Want to know the cheapest pre-owned vehicle to insure in Ohio? We researched insurance quotes in the state to save you the effort!
This article covers insurance basics for the state of Ohio and tips to save money on premiums. We also found the best insurance companies and answered frequently asked questions!
Ohio Cheapest Used Cars to Insure
We used a basic driver profile and 45 vehicles from the 2021 production year. We put these through an insurance quote generator and found these three pre-owned vehicles to be the most affordable to insure.
1. 2021 CX-5 by Mazda
Mazda’s 2021 CX-5 is a small, 4-door SUV. It’s the cheapest pre-owned car to insure in Ohio. A full car coverage policy for this vehicle is only $37 a month. That’s less than half the average cost of a full coverage insurance policy in Ohio! Liability-only costs $23 monthly.
Mazda’s CX-5 is a Top Safety Pick+ award winner due to its crash test safety. It gets 25 miles per gallon for city driving and up to 31 MPG on the highway.
2. 2021 Forester by Subaru
Subaru’s 2021 Forester is the second cheapest to insure in Ohio. It’s a small, 4-door SUV that costs $70 monthly for full coverage insurance. That makes its insurance 27% more affordable than the average policy price in Ohio. A liability-only policy runs $26 per month.
This Top Safety Pick+ award winner gets 26 MPG in the city and 33 MPG on the highway. It is loaded with safety features that make it perform exceptionally well in crash tests.
3. 2021 Bronco by Ford
Ford’s 2021 Bronco, the third cheapest to insure in Ohio, is a Top Safety Pick+ award-winning small SUV. A full coverage policy costs $72 a month, and liability-only costs $24. Its full coverage is 26% more affordable than the average policy in Ohio.
Gas mileage for this 4-door SUV is 20MPG in the city and 22 MPG on the highway.
The 45 Cheapest Used Vehicles to Insure in Ohio
We collected policy estimates for the 45 vehicles in the Insurance Institute for Highway Safety’s (IIHS) 2021 Top Safety Pick+ list. All 45 cars are ranked by their full coverage policy costs. We also provided liability-only quotes for comparison.
| Year | Make | Model | Full Coverage | Liability Only |
|---|---|---|---|---|
| 2021 | Mazda | CX-5 | $37.00 | $23.00 |
| 2021 | Subaru | Forester | $70.00 | $26.00 |
| 2021 | Ford | Bronco | $72.00 | $24.00 |
| 2021 | Subaru | Ascent | $72.00 | $28.00 |
| 2021 | Subaru | Crosstrek | $76.00 | $29.00 |
| 2021 | Subaru | Outback | $76.00 | $26.00 |
| 2021 | Acura | MDX | $78.00 | $31.00 |
| 2021 | Acura | RDX | $79.00 | $31.00 |
| 2021 | Toyota | Highlander | $81.00 | $31.00 |
| 2021 | Chrysler | Pacifica | $83.00 | $31.00 |
| 2021 | Subaru | Legacy | $83.00 | $28.00 |
| 2021 | Hyundai | Santa Fe | $84.00 | $37.00 |
| 2021 | Chevrolet | Trailblazer | $85.00 | $31.00 |
| 2021 | Ford | Explorer | $85.00 | $34.00 |
| 2021 | Nissan | Murano | $85.00 | $32.00 |
| 2021 | Toyota | Sienna | $85.00 | $28.00 |
| 2021 | Mazda | 3 | $86.00 | $32.00 |
| 2021 | Honda | Accord | $87.00 | $30.00 |
| 2021 | Nissan | Rogue | $89.00 | $31.00 |
| 2021 | Volvo | S60 | $89.00 | $31.00 |
| 2021 | Volvo | S60 Recharge | $89.00 | $30.00 |
| 2021 | Acura | TLX | $91.00 | $28.00 |
| 2021 | Mitsubishi | Outlander | $95.00 | $35.00 |
| 2021 | Audi | Q5 | $98.00 | $29.00 |
| 2021 | Honda | Civic | $98.00 | $30.00 |
| 2021 | Kia | K5 | $98.00 | $33.00 |
| 2021 | Honda | Insight | $99.00 | $30.00 |
| 2021 | Honda | Odyssey | $99.00 | $35.00 |
| 2021 | Lexus | ES 350 | $100.00 | $28.00 |
| 2021 | Volkswagen | ID | $101.00 | $39.00 |
| 2021 | Kia | Stinger | $102.00 | $33.00 |
| 2021 | Mazda | 6 | $102.00 | $32.00 |
| 2021 | Nissan | Altima | $102.00 | $38.00 |
| 2021 | Mazda | CX-9 | $104.00 | $32.00 |
| 2021 | Volvo | S90 | $106.00 | $28.00 |
| 2021 | Genesis | G70 | $108.00 | $32.00 |
| 2021 | Toyota | Camry | $112.00 | $38.00 |
| 2021 | Volvo | V60 | $112.00 | $28.00 |
| 2021 | Cadillac | XT6 | $117.00 | $32.00 |
| 2021 | Lexus | IS | $119.00 | $28.00 |
| 2021 | Nissan | Maxima | $122.00 | $32.00 |
| 2021 | Tesla | Model 3 | $124.00 | $39.00 |
| 2021 | Audi | A7 | $129.00 | $30.00 |
| 2021 | Mercedes Benz | C-Class | $141.00 | $38.00 |
| 2021 | Audi | A6 | $146.00 | $28.00 |
Full Coverage vs. Liability Insurance Costs
Liability-only insurance is cheaper than full coverage. That’s because liability only doesn’t cover a vehicle if it is lost, stolen, or damaged.
Ohio Pre-owned Car Insurance Averages
| Full coverage policy | Liability-only policy |
| $95.47 | $31.09 |
The Best Ohio Car Insurance Companies
The three best automobile insurance companies in Ohio are Nationwide, State Farm, and Erie.
We accessed Ohio complaint records to compare companies with more than 2% of the market share in the state. We also didn’t include duplicate listings for the same company in the data.
Companies with lower Market Share to Complaint Ratios indicate fewer complaints and happier claimants. You can see all of the rankings below.
| Insurance Company | Market Share | Percent of Total Complaints | Ratio of Complaint to Market Share |
|---|---|---|---|
| Nationwide | 2.48% | 0.91% | 0.37 |
| State Farm | 16.74% | 10.57% | 0.63 |
| Erie | 3.74% | 2.34% | 0.63 |
| Progressive Specialty | 7.90% | 5.06% | 0.64 |
| Safeco | 2.35% | 1.81% | 0.77 |
| Grange | 2.20% | 1.89% | 0.86 |
| Progressive Direct | 7.83% | 7.55% | 0.96 |
| Allstate | 7.32% | 7.32% | 1 |
| Geico | 2.75% | 3.17% | 1.15 |
Tips to Lower Insurance Premiums in Ohio
Drivers in Ohio can follow these tips to maximize discounts and minimize insurance premiums:
- Comparison shop routinely for policies
- Maintain a clean driving record
- Reduce the amount you drive because fewer miles mean cheaper rates
- Improve your credit score
Research Methodology
We used an in-state address to help drivers in Ohio find the least expensive pre-owned vehicle to insure. Focusing on Ohio data means that our information is more accurate for Ohio policyholders than national averages. This is because premiums vary significantly from state to state.
Using an Ohio address and a basic driver profile, we input a list of 45 vehicles through an insurance quote generator.
Basic Driver Profile
- 35-year-old male with a Bachelor’s degree
- Single and employed full time
- Homeowner, but did not bundle policies
- Owns the vehicle rather than leased or financed
- Been with the current insurance carrier for five or more years
We used vehicles on the IIHS 2021 Top Safety Pick+ 2021 list. The IIHS is an independent, nonprofit organization that collects safety data for cars on the market.
We used the following limits for liability-only quotes.
- $100,000/$300,000 Liability limits
- $100,000 property damage limits
- $10,000 Personal Injury Protection
For the full coverage quotes, we included the following coverages with the liability selections.
- $1000 deductible on collision coverage
- $1000 deductible for comprehensive coverage
- $50/$1500 Rental Reimbursement
- $100 Roadside Assistance
Frequently Asked Questions
What is the cheapest SUV to insure in Ohio?
Mazda’s CX-5 is the cheapest pre-owned SUV to insure in Ohio. A full coverage policy is only $37 a month.
Are older cars cheaper to insure?
Older cars are cheaper to insure because they cost less to replace. Lower financial risk for the insurance company means lower premiums for the policyholder.
How much liability insurance is required in Ohio?
Ohio mandates that drivers have a liability insurance policy with a bodily injury limit of $25,000 per person per accident and a minimum of $50,000 total per accident. Policies must also cover a minimum of $25,000 in property damage.
What is the penalty for driving without insurance in Ohio?
The penalty is suspension for first-time offenders driving without insurance in Ohio. The driver’s license will be suspended for at least 90 days. Longer suspensions and court costs await repeat offenders.
What is the basic insurance for a car?
The basic insurance for a vehicle is liability insurance to cover financial responsibilities to other property and people in an accident. Full coverage insurance is recommended so the policyholder’s vehicle, the driver, and passengers are also covered.
What car has the highest insurance rates?
Expensive vehicles like sports, luxury, or rare cars have the highest insurance rates. That is because of the high replacement costs.
References
(2022). Auto Insurance 2019 Consumer Complaints. Ohio Department of Insurance. Retrieved November 26, 2022, from https://insurance.ohio.gov/static/Consumer/Complaint+Ratios/auto_2019.pdf
(2022). Driver License & ID Cards: Mandatory Insurance. Ohio BMV. Retrieved November 28, 2022, from https://www.bmv.ohio.gov/dl-mandatory-insurance.aspx
(2022). Guide to Automobile Insurance. Ohio Department of Insurance. Retrieved November 28, 2022, from https://insurance.ohio.gov/consumers/automobile
(2022). 2021 Top Safety Picks. IIHS. Retrieved November 9, 2022, from https://www.iihs.org/ratings/top-safety-picks/2021
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.
