| Age Range | Best Insurance Company | Average Annual Comprehensive Premium | Why Are They the Best? | FIXD Insurance Rating (Out of 5) |
| 18-24 | USAA | $1416 | Lowest average premiums and best customer service | 4.4 |
| 25-34 | GEICO | $1500 | Lowest premiums and good customer service | 3.9 |
| 35-44 | State Farm | $1650 | Lowest premiums and great customer service | 4.2 |
| 45-54 | Grange or USAA | $1500 | Lowest average premiums with the best customer service | 4.1 & 4.4 |
| 55-64 | AAA | $300 | Lowest average premiums, fast claims resolution, and excellent customer service | 4.2 |
| 65 or older | USAA or AAA | $900 | Lowest Premiums and best customer service | 4.4 & 4.2 |
Did your car insurance rates go up recently? Looking at a new car? Maybe you need to add a teen to your policy soon or you are unhappy with the customer service of your current carrier.
We have great news for you! There are many car insurance carriers in Ohio with outstanding customer service and good rates.
Keep reading to discover more about the best car insurance companies in Ohio. We’ll discuss rates, customer service, and how fairly the claims are resolved according to current customers.
It can be nerve-wracking to fill out so much personal information for a simple insurance quote. As a bonus, we’ll offer straightforward tips about car insurance from a licensed insurance agent to simplify what can be a confusing decision.
Ohio’s Best Car Insurance Companies
The best car insurance companies in Ohio are USAA, Grange, AAA, Erie, and State Farm. These companies offer the best customer service in Ohio and competitively low rates on average. FIXD users also reported feeling like these companies resolve claims fairly.
We used surveys of FIXD users in Ohio to find which companies to recommend specifically for residents in Ohio State. Surveys asked about rates, age of drivers, and various indicators of customer satisfaction.
Comprehensive auto insurance offers the best financial protection for most drivers, so we concentrated our rate comparisons on comprehensive rates reported by FIXD users wherever possible. You can read more about our methodology later on.
| Best Car Insurance Companies Ohio | Why? | FIXD User Average Rating(Out of 5) |
| USAA | One of the most competitive rates and the best customer service | 4.4 |
| Grange | Competitive rates and excellent customer service | 4.1 |
| AAA | Great rates for older adults and outstanding customer service | 4.2 |
| Erie | The best customer service and competitive rates | 4.4 |
| State Farm | Competitive rates and outstanding customer service | 4.2 |
Pro-tip
You only have to supply your information once to get quotes from multiple companies when you work with an independent insurance agent. You can easily compare companies and ask for advice from your agent.
Ohio’s Best Overall Insurance Company: USAA
USAA is the best overall insurance company for Ohio residents because the company offers the lowest average rates of the companies with the highest customer satisfaction scores. If you’re not eligible for USAA, definitely check out Grange, AAA, Erie, and State Farm.
| Company Info | USAA (United Services Automobile Association) |
| Founded | 1922 |
| Headquarters | San Antonio, TX |
| Phone Number | (800)-531-USAA (8722) or (201)-531-8722 |
| Website | https://www.usaa.com/ |
| Products | Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
| Population Served | Military, Veterans, and eligible family members |
Average Years as a Customer at USAA among Ohio FIXD users: 14.8 years–the longest average length of time in the Ohio survey.
How many customers hear back within 10 minutes? 100% hear back from USAA within ten minutes of contacting the company.
How quickly are Claims Resolved? 83% of claims filed with USAA in Ohio are resolved in just two weeks!
Customer Satisfaction with Claims: 100% of customers who participated in the Ohio FIXD survey felt that USAA resolved their claim fairly.
How to sign up with USAA: You can sign up for a policy through USAA by calling (800)-531-8722 or visiting the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular USAA Discounts according to Ohio FIXD Survey:
- 80% qualify for a military discount
- 70% qualify for a safe driver discount
- 60% bundle their home and car insurance
- 50% have a discount for multiple cars on the policy
- 40% have an anti-theft device discount
- 10% qualify for a good student discount
- 10% bundle their renters and car insurance
USAA Average Annual Rates
| *USAA Average Annual Rates for Comprehensive Coverage | ||
| Average Overall | Male | Female |
| $1200 | $1500 | $900 |
*Results here are an average of results and not intended to serve as a quote.
Ohio’s Best Car Insurance Companies by Age Groups
Car insurance companies cater to specific age groups and demographics through marketing campaigns and preferential rates for coverage. Because of this, car insurance companies vary greatly in their pricing and general appeal to different age groups. See what is best for your age.
Finding an insurance company that caters to your age group or demographic is the best way to secure competitive rates and excellent customer service. Here is a list of the best insurance companies in Ohio based on different ages:
The Best Car Insurance Company for 18 to 24-Year-Olds in Ohio: USAA
USAA is the best provider for 18 to 24-year-olds in Ohio because the company offers the lowest rates on average for car insurance and has the highest customer satisfaction. FIXD users in Ohio rated USAA overall with a 4.4 out of 5 for satisfaction.
| Company Info | USAA (United Services Automobile Association) |
| Founded | 1922 |
| Headquarters | San Antonio, TX |
| Phone Number | (800)-531-USAA (8722) or (201)-531-8722 |
| Website | https://www.usaa.com/ |
| Products | Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
| Population Served | Military, Veterans, and eligible family members |
How many customers hear back within 10 minutes? 100% hear back from USAA within ten minutes of contacting the company.
How quickly are Claims Resolved? 83% of claims filed with USAA in Ohio are resolved in just two weeks!
Customer Satisfaction with Claims: 100% of customers who participated in the Ohio FIXD survey felt that USAA resolved their claim fairly.
How to sign up with USAA: You can sign up for a policy through USAA by calling (800)-531-8722 or visiting the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular USAA Discounts according to Ohio FIXD Survey:
- 80% qualify for a military discount
- 70% qualify for a safe driver discount
- 60% bundle their home and car insurance
- 50% have a discount for multiple cars on the policy
- 40% have an anti-theft device discount
- 10% qualify for a good student discount
- 10% bundle their renters and car insurance
Here is a list of the cheapest car insurance companies in Ohio for 18 to 24-year-olds:
| Car Insurance Company | Average Annual Premium for Insurance |
| USAA | $1416 |
| GEICO | $1525 |
| Erie | $1694 |
| State Farm | $1902 |
| American Family | $1942 |
Pro Tip: While you’re shopping for car insurance, don’t forget renters insurance! Even if your rental housing does not require it, renters insurance can cover your personal belongings and liability up to the policy limit. That’s a lot of financial protection.
The Best Car Insurance Company for 25 to 34-Year-Olds in Ohio: GEICO
GEICO is the best insurance provider for 25 to 34-year olds in Ohio. GEICO has the lowest rates for this age group based on responses from FIXD users in Ohio, and the insurance company has good customer service.
| Company Info | GEICO (Government Employees Insurance Company) |
| Founded | 1936 |
| Headquarters | Chevy Chase, MD |
| Phone Number | 1-800-207-7847 |
| Website | https://www.geico.com/ |
| Products | Home, renters, auto, business, boat & recreational vehicles |
| Population Served | All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 100% of FIXD survey participants who are GEICO customers in Ohio heard back within ten minutes.
How quickly are Claims Resolved? 80% of claims with GEICO are resolved within two weeks according to FIXD users in Ohio.
Customer Satisfaction with Claims: 80% of claims were resolved fairly according to Ohio FIXD survey participants who filed a claim with GEICO.
How to sign up with GEICO: You can sign up with GEICO by getting a quote on their website, finding an agent, or calling customer service for assistance at 1-800-207-7847.
Popular Discounts with GEICO in Ohio according to FIXD survey:
- 79% qualify for a safe driver discount
- 71% have a discount for multiple cars on the policy
- 50% qualify for military discount
- 43% have an anti-theft device discount
- 21% bundle homeowners and car insurance
- 7% bundle renters and car insurance
- 7% qualify for a good student discount
Pro Tip: When you’re ready for your first home, compare quotes that are unbundled (different companies) and bundled at the same company to make sure you’re getting the best deal overall. An agent can assist you.
Here is a list of the cheapest car insurance companies in Ohio for 25 to 34-year-olds according to the FIXD Survey:
| Car Insurance Company | Average Annual Premium |
| GEICO | $1500 |
| Nationwide | $2700 |
| State Farm | $3150 |
The Best Car Insurance Company for 35 to 44 -Year-Olds in Ohio: State Farm
Ohio’s best car insurance provider for 35 to 44-year-olds is State Farm. The car insurance company offers the lowest rates and excellent customer service, according to FIXD users in Ohio. Survey participants with State Farm policies rated the insurance carrier overall as a 4.2 out of 5.
| Company Info | State Farm |
| Founded | 1922 |
| Headquarters | Bloomington, IL |
| Phone Number | (800)-782-8332 |
| Website | https://www.statefarm.com/ |
| Products | Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
| Population Served | All 50 states with the United States and the District of Columbia |
How many customers hear back within 10 minutes? 100% of customers heard back from State Farm within ten minutes according to FIXD users in Ohio.
How quickly are Claims Resolved? 88% of claims are resolved within just two weeks.
Customer Satisfaction with Claims: 88% of claims were resolved fairly according to FIXD users in Ohio.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent or use State Farm’s website. For questions, call 800-STATE FARM (800-782-8332).
Popular Discounts with State Farm in Ohio:
- 85% qualify for a safe driver discount
- 50% have a discount for multiple cars on the policy
- 43% bundle their home and car insurance
- 23% have an anti-theft device discount
- 18% bundle their renters and car insurance
- 5% qualify for a military discount
Here is a list of the cheapest car insurance companies in Ohio for 35 to 44-year-olds:
| Car Insurance Company | Average Annual Premium |
| State Farm | $1650 |
| Allstate | $1700 |
| GEICO | $1800 |
| Progressive | $2325 |
| Liberty Mutual | $2400 |
The Best Car Insurance Company for 45 to 54 -Year-Olds in Ohio: USAA & Grange
The best auto insurance companies for adults aged 45 to 54 in Ohio are USAA and Grange. Many companies offer an annual average rate of $1500 for comprehensive coverage for this age group, but only USAA & Grange have customer satisfaction scores above 4 out of 5.
| Company Info | USAA (United Services Automobile Association) |
| Founded | 1922 |
| Headquarters | San Antonio, TX |
| Phone Number | (800)-531-USAA (8722) or (201)-531-8722 |
| Website | https://www.usaa.com/ |
| Products | Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
| Population Served | Military, Veterans, and eligible family members |
How many customers hear back within 10 minutes? 100% hear back from USAA within ten minutes of contact.
How quickly are Claims Resolved? 83% of claims filed with USAA in Ohio are resolved in just two weeks!
Customer Satisfaction with Claims: 100% of customers who participated in the Ohio FIXD survey felt that USAA resolved their claim fairly.
How to sign up with USAA: You can sign up for a policy through USAA by calling (800)-531-8722 or visiting the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular USAA Discounts according to Ohio FIXD Survey:
- 80% qualify for a military discount
- 70% qualify for a safe driver discount
- 60% bundle their home and car insurance
- 50% have a discount for multiple cars on the policy
- 40% have an anti-theft device discount
- 10% qualify for a good student discount
- 10% bundle their renters and car insurance
| Company Info | Grange Insurance |
| Founded | 1935 |
| Headquarters | Columbus, Ohio |
| Phone Number | Report claims to (800) 445-3030 |
| Website | https://www.grangeinsurance.com/insurance |
| Products | Auto, Home, Business, and Life Insurance |
| Areas Served | Ohio, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin |
How many customers hear back within 10 minutes? 100% of customers heard back within ten minutes of contacting Grange Insurance.
How quickly are Claims Resolved? FIXD users reported that all claims they filed with Grange Insurance were resolved within two weeks.
Customer Satisfaction with Claims: 100% of claims resolutions felt fair according to FIXD users who had filed a claim with Grange Insurance in Ohio.
How to sign up with Grange Insurance: To sign up with Grange Insurance, locate an agency online using your zip code.
Popular Grange Insurance Discounts according to FIXD Survey:
- 75% qualify for a safe driver discount
- 50% bundle their home and auto insurance
- 25% claim a multi-car discount
- 25% have a good student discount
Here is a list of the cheapest car insurance companies in Ohio for 45 to 54-year-olds:
| Car Insurance Company | Average Annual Premium |
| USAA | $1500 |
| Grange | $1500 |
| Progressive | $1500 |
| American Family | $1500 |
| State Farm | $1920 |
Pro Tip: When you have teens in your household ready to drive, it’s not just your rates that matter. Shop around again to compare quotes before adding a teen to your existing policy.
The Best Car Insurance Company for 55 to 64 -Year-Olds in Ohio: Grange
Ohio’s best auto insurance company for 55 to 64-year-olds is AAA. The insurance carrier offers the lowest car insurance rates and maintains outstanding customer satisfaction. FIXD users also reported that 100% of claims are resolved fairly.
State Farm also offers the same great rate with the same overall satisfaction score of 4.2 out of 5 if you’d like faster customer support and claims resolutions. 88% of FIXD survey participants reported that State Farm resolved claims fairly.
| Company Info | AAA |
| Founded | 1914 |
| Headquarters | Walnut Creek, CA |
| Phone Number | 1 (833)-806-7833 |
| Website | https://ohio.aaa.com/ |
| Products | Auto, Home, Wedding, Boat & Life Insurance and Roadside assistance |
| Areas Served | AAA is available in all 50 states through regional clubs |
How many customers hear back within 10 minutes? 33% of customers heard back within ten minutes of contacting AAA.
How quickly are Claims Resolved? FIXD survey participants reported that claims took longer than two weeks to be resolved.
Customer Satisfaction with Claims: 100% of claims with AAA were resolved fairly according to FIXD survey participants in Ohio.
How to sign up with AAA: You can begin the quote process on AAA’s regional website for Ohio, call 833-806-7833, or by contacting an agent.
Popular Discounts with AAA in Ohio according to FIXD users:
- 20% bundle their home and auto insurance
- 20% bundle their renters and car insurance
- 20% have a discount for multiple cars on the policy
- 20% have a discount for an anti-theft device
| Car Insurance Company | Average Annual Comprehensive Premium |
| AAA | $300 |
| State Farm | $300 |
| American Family | $300 |
| Grange | $450 |
| Liberty Mutual | $900 |
The Best Car Insurance Company for 65+-Year-Olds in Ohio: USAA and AAA
The best auto insurance companies for seniors in Ohio are USAA and AAA. Both companies have an average annual rate of $900. USAA has a customer satisfaction score of 4.4 out of 5, but is only available for military members, veterans, and eligible dependents. AAA has a score of 4.2 out of 5.
| Company Info | USAA (United Services Automobile Association) |
| Founded | 1922 |
| Headquarters | San Antonio, TX |
| Phone Number | (800)-531-USAA (8722) or (201)-531-8722 |
| Website | https://www.usaa.com/ |
| Products | Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
| Population Served | Military, Veterans, and eligible family members |
How many customers hear back within 10 minutes? 100% hear back from USAA within ten minutes of contacting the company.
How quickly are Claims Resolved? 83% of claims filed with USAA in Ohio are resolved in just two weeks!
Customer Satisfaction with Claims: 100% of customers who participated in the Ohio FIXD survey felt that USAA resolved their claim fairly.
How to sign up with USAA: You can sign up for a policy through USAA by calling (800)-531-8722 or visiting the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular USAA Discounts according to Ohio FIXD Survey:
- 80% qualify for a military discount
- 70% qualify for a safe driver discount
- 60% bundle their home and car insurance
- 50% have a discount for multiple cars on the policy
- 40% have an anti-theft device discount
- 10% qualify for a good student discount
- 10% bundle their renters and car insurance
| Company Info | AAA |
| Founded | 1914 |
| Headquarters | Walnut Creek, CA |
| Phone Number | 1 (833)-806-7833 |
| Website | https://ohio.aaa.com/ |
| Products | Auto, Home, Wedding, Boat & Life Insurance and Roadside assistance |
| Areas Served | AAA is available in all 50 states through regional clubs |
How many customers hear back within 10 minutes? 33% of customers heard back within ten minutes of contacting AAA.
How quickly are Claims Resolved? FIXD survey participants reported that claims took longer than two weeks to be resolved.
Customer Satisfaction with Claims: 100% of claims with AAA were resolved fairly according to FIXD survey participants in Ohio.
How to sign up with AAA: You can begin the quote process on AAA’s regional website for Ohio, call 833-806-7833, or by contacting an agent.
Popular Discounts with AAA in Ohio according to FIXD users:
- 20% bundle their home and auto insurance
- 20% bundle their renters and car insurance
- 20% have a discount for multiple cars on the policy
- 20% have a discount for an anti-theft device
Here is a list of the cheapest car insurance companies in Ohio for residents aged 65 and above:
| Car Insurance Company | Average Annual Premium |
| USAA | $900 |
| AAA | $900 |
| Progressive | $1050 |
| State Farm | $1200 |
| Erie | $1500 |
Research Methodology
We know money is the bottom line for a lot of Ohio drivers, so we focused on recommending companies with the lowest or competitive rates. We also know that you need an insurance company with outstanding service and revolves claims fairly. Our recommendations reflect all of those aspects.
Our survey of FIXD users collected the average miles driven, discounts, and multiple factors of customer satisfaction for us to analyze.
We only included insurance companies with enough respondents to reflect customer satisfaction and a variety of premiums to average. Some insurance companies were not represented for every age band.
Independent Customer Satisfaction Surveys
FIXD used the following information provided by the survey to assess customer satisfaction:
- Preferred method of contacting insurance company and whether or not they heard back within ten minutes or less
- How long respondent had been an auto insurance policyholder with current insurance company
- Insurance provider customer support rating, company rating, policy rating, and then averaged these for an overall rating. Each rating was out of 5 possible points.
- A variety of options for respondents to indicate what they liked and didn’t like about their auto insurance provider.
- Survey questions to collect information about claims data including how long until claim resolution and whether or not the customer felt the claim was resolved fairly.
Finding the Average Car Insurance Rates
In the survey, respondents indicated their gender, age range, average annual miles driven, and discounts in addition to their annual premiums. From there, we were able to find averages and indicate said averages in the article. We focused on comprehensive insurance coverage since that’s what we recommend.
For Ohio’s 18 to 24-year-old data, we supplemented the information collected from the FIXD surveys by finding the average for teen and young adult drivers from another independent survey. The data from this study was compiled from quotes for hypothetical drivers.
You may find more information about the methodology, cars, and driver profiles used for the data in the study’s methodology section.
Conclusion
Based on the average premium prices for full coverage, fair claims resolution, and customer satisfaction scores, Ohio State residents should obtain quotes from USAA, AAA, Grange, Erie, and State Farm.
Don’t forget that working with an independent insurance agent can make comparison shopping for insurance much easier!
Frequently Asked Questions
What Ohio insurance company provides the best service?
USAA and Erie Insurance companies provide the best service in Ohio State. FIXD users scored both companies at 4.4 out of 5 for overall satisfaction. Survey participants also said that claims were resolved fairly.
What is the cheapest car insurance in Ohio?
The cheapest car insurance providers in Ohio on average are AAA, Grange, USAA, and American Family according to actual rates reported by FIXD users in the state.
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
