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.
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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 several driver categories.
» FIND YOUR MATCH: Who’s the cheapest carrier for you?
Cheapest for good drivers in Ohio
For good drivers with good credit in Ohio, these are the cheapest companies we found, ranked by lowest average rate:
- Grange: $524 per year.
- Erie: $789 per year.
- State Farm: $928 per year.
- Geico: $997 per year.
- Nationwide: $1,080 per year.
Cheapest for drivers with poor credit
For good drivers with poor credit in Ohio, here are the cheapest auto insurers and their average rates:
- Grange: $831 per year.
- Geico: $1,448 per year.
- Nationwide: $1,515 per year.
- Cincinnati Insurance: $1,934 per year.
- State Farm: $1,969 per year.
Cheapest for drivers with one at-fault crash
For Ohio drivers with a recent accident on their records, these are the cheapest car insurance companies we found, alongside their average rates:
- Erie: $992 per year.
- Grange: $1,018 per year.
- State Farm: $1,106 per year.
- Nationwide: $1,619 per year.
- Geico: $1,630 per year.
Cheapest for low-mileage drivers
Low-mileage drivers in Ohio may want to look into the following companies, which are the cheapest we found for this group, along with average rates:
- Grange: $514 per year.
- Erie: $687 per year.
- State Farm: $786 per year.
- Geico: $918 per year.
- Nationwide: $1,080 per year.
Cheapest for minimum coverage in Ohio
For minimum coverage car insurance in Ohio, these are the cheapest companies we found, ranked by average rate:
- Grange: $175 per year.
- Erie: $261 per year.
- State Farm: $395 per year.
- Geico: $464 per year.
- Cincinnati Insurance: $488 per year.
The rates here are samples, and yours will be different. Each car insurance company evaluates your driving history, credit and personal information differently, so it’s possible none of these companies are cheapest for you. Read about the companies here and others in NerdWallet’s auto insurance reviews.
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.
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.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Cheapest car insurance in Ohio
|Good drivers||Grange Insurance|
|Drivers with poor credit||Grange Insurance|
|Drivers with one at-fault crash||Erie Insurance|
|Low-mileage drivers||Grange Insurance|
|Minimum Coverage||Grange Insurance|
For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:
- $100,000 bodily injury liability coverage per person.
- $300,000 bodily injury liability coverage per crash.
- $50,000 property damage liability coverage per crash.
- $100,000 uninsured motorist bodily injury coverage per person.
- $300,000 uninsured motorist bodily injury coverage per crash.
- Collision coverage with $1,000 deductible.
- Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
- For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
- For drivers with one at-fault crash, we added a single at-fault crash.
- For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
- For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.