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Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 09, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
As insurance agents with more than 47 years of combined industry experience, Bankrate's insurance editorial team knows that price likely isn't your only consideration when shopping for the best insurance company. Aside from affordable premiums, you may want to consider coverage offerings, customer satisfaction, discount opportunities and more. To help narrow your search, we conducted an in-depth analysis of the largest companies by market share, and based on our findings, USAA, State Farm and Geico could provide the best car insurance in Ohio. Key takeaways At $1,200 per year, the average premium in Ohio for a full coverage policy is 48 percent lower than the national average of $1,771. Cleveland is one of the most expensive cities for full coverage car insurance in Ohio with an annual average rate of $1,512. According to Bankrate's extensive study, you may find the best car insurance in Ohio by shopping with USAA, State Farm and Geico. Compare rates and save on auto insurance today! Get quotes Close X How Bankrate chose the best car insurance companies in Ohio
To find the in Ohio, we reviewed various metrics to help us rank each company. First, we used proprietary rate data provided by Quadrant Information Services to find the providers that offer the lowest average rates. We understand that the company that provides the cheapest rates may not be the best company for all drivers, so we then reviewed other factors such as third-party scores, coverage offerings, mobile accessibility, financial strength and discount opportunities. Using this information, we could paint a complete picture of dozens of Ohio auto insurance companies, issuing each a Bankrate Score ranging from 0.0 to 5.0, with 5.0 being the best Score possible. Our goal is to give drivers an in-house scoring model that they may use to feel empowered during their shopping journey.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best car insurance companies in Ohio
Based on 2022 rate data sourced from Quadrant Information Services, the average full coverage car insurance premium in Ohio is $1,200 per year. The average annual cost for a minimum coverage policy in Ohio is $336. These rates are much lower than the national , which is $1,771 for full coverage and $545 for minimum coverage. Using this information and other third-party scores, such as the , Bankrate found that USAA, State Farm and Geico are among the best car insurance companies in Ohio. Insurance company J.D. Power score (North Central) Average annual full coverage premium Average annual minimum coverage premium Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (North Central) 891 /1,000 Average annual full coverage premium $846 Average annual minimum coverage premium $235 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (North Central) 848 /1,000 Average annual full coverage premium $848 Average annual minimum coverage premium $237 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (North Central) 847 /1,000 Average annual full coverage premium $671 Average annual minimum coverage premium $238 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (North Central) Not rated Average annual full coverage premium $659 Average annual minimum coverage premium $258 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (North Central) 806 /1,000 Average annual full coverage premium $1,015 Average annual minimum coverage premium $366 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. *Not officially ranked by J.D. Power due to eligibility restrictions Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Although it is not eligible for official ranking with J.D. Power due to its membership requirements, USAA consistently receives high scores for customer satisfaction and claims service. The provider only sells insurance to current military members, veterans and their immediate family members, so it could be a good option to consider if you qualify. USAA is known to offer lower-than-average premiums and a host of discounts to help you save even more, including potential savings for loyalty and deployment. However, the provider may not be the best choice for Ohio drivers seeking robust policies, as the only optional coverages available are roadside assistance and rental reimbursement. Read full Pros and cons CheckmarkPros Unique coverage offerings for military members and their families High customer satisfaction ratings per J.D. Power Close XCons Strict eligibility requirements Fewer endorsements than most Compare rates by city Ohio city USAA average full coverage premium USAA average minimum coverage premium Akron $913 $264 Cincinnati $881 $261 Cleveland $930 $271 Columbus $872 $252 Toledo $934 $268 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview State Farm is a household name, which is not surprising since it is the largest personal auto insurance company in the country, with just over 16 percent of the market share. It also has throughout the state of Ohio, which may make it an excellent choice for drivers who prefer to do business in person. State Farm offers two safe-driving programs: for teens and for adult drivers. Both programs could help you save on your insurance while helping you or your teen driver learn safer driving habits. However, it may be worth noting that State Farm has a with the National Association of Insurance Commissioners (NAIC). If customer service is your priority, you may find it helpful to read policyholder reviews before making the switch. Read full Pros and cons CheckmarkPros State farm agencies located in almost 300 cities across Ohio Earned second place in the J.D. Power 2022 Insurance Digital Experience Study for overall customer satisfaction Close XCons Accident forgiveness is not available for purchase Higher-than-baseline complaints with the NAIC Compare rates by city Ohio city State Farm average full coverage premium State Farm average minimum coverage premium Akron $883 $268 Cincinnati $921 $278 Cleveland $970 $275 Columbus $949 $281 Toledo $1,016 $310 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Geico may be a good choice for you if budget is your primary concern and you do not qualify for USAA. Geico is a trusted, household name and is known for offering low average auto insurance premiums. Additionally, Geico offers discounts for qualifying government employees, members of affiliated professional groups, good students and more. Although Geico fell below the segment average in the in the service category, both Apple and Android users give high ratings to the company's mobile app. When it comes to coverage, however, Geico provides the basics, with only a few options to personalize your policy. You may want to look elsewhere if you are looking for robust coverage add-ons. Read full Pros and cons CheckmarkPros Offers a long list of discounts that could save you money Highly rated mobile app and full-service online customer portal Close XCons Gap insurance is not available Few local offices Compare rates by city Ohio city Geico average full coverage premium Geico average minimum coverage premium Akron $677 $254 Cincinnati $740 $268 Cleveland $761 $258 Columbus $771 $277 Toledo $779 $268 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Although Hastings Mutual is only available in six states, it offers some of the for full coverage Ohio auto insurance. Hastings Mutual also offers , such as travel interruption, key replacement and child restraint system coverage. The company also offers pet injury and accidental death coverage. The regional insurer is not included in the J.D. Power study in the North Central region, likely due to its small size, but it does have a favorable Bankrate Score and an financial strength rating from AM Best. Pros and cons CheckmarkPros Unique coverage options Strong financial rating by AM Best Close XCons Not rated by J.D. Power Quotes not available online Compare rates by city Ohio city Hastings Mutual average full coverage premium Hastings Mutual average minimum coverage premium Akron $688 $292 Cincinnati $628 $252 Cleveland $1,201 $459 Columbus $735 $295 Toledo $748 $313 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Nationwide stands out from other companies that offer Ohio car insurance for its car insurance option, . Designed for policyholders who drive less than average, SmartMiles offers a flexible rate based on the number of miles you drive per month. Nationwide also offers SmartRide, a that could provide savings for those who practice safe driving habits. However, you may want to know that Nationwide scored towards the bottom of the list in the J.D. Power 2022 U.S. Insurance Digital Experience Study in both the service and shopping categories, so tech-savvy shoppers may not find this company the best fit. Additionally, it scored far below the segment average in the J.D. Power 2022 U.S. Auto Insurance Study. Read full Pros and cons CheckmarkPros Offers pay-per-mile insurance through the SmartMiles program Policyholders can earn an automatic discount through SmartRide, with additional future savings possible through safe driving habits Close XCons Low J.D. Power rating for digital experience Low J.D. Power rating for overall customer satisfaction Compare rates by city Ohio city Nationwide average full coverage premium Nationwide average minimum coverage premium Akron $1,110 $438 Cincinnati $1,085 $404 Cleveland $1,227 $434 Columbus $1,098 $421 Toledo $1,172 $487 Answer a few questions to see personalized rates from top carriers. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
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Compare rates & save Compare rates & save ADVERTISEMENT Get my free quote Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Average car insurance cost in Ohio
In the Buckeye State, Bankrate found that drivers pay an average annual cost of $336 for minimum coverage and $1,200 for full coverage car insurance, based on 2022 quoted premiums from Quadrant Information Services. Ohio's average rates are significantly less than the average cost of car insurance in the U.S., which is $545 per year for minimum coverage and $1,771 per year for full coverage. The may be cheaper than for several reasons. Auto insurance rates are calculated based on various factors, including the incidence and average cost of accidents in a given area. Because much of Ohio is rural or suburban, roads may not be as busy, leading to fewer accidents than in metropolitan areas, which tend to have higher premiums. However, each driver's premiums are unique and may also factor in details specific to them such as their vehicle type, vehicle age and annual mileage. Carriers typically consider whether drivers have clean driving records, have been involved in at-fault accidents or have received moving violation convictions when determining rates. Average annual premium for minimum coverage in Ohio Average annual premium for full coverage in Ohio $336 $1,200
Ohio city Average annual premium for full coverage Average annual premium for minimum coverage Akron $1,262 $377 $1,266 $376 $1,512 $416 $1,331 $392 Dayton $1,205 $338 Lima $1,076 $300 $1,358 $402 How to find the best car insurance in Ohio
When choosing car insurance, Ohio drivers may consider a variety of factors to determine which provider offers them the most fitting coverage for their situation. Factors may include anything from location to individual driving records, but taking steps to consider the following points may help narrow down your options. Consider minimum insurance requirements in Ohio
Like most states, specific limits that each driver must carry as a minimum requirement to drive legally. Because Ohio is an at-fault state, minimum coverage requirements include bodily injury liability and property damage liability, with exact amounts noted on the state's . Although there are other ways to satisfy Ohio's financial responsibility law, like posting a bond or qualifying as a self-insurer, most insurance professionals recommend purchasing enough coverage to avoid financial devastation in cases of an accident. Although buying minimum coverage might mean you pay a lower premium, the limits may not be enough to protect your finances if you cause an accident. If the injuries and damages that you cause exceed your insurance limits, you will have to pay extra costs out of pocket. Consider lender requirements
In the U.S., are financed. Because a financial institution has a stake in the vehicle, drivers are typically required to purchase insurance in these situations. As minimum coverage limits do not provide any physical damage coverage for your vehicle, collision and comprehensive coverage come in handy when facing repair or replacement costs. Drivers of newer model cars in Ohio may also want to consider purchasing , which helps pay the difference between your insurance claim check and outstanding loan amount should your vehicle be totaled or stolen and unrecoverable. Drivers usually have additional insurance requirements regarding . In most cases, leasing companies require you to carry at least $100,000 per person and $300,000 per accident in bodily injury, and $50,000 per accident in property damage coverage. You may see this denoted as 100/300/50 on your policy documentation. Consider your individual needs
Many personal factors, like driver risk, may influence the cost of insurance. Insurance companies typically use driving records to gauge how likely a policyholder is to file future claims, so they often charge higher rates for drivers with prior traffic violations. Having a speeding ticket on your motor vehicle record, for example, could demonstrate , potentially increasing average annual premiums by hundreds of dollars. In Ohio, the average annual full coverage increase for a single is 17 percent. Although this rate increase is lower than the national average after a speeding ticket (which currently sits at 21 percent), your driving record could still be an important consideration when shopping for auto insurance in Ohio. Car insurance discounts in Ohio
Rates for car insurance in Ohio are, on average, already more affordable than many other areas of the country, but most insurance providers offer additional ways to . For example, some car insurance companies reward drivers with a lower premium if they pay their policy in full, have certain safety features installed in their vehicle and maintain a clean driving record. These are some of the most common auto insurance discounts you may see in Ohio: Young drivers: If you have a , you will likely find at least a couple of discounts offered to help mitigate the added cost. For example, full-time students who maintain a B or better average are usually eligible for good student discounts. If you insure a college student who attends school away from home without a car, you may also qualify for a discount. Safe drivers: Drivers who haven't been involved in an at-fault accident or convicted of a moving violation for several years could qualify for a discount on their car insurance premium. The timespan varies by company but is usually three to five years. However, even drivers without spotless driving records may qualify for safe driver discounts through options like , which track safe driving behaviors like soft braking and award discounts depending on how safe you drive. Other discounts: Discounts may fall into a variety of categories, including loyalty and policy management style. For instance, most insurers offer discounts for bundling multiple policies with them, like . Other discounts may be offered for setting up automatic electronic payments, paying your premium in full or opting for a paperless experience. Some companies even offer discounts for alumni or employee organizations, business groups or specific occupations. Insurance companies may all offer a different set of discounts. If you are unsure what discounts you qualify for, you may be able to view a list of savings opportunities on a company's website or you can talk to a customer service representative. Frequently asked questions
The likely depends on your personal needs, but our research found that USAA, Erie and State Farm offer some of the cheapest average rates in the state. When looking for the cheapest car insurance options, it may help to consider your personal factors, like whether you have a teen driver to add to your policy, have at-fault accidents on your driving record or a sports car that needs specialized coverage. To find the cheapest policy to meet your unique needs, it may be helpful to get quotes from several companies and compare the options.
Generally speaking, the answer is yes. If you own a car in Ohio, you must satisfy the state's financial responsibility law. For most drivers, this means having at least the minimum coverage car insurance required by the state. However, you may in some cases also have the option to post a bond or qualify as a self-insurer to meet the requirements of the law. No matter what, though, as a driver in Ohio, you will have to provide proof of your financial responsibility in one of these ways. is a serious offense and could lead to fines and license suspensions.
The first step when getting car insurance in Ohio is collecting all of the information you will need in order to get quotes or a policy. You'll likely need to provide at least your full name, date of birth and driver's license numbers, as well as the full name, birthday and driver's license information for all drivers that will be included on the policy. You may also need to provide information about your vehicle, such as the make, model and vehicle identification number (VIN) if you have it. If you're getting a , you can typically also select your car insurance coverage and limits during this process. However, if you're not sure how much coverage you should have, working with a licensed insurance agent may help you create a policy that's tailored to your needs, lifestyle and budget.
There are multiple resources available to compare car insurance companies to find the best option available. Outside of getting multiple quotes, it may also help to consider how quickly an insurer responds to claims and how accessible its agents or customer service representatives are. For example, some insurers have phone lines that operate 24 hours a day while others may only be available during certain hours. You could also use the National Association of Insurance Commissioners' (NAIC) to see how frequently a company receives customer complaints compared to the industry average.
Car insurance companies review driving records when quoting premiums, paying close attention to speeding tickets and accidents, as well as major events like . For most drivers with only a few minor incidents on their driving record, car insurance companies will usually add an additional surcharge to the policy for a set number of years. Although higher rates for driving incidents will typically apply with any car insurance company, you may find that another insurance company offers a more affordable rate. Car insurance for high-risk drivers can be more difficult to obtain, but you should be able to find some options either through traditional insurance companies or those that specialize in high-risk coverage. Written by Carol Pope Insurance Writer Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.