PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Cheapest Car Insurance in Ohio (Nov 2024)
Cheapest Car Insurance in Ohio (Nov 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Ohio.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Ohio
- Cheapest Ohio car insurance for good drivers
- Cheapest car insurance companies in Ohio
- Ohio Car Insurance Coverage Requirements
- Ohio Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Ohio ?
- Car Insurance for High-Risk Ohio Drivers
- Car Insurance for Ohio Drivers With DUI
- Car Insurance for Ohio Drivers With a Coverage Lapse
- Car Insurance for Ohio Drivers With a Low Credit Score
- Ohio Car Insurance Cost by Age
- Ohio Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- Ohio Insurance Cost by Zip Code
- How to lower the cost of car insurance in Ohio
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
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 Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $71 | Effie, 35 | Ford Fusion SEL | • State Minimum Liability |
| Safeco | $76 | Adeline, 38 | Acura RDX A-Spec Advance | • State Minimum Liability • Comp / Collision |
| Allstate | $131 | Derrick, 63 | Buick Encore Sport Touring | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $155 | Cody, 51 | Hyundai Elantra GLS | • 50,000/100,000 Liability • Comp / Collision |
| Nationwide | $96 | Hettie, 33 | Cadillac XT5 Premium Luxury | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest 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 |
|
Tyler, 34 | 95 | 34% | No |
|
Nath, 44 | 92 | 35% | No |
|
Alana, 54 | 80 | 26% | No |
|
David, 64 | 87 | 31% | No |
|
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 company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Mercury | November 16, 2024 | 5 | "Never had insurance this low and didn’t have to call everywhere to find it thank to the Jerry crew! Love the communic...(read more)" -Lucas |
| Assurance America | November 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)" -Logan |
| Allstate | November 13, 2024 | 4 | "They're too pricey for me. " -Marguerite |
| USA Underwriters Insurance | November 9, 2024 | 4 | "So far nothing bad to report about this company " -Flora |
| AAA | November 7, 2024 | 5 | "Great customer service. Did the drive wise app and got my price even lower after 3 months. " -Lelia |
Last Updated Nov 16, 2024
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.
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.
Cora (49 years old)
$193
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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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.
- 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 Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $136 | Jim, 49 Toledo, OH | Jeep Patriot Latitude |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $178 | Jorge, 29 | Honda Civic SI |
• 50,000/100,000 Liability • Comp / Collision | National General | $87 | Lois, 35 | Subaru Forester Sport |
• 100,000/300,000 Liability • Comp / Collision | Clearcover | $341 | Carl, 25 | Jeep Cherokee Latitude PL |
• State Minimum Liability • Comp / Collision | Bristol West | $67 | Lenora, 45 | Toyota Camry LE |
Last Updated Nov 19, 2024Average 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 $128 per month or $1,531 per year. The average cost for full coverage insurance in Ohio is $200 per month or $2,402 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.
How Do Different Factors Impact Your Car Insurance Costs in Ohio ?
How Do Different Factors Impact Your Car Insurance Costs in Ohio ?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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 Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $100 | Violet, 27 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 6-10 | Travelers | $150 | Lettie, 46 Cincinnati, OH | • 100,000/300,000 Liability • Comp / Collision |
Speeding 11-15 | Bristol West | $175 | Elijah, 33 Brookpark, OH | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Nationwide | $101 | Elmer, 34 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | National General | $261 | Gary, 40 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Over 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:
Fast response to questions, problems solved quickly
John
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
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.
Elmer (28 years old)
$178
per month
Nell (67 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$248
per month
Clearcover
Benjamin (31 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$94
per month
Ohio SR-22 insurance
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 Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $109 | Luke, 54 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $96 | Albert, 58 West Union, OH | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Safeco | $68 | Wayne, 31 | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $98 | Betty, 25 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With Injury | National General | $149 | Kevin, 53 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheapest 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.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $133 | Leroy, 24 | Honda Accord EX | • State Minimum Liability • Comp / Collision |
Cell Phone | Allstate | $155 | Franklin, 27 | Chevrolet Impala LT | • 100,000/300,000 Liability • Comp / Collision |
Defective Equipment | AAA | $372 | Marvin, 23 Toledo, OH | Hyundai Tucson SEL | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Nationwide | $105 | Eula, 35 | Audi A7 Prestige | • 50,000/100,000 Liability • Comp / Collision |
DUI | State Auto | $184 | Clarence, 35 Deerfield, OH | Honda Accord LX | • State Minimum Liability • Comp / Collision |
Eluding Police | Gainsco | $66 | Celia, 46 | Chevrolet Blazer | • State Minimum Liability |
Failure to Obey Signal | Travelers | $111 | Rose, 27 Cincinnati, OH | Mazda 3 Preferred | • 100,000/300,000 Liability • Comp / Collision |
Illegal Turn | Clearcover | $193 | Maude, 40 Frankfort, OH | Hyundai Sonata SE | • State Minimum Liability • Comp / Collision |
Improper Passing | Allstate | $150 | Elsie, 45 | Nissan Rogue SV | • 100,000/300,000 Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | National General | $193 | Linnie, 26 Toledo, OH | KIA Cadenza Premium | • State Minimum Liability |
Passing School Bus | Progressive | $137 | Johnny, 41 | Honda CR-V EX | • 100,000/300,000 Liability • Comp / Collision |
Racing/Drag Racing | Progressive | $182 | Harry, 22 Cincinnati, OH | Hyundai Sonata SE | • State Minimum Liability |
Reckless Driving | State Auto | $77 | Wayne, 30 | Dodge Journey SXT | • State Minimum Liability |
Seat Belt | AAA | $115 | Nathan, 30 | Toyota Corolla L | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Nationwide | $81 | Alta, 32 Shaker Heights, OH | Jeep Compass Latitude | • 100,000/300,000 Liability • Comp / Collision |
Speeding 1-5 | Safeco | $63 | Maud, 37 Toledo, OH | Ford Flex SEL | • State Minimum Liability • Comp / Collision |
Suspension | Bristol West | $129 | Isabel, 28 | Honda HR-V LX | • State Minimum Liability |
Wrong Way/Wrong Lane | Gainsco | $266 | Tony, 31 Toledo, OH | KIA Optima SX | • State Minimum Liability • Comp / Collision |
Other Minor | Mercury | $245 | Lola, 28 | Toyota Camry | • 10,000/20,000 Liability |
Last Updated Nov 22, 2024FAQs
Is North Dakota an at-fault state?
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.
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.
Harry (49 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$119
per month
Dollie (39 years old)
Not Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$236
per month
Bryan (24 years old)
$134
per month
Gainsco
Manuel (47 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$88
per month
Alvin (27 years old)
$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 Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $219 | Wesley, 30 | Jeep Grand Cherokee Limited | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Travelers | $75 | Jason, 30 Plain City, OH | Mazda 3 i | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | AAA | $236 | Amelia, 39 | Cadillac Escalade ESV | • 100,000/300,000 Liability • Comp / Collision |
< 550 | Nationwide | $101 | Polly, 43 | Hyundai Sonata SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheapest 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.
Agnes (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$119
per month
Blanche (23 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$148
per month
Gainsco
Hester (23 years old)
$135
per month
Clearcover
Antonio (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Fairfield, OH$190
per month
Jason (24 years old)
$221
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.
Chase (79 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$81
per month
Cecelia (65 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$73
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:
I always shared a good relationship with progressive
Jeffrey
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
I like this insurance a lot
Krista
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 Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 Longhorn | Progressive | $238 | Luella, 46 Wintersville, OH | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Is 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 $1,719 per year in Ohio. The average cost for insuring a car less than 4 years old goes up to $2,603 a year.
Christopher (29 years old)
$69
per month
Aiden (48 years old)
$93
per month
Etta (51 years old)
$111
per month
Darrell (25 years old)
$110
per month
Mattie (46 years old)
$67
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.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Cleveland, OH | Jackson, 35 | Progressive | $71 | Ford Fusion SEL | • State Minimum Liability |
| Lorain, OH | Alex, 63 | Allstate | $131 | Buick Encore Sport Touring | • 50,000/100,000 Liability • Comp / Collision |
| Middletown, OH | Bernice, 23 | AAA | $86 | Chevrolet Venture | • State Minimum Liability |
| Hillsboro, OH | Lulu, 60 | Safeco | $135 | KIA Sorento L | • 100,000/300,000 Liability • Comp / Collision |
| Columbus, OH | Esther, 33 | Nationwide | $96 | Cadillac XT5 Premium Luxury | • 100,000/300,000 Liability • Comp / Collision |
| Conneaut, OH | Glen, 34 | Clearcover | $164 | Nissan Rogue S | • State Minimum Liability • Comp / Collision |
| Maineville, OH | Elnora, 45 | Gainsco | $164 | Toyota Camry LE | • State Minimum Liability • Comp / Collision |
| Youngstown, OH | Ola, 30 | Bristol West | $100 | Honda Civic EX | • State Minimum Liability |
| Dayton, OH | Craig, 64 | State Auto | $109 | Nissan Rogue S | • State Minimum Liability • Comp / Collision |
| Canton, OH | Lettie, 57 | Commonwealth Insurance | $117 | Buick Envision Essence | • State Minimum Liability • Comp / Collision |
| Cleveland, OH | Olga, 63 | Dairyland | $114 | Jeep Grand Cherokee Limit | • State Minimum Liability |
| Salem, OH | Calvin, 26 | Trexis | $412 | Toyota Corolla L | • State Minimum Liability • Comp / Collision |
| Marion, OH | Gertrude, 24 | The General | $224 | Hyundai Accent SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 22, 2024How 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:- Shop around and compare quotes from multiple providers.
- Improve your credit score.
- Bundle your car insurance with homeowners insuranceor renter’s insurance to get a discount.
- Look forcar insurance discountsyou are eligible for, such as good student discounts, low mileage discounts, safety feature discounts, or safe driver discounts.
- 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.
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
How much is car insurance in Ohio?
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.
Do you need car insurance in Ohio?
Yes. All drivers must carry insurance in accordance with Ohio's state minimums to drive legally in the Buckeye State.
When did car insurance become mandatory in Ohio?
Ohio began requiring minimum liability coverage for drivers in 1969.
Can you get car insurance without a license in Ohio?
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. Is car insurance cheaper in Ohio?
Car insurance in Ohio tends to be substantially less expensive than the national average
How much does car insurance cost per month in Ohio?
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.
What is Ohio’s minimum level of auto insurance coverage?
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.
What company charges the least for car insurance in Ohio?
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.
Do you need insurance to register a car in Ohio?
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.
Does insurance follow the car or the driver in Ohio?
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.
3
What does full coverage car insurance consist of in Ohio?
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.
Is PIP required in Ohio?
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
R.E. Fulton
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.
Lina Zhang
Licensed Insurance Agent
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.
Josh Damico
Head Of Insurance Operations
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.
Learn more
about our editorial standards, and our expert review board *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.