The Cheapest Car Insurance in Ohio for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Ohio for a variety of ages and driving histories.
Dec 8, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Ohio isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Ohio is $1,098 per year, or about $92 per month, according to NerdWallet’s analysis. Minimum coverage in Ohio is $391 per year on average, but we found you can likely get a cheaper policy. For example, Erie offers the cheapest rates in Ohio at $216 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Ohio

Hastings Mutual

$54/month

Not yet rated.

Cheapest for minimum coverage

$18/month

4.0

NerdWallet rating 

Cheapest for young drivers

$95/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

$54/month

4.0

NerdWallet rating 

How we chose the cheapest companies in Ohio

NerdWallet’s editorial team analyzed car insurance rates from 19 auto insurers in Ohio and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Ohio. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Ohio for 20-year-olds

Drivers in Ohio with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $1,146 per year, or about $96 per month.

  2. Central Insurance: $1,390 per year, or about $116 per month.

  3. Erie: $1,408 per year, or about $117 per month.

  4. Hastings Mutual: $1,478 per year, or about $123 per month.

  5. American Family: $1,544 per year, or about $129 per month.

Cheapest minimum coverage car insurance in Ohio for 20-year-olds

Drivers in Ohio who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Erie: $432 per year, or about $36 per month.

  2. Geico: $439 per year, or about $37 per month.

  3. Central Insurance: $533 per year, or about $44 per month.

  4. State Farm: $582 per year, or about $48 per month.

  5. Westfield: $663 per year, or about $55 per month.

Cheapest auto insurance in Ohio for 20-year-olds with poor credit

Drivers with poor credit in Ohio should look at the following insurers with the lowest average rates for minimum coverage:

  1. Erie: $432 per year, or about $36 per month.

  2. Geico: $652 per year, or about $54 per month.

  3. Central Insurance: $955 per year, or about $80 per month.

  4. Allstate: $986 per year, or about $82 per month.

  5. Encompass: $1,078 per year, or about $90 per month.

Cheapest auto insurance in Ohio for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Ohio, here are the companies with the lowest average rates for minimum coverage:

  1. Erie: $556 per year, or about $46 per month.

  2. Geico: $633 per year, or about $53 per month.

  3. State Farm: $762 per year, or about $64 per month.

  4. American Family: $764 per year, or about $64 per month.

  5. Westfield: $842 per year, or about $70 per month.

Cheapest auto insurance in Ohio for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Erie: $624 per year, or about $52 per month.

  2. Geico: $753 per year, or about $63 per month.

  3. American Family: $764 per year, or about $64 per month.

  4. State Farm: $910 per year, or about $76 per month.

  5. Allstate: $951 per year, or about $79 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Ohio for 30-year-olds

Drivers in Ohio with clean driving records may get the lowest rates from these companies:

  1. Hastings Mutual: $678 per year, or about $56 per month.

  2. Geico: $693 per year, or about $58 per month.

  3. Erie: $750 per year, or about $62 per month.

  4. State Farm: $838 per year, or about $70 per month.

  5. Auto-Owners: $903 per year, or about $75 per month.

Cheapest minimum coverage car insurance in Ohio for 30-year-olds

Drivers in Ohio who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Erie: $222 per year, or about $18 per month.

  2. State Farm: $254 per year, or about $21 per month.

  3. Geico: $262 per year, or about $22 per month.

  4. Auto-Owners: $271 per year, or about $23 per month.

  5. Hastings Mutual: $312 per year, or about $26 per month.

Cheapest auto insurance in Ohio for 30-year-olds with poor credit

Drivers with poor credit in Ohio should consider the following companies with the lowest average rates for full coverage:

  1. Erie: $750 per year, or about $62 per month.

  2. Encompass: $1,034 per year, or about $86 per month.

  3. Hastings Mutual: $1,040 per year, or about $87 per month.

  4. Geico: $1,054 per year, or about $88 per month.

  5. American Family: $1,728 per year, or about $144 per month.

Cheapest auto insurance in Ohio for 30-year-old drivers with one at-fault crash

For drivers in Ohio with a recent accident, here are the lowest average rate options for full coverage:

  1. Erie: $953 per year, or about $79 per month.

  2. American Family: $1,033 per year, or about $86 per month.

  3. Hastings Mutual: $1,047 per year, or about $87 per month.

  4. State Farm: $1,073 per year, or about $89 per month.

  5. Geico: $1,087 per year, or about $91 per month.

Cheapest auto insurance in Ohio for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. American Family: $1,033 per year, or about $86 per month.

  2. Erie: $1,128 per year, or about $94 per month.

  3. State Farm: $1,240 per year, or about $103 per month.

  4. Geico: $1,265 per year, or about $105 per month.

  5. Progressive: $1,411 per year, or about $118 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Ohio for 40-year-olds

Drivers in Ohio with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Hastings Mutual: $589 per year, or about $49 per month.

  2. Geico: $673 per year, or about $56 per month.

  3. Erie: $716 per year, or about $60 per month.

  4. State Farm: $817 per year, or about $68 per month.

  5. Central Insurance: $869 per year, or about $72 per month.

Cheapest minimum coverage car insurance in Ohio for 40-year-olds

Drivers in Ohio who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Erie: $211 per year, or about $18 per month.

  2. State Farm: $256 per year, or about $21 per month.

  3. Geico: $257 per year, or about $21 per month.

  4. Hastings Mutual: $266 per year, or about $22 per month.

  5. Auto-Owners: $278 per year, or about $23 per month.

Cheapest auto insurance in Ohio for 40-year-olds with poor credit

Drivers with poor credit in Ohio can check out the following insurers with the lowest average rates for full coverage:

  1. Erie: $716 per year, or about $60 per month.

  2. Hastings Mutual: $896 per year, or about $75 per month.

  3. Geico: $1,022 per year, or about $85 per month.

  4. Encompass: $1,034 per year, or about $86 per month.

  5. American Family: $1,579 per year, or about $132 per month.

Cheapest auto insurance in Ohio for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Ohio, here are the companies with the lowest average rates for full coverage:

  1. Erie: $907 per year, or about $76 per month.

  2. Hastings Mutual: $942 per year, or about $78 per month.

  3. American Family: $947 per year, or about $79 per month.

  4. State Farm: $1,049 per year, or about $87 per month.

  5. Geico: $1,052 per year, or about $88 per month.

Cheapest auto insurance in Ohio for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. American Family: $947 per year, or about $79 per month.

  2. Erie: $1,074 per year, or about $90 per month.

  3. State Farm: $1,212 per year, or about $101 per month.

  4. Geico: $1,244 per year, or about $104 per month.

  5. Progressive: $1,303 per year, or about $109 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in Ohio for 50-year-olds

Drivers in Ohio with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Hastings Mutual: $510 per year, or about $42 per month.

  2. Geico: $649 per year, or about $54 per month.

  3. Erie: $703 per year, or about $59 per month.

  4. State Farm: $798 per year, or about $66 per month.

  5. Auto-Owners: $841 per year, or about $70 per month.

Cheapest minimum coverage car insurance in Ohio for 50-year-olds

Drivers in Ohio who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Erie: $207 per year, or about $17 per month.

  2. Hastings Mutual: $225 per year, or about $19 per month.

  3. Geico: $252 per year, or about $21 per month.

  4. State Farm: $254 per year, or about $21 per month.

  5. Auto-Owners: $260 per year, or about $22 per month.

Cheapest auto insurance in Ohio for 50-year-olds with poor credit

Drivers with poor credit in Ohio can check with the following companies, which showed the lowest average rates for full coverage:

  1. Erie: $703 per year, or about $59 per month.

  2. Hastings Mutual: $771 per year, or about $64 per month.

  3. Encompass: $943 per year, or about $79 per month.

  4. Geico: $985 per year, or about $82 per month.

  5. American Family: $1,459 per year, or about $122 per month.

Cheapest auto insurance in Ohio for 50-year-old drivers with one at-fault crash

For drivers living in Ohio with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Hastings Mutual: $849 per year, or about $71 per month.

  2. American Family: $877 per year, or about $73 per month.

  3. Erie: $889 per year, or about $74 per month.

  4. Geico: $1,002 per year, or about $84 per month.

  5. State Farm: $1,024 per year, or about $85 per month.

Cheapest auto insurance in Ohio for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. American Family: $877 per year, or about $73 per month.

  2. Erie: $1,053 per year, or about $88 per month.

  3. State Farm: $1,188 per year, or about $99 per month.

  4. Progressive: $1,196 per year, or about $100 per month.

  5. Geico: $1,246 per year, or about $104 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Ohio for 60-year-olds

Drivers in Ohio with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Hastings Mutual: $515 per year, or about $43 per month.

  2. Geico: $630 per year, or about $52 per month.

  3. Erie: $685 per year, or about $57 per month.

  4. State Farm: $753 per year, or about $63 per month.

  5. Auto-Owners: $813 per year, or about $68 per month.

Cheapest minimum coverage car insurance in Ohio for 60-year-olds

Drivers in Ohio who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Erie: $201 per year, or about $17 per month.

  2. Hastings Mutual: $228 per year, or about $19 per month.

  3. State Farm: $240 per year, or about $20 per month.

  4. Frankenmuth: $248 per year, or about $21 per month.

  5. Geico: $250 per year, or about $21 per month.

Cheapest auto insurance in Ohio for 60-year-olds with poor credit

Drivers with poor credit in Ohio can look at the following companies with the lowest average rates for full coverage:

  1. Erie: $685 per year, or about $57 per month.

  2. Hastings Mutual: $779 per year, or about $65 per month.

  3. Encompass: $923 per year, or about $77 per month.

  4. Geico: $956 per year, or about $80 per month.

  5. American Family: $1,441 per year, or about $120 per month.

Cheapest auto insurance in Ohio for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Ohio, here are the companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $856 per year, or about $71 per month.

  2. American Family: $864 per year, or about $72 per month.

  3. Erie: $875 per year, or about $73 per month.

  4. State Farm: $968 per year, or about $81 per month.

  5. Geico: $983 per year, or about $82 per month.

Cheapest auto insurance in Ohio for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. American Family: $864 per year, or about $72 per month.

  2. Erie: $1,042 per year, or about $87 per month.

  3. State Farm: $1,122 per year, or about $94 per month.

  4. Progressive: $1,153 per year, or about $96 per month.

  5. Geico: $1,244 per year, or about $104 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was the cheapest auto insurance option for 4 of the 24 driver profiles we examined.

Minimum required auto insurance in Ohio

Ohio car insurance policies must include liability coverage, which covers others’ property damage or injury treatment if you’re responsible for a crash.

The minimum liability limits you must purchase are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $25,000 property damage liability per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

A serious crash could cause damage that easily surpasses these insurance amounts. To avoid having to pay accident bills out of your own pocket, consider buying more than the bare minimum. You may also want common optional coverages such as collision, comprehensive and uninsured motorist protection.

For more help planning your Ohio auto policy, visit NerdWallet’s guide to car insurance requirements by state.

Alternative car insurance in Ohio

Drivers who can’t get car insurance on Ohio’s voluntary market because of a checkered driving record, poor credit or other factors can apply for coverage through the Ohio Automobile Insurance Plan.

Or, you could forgo insurance altogether, if you can prove your financial responsibility to the state. Your options as an individual are:

  • Make a $30,000 deposit with the state treasury in money or bonds.

  • If you and another person own property with equity of at least $60,000, you can purchase a bond from the Bureau of Motor Vehicles in the amount of $30,000.

For more help scoring cheap car insurance in Ohio, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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