The Cheapest Car Insurance in Ohio for April 2024

Hastings Mutual offers the cheapest car insurance in Ohio, with an average annual rate of $750 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Ohio isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Ohio is Hastings Mutual at $750 per year on average, or $63 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Ohio. Meanwhile, the average cost of full coverage car insurance in Ohio is $1,380 per year, or about $115 per month.

Minimum coverage in Ohio is $408 per year on average, but we found you can likely get a cheaper policy. For example, Buckeye offers the cheapest rates in Ohio at $221 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

If you’re looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest Ohio cities, including:

How we chose the cheapest companies in Ohio

NerdWallet’s editorial team analyzed car insurance rates from 24 auto insurers in Ohio and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Ohio where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best 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. Allstate: $5,975 per year, or about $498 per month.
  2. American Family: $2,589 per year, or about $216 per month.
  3. Auto-Owners: $2,596 per year, or about $216 per month.
  4. Erie: $2,676 per year, or about $223 per month.
  5. Farmers: $5,947 per year, or about $496 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. Allstate: $816 per year, or about $68 per month.
  2. American Family: $1,141 per year, or about $95 per month.
  3. Auto-Owners: $832 per year, or about $69 per month.
  4. Erie: $777 per year, or about $65 per month.
  5. Farmers: $2,405 per year, or about $200 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. Allstate: $1,151 per year, or about $96 per month.
  2. American Family: $1,581 per year, or about $132 per month.
  3. Auto-Owners: $2,272 per year, or about $189 per month.
  4. Erie: $1,585 per year, or about $132 per month.
  5. Farmers: $4,569 per year, or about $381 per month.

Cheapest auto insurance in Ohio for 20-year-old drivers with one speeding ticket

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

  1. Allstate: $1,004 per year, or about $84 per month.
  2. American Family: $1,285 per year, or about $107 per month.
  3. Auto-Owners: $1,165 per year, or about $97 per month.
  4. Erie: $854 per year, or about $71 per month.
  5. Farmers: $2,702 per year, or about $225 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. Allstate: $1,249 per year, or about $104 per month.
  2. American Family: $1,252 per year, or about $104 per month.
  3. Auto-Owners: $1,298 per year, or about $108 per month.
  4. Erie: $931 per year, or about $78 per month.
  5. Farmers: $3,573 per year, or about $298 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. Allstate: $1,331 per year, or about $111 per month.
  2. American Family: $1,302 per year, or about $109 per month.
  3. Auto-Owners: $1,872 per year, or about $156 per month.
  4. Erie: $1,104 per year, or about $92 per month.
  5. Farmers: $3,699 per year, or about $308 per month.

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

  1. Allstate: $1,822 per year, or about $152 per month.
  2. American Family: $1,453 per year, or about $121 per month.
  3. Auto-Owners: $1,231 per year, or about $103 per month.
  4. Erie: $1,253 per year, or about $104 per month.
  5. Farmers: $2,510 per year, or about $209 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. Allstate: $346 per year, or about $29 per month.
  2. American Family: $591 per year, or about $49 per month.
  3. Auto-Owners: $325 per year, or about $27 per month.
  4. Erie: $351 per year, or about $29 per month.
  5. Farmers: $876 per year, or about $73 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. Allstate: $2,897 per year, or about $241 per month.
  2. American Family: $2,189 per year, or about $182 per month.
  3. Auto-Owners: $3,467 per year, or about $289 per month.
  4. Erie: $2,889 per year, or about $241 per month.
  5. Farmers: $5,193 per year, or about $433 per month.

Cheapest auto insurance in Ohio for 30-year-old drivers with one speeding ticket

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

  1. Allstate: $378 per year, or about $32 per month.
  2. American Family: $704 per year, or about $59 per month.
  3. Auto-Owners: $455 per year, or about $38 per month.
  4. Erie: $366 per year, or about $30 per month.
  5. Farmers: $1,260 per year, or about $105 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. Allstate: $3,020 per year, or about $252 per month.
  2. American Family: $1,620 per year, or about $135 per month.
  3. Auto-Owners: $1,763 per year, or about $147 per month.
  4. Erie: $1,593 per year, or about $133 per month.
  5. Farmers: $4,523 per year, or about $377 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. Allstate: $3,031 per year, or about $253 per month.
  2. American Family: $1,753 per year, or about $146 per month.
  3. Auto-Owners: $2,407 per year, or about $201 per month.
  4. Erie: $1,999 per year, or about $167 per month.
  5. Farmers: $4,938 per year, or about $412 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. Allstate: $1,815 per year, or about $151 per month.
  2. American Family: $1,404 per year, or about $117 per month.
  3. Auto-Owners: $1,212 per year, or about $101 per month.
  4. Erie: $1,166 per year, or about $97 per month.
  5. Farmers: $2,363 per year, or about $197 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. Allstate: $346 per year, or about $29 per month.
  2. American Family: $560 per year, or about $47 per month.
  3. Auto-Owners: $327 per year, or about $27 per month.
  4. Erie: $323 per year, or about $27 per month.
  5. Farmers: $827 per year, or about $69 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. Allstate: $2,768 per year, or about $231 per month.
  2. American Family: $2,091 per year, or about $174 per month.
  3. Auto-Owners: $3,413 per year, or about $284 per month.
  4. Erie: $2,700 per year, or about $225 per month.
  5. Farmers: $4,912 per year, or about $409 per month.

Cheapest auto insurance in Ohio for 40-year-old drivers with one speeding ticket

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

  1. Allstate: $378 per year, or about $32 per month.
  2. American Family: $670 per year, or about $56 per month.
  3. Auto-Owners: $457 per year, or about $38 per month.
  4. Erie: $336 per year, or about $28 per month.
  5. Farmers: $1,150 per year, or about $96 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. Allstate: $3,010 per year, or about $251 per month.
  2. American Family: $1,555 per year, or about $130 per month.
  3. Auto-Owners: $1,735 per year, or about $145 per month.
  4. Erie: $1,487 per year, or about $124 per month.
  5. Farmers: $4,241 per year, or about $353 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. Allstate: $3,031 per year, or about $253 per month.
  2. American Family: $1,692 per year, or about $141 per month.
  3. Auto-Owners: $2,371 per year, or about $198 per month.
  4. Erie: $1,854 per year, or about $154 per month.
  5. Farmers: $4,598 per year, or about $383 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 cheap auto 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. Allstate: $1,656 per year, or about $138 per month.
  2. American Family: $1,277 per year, or about $106 per month.
  3. Auto-Owners: $1,132 per year, or about $94 per month.
  4. Erie: $1,104 per year, or about $92 per month.
  5. Farmers: $2,274 per year, or about $189 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. Allstate: $313 per year, or about $26 per month.
  2. American Family: $512 per year, or about $43 per month.
  3. Auto-Owners: $307 per year, or about $26 per month.
  4. Erie: $302 per year, or about $25 per month.
  5. Farmers: $770 per year, or about $64 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. Allstate: $2,568 per year, or about $214 per month.
  2. American Family: $1,897 per year, or about $158 per month.
  3. Auto-Owners: $3,187 per year, or about $266 per month.
  4. Erie: $2,545 per year, or about $212 per month.
  5. Farmers: $4,661 per year, or about $388 per month.

Cheapest auto insurance in Ohio for 50-year-old drivers with one speeding ticket

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

  1. Allstate: $343 per year, or about $29 per month.
  2. American Family: $618 per year, or about $52 per month.
  3. Auto-Owners: $429 per year, or about $36 per month.
  4. Erie: $314 per year, or about $26 per month.
  5. Farmers: $1,090 per year, or about $91 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. Allstate: $2,739 per year, or about $228 per month.
  2. American Family: $1,416 per year, or about $118 per month.
  3. Auto-Owners: $1,617 per year, or about $135 per month.
  4. Erie: $1,401 per year, or about $117 per month.
  5. Farmers: $4,104 per year, or about $342 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. Allstate: $2,828 per year, or about $236 per month.
  2. American Family: $1,554 per year, or about $130 per month.
  3. Auto-Owners: $2,205 per year, or about $184 per month.
  4. Erie: $1,753 per year, or about $146 per month.
  5. Farmers: $4,404 per year, or about $367 per month.

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 car 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. Allstate: $1,656 per year, or about $138 per month.
  2. American Family: $1,271 per year, or about $106 per month.
  3. Auto-Owners: $1,088 per year, or about $91 per month.
  4. Erie: $1,084 per year, or about $90 per month.
  5. Farmers: $2,068 per year, or about $172 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. Allstate: $313 per year, or about $26 per month.
  2. American Family: $515 per year, or about $43 per month.
  3. Auto-Owners: $304 per year, or about $25 per month.
  4. Erie: $302 per year, or about $25 per month.
  5. Farmers: $720 per year, or about $60 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. Allstate: $2,524 per year, or about $210 per month.
  2. American Family: $1,887 per year, or about $157 per month.
  3. Auto-Owners: $3,064 per year, or about $255 per month.
  4. Erie: $2,511 per year, or about $209 per month.
  5. Farmers: $4,287 per year, or about $357 per month.

Cheapest auto insurance in Ohio for 60-year-old drivers with one speeding ticket

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

  1. Allstate: $343 per year, or about $29 per month.
  2. American Family: $623 per year, or about $52 per month.
  3. Auto-Owners: $426 per year, or about $35 per month.
  4. Erie: $314 per year, or about $26 per month.
  5. Farmers: $1,037 per year, or about $86 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. Allstate: $2,734 per year, or about $228 per month.
  2. American Family: $1,410 per year, or about $118 per month.
  3. Auto-Owners: $1,559 per year, or about $130 per month.
  4. Erie: $1,384 per year, or about $115 per month.
  5. Farmers: $3,791 per year, or about $316 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. Allstate: $2,828 per year, or about $236 per month.
  2. American Family: $1,546 per year, or about $129 per month.
  3. Auto-Owners: $2,125 per year, or about $177 per month.
  4. Erie: $1,734 per year, or about $144 per month.
  5. Farmers: $4,055 per year, or about $338 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Ohio for 70-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. Allstate: $1,664 per year, or about $139 per month.
  2. American Family: $1,406 per year, or about $117 per month.
  3. Auto-Owners: $1,264 per year, or about $105 per month.
  4. Erie: $1,194 per year, or about $99 per month.
  5. Farmers: $2,452 per year, or about $204 per month.

Cheapest minimum coverage car insurance in Ohio for 70-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. Allstate: $348 per year, or about $29 per month.
  2. American Family: $626 per year, or about $52 per month.
  3. Auto-Owners: $385 per year, or about $32 per month.
  4. Erie: $334 per year, or about $28 per month.
  5. Farmers: $937 per year, or about $78 per month.

Cheapest auto insurance in Ohio for 70-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. Allstate: $2,614 per year, or about $218 per month.
  2. American Family: $2,079 per year, or about $173 per month.
  3. Auto-Owners: $3,565 per year, or about $297 per month.
  4. Erie: $2,752 per year, or about $229 per month.
  5. Farmers: $5,085 per year, or about $424 per month.

Cheapest auto insurance in Ohio for 70-year-old drivers with one speeding ticket

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

  1. Allstate: $380 per year, or about $32 per month.
  2. American Family: $746 per year, or about $62 per month.
  3. Auto-Owners: $540 per year, or about $45 per month.
  4. Erie: $347 per year, or about $29 per month.
  5. Farmers: $1,274 per year, or about $106 per month.

Cheapest auto insurance in Ohio for 70-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. Allstate: $2,756 per year, or about $230 per month.
  2. American Family: $1,572 per year, or about $131 per month.
  3. Auto-Owners: $1,830 per year, or about $153 per month.
  4. Erie: $1,520 per year, or about $127 per month.
  5. Farmers: $4,116 per year, or about $343 per month.

Cheapest auto insurance in Ohio for 70-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. Allstate: $2,841 per year, or about $237 per month.
  2. American Family: $1,700 per year, or about $142 per month.
  3. Auto-Owners: $2,529 per year, or about $211 per month.
  4. Erie: $1,912 per year, or about $159 per month.
  5. Farmers: $4,345 per year, or about $362 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 among the cheapest five auto insurance options for 56 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 minimum $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 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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