Cheap Car Insurance in Ohio for 2024 (Check Out the Top 10 Companies)
For cheap car insurance in Ohio, Geico, American Family, and Grange stand out, offering excellent coverage beginning at just $22 monthly. These companies provide excellent rates while maintaining high quality, making them the best choices for reliable and budget-friendly insurance in Ohio to maximize your savings.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Oct 14, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Oct 14, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
If you are looking for cheap car insurance in Ohio, you have come to the right place. Check out our top providers such as Geico, American Family, and Grange that offer rates starting at $22 per month. Find more options by looking further into this article.
Understanding the ins and outs of car insurance in Ohio can help you make informed decisions and find the best coverage for your budget.
Our Top 10 Company Picks: Cheap Car Insurance in Ohio| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $22 | A++ | Extensive Discounts | Geico |
 | #2 | $24 | A | Flexible Coverage | American Family |
 | #3 | $25 | B++ | Regional Expertise | Grange |
 | #4 | $27 | B | Local Agents | State Farm |
 | #5 | $28 | A+ | Customer Satisfaction | Erie |
 | #6 | $29 | A+ | Experienced Drivers | The Hartford |
 | #7 | $33 | A+ | Competitive Rates | Progressive |
 | #8 | $41 | A | Multi-Policy Discount | Liberty Mutual |
 | #9 | $44 | A+ | Vanishing Deductible | Nationwide |
 | #10 | $46 | A+ | Comprehensive Coverage | Allstate |
In this article, we will discuss the basics of car insurance, Ohio’s minimum requirements, factors that can affect your insurance rates, tips for finding cheap car insurance and top affordable car insurance providers in Ohio. Enter your ZIP code now.
- Ohio offers competitive auto insurance rates
- Insurers provide discounts to lower premiums
- Residents can choose from various coverage options
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#1 – Geico: Top Overall Pick
Pros
- Competitive Rates: Geico is renowned for offering some of the cheapest car insurance in Ohio, appealing to budget-conscious drivers looking for affordable coverage options.
- User-Friendly Mobile App: Their app facilitates easy claims filing and policy management, enhancing convenience for policyholders who want cheap car insurance in Ohio.
- Wide Range of Discounts: From good student discounts to military discounts, Geico provides numerous ways to save. Explore further details on our Geico auto insurance review.
Cons
- Limited Coverage Options: While they excel in basic policies, Geico may offer fewer additional options despite the affordable car insurance in Ohio.
- Mixed Customer Service Reviews: Some customers report inconsistent experiences with customer service, which can be frustrating when resolving claims related to their cheap car insurance in Ohio.
#2 – American Family: Best for Flexible Coverage
Pros
- Comprehensive Coverage Options: American Family offers a wide range of coverage options, including unique add-ons like identity theft protection and car replacement coverage.
- Strong Customer Service: American Family is known for its excellent customer service ratings, which provides peace of mind for policyholders who want cheap car insurance in Ohio.
- Good Discounts for Bundling: The company offers significant savings for bundling multiple policies. Read our article “How to File an Car Insurance Claim With American Family Insurance Company“.
Cons
- Higher Average Premiums: American Family’s rates can be higher than some competitors, which might be a drawback for budget-conscious who focused solely on finding cheap car insurance in Ohio.
- Limited Availability in Some Regions: Their agent network may not be as extensive in certain areas, which could impact personalized service for policyholders.
#3 – Grange: Best for Regional Expertise
Pros
- Community-Focused Service: Grange Insurance emphasizes local agents and community involvement, which can be reassuring for policyholders seeking cheap car insurance in Ohio.
- Discounts for Safe Driving: Grange offers discounts for drivers with clean records, making it an appealing option for safe drivers looking for cheap car insurance in Ohio.
- Strong Financial Ratings: Grange has solid A.M. Best ratings, indicating reliability and stability. See more on our Grange review & ratings to learn more.
Cons
- Limited National Presence: Grange operates primarily in the Midwest, which may limit access for potential customers outside that region seeking cheap car insurance in Ohio.
- Fewer Coverage Options: Compared to larger insurers, Grange may not offer as extensive a range of coverage options, which could be a consideration.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#4 – State Farm: Best for Local Agents
Pros
- Personal Agent Availability: State Farm allows policyholders to work with a local agent, providing personalized service and guidance for choosing coverage that suits their needs.
- Unique Discounts: They offer various discounts, such as for safe driving, multiple vehicles, and even student drivers. Check out our State Farm insurance review & ratings for more information.
- Comprehensive Coverage Options: State Farm offers a range of policy add-ons, including roadside assistance and rental car reimbursement.
Cons
- Higher Base Rates: While they have discounts, State Farm’s initial rates may be higher than competitors, potentially making them less appealing.
- App Performance Issues: Some users have reported difficulties with their mobile app, which can be a hassle for tech-savvy drivers looking for seamless digital management.
#5 – Erie: Best for Customer Satisfaction
Pros
- Competitive Pricing: Erie is known for offering affordable rates, making it a strong contender for those specifically seeking cheap car insurance in Ohio.
- Excellent Customer Satisfaction Ratings: Erie consistently ranks high in customer service and claims satisfaction, providing policyholders peace of mind when managing cheap car insurance in Ohio.
- Unique Rate Lock Feature: Erie’s rate lock option allows customers to maintain their premium rate for a period. Learn More through our “Bundling Home and Auto Insurance With Erie.”
Cons
- Limited Availability: Erie is not available in all states, which may restrict options for customers in regions outside their service area looking for cheap car insurance in Ohio.
- Local Agent Reliance: While local agents provide personalized service, the quality of customer experience can vary based on individual agents.
#6 – The Hartford: Best for Experienced Drivers
Pros
- Excellent for Older Drivers: The Hartford is a prime choice for seniors seeking cheap car insurance in Ohio, as it offers special benefits and enhanced rental car coverage.
- AARP Member Benefits: They provide exclusive discounts for AARP members, making it an attractive option for older adults seeking affordable cheap car insurance in Ohio.
- Easy Online Management: Their user-friendly online platform allows customers to manage their policies efficiently, addressing the question, “Does The Hartford offer enhanced rental car coverage?“
Cons
- Limited Availability: The Hartford primarily serves AARP members, which may exclude potential customers looking for cheap car insurance in Ohio who do not qualify.
- Average Premiums for Young Drivers: Young and inexperienced drivers may find The Hartford’s premiums higher than other companies.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#7 – Progressive: Best for Competitive Rates
Pros
- Name Your Price Tool: This unique feature allows drivers to set their budget and receive quotes within that range, making it easier to find affordable coverage options.
- Snapshot Program: Progressive offers a usage-based program that tracks driving habits to provide potential discounts for safe driving.
- Extensive Coverage Options: They provide a wide variety of add-ons, such as pet injury coverage and custom parts coverage. Check our Progressive insurance review & ratings for further details.
Cons
- Complex Policy Structure: The variety of options and discounts can make the initial selection process overwhelming for some customers.
- Customer Service Variability: Customer service experiences can vary widely, leading to potential dissatisfaction for some policyholders who require support for their cheap car insurance in Ohio.
#8 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
- Extensive Customizable Coverage: Liberty Mutual allows drivers to tailor their coverage extensively, ensuring they can find a plan that meets their unique needs.
- Accident Forgiveness Option: They offer an accident forgiveness program that prevents rates from increasing after a first accident.
- Discounts for Multiple Vehicles: Liberty Mutual provides savings for insuring multiple vehicles. Look more on our Liberty Mutual auto insurance review.
Cons
- Complicated Policy Details: Some customers find the range of options and details overwhelming, which could complicate the decision-making process when looking for cheap car insurance in Ohio.
- Higher Base Rates: Liberty Mutual’s initial rates might be higher than those of some competitors, potentially making them less appealing to budget-conscious drivers.
#9 – Nationwide: Best for Vanishing Deductible
Pros
- Strong Financial Ratings: Nationwide boasts solid A.M. Best ratings, indicating strong financial health in fulfilling claims, which is reassuring for those investing in cheap car insurance in Ohio.
- Vanishing Deductible Option: Their unique program allows drivers to reduce their deductible over time with safe driving, making it appealing for drivers seeking affordable cheap car insurance in Ohio.
- Variety of Coverage Options: Nationwide provides a wide range of coverage options, allowing drivers to customize their policies according to their needs.
Cons
- Higher Premiums for Younger Drivers: Nationwide’s rates for younger, inexperienced drivers can be steep, which might deter this demographic from pursuing cheap car insurance in Ohio.
- Inconsistent Customer Service: Some customers have reported varying experiences with customer service. Check out our Nationwide car insurance review to see more.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#10 – Allstate: Best for Comprehensive Coverage
Pros
- Unique Rewards Program: Allstate offers a rewards program that incentivizes safe driving with points redeemable for various perks, appealing to conscientious drivers seeking cheap car insurance in Ohio.
- Comprehensive Online Resources: Their website provides a wealth of information and tools. See more in-depth information on our “How do I renew my car insurance policy with Allstate?” for more insights.
- Strong Claims Satisfaction Ratings: Allstate is known for its efficient claims process, ensuring that customers receive timely support during stressful situations.
Cons
- Higher Premiums: Allstate’s premiums can be on the higher side compared to other providers, which might deter cost-conscious consumers seeking the cheapest options for car insurance in Ohio.
- Limited Local Agents: In some areas, there may be fewer local agents available, which could impact personalized service for customers looking for assistance with their cheap car insurance in Ohio.
Understanding Car Insurance in Ohio
Car insurance, particularly the best full coverage car insurance, provides financial protection in case of accidents, theft, or damage to your vehicle. It also covers liability for injuries or damage caused to others while you are operating your vehicle, offering comprehensive protection for a wide range of potential risks.
Ohio Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $46 | $120 |
 | $24 | $62 |
| $28 | $68 |
| $22 | $59 |
| $25 | $70 |
| $41 | $106 |
| $44 | $114 |
| $33 | $85 |
| $27 | $69 |
| $29 | $79 |
In Ohio, it is mandatory to carry car insurance if you own a registered vehicle. When it comes to car insurance, it’s essential to understand the basics and Ohio’s specific requirements. Let’s dive deeper into the subject.
The Basics of Car Insurance
Car insurance is designed to protect you financially in the event of unexpected incidents related to your vehicle. It provides coverage for various scenarios, including accidents, theft, vandalism, fire, and natural disasters.
When you purchase car insurance for seniors, you pay a premium to the insurance company. In return, the company agrees to cover the costs associated with any covered damages or injuries up to the policy limits.
Car insurance policies typically consist of different types of coverage, including:
- Bodily Injury Liability: This coverage pays for medical expenses, lost wages, and legal fees if you injure someone in an accident.
- Property Damage Liability: This coverage pays for damages to someone else’s property caused by your vehicle.
- Collision Coverage: This coverage pays for damages to your vehicle resulting from a collision with another vehicle or object.
- Comprehensive Coverage: This coverage pays for damages to your vehicle caused by non-collision incidents, such as theft, vandalism, fire, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
Keep in mind that each coverage type has its own limits and deductibles, which determine how much the insurance company will pay and how much you’ll have to pay out of pocket.
Ohio’s Minimum Car Insurance Requirements
Ohio has specific minimum car insurance requirements that every driver must meet.
Ohio Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Akron | 10,000 | 8,500 |
| Cincinnati | 25,000 | 20,000 |
| Cleveland | 22,000 | 18,000 |
| Columbus | 35,000 | 28,000 |
| Toledo | 15,000 | 12,500 |
These requirements are in place to ensure that individuals have sufficient coverage to handle potential accidents or damages.
According to Ohio law, the minimum car insurance requirements are as follows:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident
- Uninsured/Underinsured Motorist Property Damage: $25,000 per accident
It is important to note that these are the minimum requirements set by the state. While meeting these requirements is mandatory, it is highly recommended to consider additional coverage options to protect yourself and your assets.
5 Most Common Auto Insurance Claims in Ohio| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-end Collisions | 29% | $3,500 |
| Side-impact Collisions | 22% | $4,200 |
| Single Vehicle Accidents | 18% | $5,000 |
| Weather-related Damage | 17% | $3,800 |
| Parked Car Damage | 14% | $1,200 |
By opting for higher coverage limits and additional types of coverage, such as full coverage auto insurance, you can ensure that you have adequate financial protection in case of an accident or other unforeseen events.
When choosing car insurance in Ohio, it’s essential to compare quotes from different insurance providers and carefully review the policy terms and conditions.
Understanding your coverage options and the associated costs will help you make an informed decision and select the policy that best suits your needs. Remember, car insurance is not just a legal requirement but also a crucial financial safety net. Enter your ZIP code now.
Factors Affecting Car Insurance Rates in Ohio
When it comes to car insurance rates in Ohio, several factors come into play. Understanding these factors, along with thoroughly reviewing insurance company reviews and ratings, can help you make informed decisions and potentially save money on your premiums.
Age and Driving Experience
One of the primary factors that insurance companies consider when determining your full coverage auto insurance rates is your age and driving experience. It’s no secret that younger drivers and those with less experience are often seen as higher risk by insurance providers.
Car Insurance Discounts From the Top Providers in Ohio| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Bonus, Multi-Policy, Accident Forgiveness, New Car Replacement |
| Teen Safe Driver, Multi-Policy, Defensive Driving, Loyalty Discount |
| First Accident Forgiveness, Multi-Policy, Safe Driver, Pay-in-Full |
| Defensive Driving, Multi-Policy, Good Driver, Military Discount |
| Multi-Policy, Good Driver, Safe Vehicle, Pay-in-Full Discount |
| Multi-Policy, Accident Forgiveness, New Car Replacement, Safe Driver |
| Vanishing Deductible®, Multi-Policy, Accident-Free, Bundling |
| Snapshot®, Multi-Policy, Continuous Insurance, Safe Driver |
| Drive Safe & Save™, Multi-Policy, Accident-Free, Good Student |
| Multi-Policy, Accident Forgiveness, AARP Member Discount, Safe Driver |
As a result, they may be charged higher premiums. However, as you gain more experience behind the wheel and maintain a clean driving record, your rates are likely to decrease gradually.
Moreover, insurance companies may also take into account the number of years you have been licensed. For example, a driver who has recently obtained their license may be considered riskier compared to someone who has been driving for several years without any accidents or traffic violations.
Driving Record and Claims History
Another significant factor that affects car insurance rates in Ohio is your driving record. Insurance companies carefully assess your history of traffic violations, accidents, and claims to determine the level of risk you pose as a driver.
Ohio Report Card: Auto Insurance Discounts| Discount Name | Grade | Savings (%) | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 20% | Allstate, Progressive, State Farm |
| Multi-car Discount | B | 15% | Geico, Nationwide, Farmers |
| Good Student Discount | A- | 10% | State Farm, Liberty Mutual |
| Anti-theft Device Discount | B+ | 7% | Progressive, Geico |
| Bundling Home & Auto | A | 25% | Nationwide, Allstate, Liberty Mutual |
For example, what happens if you get a DUI? Your insurance rates are likely to increase significantly, as a DUI is considered a major violation and indicates higher risk to insurers.
If you have a clean driving record with no traffic violations or accidents, you are more likely to enjoy lower insurance premiums. On the other hand, drivers with a history of multiple traffic violations or accidents may face higher insurance rates.
Vehicle Make and Model
Aside from personal factors, the make and model of your vehicle can also impact your car insurance rates. Insurance companies consider various aspects of your car, such as safety ratings and theft rates, when determining your premiums.
This is similar to the question, “can stores raise prices after items were purchased?”—just as pricing decisions are bound by specific terms, insurance rates are also calculated based on predefined factors like vehicle characteristics.
Ohio Report Card: Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Affordability | B | Average premium, slightly above national average in urban areas |
| Coverage Options | A- | Wide range of coverage options with flexibility for customization |
| Customer Satisfaction | B+ | High customer service in larger cities, but some variability |
| Claims Process | A | Efficient claims process and quick payouts from major insurers |
Cars with higher safety ratings and lower theft rates are generally viewed as less risky to insure. As a result, they often come with lower insurance premiums.
These vehicles are equipped with advanced safety features that can help prevent accidents and reduce the severity of injuries in the event of a collision. On the other hand, sports cars and luxury vehicles tend to have higher insurance rates.
This is primarily due to their higher repair costs and increased risk of theft. Repairing a luxury vehicle or replacing stolen parts can be significantly more expensive, leading to higher insurance premiums for these types of cars.
In conclusion, several factors influence car insurance rates in Ohio. Your age, driving experience, driving record, claims history, and the make and model of your vehicle all play a role in determining your premiums.
Kristen Gryglik Licensed Insurance Agent
By understanding these factors and taking steps to maintain a clean driving record, you can potentially save money on your car insurance in Ohio. Enter your ZIP code now.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What factors affect car insurance rates in Ohio?
Several factors can affect car insurance rates in Ohio, including your age, driving record, type of vehicle, coverage limits, and deductible amount.
How can I find cheap car insurance in Ohio?
To find cheap car insurance in Ohio, you can start by comparing quotes from multiple insurance companies.
Additionally, maintaining a clean driving record, bundling your policies, and opting for higher deductibles can help lower your premiums. Enter your ZIP code to compare your quotes now.
Are there any specific requirements for car insurance in Ohio?
Yes, Ohio requires all drivers to carry minimum liability insurance coverage, which includes personal liability insurance. The minimum requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.
Can I get car insurance in Ohio with a bad driving record?
Yes, even with a bad driving record, you can still get car insurance in Ohio. However, your premiums may be higher compared to drivers with clean records. Shopping around and comparing quotes from different insurance companies can help you find the best rates.
Does Ohio offer any discounts on car insurance?
Yes, Ohio provides various discounts on car insurance. Some common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for completing defensive driving courses.
It’s recommended to inquire about available discounts when obtaining insurance quotes. Start getting your quotes by entering your ZIP code.
What factors influence the cost of cheap car insurance in Ohio?
The cost of cheap car insurance in Ohio is influenced by several factors, including the driver’s age, driving history, type of vehicle, and location. Additionally, factors such as credit scores and the level of coverage chosen can also significantly impact premium rates.
If you’re unsure about how these factors might affect your specific situation, it’s wise to ask a lawyer for guidance on your insurance options and legal rights.
How can drivers improve their chances of qualifying for discounts on car insurance?
Drivers can improve their chances of qualifying for discounts on car insurance by maintaining a clean driving record and bundling policies with the same insurer. Other methods include taking defensive driving courses and being a member of certain organizations that offer affiliated discounts.
What types of coverage are typically included in a standard car insurance policy in Ohio?
A standard car insurance policy in Ohio typically includes liability coverage, which pays for damages to others if you are at fault in an accident, as well as collision and comprehensive coverage for your own vehicle.
Many policies also offer uninsured/underinsured motorist coverage and personal injury protection to cover medical expenses. Enter your ZIP code to compare quotes.
Are there any specific state regulations affecting car insurance rates in Ohio?
Ohio regulations require drivers to carry a minimum amount of liability insurance, which can affect overall insurance rates. Additionally, the state has specific laws regarding how insurers can assess risk and determine premiums, contributing to variations in costs.
For further information, you can explore small claims court links to each state to understand how legal proceedings may impact insurance claims in Ohio and beyond.
How does the claims process work for car insurance in Ohio?
The claims process for car insurance in Ohio generally begins with the policyholder contacting their insurance company to report the incident. After filing the claim, an adjuster will evaluate the damage and determine the compensation amount based on the policy coverage.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.