Key Takeaways
- National General, Commonwealth and Progressive are some of the cheapest car insurance companies in Ohio according to Jerry’s data.
- The average cost of car insurance in Ohio is around $170.
- Compare quotes from multiple insurers to find cheap car insurance in Ohio.
If you need cheap car insurance in Ohio, consider a policy from National General, Commonwealth or Progressive. These insurers are some of the most affordable in the state according to real auto insurance quotes for Jerry customers.
Jerry analyzed car insurance quotes in Ohio to highlight the cheapest auto insurers for minimum and full coverage. See Ohio car insurance rates by age, driving history and low credit.
Cheap liability car insurance in Ohio
Liability-only car insurance, also called “minimum coverage,” is the cheapest car insurance you can get in Ohio. This type of coverage is all you need to drive legally in the state, but it pays only for others’ injuries and property damage if you cause a wreck. It won’t cover damage to your own car.
Here are the cheapest car insurance companies in Ohio for liability car insurance, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $52 | $626 |
| Bluefire | $71 | $848 |
| Commonwealth Insurance | $83 | $993 |
| Trexis | $100 | $1,205 |
| Progressive | $121 | $1,452 |
| National General | $131 | $1,566 |
| Dairyland | $135 | $1,621 |
| Embark General | $136 | $1,628 |
| The General | $141 | $1,696 |
| Gainsco | $160 | $1,926 |
Minimum liability car insurance requirements in Ohio
Ohio requires all drivers to have a minimum amount of liability insurance. These requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 for property damage liability.
Cheap full coverage car insurance in Ohio
Full coverage in Ohio typically costs more than minimum coverage, but that’s because it pays for damage to your car. Below are the five cheapest auto insurers in Ohio for full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $152 | $1,827 |
| Progressive | $181 | $2,173 |
| Commonwealth Insurance | $205 | $2,462 |
| National General | $230 | $2,756 |
| Assurance America | $256 | $3,069 |
| Trexis | $278 | $3,336 |
| The General | $283 | $3,401 |
| Bluefire | $289 | $3,473 |
| Dairyland | $299 | $3,585 |
| Root | $302 | $3,625 |
Minimum liability vs. full coverage in Ohio
Minimum liability coverage in Ohio covers only others’ injuries or property damage if you cause an accident.
Full coverage has the same coverage, but also includes collision and comprehensive insurance. Here’s a breakdown of what a typical full coverage policy includes and pays for:
- Liability insurance: Covers injuries or property damage you cause to someone else in an accident.
- Collision coverage: Pays for repairs to your vehicle after an accident, regardless of who is responsible. This coverage type typically has a deductible.
- Comprehensive coverage: Pays for vehicle damage caused by a non-collision event like weather-related incidents and theft. This coverage type typically has a deductible.
If you have a loan or lease on your vehicle, the lender will require
Research the differences between liability and full coverage to be sure you’re getting the proper amount of financial protection for your situation.
Average car insurance costs for young drivers in Ohio
Young drivers in Ohio typically pay more for auto insurance than drivers with more experience on the road. Below are average car insurance costs in Ohio for young drivers between 18 to 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $253 | $3,037 |
| 21-24 | $231 | $2,773 |
Cheap liability car insurance in Ohio for a 20-year-old
A liability-only car insurance policy is the cheapest option for a 20-year-old. Below are the five cheapest companies for 20-year-olds with minimum coverage, based on real auto insurance quotes in Ohio for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $146 | $1,754 |
| Commonwealth Insurance | $170 | $2,034 |
| Dairyland | $180 | $2,160 |
| Progressive | $197 | $2,370 |
| The General | $227 | $2,726 |
Cheap full coverage in Ohio for a 20-year-old
Full coverage is more expensive for younger drivers. Below are the five cheapest insurers in Ohio for 20-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $230 | $2,754 |
| Progressive | $312 | $3,740 |
| Commonwealth Insurance | $330 | $3,958 |
| Trexis | $344 | $4,129 |
| Root | $358 | $4,294 |
Average auto insurance costs for mature drivers in Ohio (25-54)
Once a driver reaches age 25, the cost of car insurance typically starts to decrease. That’s because more experienced drivers tend to pay less, as auto insurance providers see them as less risky to insure.
These are the average costs of car insurance in Ohio for drivers between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $190 | $2,274 |
| 35-44 | $175 | $2,095 |
| 45-54 | $152 | $1,823 |
Cheapest liability car insurance in Ohio for a 35-year-old
These are the five cheapest companies in Ohio for a 35-year-old driver with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $89 | $1,065 |
| Trexis | $92 | $1,098 |
| Clearcover | $119 | $1,433 |
| National General | $128 | $1,535 |
| Progressive | $129 | $1,548 |
Cheapest full coverage in Ohio for a 35-year-old
Here are the five cheapest auto insurers in Ohio for a 35-year-old driver with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $141 | $1,694 |
| Progressive | $180 | $2,163 |
| National General | $210 | $2,524 |
| Commonwealth Insurance | $211 | $2,527 |
| Dairyland | $238 | $2,853 |
Average car insurance costs for older drivers in Ohio (55+)
Car insurance quotes in Ohio typically reach their most affordable once a driver hits age 55. But rates start to creep back up for drivers once they reach their 60s.
Below are average auto insurance rates in Ohio for drivers 55 and up.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $135 | $1,626 |
| 65+ | $171 | $2,053 |
Cheapest liability car insurance in Ohio for a 65-year-old
These are the five cheapest auto insurance companies in Ohio for a 65-year-old driver with a liability-only policy.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $94 | $1,129 |
| Commonwealth Insurance | $99 | $1,188 |
| Progressive | $101 | $1,207 |
| Clearcover | $101 | $1,211 |
| The General | $103 | $1,241 |
Cheapest full coverage in Ohio for a 65-year-old
Below are the most affordable full coverage options or a 65-year-old driver, based on real auto insurance quotes in Ohio for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $72 | $859 |
| Progressive | $107 | $1,286 |
| National General | $159 | $1,911 |
| Dairyland | $192 | $2,305 |
| Commonwealth Insurance | $198 | $2,371 |
Cheapest car insurance in Ohio by driving history
Your driving record is a big factor in determining how much you’ll pay for car insurance in Ohio. Drivers with clean records typically pay less than those with violations like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Ohio
Here are the five cheapest car insurance companies in Ohio for drivers with a clean record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| First Acceptance | $53 | $641 |
| Electric | $80 | $964 |
| Aspire Advantage | $85 | $1,016 |
| Embark General | $92 | $1,102 |
| Safeco | $107 | $1,287 |
Cheapest car insurance with a speeding ticket in Ohio
These are the five cheapest auto insurers in Ohio for drivers with a speeding ticket, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $72 | $861 |
| Aspen | $95 | $1,135 |
| Assurance America | $98 | $1,180 |
| Commonwealth Insurance | $145 | $1,737 |
| Progressive | $185 | $2,223 |
Cheapest car insurance after an at-fault accident with no injury in Ohio
Here are the five cheapest companies in Ohio for drivers with an at-fault accident with no injuries on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $78 | $934 |
| Bluefire | $88 | $1,061 |
| Commonwealth Insurance | $145 | $1,743 |
| Safeco | $148 | $1,777 |
| Progressive | $185 | $2,216 |
Cheapest auto insurance after an at-fault accident with injury in Ohio
Below are the five cheapest insurers in Ohio for drivers with an at-fault accident with injury.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $113 | $1,356 |
| Commonwealth Insurance | $132 | $1,581 |
| Progressive | $167 | $2,002 |
| Trexis | $193 | $2,320 |
| Dairyland | $196 | $2,349 |
Cheapest car insurance with a DUI in Ohio
These are the cheapest auto insurers for drivers with a DUI in Ohio.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $146 | $1,758 |
| Dairyland | $202 | $2,422 |
| Progressive | $204 | $2,454 |
| Trexis | $205 | $2,457 |
| National General | $219 | $2,622 |
Average auto insurance costs for Ohio drivers with other violations
Here are average car insurance quotes in Ohio for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $254 | $3,047 |
| Cell Phone | $231 | $2,772 |
| Defective Equipment | $270 | $3,244 |
| Driving on Sus. License | $230 | $2,760 |
| Eluding Police | $200 | $2,405 |
Cheapest auto insurance for low credit scores in Ohio
Your credit score is a factor in determining how much you pay for car insurance in Ohio. Drivers with lower credit scores often pay more than those with higher scores.
Below are the five cheapest car insurance companies in Ohio for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $129 | $1,543 |
| Commonwealth Insurance | $139 | $1,668 |
| Progressive | $166 | $1,996 |
| Trexis | $172 | $2,059 |
| First Acceptance | $194 | $2,323 |
How to find cheap car insurance in Ohio
The best way to get cheap car insurance quotes in Ohio is to compare rates from multiple insurers. It’s possible that your current insurer is no longer the cheapest, so comparing rates can help you find the most affordable policy.
Also, be sure to ask your insurer or agent about discounts you qualify for.
You can raise your deductible if you have full coverage, which is a guaranteed way to make your policy more affordable. Just be prepared to pay more out of pocket if you ever need to file a claim.
Factors that affect car insurance costs in Ohio
Insurers can use a variety of factors to determine how much you’ll pay for car insurance. One big factor is your location within the state. Car insurance costs differ for various Ohio cities and ZIP codes.
Other factors that insurers use to calculate your car insurance premium include your:
- Age.
- Driving record.
- Credit score.
- Vehicle type.
- Claims history.
- Coverage limits.
- Deductible amount, if you have one.
FAQS
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Is PIP required in Ohio?
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Do I need uninsured/underinsured motorist coverage?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
