Low-cost car insurance in Ohio

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In Ohio, Grange Insurance offers the cheapest average premium at $986 per year. For comparison, the statewide average monthly cost is $118, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Ohio, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Grange Insurance has the lowest average car insurance premium in Ohio, costing $986 per year. That’s 30% the state average.
For drivers with an at-fault accident on record, Erie Insurance offers the most affordable coverage at around $1,395 annually.
The 43420 ZIP code stands out as the cheapest area for auto insurance in Ohio, with an average yearly cost of $1,183.

Low-cost car insurance companies in Ohio

Grange Insurance offers the lowest car insurance rates in Ohio, with an average annual premium of $986 per year. It’s 30% less expensive than the average car insurance cost in Ohio. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
Grange Insurance	$986
Auto-Owners	$1,109
Erie Insurance	$1,132
Travelers	$1,336
GEICO	$1,373
Cincinnati Insurance	$1,624
Progressive	$1,626
Westfield Insurance	$1,673
Farmers	$1,794
Allstate	$1,942
USAA*	$994

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Ohio

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Ohio

Drivers in the 43420 ZIP code pay the lowest average annual premium in Ohio, at $1,183. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
43420	Fremont	$1,183
45891	Van Wert	$1,185
45885	St. Marys	$1,190
43410	Clyde	$1,198
45828	Coldwater	$1,205
45822	Celina	$1,208
45874	Ohio City	$1,208
45863	Middle Point	$1,209
45840	Findlay	$1,214
45832	Convoy	$1,216

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Ohio by city

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Low-cost car insurance in Ohio by age

Young drivers often face the highest premiums. In Ohio, for example, a 16-year-old pays $4,987 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$4,697
Young Adults (20-24)	$2,276
Adults (25-60)	$1,426
Seniors (65-75)	$1,433

Low-cost car insurance in Ohio by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Ohio

One speeding ticket in Ohio can cause your insurance rates to jump by 49%, or roughly $696 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Erie Insurance	$1,132	$1,231	9%	$99
Auto-Owners	$1,109	$1,465	32%	$356
Travelers	$1,336	$2,037	52%	$701
Progressive	$1,626	$2,392	47%	$766
Allstate	$1,942	$2,407	24%	$465
GEICO	$1,373	$2,817	105%	$1,444
Farmers	$1,794	$2,910	62%	$1,116
USAA*	$994	$1,254	26%	$260

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Ohio

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Erie Insurance is the lowest-cost option for these drivers, with an average annual premium of $1,395.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Erie Insurance	$1,132	$1,395	23%	$263
Auto-Owners	$1,109	$1,608	45%	$499
Travelers	$1,336	$1,989	49%	$653
GEICO	$1,373	$2,796	104%	$1,423
Progressive	$1,626	$2,844	75%	$1,218
Allstate	$1,942	$3,074	58%	$1,132
Farmers	$1,794	$3,410	90%	$1,616
USAA*	$994	$1,520	53%	$526

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Ohio

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Ohio are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Erie Insurance	$1,132	$1,814	$682	60%
Progressive	$1,626	$2,032	$406	25%
Travelers	$1,336	$2,128	$792	59%
Auto-Owners	$1,109	$2,222	$1,113	100%
Allstate	$1,942	$2,661	$719	37%
GEICO	$1,373	$3,326	$1,953	142%
Farmers	$1,794	$3,643	$1,849	103%
USAA*	$994	$1,498	$504	51%

*USAA is only available to military community members and their families.

Average cost of car insurance Ohio

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Ohio is $478 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Ohio, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Ohio.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Ohio. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.