How Much Is Ohio Car Insurance?

Average Monthly Rate
Quotes Today
Agents in the State
Get quotes in less than 3 minutes

Recent Quotes

  • Mercury $62/mo

    2011 Ford Escape - OH

  • Safe Auto $96/mo

    2019 Chevrolet Equinox - OH

  • Liberty Mutual $62/mo

    2001 Subaru Legacy - OH

  • Mercury $72/mo

    2017 Chevrolet Traverse - OH

  • Liberty Mutual $40/mo

    2003 Chevrolet Silverado - OH

  • Safe Auto $68/mo

    2004 Buick Century - OH

  • 21st Century $124/mo

    2009 Ford Fusion - OH

  • Infinity $59/mo

    2010 Nissan Cube - OH

  • Safe Auto $68/mo

    2006 Toyota 4runner - OH

  • General $81/mo

    2015 Kia Optima - OH

  • ClearCover $77/mo

    2012 Toyota Prius - OH

  • 21st Century $89/mo

    2006 Chevrolet Impala - OH

Affordable Car Insurance in Ohio

You’re a smart, savvy shopper. We get that. You don’t visit the airport when you need to book a trip, you use TripAdvisor.com or Expedia.com. Car insurance is no different. We’ll help you quickly figure out who offers the best car insurance in Ohio for your smart, savvy self.

We are carrier-neutral because our customer is you. Have no fear of the unknown after reviewing the data points provided here, especially when purchasing car insurance for the first time. You will be armed and prosperous! And then you can get on with your life.

Ohio car insurance

Cheapest Auto Insurance Rates in Ohio

Carriers look at multiple variables when determining your insurance rate. Your age, location, driving history, and state requirements are all factors in determining the price you pay. We used our in-house reporting to determine the companies that offer the cheapest car insurance rates in Georgia. USAA came in with the lowest rate currently available in Ohio at $58.90 per month. Followed by Merchants Insurance Group at $65.06 per month and Auto-Owners Insurance Co at $78.75 per month.

Lowest Rate

USAA

$58.90
Highest Rate

Dairyland

$270.30
Average Rate

Ohio

$87
RankCompanyAvg monthly rate
1 USAA $58.90 / month
2 Merchants Insurance Group $65.06 / month
3 Auto-Owners Insurance Co $78.75 / month
4 Erie $81.76 / month
5 GEICO $83.72 / month
6 American Family $86.52 / month
7 Ohio Mutual Ins Group $88.48 / month
8 Grange Mutual $93.39 / month
9 Westfield $94.15 / month
10 Frankenmuth Mutual $94.68 / month
11 State Farm $94.68 / month
12 Hastings Mutual Insurance Co $97.95 / month
13 Motorists Mutual $102.70 / month
14 Buckeye Insurance Group $104.81 / month
15 Utica National Ins Group $108.17 / month
16 Cincinnati Insurance $109.11 / month
17 Nationwide $113.70 / month
18 Progressive $113.86 / month
19 Western Reserve $114.46 / month
20 Allstate $115.80 / month
21 Travelers $123.39 / month
22 SafeAuto $132.64 / month
23 MetLife Auto & Home $139.61 / month
24 Celina Insurance Group $140.84 / month
25 Encompass $144.36 / month
26 Farmers $146.32 / month
27 Central Mutual Insurance Co $147.97 / month
28 Allied $154.95 / month
29 AIG $156.74 / month
30 Metropolitan $161.78 / month
31 State Auto $163.96 / month
32 SAFECO $171.27 / month
33 Atlantic States Insurance $184.64 / month
34 Bristol West $200.13 / month
35 Liberty Mutual $221.00 / month
36 Hallmark $248.46 / month
37 Dairyland $270.30 / month

Top 10 Cheapest Cities for Car Insurance

If you are lucky enough to live in one of these cities you are likely paying some of the lowest car insurance rates available in Georgia. According to our data, Middletown comes in at the cheapest at only $83.36 per month. Other cities that made the top 10 list include Lima at $85.01 per month, Canton at $89.10 per month, and Springfield at $90.09 per month.

RankCityAvg monthly rate
1 Middletown, OH$83.36 / month
2 Lima, OH$85.01 / month
3 Canton, OH$89.10 / month
4 Springfield, OH$90.09 / month
5 Euclid, OH$90.60 / month
6 Mansfield, OH$90.63 / month
7 Hamilton, OH$92.16 / month
8 Dayton, OH$93.69 / month
9 Warren, OH$94.33 / month
10 Lorain, OH$99.58 / month

Top 10 Most Expensive Cities for Car Insurance

These top 10 cities ranked as the most expensive places in Georgia for car insurance. Location is a big factor when determining the price you pay for car insurance and these cities came in at the top. Reynoldsburg is the most expensive city in Georgia at $141.51 per month. Second and third place goes to Cincinnati at $129.98 per month and Toledo at $118.25 per month.

RankCityAvg monthly rate
1 Reynoldsburg, OH $141.51 / month
2 Cincinnati, OH $129.98 / month
3 Toledo, OH $118.25 / month
4 Columbus, OH $115.75 / month
5 Cleveland, OH $110.53 / month
6 Elyria, OH $108.44 / month
7 Westerville, OH $108.38 / month
8 Akron, OH $106.92 / month
9 Youngstown, OH $105.22 / month
10 Lancaster, OH $102.90 / month

Average Quotes by Top Companies

Rates can vary wildly from company to company. Here is a quick look at a few rates from some of the top car insurance companies in Ohio.

Compare Recent Car Insurance Quotes in Ohio

SmartFinancial helps thousands of drivers every day find and compare the best car insurance rates available. Here is a list of some recent quotes that we recently found for drivers in Ohio.

CompanyMonthly rateVehicle
Mercury $622011 Ford Escape
Safe Auto $962019 Chevrolet Equinox
Liberty Mutual $622001 Subaru Legacy
Mercury $722017 Chevrolet Traverse
Liberty Mutual $402003 Chevrolet Silverado
Safe Auto $682004 Buick Century
21st Century $1242009 Ford Fusion
Infinity $592010 Nissan Cube
Safe Auto $682006 Toyota 4runner
General $812015 Kia Optima
ClearCover $772012 Toyota Prius
21st Century $892006 Chevrolet Impala

Methodology

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Minimum Car Insurance Coverage in Ohio

Every state requires drivers to have a minimum amount of liability coverage. Ohio drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

icon
$25,000

Bodily injury coverage per person

Maximum payment for serious injury or death to a single person

icon
$50,000

Bodily injury coverage per accident

Coverage for multiple people injured in a single accident

icon
$25,000

Property damage per accident

Maximum payment for all damaged property in an accident caused by you

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Ohio, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passengers in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

Since Ohio is a “fault” or “tort” state, your carrier will pay for accident damages only once you are found responsible for causing the accident. You can also be sued by the other driver if found at fault. Consider this: $7,500 is the maximum payment for property damage but you collide with a $20,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $7,500. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!

While not legally required, drivers can also elect to carry full coverage insurance. For more information, read the SmartFinancial blog 10 Things to Consider when Shopping for a New Auto Insurance Policy.

Since you are smart and savvy, you should know that there are instances where your lender will require you to carry one of the optional coverages listed below (typically collision and comprehensive).

Optional Coverage in Ohio

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
  • Windshield Replacement

Did you know? Some of the lowest insurance rates in the country are found in Ohio! Still, it’s important to shop around for the best rate.

Ohio Car Safety

Ohio car safety

  1. Don’t drink or drug and drive
  2. Don’t cell phone and drive
  3. Don’t anything-that-might-cause-distracted-driving and drive

One

Driving in Ohio with a blood alcohol content (including that from medications) at or below the set limits WILL put you at risk of being arrested for driving under the influence. The consequences are real, and they are as harsh as you would suspect. Visit our FAQ to learn the limits and possible consequences of a DUI conviction or refusal to submit a chemical test.

Two

Texting and driving in Ohio can also have extreme consequences. Watch this video with your family to understand that what we often think is just a safe, quick glance could mean permanent damage, our own death or even homicide. The fact is, a one-second glance away from the road is what the Journal of Adolescent Health has deemed safe, but the average text message takes five seconds. You wouldn’t drink and drive, so don’t text and drive either.

Three

While it might seem like all of these driving laws go without saying, the statistics tell us otherwise. SmartFinancial encourages you to avoid all non-driving activities while driving. Keep yourself, your passengers and other drivers safe by limiting your road activities strictly to driving while driving.

Car Safety for Ohio Kids

Until children reach 4 years of age and 40 pounds, Ohio law requires that they are secured in a car seat appropriate for their size. For infants up to 1-year-old or 20 pounds, it should be a rear-facing car seat, which is then followed by a forward-facing car seat.

Children who are over 4 years and 40 pounds may use a booster seat. This is required until the child reaches 8 years of age and a height of 4 feet, 9 inches tall.

Once a child reaches this age and height, he or she may switch over to the vehicle’s seat belts. Keep in mind that kids are always safest in the back seat in the event of an accident or airbag deployment.

It’s risky to leave young children alone in a car, van, SUV, or truck. In addition to concerns about self-injury or victimization by a stranger, interior temperatures can reach dangerous highs or lows rapidly.

For example, on a warm or hot day (or even a temperate day if the vehicle’s in sunlight), temperatures inside can climb as much as 30 degrees in as many minutes, far exceeding the outdoor temperature. This easily leads to heatstroke, brain damage, and death in a young child, as well as a pet. Kids and animals don’t regulate their body temperature as effectively or efficiently as teens and adults, and of course, they’re unable to remove themselves from the dangerous situation.

Ohio doesn’t have a specific law for this concern. However, if a young child suffers due to being left unattended in a vehicle, the parent, guardian, or caregiver can be held accountable for negligence and child endangerment.

icon
313

Fatal Accidents Testing Positive for Drug Involvement in Ohio

icon
299,040

Annual Distracted Driving Related Crashes in Ohio

icon
15

Years in Ohio Prison for Vehicular Homicide Caused by a Drunk Driver

Driving Green in Ohio

Driving green in Ohio

With more than 262,851 miles of scenic road to cover, there is a large amount of driving being done in Ohio. Here’s how you can do your part to “drive green.”

icon

Smog

Get your emissions checked in these counties every other year.

icon

Littering

Avoid litter cleanup duty from land or water by not breaking the Ohio littering laws.

icon

Clean Air Cars

Skip the emissions inspections if your vehicle is powered exclusively by electricity, propane or natural gas (after your first inspection)! Don’t forget to ask your insurance company of choice if they offer any green car discounts.

For more information on Ohio’s efforts (and nationwide efforts) to promote hybrid and electric vehicles, visit www.ncsl.org.

Ohio Car Insurance FAQ

Ohio car insurance faq

Will my credit score be used to obtain car insurance in Ohio?

Yes and, unfortunately, car insurance companies in your state do not have to reveal to you how they are going about setting your rate. Here are a few life events and other things you can do to keep your rate down.

Is there a good-driver discount in Ohio?

It is always best to ask your selected car insurance company about good-driver and other discounts to obtain cheap auto insurance in Ohio! Possible discounts include:

  • Good student
  • Multi-car
  • Homeowner’s
  • Safety features
  • Students with good grades
  • Ownership/title
  • Good driver
  • Anti-theft

Can I use my digital insurance card in Ohio?

Yes! Getting pulled over in Ohio is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!

What is uninsured motorist coverage and is it required in Ohio?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs. It is an optional coverage in Ohio!

What happens if I don’t have insurance or my coverage lapses?

The Ohio Department of Public Safety states possible risks as vehicle registration and license plates impounded, driver’s license and registration suspension, and your vehicle may be immobilized or forfeited. Liability insurance is a minimum requirement in Ohio (and most others), so be sure to have coverage at all times!

What are Ohio's blood alcohol concentration (BAC) percentages limits under the driving under the influence (DUI) laws?

It is illegal for an individual to operate a motor vehicle in Ohio with the following BAC percentages:

.08%+ @ 21 years old or older
.04%+ for commercial vehicle drivers
.01%+ @ < 21 years old

What are the chemical test refusal penalties in Ohio?

Your license will be confiscated immediately and suspended for one to five years if you refuse to take a blood-alcohol test.

ou can elect to choose a qualified person of your choice to administer the test again after conducted by the police officer.

For more information on Ohio’s OVI (operating a vehicle while impaired) laws, refer to their Motor Vehicle Laws.

What are the consequences of being convicted of an OVI in Ohio?

If convicted of an OVI, say goodbye to being financially savvy, and quite possibly, to your freedom. If arrested, you’ll face varying degrees of jail time, fines of up to $10,500, driver’s license suspensions, community service, OVI school, and reinstatement requirements. The financial obligations extend beyond the OVI ticket to court costs, attorney fees, higher insurance rates, SR-22 filing and the installation of an Ignition Interlock Device (IID) to serve as a breathalyzer test each time you start your vehicle.

What is uninsured motorist coverage and is it required in Ohio?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs. It is an optional coverage!

Compare Car Insurance Rates in Ohio for Free.

Get Quotes in Ohio in less than 3 minutes.

Welcome to
Ohio
State seal