Cheapest Car Insurance in Ohio

Written by R.E. Fulton and 2 others
Dec 18, 2024
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Cheapest Car Insurance in Ohio

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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
Has Full Coverage
Progressive $325 Jeremiah, 35, North Royalton, OH Acura Tl State Minimum Yes
National General $197 Estelle, 28, Barberton, OH Chevrolet Cruze Lt State Minimum Yes
National General $32 Seth, 66, Grove City, OH Hyundai Elantra Limited State Minimum No
Commonwealth Insurance $38 Adam, 39, Warren, OH Chevrolet Malibu Lt State Minimum No
Commonwealth Insurance $35 Jackson, 30, Sidney, OH Ford Fiesta Se State Minimum No
Last Updated Dec 17, 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.

CustomerDriving ScoreInsurance SavingsHas ViolationsInsurance Coverage
William, 25
Albany, OH
8931%No-50/100
-Comp/Collision
Tyler, 349534%No-50/100
-Comp/Collision
Nath, 44
Columbus, OH
9235%No-100/300
-Comp/Collision
Alana, 54
Waverly, OH
8026%No-50/100
-Comp/Collision
David, 64
Toledo, OH
8731%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:
AllstateOctober 25, 20244“So far Allstate has been great. They offer great discounts, update me frequently, and make it all a little easier by …(read more)
-Daniel
State FarmOctober 23, 20245“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)
-Dean
Assurance AmericaOctober 22, 20244“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
Bristol WestOctober 12, 20245“Was very good for me an my husband. Price wasn’t bad for our record an we both had to have a SR22. Would use them aga…(read more)
-Eleanor
AAAOctober 11, 20243“Just obtained home insurance from AAA via Jerry app w/o problems. We will see how good they are when I have a future…(read more)
-Cynthia

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.

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.

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 Coverage
Has Full Coverage
Insurance Company
Premium (monthly)
Customer
Car
State Minimum Yes Progressive $325 Jeremiah, 35, North Royalton, OH Acura Tl
State Minimum Yes National General $197 Estelle, 28, Barberton, OH Chevrolet Cruze Lt
State Minimum Yes National General $111 Henry, 54, Canton, OH Cadillac Escalade Esv Premium
State Minimum Yes Progressive $95 Blanche, 37, Cincinnati, OH Chevrolet Traverse Lt
State Minimum Yes Progressive $135 Maggie, 28, Westerville, OH Honda Element Lx
Last Updated Dec 17, 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 $126 per month or $1,513 per year. The average cost for full coverage insurance in Ohio is $152 per month or $1,828 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:

  • Personal injury protection (PIP)
  • Medical payments (MedPay)
  • Uninsured motorist / underinsured motorist
  • Towing and labor coverage
  • Rental reimbursement coverage

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.

Learn more: Types of insurance

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 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
Car
Insurance Coverage
Has Full Coverage
Speeding Violation-Major Progressive $135 Maggie, 28, Westerville, OH Honda Element Lx State Minimum Yes
Speeding Violation-Major Commonwealth Insurance $487 Glenn, 44, Canton, OH Volkswagen Passat Se 50/100 Yes
Speeding Violation-Major Progressive $517 Elmer, 26, Beckett Ridge, OH Dodge Challenger Sxt State Minimum Yes
Speeding Violation-Minor Progressive $162 Billy, 34, Chillicothe, OH Nissan Kicks S State Minimum Yes
Speeding Violation-Major Commonwealth Insurance $86 Marguerite, 22, Springfield, OH Honda Pilot Exl State Minimum No
Last Updated Dec 17, 2024

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.

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 Type
Insurance Company
Premium (monthly)
Customer
Car
Insurance Coverage
Has Full Coverage
At Fault With No Injury Progressive $325 Jeremiah, 35, North Royalton, OH Acura Tl State Minimum Yes
At Fault With No Injury National General $197 Estelle, 28, Barberton, OH Chevrolet Cruze Lt State Minimum Yes
Not At Fault Commonwealth Insurance $38 Adam, 39, Warren, OH Chevrolet Malibu Lt State Minimum No
Not At Fault Progressive $95 Blanche, 37, Cincinnati, OH Chevrolet Traverse Lt State Minimum Yes
At Fault With No Injury Progressive $135 Maggie, 28, Westerville, OH Honda Element Lx State Minimum Yes
Last Updated Dec 17, 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.

Speeding Type
Insurance Company
Premium (monthly)
Customer
Car
Insurance Coverage
Has Full Coverage
Suspension Progressive $325 Jeremiah, 35, North Royalton, OH Acura Tl State Minimum Yes
Driving on Sus. License National General $197 Estelle, 28, Barberton, OH Chevrolet Cruze Lt State Minimum Yes
Following too Closely Bristol West $409 Mike, 25, Columbus, OH Kia Sportage Lx State Minimum Yes
Illegal Turn Progressive $120 Hunter, 73, Defiance, OH Toyota Rav4 State Minimum Yes
DUI The General $77 Seth, 24, Orwell, OH Chevrolet Colorado Lt State Minimum No
Last Updated Dec 17, 2024

FAQ

  • Is Ohio an at-fault state?

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.

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
Has Full Coverage
750+ Progressive $325 Jeremiah, 35, North Royalton, OH Acura Tl State Minimum Yes
550-659 National General $197 Estelle, 28, Barberton, OH Chevrolet Cruze Lt State Minimum Yes
750+ National General $32 Seth, 66, Grove City, OH Hyundai Elantra Limited State Minimum No
550-659 Commonwealth Insurance $35 Jackson, 30, Sidney, OH Ford Fiesta Se State Minimum No
660-750 Trexis $58 Rhoda, 18, Celina, OH Chrysler Sebring Lxi State Minimum No
Last Updated Dec 17, 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.

Learn more: The best cheap car insurance for teens

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.

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:

  • Ford F-150
  • Chevrolet Equinox
  • Chevrolet Silverado 1500
  • Ram 1500
  • Ford Escape
Popular Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Ford Escape Xls Trexis $121 Claudia, 33, Lima, OH State Minimum No
Chevrolet Silverado K1500 Progressive $73 Lawrence, 34, Toledo, OH State Minimum No
Chevrolet Equinox Lt Commonwealth Insurance $93 Clayton, 25, Columbus, OH State Minimum No
Ford Escape Se Progressive $383 Chase, 29, Columbus, OH State Minimum Yes
Chevrolet Equinox Lt Trexis $280 Roxie, 57, Columbus, OH State Minimum Yes
Last Updated Dec 17, 2024

Learn more: How to get car insurance before buying a car

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 $1,395 per year in Ohio. The average cost for insuring a car less than 4 years old goes up to $2,073 a year.

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
Has Full Coverage
North Royalton Jeremiah Progressive $325 Acura Tl State Minimum Yes
Barberton Estelle National General $197 Chevrolet Cruze Lt State Minimum Yes
Grove City Seth National General $32 Hyundai Elantra Limited State Minimum No
Warren Adam Commonwealth Insurance $38 Chevrolet Malibu Lt State Minimum No
Sidney Jackson Commonwealth Insurance $35 Ford Fiesta Se State Minimum No
Last Updated Dec 17, 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

FAQ

  • How much is car insurance in Ohio?
  • Do you need car insurance in Ohio?
  • When did car insurance become mandatory in Ohio?
  • Can you get insurance without a license in Ohio?
  • Is car insurance cheaper in Ohio?
  • How much does car insurance cost per month in Ohio?
  • What is Ohio’s minimum level of auto insurance coverage?
  • What company charges the least for car insurance in Ohio?
  • Do you need insurance to register a car in Ohio?
  • Does insurance follow the car or the driver in Ohio?
  • What does full coverage car insurance consist of in Ohio?
  • Is PIP required in Ohio?
MEET OUR EXPERTS
meet-experts-thumbnail
R.E. Fulton
  • Licensed Insurance Agent

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.

meet-experts-thumbnail
Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

meet-experts-thumbnail
Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

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.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.