Cheap Car Insurance in Ohio for 2020

Ohio can be one of the more affordable states to insure a vehicle. Drivers in rural areas pay much less on average, though, so it’s important to shop for your specific area.

Who has the cheapest car insurance in Ohio?

  • Grange
  • State Farm
  • USAA
  • GEICO
  • Allstate

We sampled information from a number of sources and developed a range of what cheap car insurance usually costs in Ohio. We based these samples on a driver with at least a decade of driving experience, a clean driving record, driving America’s most popular, non-exotic vehicles.

The important thing to remember is that insurance rates can vary widely, and prices can change almost daily. This range is only a GUIDE to give you a basic idea about the rates insurance companies charge today in Ohio.

DISCLAIMER: There are numerous other factors that are going to impact the cost of insurance on your car, crossover, or truck. We’ll provide info on some of those variables, but your best bet is to read our deep dive on Cheap Car Insurance for 2020 to get a better idea.

Who has the best cheap car insurance in Ohio?

  • Best Large Insurance Carrier - USAA/State Farm. We’re including two options here, because USAA may only be available to active or former members of the military. State Farm falls not far behind USAA for great rates.

  • Cheapest Insurance with Bad Credit - Grange. Grange is more than $200 less expensive than its closest competitor in the bad credit space, GEICO.

  • Cheapest Insurance with One Accident - Grange. Again, it’s the regional carrier coming in with the best pricing, landing at $782 per year.

  • Cheapest Insurance for Higher Mileage - GEICO. The large national insurance carrier dominates the list of cheapest insurance in the state of Ohio.

How much does car insurance cost in Ohio?

In our larger story on car insurance, we found that a national average for auto insurance was $1,341. In Ohio, you could pay up to 20% less, depending on where you live. Our prior research also revealed that the overall average is about $960 for insurance in Ohio.

Rates we found reported as “typical” or “average” (annual) onlineAverage (annual)Adjusted average* (annual)
Allstate$1,369-$1,872$1,620$1,671
Travelers$793-$1,194$993$1,058
USAA**$614-916$765$813
GEICO$708-$1,458$1,083$944
Grange$605-$998$801$801***

(*) The “adjusted average” is computed by eliminating the highest and lowest values and averaging the remaining values.

(**) You may need to have or have had an association with the military to qualify for USAA.

(***) Only average values were able to be located for Grange insurance

What causes rates to go up in Ohio?

Ohio has a variety of very low-cost insurance options, but the thing that drives rate increases across the board are accidents, DUIs, speeding tickets, and bad credit. Drivers also tend to pay significantly more for car insurance when they live in and around major metro areas like Cincinnati, Columbus, or Dayton. That said, accidents and bad behavior behind the wheel are more to blame for Ohioans’ rising insurance rates than anything else. Insurance premiums went up just over 20% for drivers with a speeding ticket, around 40% for passing a school bus, 72% for street racing, and as much as 84% for an at-fault accident.

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How do accidents affect rates in Ohio?

According to The Zebra, Ohioans’ rates can go up as much as 84% for an at-fault accident. That’s more than what drivers will pay for illegally passing a school bus.

Here are the best estimates we could find from various sources on how much one accident will raise your policy premium in Ohio:

Range of Rate Increases for One AccidentAverage of Rate IncreasesAdjusted Average of Rate Increases
33%, 49%, 93%58%49%

This information is just an approximation. Many factors can change how much your insurance goes up after you have one accident. For example, if you’ve paid more in your annual insurance cost to be a part of an Accident Forgiveness program, your increase for one accident is 0%, but your overall cost of insurance is higher every year than if you hadn’t. Almost all of the insurers on our list above of cheap insurance providers, and many others, offer this option which was popularized by Allstate.

How do tickets affect rates in Ohio?

Drivers with a ticket on their record fare a bit better than those with accidents, but there’s still a penalty to be paid. Rates increased across the board for tickets, but the percentage is much less dramatic than we saw above.

Range of Rate Increases for One Speeding ViolationAverage of Rate IncreasesAdjusted Average of Rate Increases
5%, 20%, 22%, 32%, 37%23%25%

How can you get car insurance discounts in Ohio?

The best thing you can do to keep your insurance costs down in Ohio is avoid speeding tickets and drive carefully to sidestep at-fault accidents. Living in or near one of the state’s numerous urban areas will also cost you more from a rate perspective. Drivers in metro areas pay as much as $400 more for their car insurance every year than people who live in rural parts of the state. If you don’t need to carry full coverage insurance on your vehicle, you may be able to save hundreds of dollars every year by choosing a minimum coverage option.

We also have an entire story on the tens of thousands of discount programs available, based on memberships, military service, and other associations. Some of the more common meaningful discounts relate to low mileage driving, bundling with your home owner’s policy, and carrying high deductibles. Students take note: Many insurers will offer good students a discount. Parents take note: If your kid is at college more than 100 miles away you may see big savings.

What’s the minimum coverage allowed in Ohio?

Getting stopped without insurance in Ohio is a big deal. If you get caught driving without insurance, you might have your license temporarily revoked, and you may have to pay a $100 fee to have it reinstated. Every driver is required to hold at least $25,000 in injury/death coverage for one person, $50,000 in injury/death coverage for two people, and at least $25,000 for property damage.

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FAQ

Who has the cheapest car insurance in Ohio?

Insurance rates can vary wildly, depending on where you live and on the state of your driving record. On average, USAA offers the best rates, landing at just over $600 annually, but you may have to be an active or former member of the military to qualify. The closest competitor in Ohio is Travelers insurance, with average rates of under $800 per year.

How much is insurance per month in Ohio?

Average costs end up being around $100 per month.

Who has the cheapest full coverage insurance in Ohio?

Grange and GEICO tend to come in with the best rates for full coverage.

How can I get super cheap car insurance?

There’s no tried-and-true rule for getting cheap car insurance. The best rates available to you will depend on where you live, your driving record, the coverage you need, the type of vehicle you own, and other factors like your credit score. Also, make the carrier aware of other memberships or special circumstances you have. If you’re a veteran, active military, senior citizen, or if you have a membership to an organization like AAA or AARP, you may be eligible for discounted or special rates.

What is the cheapest online car insurance?

Years ago, only a few companies offered online applications for their insurance policies, but that has changed in recent years. Almost all insurance carriers offer an online-only option to apply for coverage now, so it’s just a matter of shopping around. Data reported on multiple sources shows that USAA is still one of the most affordable options, but well-known insurance carriers State Farm aren’t far behind for many people.

What’s important in a car insurance company besides the rates?

Unsurprisingly, some car insurers have been called out by their customers for having poor customer service and in some cases unexpected rate changes. We recommend checking recent online reviews before you switch to a new carrier.

Does credit score affect car insurance?

Unfortunately, yes. The Federal Trade Commission found that low credit scores were relatively accurate predictors of a driver’s risk for an accident. As a result, insurance companies will sometimes charge higher rates and have more restrictive coverage offerings for people with spotty credit histories. Drivers with bad credit in Ohio can still get insurance, but the rates and restrictions may be heavier than for drivers with good credit.

Is there low income car insurance?

Ohio does not require insurers to offer low-income insurance.

Who has the cheapest full coverage?

Full coverage costs vary by carrier and location within Ohio. Grange and Erie, both regional carriers, appear to have the lowest full coverage rates.

What do you do if you can’t afford car insurance?

Ohio requires that all drivers have insurance but does not require insurers to offer low-cost coverage to low-income drivers. If you can’t afford insurance, the best alternative to avoid legal troubles is to move to public transit or a rideshare service like Uber.

Can I buy one day car insurance?

One day insurance can be very helpful if you’re buying a car or moving a vehicle from one location or another. You can also buy temporary coverage and supplemental coverage for special activities like track days and off-roading.

How can I get my insurance quote cheaper?

Shopping around is the best strategy to find the best rates. Companies will often compete with each other for your business. You can also take advantage of any other memberships you might have, like AAA or AARP for discounts.

Can you lie about your job on car insurance?

No. Lying about any part of your insurance application can result in lost coverage, uncovered accidents, or legal action.

Why is my insurance so high with no accidents?

If you live in Ohio, the answer is probably “kids”. Drivers with teens in their family can pay up to double the average insurance premium.

Is an older car cheaper to insure?

An older car is not always cheaper to insure. Insurance companies use complex algorithms with many factors to set a price. The value of the vehicle does matter.

What happens to car insurance after a speeding ticket?

If you’re luck, nothing will happen, but it’s impossible to count on that. You’ll likely see a rate increase, unless you’re able to attend a remedial drivers ed program. You can find our overview of programs in Ohio here.

Why does car insurance cost so much?

Car insurance becomes expensive for people with spotty driving records, poor credit, or for those that live in extremely congested areas with other people that get into lots of accidents. Insurance is a numbers game, and companies are constantly trying to adjust their rates to match their perceived level of risk.

Editor's note and disclaimer: Car Talk is supported by our fans, readers and listeners. When you click on some of the links on our website, we may receive referral compensation. However, you should know that the recommendations we make are based on our independent editorial review and analyses.