Car Insurance in Ohio

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Looking for cheap car insurance in Ohio?

Ohio has a relatively even balance of urban and rural drivers, meaning that your insurance rates can vary depending on where you live in the state. In general, car insurance premiums in Ohio tend to fall around the national average.
You definitely don’t want to pay more for your insurance than you have to, though. Different providers take different factors into account when calculating your rates. So whether you’re in Cincinnati or Columbus, one thing is for sure: the more quotes you get, the better.
Jerry is an insurance comparison and broker app that makes it easy to find the best rates without all the usual hassles. You can tailor your search to get all the coverage options you want, and Jerry will automatically handle the switchover so that you don’t have to.
Sounds too good to be true? Check out these quotes from real Jerry customers in Ohio:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
October 11, 2021Chevrolet LuminaFindlay20Progressive$160/mo.$65/mo.
October 14, 2021Mazda MX-5 MiataWest Chester20Electric$200/mo.$73/mo.
June 23, 2021Mitsubishi Outlander Sport ESColumbus34Electric$167/mo.$83/mo.
May 27, 2021Fiat 500X EasyToledo30Progressive$130/mo.$88/mo.
January 2, 2021Nissan Maxima SCleveland51Progressive$309/mo.$144/mo.
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How much does car insurance cost in Ohio?

The average cost of basic liability car insurance in Ohio is $1,670 per year. Opting for full-coverage car insurance in Ohio will leave you with an average cost of $1,899 per year.

How does the annual cost in Ohio compare to the rest of the country?

In comparison, the national average is $1,764 per year to buy basic liability car insurance and $2,486 per year to buy full-coverage car insurance.
Why is car insurance expensive in Ohio? Well, it depends on where you live, but a couple of factors contribute:
  • An almost-equal mix of urban and rural drivers
  • Severe weather, particularly in the winter, can cause a spike in claims
  • A moderate percentage (13%) of drivers without adequate insurance
Here’s how the insurance savings with Jerry in Ohio compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
OH$1,823$1,192$1,780$943$2,110$1,560
National Average$2,491$1,672$2,359$1,390$2,763$1,962
OHNational Average
All Coverage Before Jerry
$1,823$2,491
All Coverage After Jerry
$1,192$1,672
Minimum Coverage Before Jerry
$1,780$2,359
Minimum Coverage After Jerry
$943$1,390
Full Coverage Before Jerry
$2,110$2,763
Full Coverage After Jerry
$1,560$1,962
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Top auto insurance providers in Ohio

Whether you’re urban or rural, new to driving or very experienced, there’s an insurance provider in Ohio that’s right for you. Most major insurers serve the state, including State Farm, Progressive, and Allstate.
But selecting an insurance company can feel overwhelming. Every insurer has its own formula for setting rates. This means that if you get quotes from six different companies, you’ll likely end up with six entirely different rates for the same coverage.
Factors that affect your premium can vary between companies, but typically include your age, driving record, and location. Insurers also consider what kind of vehicle you drive. Insuring a BMW 5-series, for example, will almost always cost you more for full-coverage insurance than a Nissan Sentra because more expensive cars cost more to insure.
Jerry customers have found some great deals with various insurance companies in Ohio. Take a look:
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$4,228$1,582Compare Prices
Kemper$3,526$810Compare Prices
Allstate$2,241$809Compare Prices
National General$2,314$776Compare Prices
Nationwide$2,069$767Compare Prices
Travelers$2,152$656Compare Prices
Safeco$1,763$418Compare Prices
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What car insurance do you need in Ohio?

Almost every state has minimum insurance requirements that drivers must adhere to. In Ohio, you need at least the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$25,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
It’s never a good idea to get behind the wheel without adequate insurance. Not only is it illegal, but you are subject to some serious penalties if you get caught:
  • Fines as determined by a court of law
  • Suspension of license + reinstatement fee of up to $600
  • Confiscation of vehicle and license plates
  • FR coverage requirement for 3 to 5 years
  • Financial liability in the event of an accident
If you can afford it, your best bet for fully protecting yourself is to purchase additional insurance. Here are some recommended coverage options:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Uninsured motorist coverageReimburses you for your expenses from an accident caused by an uninsured driver
Personal injury protectionCovers medical expenses, lost wages, and rehabilitation costs after an accident
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
Once you’re ready to shop for a policy, Jerry can help.
Jerry is a comparison shopping app and licensed insurance broker that handles all the hardest parts of comparison shopping so that you don’t have to! Jerry compiles quotes from top companies like AAA and Safecoand takes care of all the paperwork once you pick the one you want.
Now that you know what type of insurance you need, let’s break down what impacts the cost.

How is your cost of car insurance determined in Ohio?

While a variety of factors impact how much you’ll pay for insurance coverage, the main ones include your age, driving record, location, and vehicle.

Cost to insure your car in Ohio by age

Insurers value experience because experienced drivers are less likely to engage in risky driving behaviors or get into accidents. Since young drivers are some of the most inexperienced on the road, they tend to have some of the highest premiums.
What young drivers in Ohio need to know
  • 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
  • Maintaining a good grade point average can qualify student drivers for a good student discount
While most young drivers won’t be privy to the low rates their parents enjoy, shopping around and maintaining a clean driving record are both great ways to unlock more affordable premiums.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,615$985
21-24$2,599$980
25-34$2,187$806
35-44$2,392$835
45-54$1,999$755
55-64$2,537$1,178
65+$2,171$1,233
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Cost to insure your car in Ohio with a poor driving record

Insurance companies also look to your driving record to gauge your risk level—and low-risk drivers will enjoy better rates than high-risk ones. If your record has accidents, speeding tickets, and serious charges like reckless driving or DUI, you can expect to pay rates that are much higher than average for your Ohio car insurance for up to 10 years.
Can you save money on car insurance if you have driving violations? Yes—and comparison shopping app Jerry can help you find deals no matter what your record looks like.
Here’s just a sample of the savings that Jerry customers with less-than-perfect driving records have found:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,179$739
Improper Passing$3,935$2,568
Wrong Way/Wrong Lane$3,098$1,548
Illegal Turn$3,430$1,500
Careless Driving$3,819$1,325
Speeding over 15$3,090$1,056
Failure to Obey Traffic Sign$2,906$938
Speeding under 15$2,623$849
Defective Equipment$1,632$846
DUI$2,431$803
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Cost to insure your car in Ohio based on where you live

Ohio has about 11.7 million people, making it one of the top 10 most populous states in the country. While it has six cities with populations of over 100,000, a sizable percentage of the population lives in areas that are considered rural—so insurance rates tend to vary significantly depending on where you live.
Drivers in cities like Cincinnati typically pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims.
Ohio as a whole, though, 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.
These are the top 10 cheapest cities for car insurance in Ohio:
City
Average Cost
Annual Savings with Jerry
Akron$2,282$773
Canton$2,658$1,199
Cincinnati$2,590$880
Cleveland$2,249$758
Columbus$2,393$876
Dayton$2,384$889
Fairborn$2,095$868
Loveland$2,752$1,115
Toledo$1,945$711
Youngstown$2,286$1,076

Cost to insure your car in Ohio based on the type of car you drive

It might seem obvious, but your car will also have an impact on your insurance rate. In general, inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. Clocking less mileage will also help you save, as it lowers your risk level.
If your car is something fairly average, like a Jeep Cherokee or Mercury Milan, you probably won’t have a hard time finding affordable rates.
On the other hand, you’ll find higher-than-average rates if you need to insure something pricier, like a BMW 3-series or Audi Q5.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Chevrolet Cobalt LT$2,346$1,477
Honda Accord Sport Special Edition$2,376$1,187
Ford Focus SE$2,138$1,004
Nissan Murano S$3,408$971
BMW 328 XI$1,740$501

How to save money on car insurance in Ohio

No matter your age or the type of car you drive, saving money on your insurance is always a good thing. Here are some easy ways to lower those rates.

Shop around for quotes

While shopping around for insurance might not be your ideal Saturday night, it is the best way to find the best rates. Thankfully, comparison shopping isn’t what it used to be.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Your job is to sign up and answer a few simple questions. Jerry’s job is to gather quotes from dozens of insurers in your area to find you the best deal, then help you finalize your new policy so that you can just sit back and enjoy the savings.
The average Jerry customer saves $879 per year on car insurance!

Look for discounts

Almost all insurance companies offer discounts that, when combined, can make a serious dent in your annual premium. Here are some of the most popular ones for drivers in Ohio:
Discount typeWho is eligible?
Bundling your policies If you insure multiple vehicles or multiple products with the same insurance company, you’re likely eligible for a bundling discount of up to about 12%.
Go paperless By switching to online-only statements and scheduling automatic payments, you could qualify for a sizable discount on your car insurance.
Good student discountYoung 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; or rank in the top 20% of a PSAT, PACT, SAT–1, or ACT administered in the last 12 months.
Vehicle safety discountIf your vehicle has high-rated safety features, you can get a discount on your premium. Certain makes and models are eligible for this discount, so be sure to check with your provider.
Membership discountIf you’re part of an educational, alumni, professional, or other member organization, you might be eligible for a group discount on your car insurance.
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Increase your deductible

If you increase your deductible—the amount you pay for a claim before your insurance kicks in—then your insurance rate will go down. But there’s a catch: this only makes sense if you can afford to pay the deductible in full each time you have to make a claim.
Before you opt for a higher deductible, review your finances to make sure you won’t end up in a sticky financial situation.

Registering your car in Ohio

To register a car in Ohio, bring the following to the DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Vehicle inspection certificate (annually)
  • Vehicle emissions certificate (every other year)
In Ohio, you must renew your vehicle registration annually. You can do it online or in person at a DMV office.

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