Minimum Liability
• Comp / Collision
Canfield, OH
Susan, 60
Allstate
$132
Cadillac CT4 Premium Luxury
• 100,000/300,000 Liability
• Comp / Collision
Newark, OH
Isaac, 36
Gainsco
$152
Toyota RAV4
• State Minimum Liability
• Comp / Collision
West Chester, OH
Billy, 57
Infinity
$261
Volkswagen Beetle
• No Coverage Liability
• Comp / Collision
Cincinnati, OH
Jimmy, 57
Bristol West
$150
GMC Terrain SLE
• 50,000/100,000 Liability
• Comp / Collision
Dayton, OH
Maria, 32
National General
$124
Chevrolet Express G2500
• State Minimum Liability
Columbus, OH
Evan, 34
Clearcover
$101
Toyota RAV4 XLE
• State Minimum Liability
• Comp / Collision
Cleveland, OH
Amelia, 51
Commonwealth Insurance
$76
Chrysler Pacifica Touring L
• State Minimum Liability
coverageLast Updated Jun 23, 2024

How to lower the cost of car insurance in Ohio

Here are just
a few tips
from Jerry’s licensed insurance agents that could help you trim down your car insurance costs:
  1. Shop around and compare quotes from multiple providers.
  2. Improve your credit score. 
  3. Bundle your car insurance with homeowners insurance
    or renter’s insurance to get a discount. 
  4. Look for
    car insurance discounts
    you are eligible for, such as good student discounts, low mileage discounts, safety feature discounts, or safe driver discounts.
  5. Increase your deductible for your comprehensive and collision coverage—just remember you’ll need to be able to cover that expense out of pocket if you end up filing a claim.
  6. Decide whether it’s worth it to
    drop full coverage
    on an older or low-value car.
  7. Take an approved
    defensive driving course

Why is car insurance so expensive in Ohio?

You might find car insurance in Ohio expensive due to factors outside your control, such as:
  • Your city’s population density
  • Local car theft or crime rates
  • Healthcare costs
  • Rising repair costs
  • Uninsured drivers
  • Inclement weather

FAQs

Car insurance costs in Ohio can vary significantly from person to person due to the myriad factors that insurance providers take into consideration. Different providers will use different methodologies to calculate rates, so shopping around for multiple quotes can increase your odds of finding savings.
Yes. All drivers must carry insurance in accordance with Ohio's state minimums to drive legally in the Buckeye State.
Ohio began requiring minimum liability coverage for drivers in 1969.
Technically, you can
buy insurance without a license
in Ohio, but it’s not easy. Most auto insurance companies require a driver’s license number to sell a policy, but some, especially smaller companies, have workarounds they can use for drivers with a suspended license or who don’t plan to drive.
Car insurance in Ohio tends to be substantially less expensive than the national average
On average, Ohio car insurance costs $[X] per year for basic liability coverage, which comes out to about $[X] per month. Full coverage can cost an average of $[X] annually, or about $[X] per month.
Ohio law requires drivers to carry a minimum amount of car insurance coverage. These minimum requirements consist of at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage. These minimums are commonly referred to as 25/50/25.
There isn’t a single car insurance company that will offer the best rate to everyone. That’s why it’s in drivers’ best interests to gather multiple quotes and compare their options. Using a car insurance comparison app or website makes this a fairly easy task.
To register a car in Ohio, you’ll need to provide proof of insurance, as well as proof of identity and proof of car ownership.
The Ohio Department of insurance recommends you check your policy details to determine whether your coverage follow the car or the driver, particularly when it comes to liability coverage.
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A full coverage car insurance policy will typically include comprehensive and collision coverage, as well as at least the minimum amount of liability coverage required by Ohio state law.
PIP coverage is not required in Ohio, but it can be beneficial for those who don’t have health insurance or who want supplemental protection for what health insurance may not cover.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.