Low-cost car insurance in Ohio

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In Ohio, Grange Insurance offers the cheapest average premium at $1,314 per year. For comparison, the statewide average monthly cost is $145, 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 $1,314 per year. That’s $425 the state average.
For drivers with an at-fault accident on record, Erie Insurance offers the most affordable coverage at around $1,898 annually.
The 44212 ZIP code stands out as the cheapest area for auto insurance in Ohio, with an average yearly cost of $1,425.

Low-cost car insurance companies in Ohio

Grange Insurance offers the lowest car insurance rates in Ohio, with an average annual premium of $1,314 per year. It’s $425 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	$1,314
GEICO	$1,522
Erie Insurance	$1,541
Auto-Owners	$1,694
Progressive	$1,756
Westfield Insurance	$1,860
Allstate	$1,922
Cincinnati Insurance	$2,086
Farmers	$2,103
Travelers	$2,353
USAA*	$1,062

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

How we choose low-cost car insurance companies in Ohio

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Ohio

In Ohio, drivers living in the 44212 ZIP code enjoy the lowest average annual premium at $1,425. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
44212	Brunswick	$1,425
43420	Fremont	$1,467
45884	St. Johns	$1,469
45891	Van Wert	$1,473
45840	Findlay	$1,473
45885	St. Marys	$1,478
45826	Chickasaw	$1,478
45875	Ottawa	$1,481
44274	Sharon Center	$1,482
43414	Dunbridge	$1,484

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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

Teen drivers in Ohio pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $4,686 more than a 40-year-old driver in Ohio.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$4,994
Young Adults (20-24)	$2,770
Adults (25-60)	$1,737
Seniors (65-75)	$1,696

Low-cost car insurance in Ohio by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Ohio

A single speeding ticket in Ohio can push your rates up by 49%, or about $855. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Erie Insurance	$1,541	$1,676	9%	$134
Auto-Owners	$1,694	$2,237	32%	$544
Allstate	$1,922	$2,382	24%	$460
Progressive	$1,756	$2,583	47%	$827
GEICO	$1,522	$3,123	105%	$1,601
Farmers	$2,103	$3,411	62%	$1,308
Travelers	$2,353	$3,587	52%	$1,234
USAA*	$1,062	$1,340	26%	$278

*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 $1,898.

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	$1,541	$1,898	23%	$357
Auto-Owners	$1,694	$2,455	45%	$761
Allstate	$1,922	$3,043	58%	$1,121
Progressive	$1,756	$3,070	75%	$1,314
GEICO	$1,522	$3,100	104%	$1,578
Travelers	$2,353	$3,502	49%	$1,149
Farmers	$2,103	$3,999	90%	$1,895
USAA*	$1,062	$1,624	53%	$562

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

Low-cost car insurance after a DUI in Ohio

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Ohio keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$1,756	$2,194	$438	25%
Erie Insurance	$1,541	$2,469	$928	60%
Allstate	$1,922	$2,633	$711	37%
Auto-Owners	$1,694	$3,393	$1,699	100%
GEICO	$1,522	$3,687	$2,165	142%
Travelers	$2,353	$3,747	$1,394	59%
Farmers	$2,103	$4,271	$2,168	103%
USAA*	$1,062	$1,601	$539	51%

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

Average cost of car insurance Ohio

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Ohio, the average cost of full coverage is $774 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

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

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost 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 violations 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.