Low-cost car insurance in Ohio

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Drivers in Ohio can find the cheapest average premium with Grange Insurance, at $1,314 per year. By comparison, the statewide average monthly cost is $145. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Ohio requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Ohio, depending on your situation.

Key Takeaways

Grange Insurance has the cheapest average premium in Ohio, coming in at $1,314 per year – about $425 compared to the state average.
For drivers with an at-fault accident on their record, Erie Insurance offers the lowest rates, with annual costs averaging $1,898.
The 44212 ZIP code is the least expensive area in Ohio for car insurance, with an average yearly premium 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

Drivers in the 44212 ZIP code pay the lowest average annual premium in Ohio, at $1,425. See which other areas of the state offer more affordable rates below.

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

Just one speeding ticket in Ohio can raise your rates by 49% – $855 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

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 refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Ohio, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

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 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.