Cheap Auto Insurance in Ohio for 2025 (Find Savings With These 10 Companies)
Finding cheap auto insurance in Ohio is easier when you compare providers like USAA, Geico, and American Family with beginning rates of $16/mo. USAA offers cheap rates for only $26 per month. While Geico offers affordable policies for Ohio drivers, American Family offers coverage options tailored to your needs.
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Kristen Gryglik
Licensed Insurance Agent
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: Mar 24, 2025
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6,589 reviewsCompany Facts
Min. Coverage in Ohio
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
19,116 reviewsCompany Facts
Min. Coverage in Ohio
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
2,235 reviewsCompany Facts
Min. Coverage in Ohio
A.M. Best Rating
Complaint Level
Pros & Cons
2,235 reviewsThe cheap auto insurance providers include USAA, Geico and American Family with beginning rates of $16/mo. When searching for budget-friendly car insurance, it’s essential to compare providers that offer competitive rates and reliable coverage.
These companies known for exceptional customer service, competitive rates, and strong financial stability they consistently ranks high in customer satisfaction also provides various policy customization options and discount programs, including bundling and safe-driving rewards.
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 | B | 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 |
See more in-depth information on our insurance company’s site to review policy details and coverage options, discover ways to save on your policy and explore different types of auto insurance coverage. Enter you ZIP code for more information.
- The cheap auto insurance in Ohio are USAA, Geico, and American Family
- Geico offers the cheap and has affordable rates at about $16 monthly
- Compare competitive rates from Geico and American Family strong coverage
#1 – USAA: Top Overall Pick
Pros
- Affordable for Military Families: USAA affords economic coverage precisely designed for military members, making it an excellent choice for eligible drivers in Ohio.
- Excellent Customer Satisfaction: According to our USAA auto insurance review, This consistently earns high ratings for exceptional policy management.
- Wide Range of Coverage Options: This is one of the perfect options for those who want both affordability and security, as it provides benefits without significantly increasing costs.
Cons
- Exclusive to Military Members: Not an option for the general public, limiting access to lower-cost coverage.
- Limited Local Agent Availability: Primarily operates online, which may be a drawback for Ohio residents who prefer in-person assistance.
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#2 – Geico: Best for Affordable Rates
Pros
- Consistently Low Premiums: Geico is one of the best providers in Ohio, offering low and affordable rates.
- Strong Online and Mobile Tools: As mentioned in our Geico auto insurance review, this feature provides an easy-to-use app for convenience.
- Extensive Discount Opportunities: Geico offers a savings program to help Ohio residents and drivers save.
Cons
- Inconsistent Customer Service: Ohio policyholders report issues about customer assistance.
Lack of Local Agents: Geico is not anywhere to be found, making it a drawback for drivers who prefer in-person support.
#3 – American Family: Best for Strong Coverage
Pros
- Flexible Coverage Options: Ohio drivers can choose the best insurance for their needs without paying too much.
- Big Discounts for Bundling: Combining auto and home insurance can save you a lot on your overall costs and it can lead to major savings, reducing overall premium costs.
- Affordable Family Coverage: Families in Ohio with multiple drivers can find budget-friendly insurance solutions that meet their needs. Explore further details on our American Family auto insurance review.
Cons
- Higher Rates for Risky Drivers: Those with accidents or violations may struggle to secure an affordable policy.
- Limited Availability: Not all Ohio drivers will have access to these competitive rates, depending on their location.
#4 – Travelers: Best for Extensive Options
Pros
- Wide Range of Policy Options: Allows Ohio drivers to balance affordability with necessary protection.
- Discounts for Hybrid and Electric Cars: As we wrote in our Travelers auto insurance review a great way for eco-conscious drivers to lower insurance expenses.
- Financially Stable Company: A reliable insurer that offers cost-effective coverage with long-term security.
Cons
- Higher Rates for Young Drivers: Younger Ohio drivers may not find the most budget-friendly premiums here.
- Slower Claims Processing: Delays in payouts could lead to additional costs after an accident.
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#5 – State Farm: Best for Nationwide Presence
Pros
- Largest Network of Local Agent: Offers personalized support to help Ohio drivers find the most budget-friendly plan.
- Strong Financial Stability: Ensures policyholders get affordable coverage backed by a trusted company.
- Competitive Pricing for Safe Drivers: Our State Farm auto insurance review low rates for responsible Ohio drivers looking for the best deal.
Cons
- Limited Discount Options: Fewer cost-saving opportunities compared to other providers.
- Significant Rate Increases After Accidents: A single claim could make once-affordable insurance expensive.
#6 – Progressive: Best for Competitive Pricing
Pros
- “Name Your Price” Tool: Progressive help drivers in Ohio save through their tool named “NameYourPrice”.
- Innovative Snapshot Program: This feature is ideal for drivers who practice safe driving.
- User-Friendly Digital Experience: Progressive is ideal for drivers in Ohio who wants to utilize their policies online.
Cons
- Higher Rates for High-Risk Drivers: Less competitive for those with poor driving records.
- Mixed Customer Service Reviews: As mentioned in our Progressive auto insurance review, some Ohio customers report issues that could affect cost efficiency.
#7 – Farmers Insurance: Best for Customizable Policies
Pros
- Highly Customizable Coverage: Tailored options help Ohio drivers find affordable protection without unnecessary extras.
- Strong Claims Support: Reliable service ensures cost-effective claims resolution.
- Rideshare Insurance Available: A must-have for gig economy drivers looking for budget-friendly options.
Cons
- Higher Premiums Than Budget Providers: Not always the most cost-effective choice for basic coverage.
- Limited Availability in Some Areas: Our Farmers insurance review states that Ohio drivers in rural locations may not have complete access.
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#8 – Liberty Manual: Best for Discounts Available
Pros
- Extensive Discount Programs: Offers many ways for Ohio drivers to lower premiums which is ideal for Ohio drivers.
- Easy-to-Use Mobile App: According to our Liberty Mutual auto insurance review, it helps policyholders manage costs efficiently.
- Unique Coverage Options: These specialized coverage choices can provide additional peace of mind, despite any challenges with the claims process.
Cons
- Higher-Than-Average Premiums: Some Ohio drivers may find cheaper alternatives elsewhere.
- Customer Service Varies by Location: Support quality may impact overall affordability.
#9 – Nationwide: Reliable Service
Pros
- Vanishing Deductible Program: Nationwide rewards drivers in Ohio who practice safe driving through discounts offered.
- Strong Claims and Customer Support: This feature is one of the best options in satisfying customer through excellent assistance.
- Gap Insurance for New Vehicles: Nationwide is one of the best options for Ohio drivers who want to save big with their insurance policy.
Cons
- Fewer Local Agents: Face-to-face consultation is more complex because of the limited agent availability. Read our Nationwide auto insurance review for more details.
- Not Always the Cheapest: It may not be the best option for Ohio drivers seeking the lowest possible rate.
#10 – Allstate: Best for Well-Established Brand
Pros
- Large Network of Local Agents: Offers Ohio drivers in-person guidance to find the best rates.
- Drivewise Telematics Program: Rewards safe driving with potential savings on premiums.
- Claims Satisfaction Guarantee: Helps ensure cost-effective claims handling. Explore further details on our Allstate auto insurance review.
Cons
- Higher Rates for Basic Coverage: Budget-conscious Ohio drivers may find better deals elsewhere.
- Claims Processing Can Be Slow: Delays could lead to unexpected expenses.
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Ohio Car Insurance Coverage and Rates
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.
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 |
It’s important to know what your hard-earned money is actually paying for and to consider whether you should have more car insurance than what is required.
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 |
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. Check out our available discounts to see more. Enter your ZIP code and explore further details.
Read more: Automobile Liability Coverage
Ohio Minimum Amount of Liability Insurance
The state only requires a minimum amount of liability insurance. It’s essential to know the difference between at-fault and no-fault insurance to understand what minimum liability means.
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. These requirements differ from state to state. Enter your ZIP code to learn more.
Ohio Car Insurance Companies
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 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. |
When you’re in the middle of a wreck, it’s important to feel cared about and protected, so that’s exactly why we gathered a list of the best car insurance companies in Ohio. Let’s dive right into AM Best ratings first.
As stated by the Insurance Information Institute, auto insurance is fraud involves giving false information on an insurance application and making claims for injuries or damage that never happened. Enter your ZIP code to get more info.
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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.
These information can help you choose the right car insurance and assist in making an informed decision if you plan you’re to buy a new vehicle. Some cars simply need more coverage than others—that’s the reality.
Auto Insurance Discounts From Top Ohio
| 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% |
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 are enforces to have car insurance, and failing to do so may result in fines, license suspension, or the obligation to obtain SR-22 insurance.
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 |
SR-22 is classified as high-risk coverage, and motorists in Ohio must maintain it for a minimum of three years.
When looking for your car insurance, get to know yourself with what each company is recognized for and discover how to evaluate their rates effectively. Ensure you find a good deal and a guarantor with excellent customer service while fulfilling your vehicle requirements and preferences.
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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
What factors contribute to the affordability of car insurance in Ohio, and how do different providers structure their pricing?
Several factors influence Ohio auto insurance rates, including driving history, vehicle type, credit score, and available discounts from insurers.
How does Ohio’s at-fault insurance system impact the minimum coverage requirements and the overall cost of policies for drivers?
Since Ohio follows an at-fault system, drivers who cause accidents are responsible for damages, which directly impacts car insurance rates in Ohio. Entering your ZIP code.
What unique discounts do top providers like Geico, Liberty Mutual, and Nationwide offer to help drivers reduce their premiums?
Insurance companies such as Geico and Liberty Mutual provide discounts for bundling policies, maintaining a clean driving record, and using telematics. These options can help drivers find affordable car insurance in Ohio.
How does the SR-22 insurance requirement affect high-risk drivers in Ohio, and which providers offer the best rates for these policies?
High-risk drivers needing SR-22 insurance may face higher premiums; companies such as Progressive and Nationwide provide Ohio’s most affordable auto insurance options for these policies.
What are the key differences between comprehensive and liability-only coverage, and how do they influence insurance costs in Ohio?
Comprehensive insurance covers theft and non-collision damage, while liability-only policies cover damages to others. Both of these policies affect Ohio auto insurance rates. Enter your ZIP code.
How does bundling home and auto insurance with providers like American Family and State Farm lead to cost savings?
Bundling home and auto insurance with providers like State Farm and American Family can significantly lower car insurance rates in Ohio.
Read more: Bundling car insurance
What role do telematics programs, such as Progressive’s Snapshot and Allstate’s Drivewise, play in helping Ohio drivers lower their rates?
Programs like Progressive’s Snapshot and Allstate’s Drivewise offer personalized discounts based on driving habits, making them excellent options for cheap auto insurance in Ohio.
How do Ohio’s traffic laws and road conditions impact the likelihood of claims, and which providers offer the best claims support?
Ohio’s road conditions and traffic laws influence accident rates, affecting the average auto insurance cost of car insurance and available coverage options.
What are the long-term benefits of choosing a financially stable insurance provider like Travelers or USAA over a lower-cost alternative?
Choosing a financially stable insurer like Travelers or USAA ensures claim reliability and long-term security for Ohio residents seeking cheap car insurance. Entering your ZIP code.
How does the availability of local agents versus online-only services impact customer satisfaction and affordability for Ohio drivers?
Local agents provide personalized assistance, while online platforms help drivers compare policies and secure the cheapest Ohio car insurance.