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Best Cheap Car Insurance in Ohio for 2018

Jan. 18, 2018
Auto Insurance, Insurance
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

Cheap car insurance in Ohio isn’t always easy to find. Prices vary quite a bit depending on the insurance company you get a quote from, as well as personal factors such as your age and credit history.

To help Ohioans navigate the car insurance market quickly, NerdWallet looked at rates from the 10 largest insurers in the state and found the three cheapest options for these driver categories:

Good drivers

Young drivers

Drivers with one at-fault crash

Drivers with poor credit

Retired drivers

Also in this article

Minimum car insurance requirements in Ohio

Alternative car insurance in Ohio

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.


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price

  • $566/year

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price

  • $612/year

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price

  • $1,003/year

The average for good drivers among the three cheapest insurers was about $727 per year. Grange and Erie delivered the cheapest prices in our analysis — about $47 and $51 per month, respectively — followed by Geico.

Cheapest for young drivers

For drivers in their early 20s.


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price

  • $258/year

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price

  • $326/year

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price

  • $578/year

Drivers in their early 20s are just starting out and usually don’t need as much coverage as older motorists who have families to protect or significant savings to lose in a crash lawsuit. We looked at rates for young drivers carrying the minimum required coverage.

Grange offered the lowest average price in our analysis, $258 a year, followed by Erie and Geico. Some of the quotes we found were over $1,100, so even if you don’t need full coverage, it’s still smart to shop around.

Cheapest for drivers with one at-fault crash


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price

  • $797/year

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price

  • $1,105/year

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price

  • $1,258/year

Causing a crash almost always results in a price increase when you renew your policy. This is a good time to shop around and see if you can find better quotes elsewhere, since rates often vary widely for drivers with crashes on their records.

For example, Erie had the best deal for this group at $797 per year. That’s $231 more than the lowest average price we found for drivers of the same age with no crashes. The next cheapest estimate was $1,105 per year from Grange, which is $539 higher than the best rate for crash-free motorists.

Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier.


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price

  • $902/year

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price

  • $1,457/year

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price

  • $1,537/year

Many insurers consider credit-based insurance scores a useful indicator of how likely customers are to file future claims. This explains why people with poor credit tend to have trouble getting cheap car insurance in Ohio.

Grange delivered the lowest rate in our analysis, $902 per year. That’s $336 more than the cheapest price we found for drivers with good credit and $105 higher than the best deal available for those with an at-fault crash. Geico was the next most affordable option for motorists with credit issues, with an average quote about $555 per year more than Grange’s.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.


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price

  • $484/year

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price

  • $594/year

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price

  • $794/year

Because they spend less time behind the wheel than people with a daily commute, retirees can find cheaper car insurance than most other motorists, even ones half their age.

We collected rates for retired drivers who use their car 50% less during the year than other groups. The lowest average quote was $484 from Erie, $82 cheaper than the best deal we found for 30-year-old good drivers who commute daily. Grange and State Farm were the next cheapest options, respectively.

Minimum car insurance requirements in Ohio

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

The minimum liability limits are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

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.

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

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Ohio

CategoryCheapest option
Good driversGrange Insurance
Young driversGrange Insurance
Drivers with one at-fault crashErie Insurance
Drivers with poor creditGrange Insurance
Retired driversErie Insurance

Methodology

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per accident.
  • $50,000 property damage liability coverage per accident.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per accident.
  • $15,000 personal injury protection.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used a 2014 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than other groups. Our sample young driver was 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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