Cheapest car insurance in Ohio 2024

Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.

Looking for the cheapest car insurance in Ohio?

We looked at estimated rates for car insurance in the state and calculated the average cost as well as insurers offering the lowest rates for car insurance for several driver profiles.

Unless otherwise noted, we based our calculations on a relatively neutral driver profile — no tickets, accidents or claims, for example — to accurately compare rates (see our full methodology). The rates you see may be higher or lower given not only your individual driving history but other factors that affect car insurance like your age, mileage, vehicle type and coverage options.

Read on to learn about Ohio’s average car insurance rates and our findings for the cheapest options.

• Cost of car insurance in Ohio
• 5 cheapest car insurance companies in Ohio
• Cheapest state-minimum car insurance in Ohio
• Cheapest car insurance for good credit in Ohio
• Cheapest car insurance for poor credit in Ohio
• Cheapest car insurance for drivers with multiple claims in Ohio
• Cheapest car insurance for young drivers in Ohio
• Ohio auto insurance requirements
• Is usage-based insurance available in Ohio?
• FAQs about the cheapest car insurance rates in Ohio
• Methodology

Cost of car insurance in Ohio

Average monthly premiums for car insurance in Ohio range from about $36 up into the low-$70s, depending on type of coverage and driver profile.

Average monthly auto insurance premiums in Ohio

5 cheapest car insurance companies in Ohio

Read on to learn more about the five companies that offer the cheapest minimum-coverage car insurance for our Ohio driver. Unless otherwise noted, our Ohio driver profile has a credit score between 680 and 719, no tickets or coverage gaps, is between 36 and 45 years old and has a car worth $20,000 to $30,000 (see full methodology for more information and note that your rates could be different). We also looked at the cheapest insurers based on other profiles like young drivers, drivers with different credit outlooks, multiple claims and various coverage options.

1. Hastings Mutual Insurance Co.

Founded over a century ago, Hastings Mutual offers car insurance policies to customers in six Midwestern states. With Hastings Mutual, drivers can get a comprehensive plan with additional features such as roadside assistance, “multiprotection” for things like rental vehicles, pet injuries or key replacement and free identity theft protection.

2. Central Mutual Insurance Co.

Founded in 1876, Central Mutual Insurance offers policies through local agents and offers optional coverage options such as medical payments, uninsured motorist, collision and comprehensive coverage. Its different policy tiers offer different combinations of extra coverages, but all Central car insurance policies come with roadside assistance.

3. Buckeye Insurance Group

Headquartered in Piqua, Ohio, Buckeye offers bodily injury, property damage, medical payments, uninsured/underinsured motorist, comprehensive and collision coverage through independent agents in Ohio, Kansas and Indiana.

4. Erie

Founded in 1925, Erie Insurance includes automatic extras such as windshield repair and pet injury coverage, which will help cover vet treatment costs by reimbursing you up to $500 per pet (or $1,000 total) for pets injured in your vehicle in an accident. Standout options include new car replacement coverage, which gives you the true replacement value of your vehicle if it’s totaled. Read reviews of Erie to learn more.

5. Celina Insurance Group

Celina Insurance Group was founded in 1914 and offers car, home, business and farm coverage in a few states. The company has specific programs for teens and those with above-average driving records. Celina also offers discounts for safe driving and optional add-ons like first accident forgiveness and roadside assistance.

Cheapest state-minimum car insurance in Ohio

One way to save money on your car insurance premium is to lower the amount of coverage on your vehicle. State-minimum coverage, sometimes called liability-only coverage, is the most basic kind of coverage you can carry to still legally drive your car in the state.

Here are the five cheapest car insurance companies for Ohio drivers looking for state-minimum coverage.

5 cheapest car insurance companies in Ohio for state-minimum coverage

Cheapest car insurance for good credit in Ohio

Your credit is one of the factors that can impact your credit-based auto insurance score, and your monthly premium. In general, the better your credit scores, the lower your monthly costs will be.

Here are the five companies that offer the cheapest basic-coverage car insurance for Ohio drivers with good credit scores.

5 cheapest car insurance companies in Ohio for those with good credit

Cheapest car insurance for poor credit in Ohio

Unfortunately, having poor credit scores can significantly raise your insurance rates. But there are other factors, like your driving history and behaviors, that can help lower costs.

These five companies offer the cheapest car minimum-coverage insurance for drivers with poor credit.

5 cheapest car insurance companies in Ohio for those with poor credit

Cheapest car insurance for drivers with multiple claims in Ohio

Have you had multiple accidents or made multiple claims in the last few years? That kind of claims history can also raise your insurance rate.

Here are the cheapest basic-coverage picks for drivers with multiple claims.

5 cheapest car insurance companies in Ohio for multiple claims

Cheapest car insurance for young drivers in Ohio

Finally, your age may also play a role in determining your car insurance costs. In general, younger drivers pay a bit more for car insurance.

For drivers between the ages of 18 and 21, the following insurers may offer the lowest rates for minimum coverage.

5 cheapest car insurance companies in Ohio for young drivers

Ohio auto insurance requirements

All drivers must carry insurance in Ohio. Ohio law requires $25,000 per person and $50,000 per accident for bodily injury or death as well as $25,000 for property damage in an accident. If you are leasing your car, your lender may have additional coverage requirements.

Is usage-based insurance available in Ohio?

Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Drivers in Ohio may be able to participate in usage-based insurance programs to track their safe driving and save money on their insurance.

FAQs about the cheapest car insurance rates in Ohio

Methodology

The estimated rates in this article are the lowest estimated rates for basic coverage based on the profile of a driver age 36 to 45 living in Ohio. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.

Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on a range of factors, such as your age, vehicle driving habits and history.

Average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Average monthly premium for state-minimum car insurance includes Ohio-mandated 25/50/25 insurance policy.