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Best Car Insurance in Ohio

best car insurance in ohio
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If you own a motor vehicle in Ohio, it’s a legal requirement to have car insurance. You may be responsible for showing this insurance at traffic stops, vehicle inspections, or the scene of an accident. Insurance also protects your financial health in the event of an accident, an act of vandalism, a natural disaster, or a theft. Read on to explore the best car insurance in Ohio so you can determine the right policy for you.

Best Car Insurance in Ohio

You can find the cheapest insurance rates from the following insurance providers:

  • State Farm: Founded in 1922, State Farm has been a popular provider of car insurance for 100 years and counting. This company offers coverage options for auto insurance, teen drivers, rental cars, and more.
  • Geico: Founded in 1936, Geico is a household name for auto and other types of insurance. This company is a great resource for affordable insurance rates and personalized service.
  • Westfield: Westfield offers customers protection for vehicles and homes, businesses, and farms. Their support includes liability, collision, comprehensive, medical payments, and personal injury protection.
  • Erie: Erie is a popular company for drivers seeking cheap car insurance. You can get a quote online to see what your insurance rates may be.
  • Nationwide: Nationwide provides customers with insurance, retirement, and investing products. Here, you can find special discounts like SmartRide that reward safe drivers.
  • Progressive: Progressive is one of the country’s largest insurance carriers. This company provides fast car insurance quotes, bundle deals, and more.
  • Grange: Grange partners with local, independent insurance agents to find great deals for customers. This company can help you customize your auto, home, or business policies.
  • Allstate: Allstate was founded in 1931. This firm provides a variety of auto insurance bundles.

Best Car Insurance in Ohio for Minimum Coverage

Here are the cheapest rates for minimum-coverage insurance in Ohio. The numbers in this article are from ValuePenguin’s assessment of Quadrant Information Services data. This data is based on insurer filings, so keep in mind that your rates may be different from what you see below:

  • State Farm: $299 per year
  • Geico: $402 per year
  • Westfield: $423 per year
  • Erie: $501 per year
  • Nationwide: $515 per year
  • Progressive: $535 per year
  • Grange: $572 per year
  • Allstate: $605 per year

The minimum legal requirement for car insurance in Ohio is to have minimum or liability-only coverage for your vehicle. While this type of insurance provides reimbursement if you damage another car, it doesn’t protect you from financial loss if your own car sustains damage.

Best Car Insurance in Ohio for Full Coverage

If you own a new or valuable vehicle, it’s a good idea to invest in full-coverage car insurance. Here are the most affordable full-coverage options in Ohio:

  • State Farm: $786 per year
  • Geico: $931 per year
  • Nationwide: $1,345 per year
  • Erie: $1,384 per year
  • Westfield: $1,420 per year
  • Progressive: $1,545 per year
  • Grange: $1,760 per year
  • Allstate: $1,849 per year

Best Car Insurance in Ohio for Drivers in Special Circumstances

There are a variety of factors that impact your insurance rate, including age, marital status, and driving history. Here, you can find the best car insurance in Ohio based on different key circumstances:

With Poor Credit

Insurance providers use credit as one of the ways to determine a candidate’s insurance quote. Here are the cheapest average insurance rates for drivers with poor credit in Ohio:

  • Geico: $1,257 per year
  • State Farm: $1,538 per year
  • Nationwide: $1,686 per year
  • Westfield: $1,927 per year
  • Grange: $2,143 per year
  • Progressive: $2,373 per year
  • Allstate: $2,659 per year
  • Erie: $3,023 per year

With a Speeding Ticket

Drivers who have received a speeding ticket may be more at risk for accidents in the future. Here are the cheapest quotes for drivers with a speeding ticket in the state:

  • State Farm: $859 per year
  • Geico: $1,168 per year
  • Erie: $1,384 per year
  • Westfield: $1,420 per year
  • Nationwide: $1,684 per year
  • Grange: $1,814 per year
  • Progressive: $1,949 per year
  • Allstate: $2,316 per year

After an Accident

Explore the following average annual insurance rates for drivers who’ve been in an accident in Ohio:

  • State Farm: $932 per year
  • Westfield: $1,543 per year
  • Geico: $1,718 per year
  • Erie: $1,719 per year
  • Nationwide: $2,025 per year
  • Progressive: $2,297 per year
  • Grange: $2,412 per year
  • Allstate: $3,003 per year

With a DUI

As DUIs are serious infractions, drivers with DUIs have higher insurance quotes. These rates are the average options for drivers with DUIs in Ohio:

  • Progressive: $1,753 per year
  • State Farm: $1,792 per year
  • Geico: $1,984 per year
  • Erie: $2,054 per year
  • Grange: $2,307 per year
  • Allstate: $2,570 per year
  • Nationwide: $2,610 per year
  • Westfield: $3,266 per year

Married Drivers

Here are the cheapest car insurance rates, on average, for married drivers in Ohio:

  • State Farm: $786 per year
  • Geico: $904 per year
  • Progressive: $1,180 per year
  • Nationwide: $1,315 per year
  • Erie: $1,358 per year
  • Westfield: $1,420 per year
  • Grange: $1,760 per year
  • Allstate: $1,823 per year

Young Drivers

Young drivers are inexperienced on the road and may be at risk for accidents. Here are the cheapest rates for liability-only insurance for young drivers in the state of Ohio:

  • State Farm: $1,029 per year
  • Geico: $1,110 per year
  • Erie: $1,304 per year
  • Allstate: $1,657 per year
  • Westfield: $1,706 per year
  • Grange: $2,270 per year
  • Nationwide: $2,431 per year
  • Progressive: $2,575 per year

Young Drivers With a Speeding Ticket

These are the average quotes for liability-only insurance for young drivers with a speeding ticket in Ohio:

  • State Farm: $1,143 per year
  • Geico: $1,234 per year
  • Erie: $1,373 per year
  • Westfield: $1,706 per year
  • Allstate: $2,140 per year
  • Grange: $2,270 per year
  • Nationwide: $2,584 per year
  • Progressive: $2,702 per year

Young Drivers After an Accident

Peruse the following liability only quotes for young drivers after an accident in Ohio:

  • State Farm: $1,257 per year
  • Erie: $1,515 per year
  • Geico: $1,602 per year
  • Westfield: $1,753 per year
  • Allstate: $2,311 per year
  • Nationwide: $2,652 per year
  • Grange: $2,838 per year
  • Progressive: $2,899 per year

In Ohio, there are a diversity of car insurance options that could meet your needs. Whatever your unique situation, check out the discounts and cheap plans that could be available to you. Maintaining a clean driving record can decrease your insurance costs even more. Talk with an insurance agent to discuss your circumstances and determine the best car insurance in Ohio for your vehicle.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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