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Car Insurance in Ohio

If you looking for cheap car insurance in Ohio, you will face the fact that it is not as easy as it looks like. Prices differ in dependence on one or another company you’ll get coverage from, and personal factors such as credit history, age and driving history. In order to help Ohioan people find the best quote as quickly as it possible, our team researched current rates from the largest state’s insurers.

Best affordable companies

  • American Family
  • American National
  • Auto Owners
  • Cincinnati
  • Grange
  • Hanover
  • AAA
  • Colonial
  • Horace Mann
  • National Wide
  • Progressive
  • Safe Auto

Top rated companies

Rank Auto Insurance Company Average Annual Rate
1 Grange Insurance $726
2 GEICO $733
3 Frankenmuth $784
4 Progressive $805
5 Motorists Mutual $877
6 Erie $892
7 The Cincinnati $903
8 Nationwide $915
9 Westfield $958
10 State Farm $984
11 Farmers $1,010
12 Hastings Mutual $1,027
13 Merchants Insurance Group $1,106
14 Western Reserve $1,121
15 American Family $1,132
16 Ohio Mutual $1,155
17 Central Mutual $1,219
18 Allstate $1,238
19 Auto Owners $1,238
20 State Auto $1,344
21 Encompass $1,348
22 Atlantic States $1,389
23 Celina Insurance $1,683
24 The General $1,746
25 X21st Century $1,791
26 Titan $1,803
27 MetLife $1,902
28 Kemper Specialty $2,552

We found three best companies with affordable options for good, young drivers and drives with a single at-fault crash to help you find the best car insurance quotes Ohio.

  • Grange $560
  • Eire $600
  • State Farm $890

The average cost for these three companies is about $680 a year – it is the lowest prices in comparison with other states for this category of drivers, according to our research. As we can see, Erie and Grange have the cheapest offers with almost equal rates. These companies are able in most of the cities of the state, such as cheap car insurance Columbus Ohio, Cleveland, Akron, Canton, and Dayton.

  • Grange $260
  • Erie $300
  • State Farm $540

Young drivers (18-29 y.o.) are just and basically don’t need such coverage as older drivers with savings to lose after a crash lawsuit or families to protect, if you are asking how much is car insurance in Ohio for young drivers. We checked current rates for young motorists with minimum coverage and we found quite cheap quotes in Ohio. As we can see, Grange proposed the lowest price at $260 per year, followed by State Farm and Erie. All these companies having estimates that are cheaper than the best offers founded by our team for 30 y.o. drivers with full coverage and the brilliant driving history. These options are able for those who are looking for car insurance Toledo Ohio, Cincinnati, Lima, Mansfield and other cities of this state.

  • Erie $780
  • State Farm $1060
  • Grange $1090

If you caused a crash – you’ll face the result in a bigger price after you renew the policy. This is the best time to check the market and see the possibility to find the best quote elsewhere because insurers often showing different quotes and rates for drivers with at-fault crashes on their driving history. As we can see, Erie has the cheapest deal for our group: $780 a year. This price is $225 expensive than the lowest deal we found for the same age motorist without any crash. The following cheapest insurer State Farm offers $1060 a year deal, and that’s $500 higher price that the best deal for drivers with no crash.

Minimal requirements

In accordance to Ohio car insurance laws, policy in Ohio should include liability that should cover injury treatment (if you are responsible for an accident) or third parties property damage. Let’s sort out, how much is Ohio state minimum car insurance liability limits are:

  • $25000 liability (bodily injury) per person
  • $50000 liability (bodily injury) per accident
  • $25000 liability (property damage) per accident

A serious crash may cause the damage that could easily surpass these aforementioned amounts. If you want to avoid enormous accident payments out of your wallet, try to buy a bit more expensive liability than the bare minimum. By the way, you can also choose some optional coverage, like uninsured driver protection, comprehensive and collision protection.

Alternative deals in Ohio

If you don’t see any possible way to get coverage on the voluntary market in Ohio because of a poor credit or spoiled driving record (or other factors), you can find coverage with Ohioan AIP (Auto Insurance Plan).

Car Insurance in Ohio