Cheap Auto Insurance in Ohio for 2025 (Find Savings With These 10 Companies)
If you are looking for cheap auto insurance in Ohio, compare providers like USAA, Geico, and American Family. USAA is best for military focus and offers the lowest rate at $16/month. Geico offers affordable rates for Ohio drivers, and American Family offers strong coverage options that is tailored to your needs.
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Kristen Gryglik
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Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Apr 11, 2025
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2,235 reviewsWhen searching for cheap auto insurance in Ohio, USAA offers rates as low as $16/mo. USAA, Geico, and American Family provide competitive coverage.
These companies consistently rank high in customer satisfaction and provide various policy customization options and discount programs.Our Top 10 Company Picks: Cheap Auto Insurance in Ohio
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $16 | A++ | Military Focus | USAA |
 | #2 | $23 | A++ | Affordable Rates | Geico |
 | #3 | $24 | A | Strong Coverage | American Family |
 | #4 | $25 | A++ | Extensive Options | Travelers |
 | #5 | $27 | A++ | Nationwide Presence | State Farm |
 | #6 | $33 | A+ | Competitive Pricing | Progressive |
 | #7 | $37 | A+ | Customizable Policies | Farmers |
 | #8 | $41 | A | Discounts Available | Liberty Mutual |
 | #9 | $44 | A+ | Reliable Service | Nationwide |
 | #10 | $46 | A+ | Well-Established Brand | Allstate |
Visit our insurance company’s site for more in-depth information, including policy details and a list of different types of auto insurance coverage.
- Cheap auto insurance in Ohio is USAA, Geico, and American Family
- USAA offers an affordable rate at $16/mo
- Compare rates from Geico and American Family
To lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.
#1 – USAA: Top Overall Pick
Pros
- Affordable for Military Families: USAA offers cheap auto insurance in Ohio specifically designed for military members.
- Excellent Customer Satisfaction: It ranks high in customer service, which is great for those wondering how much car insurance costs in Ohio with top-tier companies.
- Wide Range of Coverage Options: Its perfect balance of affordability and value makes it one of the cheapest insurance plans in Ohio for eligible members.
Cons
- Exclusive to Military Members: Not available to the general public seeking low-income car insurance in Ohio, according to our USAA auto insurance review.
- Limited Local Agent Availability: May not suit drivers in cities like Columbus or Toledo, who prefer in-person service.
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#2 – Geico: Best for Affordable Rates
Pros
- Consistently Low Premiums: Among the cheapest car insurance in Ohio, with minimum coverage starting at $23/month.
- Strong Digital Tools: Great for tech-savvy customers looking for cheap car insurance in Columbus, Ohio, or anywhere else in the state, as mentioned in our Geico auto insurance review.
- Plenty of Discounts: Helps decrease Ohio auto insurance rates, especially for students and safe drivers.
Cons
- Customer Service Inefficiency: Can be a drawback for those who are comparing cheap auto insurance in Ohio options because of the different customer feedback.
- Minimal local agent availability: Not suited to drivers in Toledo or rural areas who value local agents.
#3 – American Family: Best for Strong Coverage
Pros
- Flexible Coverage Choices: These are great for customizing policies if you’re shopping for cheap car insurance in Ohio that still protects well.
- Bundling Saves More: One of the best for combining home and auto for cheap insurance in Ohio. Explore further details on our American Family auto insurance review.
- Ideal for Families: Especially for families in Columbus or Toledo looking for affordable car insurance in Ohio.
Cons
- Rates Can Be High for Risky Drivers: Not the best choice if you’re seeking low-income car insurance in Ohio with past violations.
- Availability Varies: May not be the cheapest car insurance in Ohio for every ZIP code.
#4 – Travelers: Best for Extensive Options
Pros
- Many Policy Types: It helps balance value and coverage, which is perfect for drivers looking for cheap car insurance in Ohio with more protection.
- Hybrid/Electric Car Discounts: This is a plus for eco-conscious drivers who are wondering how much car insurance is for new tech vehicles in Ohio.
- Reliable Claims Support: Strong for long-term savings and cheapest auto insurance in Ohio, with good support as per our Travelers auto insurance review.
Cons
- Higher Premiums for Young Drivers: May not offer cheap auto insurance in Ohio for those under 25.
- Slower Claims Process: May not suit drivers needing fast payouts in Columbus or Toledo.
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#5 – State Farm: Best for Nationwide Presence
Pros
- Huge Network of Agents: Great for local service in Columbus, Toledo, or anywhere in Ohio.
- Strong Financials: A trustworthy option when comparing Ohio auto insurance rates, based on our State Farm auto insurance review.
- Good Safe Driver Pricing: Offers competitive rates, perfect for finding cheap car insurance in Ohio if you drive responsibly.
Cons
- Less Discounts: Does not compete with others for cheap car insurance in Toledo, Ohio.
- Big Rate Hikes After Accidents: Can lose its edge as the cheapest insurance in Ohio if you file a claim.
#6 – Progressive: Best for Competitive Pricing
Pros
- Name Your Price Tool: This tool lets you customize a plan to fit average car insurance costs in Ohio or lower.
- Snapshot Program: Earns discounts through safe driving—great for low-income car insurance in Ohio needs.
- Digital Experience: Perfect for online-focused drivers seeking cheap car insurance in Ohio on their own terms.
Cons
- Expensive for Risky Drivers: Not ideal if you seek the cheapest car insurance in Ohio after violations, as previously mentioned in our Progressive auto insurance review.
- Mixed Customer Reviews: Could be a concern for those looking for cheap auto insurance in Ohio with good support.
#7 – Farmers Insurance: Best for Customizable Policies
Pros
- Tailored Coverage: Great for picky drivers needing cheap car insurance in Columbus, Ohio, that fits unique needs.
- Strong Claims Service: Ensures a smooth process, even for those on low-income car insurance in Ohio.
- Rideshare Insurance: Ideal for gig workers in Toledo or other Ohio cities.
Cons
- Higher Premiums: You may not qualify as cheap auto insurance in Ohio without discounts.
- Not Available Everywhere: This can limit options for Ohio’s rural areas seeking cheap car insurance. Read more in our article, “Farmers Insurance Review.”
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#8 – Liberty Mutual: Best for Discounts Available
Pros
- Lots of Discount Options: You can bring down your auto insurance Ohio premium.
- Easy Mobile App: This app helps manage policies affordably and is great for tracking Ohio’s average car insurance cost.
- Unique Coverage Add-Ons: Gives peace of mind while staying within a cheap car insurance budget in Ohio.
Cons
- Above-Average Premiums: Often not the cheapest insurance in Ohio without heavy discounts.
- Inconsistent Service: According to our Liberty Mutual auto insurance review, support quality can affect savings in Toledo, Columbus, or rural Ohio.
#9 – Nationwide: Reliable Service
Pros
- Vanishing Deductible: Helps safe drivers lower auto insurance costs in Ohio over time.
- Excellent Claims Service: Great for those seeking affordable car insurance in Ohio with strong support.
- Gap Coverage Available: Protects drivers financing new vehicles in Columbus or Toledo.
Cons
- Fewer Local Agents: Less help for those needing in-person support in cheap car insurance Columbus Ohio markets.
- Not the Cheapest: You might find cheaper auto insurance in Ohio with Geico or USAA. Read our Nationwide auto insurance review for more details.
#10 – Allstate: Best for Well-Established Brand
Pros
- Local Agent Access: Great for in-person advice when looking for cheap car insurance in Ohio.
- Drivewise Program: Rewards safe habits with discounts—good for low-income car insurance seekers in Ohio.
- Claims Satisfaction Guarantee: This is ideal if you’re worried about the cost of car insurance in Ohio after filing claims.
Cons
- High Basic Rates: Often not the cheapest car insurance in Ohio, especially for minimum coverage.
- Slow Claims Processing: Can be frustrating if you depend on fast help in Columbus or Toledo. Explore further details on our Allstate auto insurance review.
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Ohio Car Insurance Companies and Their Rates
With hundreds of car insurance companies fighting for a chance to ensure you and your vehicle are properly insured, it’s no cakewalk trying to choose just one to trust.
Ohio Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $46 | $120 |
| $24 | $62 |
| $37 | $96 |
| $23 | $59 |
| $41 | $106 |
| $44 | $114 |
| $33 | $85 |
| $27 | $70 |
| $25 | $63 |
| $16 | $41 |
When you’re in the middle of a wreck, it’s important to feel cared about and protected; that is exactly why we gathered a list of Ohio’s best car insurance companies. Let’s dive right into A.M. Best ratings first.
Auto Insurance Discounts From the Top Providers in Ohio
| Insurance Company | Available Discounts |
|---|---|
| Multi-Vehicle, Safe Driver, Good Student, Bundling, Early Signing, Vehicle Safety Features, Defensive Driver |
| Multi-Vehicle, Safe Driver, Good Student, Bundling, Paperless, Early Signing, Loyalty |
| Multi-Vehicle, Safe Driver, Good Student, Bundling, Early Signing, Homeowner, Vehicle Safety Features |
| Multi-Vehicle, Safe Driver, Good Student, Military, Anti-Theft, Defensive Driver, Bundling, Emergency Deployment |
| Multi-Vehicle, Safe Driver, Good Student, Bundling, Early Signing, Vehicle Safety Features, Accident Forgiveness |
| Multi-Vehicle, Safe Driver, Good Student, Bundling, Homeowner, Vehicle Safety Features, Defensive Driver |
| Multi-Vehicle, Safe Driver, Good Student, Bundling, Homeowner, Paperless, Paid-in-Full, Defensive Driver |
| Multi-Vehicle, Safe Driver, Good Student, Bundling, Defensive Driver, Vehicle Safety Features, Driver’s Education |
| Multi-Vehicle, Safe Driver, Homeowner, Bundling, Defensive Driver, Hybrid Vehicle, Early Signing |
| Multi-Vehicle, Defensive Driver, Safe Driver, Military, Vehicle Storage, Good Student |
As the Insurance Information Institute states, auto insurance fraud involves providing false information on an insurance application and making claims for injuries or damage that never happened. Enter your ZIP code to get more information.
We want to start this guide by covering the basics. Understanding the kind of Ohio automobile insurance that is required and the reasons behind it is essential.
Auto Insurance Discounts From Top Ohio Providers
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 25% | 25% | 25% | 20% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
 | 15% | 17% | 25% | 25% | 30% |
| 15% | 13% | 10% | 8% | 30% |
| 15% | 10% | 30% | 10% | 30% |
It’s important to know what your hard-earned money is actually paying for and consider whether you should have more car insurance than required.
Ohio Auto Insurance Premiums Report Card
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risk | B | Ohio experiences a variety of weather conditions, including snow, ice, and rain, which increase the risk of accidents. |
| Traffic Density | B | Ohio's traffic density is moderate, with major cities like Cleveland and Columbus seeing higher accident rates during peak hours. |
| Average Claim Size | C | The average claim size is impacted by the state's weather and traffic conditions, leading to a moderate increase in premiums. |
| Vehicle Theft Rate | C | Ohio has a moderate vehicle theft rate, particularly in urban areas, which contributes to the cost of insurance. |
| Uninsured Drivers Rate | D | Ohio has a relatively higher rate of uninsured drivers, which can result in more claims and higher premiums. |
This emphasizes the monthly auto insurance rates based on provider and coverage level, as well as the discounts offered by the leading providers in the region. To see more, check out our available discounts. Enter your ZIP code and explore further details.
Read more: Automobile Liability Coverage
Car Insurance Coverage Options for Ohio Drivers
When shopping for cheap auto insurance in Ohio, it’s important to understand the different types of coverage available. While the state requires only minimum liability, many drivers choose to add extra protection for peace of mind. Here are the main options:
-
Liability Insurance (Required)
Covers bodily injury and property damage you cause to others in an accident. Ohio’s minimum limits are $25,000 per person, $50,000 per accident, and $25,000 for property damage. -
Collision Coverage
Pays for damage to your vehicle in a collision, regardless of who is at fault. -
Comprehensive Coverage
Covers damage from non-collision events like theft, vandalism, hail, or fire. -
Uninsured/Underinsured Motorist
Protects you if you’re hit by a driver with no insurance or too little insurance. -
Medical Payments (MedPay)
Covers medical costs for you and your passengers after an accident, no matter who caused it. -
Optional Add-Ons
Includes roadside assistance, rental car reimbursement, and custom parts/equipment coverage.
Choosing the right mix of coverage ensures you stay protected without overpaying. Whether you’re with USAA, Geico, American Family, or another provider, knowing your options helps you get the most value from your Ohio auto insurance policy.
Ohio Minimum Auto Insurance Coverage Requirements
The state only requires a minimum amount of liability insurance. Knowing the difference between at- and no-fault insurance is essential to understanding minimum liability.
Since Ohio is an at-fault state, if you cause an accident, you are responsible for filing a claim with your insurance and covering any damages incurred by others.
Ohio Minimum Auto Insurance Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
In Ohio, the minimum required auto insurance coverage includes $25,000 for injuries or death of a single person in an accident you cause, $50,000 for all injuries or fatalities in a single accident, and $25,000 for property damage per accident.
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code to find the most affordable quotes in your area.
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Driving in Ohio Without Insurance
Having covered insurance costs, traffic laws, and road regulations, it’s time to explore important driving facts in Ohio. This section will cover road hazards, vehicle theft, traffic congestion, and other key topics.
This information can help you choose the right car insurance and assist in making an informed decision if you plan to buy a new vehicle. Some cars simply need more coverage than others—that’s the reality.
5 Most Common Auto Insurance Claims in Ohio
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collision | 29% | $3,500 |
| Fender Bender | 25% | $2,000 |
| Single Vehicle Accident | 20% | $4,000 |
| Side-Impact Collision | 15% | $3,800 |
| Theft Claim | 11% | $6,500 |
Multiple offenses can result in even stricter penalties, such as extended suspensions and increased insurance expenses. Enter your ZIP code to find out more.
Read more: Factors that Affect your Car Insurance Premium
High Risk Coverage Insurance
In Ohio, all drivers must have car insurance, and failing to do so may result in fines, license suspension, or the obligation to obtain SR-22 insurance.
SR-22 is classified as high-risk coverage, and motorists in Ohio must maintain it for at least three years.
When shopping for car insurance, learn what each company is known for and how to compare their rates. Look for a reliable customer service that meets your needs.
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SR-22 insurance may also be mandatory for drivers with a DUI conviction, excessive points on their record, a history of reckless driving, or ownership of a sports car. Enter your ZIP code to discover more.
Frequently Asked Questions
Can I still get cheap auto insurance in Ohio with a poor driving record?
Yes, but it may be harder. Some auto insurance companies in Ohio, like Progressive and Travelers, offer options for high-risk drivers. Though rates are higher, you can still find cheap car insurance in Ohio by comparing quotes.
How does Ohio’s at-fault system affect cheap auto insurance in Ohio?
Ohio follows an at-fault system, meaning you’re responsible for damages if you cause an accident. This impacts Ohio auto insurance rates, especially for those seeking affordable car insurance in Ohio after an accident. Enter your ZIP code here to know more.
What discounts help lower the cost of cheap auto insurance in Ohio?
You can qualify for discounts by bundling policies, driving safely, using telematics, or maintaining good grades. These help reduce costs for low-income car insurance in Ohio and make it easier to find cheap car insurance in Ohio.
Why do rates for cheap auto insurance in Ohio vary by company?
Each company calculates risk differently using factors like age, driving history, and ZIP code. To find the cheapest car insurance in Ohio, compare multiple auto insurance companies in Ohio.
What is the cheapest car insurance in Ohio?
USAA has the cheapest car insurance in Ohio at $16/month, but it’s only for military families. Geico and American Family follow at $23/month and $24/month, respectively. Check your ZIP to find the cheapest auto insurance in Ohio. Enter your ZIP code now to inquire.
Does bundling help with cheap auto insurance in Ohio?
Yes. Bundling home and auto insurance Ohio policies with companies like State Farm or American Family can reduce rates and help you find cheap car insurance in Ohio.
Read more: Bundling car insurance
How does coverage type affect cheap auto insurance in Ohio?
Liability-only coverage is the most affordable option, ideal for those seeking cheap car insurance in Ohio. Comprehensive or full coverage costs more, but may be necessary based on your needs.
How do Geico and American Family compare car insurance costs in Ohio?
Geico is Ohio’s second-cheapest provider, with minimum coverage of $23/month, followed by American Family, which is $24/month. Both are great for drivers looking for cheap car insurance in Columbus, Ohio, or statewide.
Are stable insurers better for cheap auto insurance in Ohio?
Yes. Trusted names like USAA and Travelers combine low prices with dependable service. Stable insurers are often the best picks for long-term value and affordable car insurance in Ohio. Enter your ZIP code to check out other cheap prices.
What is the cheapest car insurance in Ohio right now?
Currently, USAA offers the cheapest Ohio car insurance at just $16/month for minimum coverage. It’s available only to military members and their families. Other cheap car insurance options in Ohio include Geico and American Family.