Cheapest Car Insurance in Ohio

Cheapest for Full Coverage: Hastings Mutual

Full coverage refers to a policy that goes beyond the minimum state requirements. Because full coverage protects you in more situations, it costs more than minimum coverage.

Learn more about the cheapest full coverage car insurance in Ohio.  

Cheapest for Good Drivers: Erie

Erie has the cheapest car insurance for most good drivers in Ohio. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional discounts from their insurance company.  

Cheapest After a Ticket: Erie

After a speeding ticket, most drivers will see their insurance rates go up for 3-5 years. But each insurance company calculates rates differently, so you should always get multiple quotes to make sure you get the best deal.  

Cheapest for Drivers with One At-Fault Accident: Hastings Mutual

One at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you high-risk. Because of your higher rates, it is even more important to comparison shop.  

Cheapest for Drivers with Poor Credit: GEICO

A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.
   

Cheapest for Young Drivers: Erie

Young, inexperienced drivers pay more for car insurance because they have yet to prove themselves responsible behind the wheel. Young drivers are also statistically more likely to get into an accident than middle-aged drivers. As a result, most drivers will see their rates drop as they age.

Cheapest for Older Drivers: Erie

Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.

 

Cheapest for Drivers with a DUI: Erie

Drivers who have a DUI on their record typically experience much higher rates than drivers with a clean driving record or people with a history of less severe violations. A DUI usually affects your insurance rates for 3-10 years, but the violation itself may stay on your driving record for much longer than that.     

To identify the cheapest post-DUI insurance companies, WalletHub compared rates for a 45-year-old, single man, with minimum coverage, one DUI, and good credit across major insurers.

Cheapest Cities for Car Insurance in Ohio 

The table above reflects the average annual cost of car insurance in Ohio’s largest cities and towns.
 

Factors That Affect Car Insurance Premiums in Ohio

 

Recap: Cheapest Auto Insurance Companies in Ohio

The cheapest car insurance company in Ohio is Erie, which charges an average of $46 per month for state-minimum coverage. In addition to being the cheapest auto insurer for Ohioans overall, it is the cheapest option for a number of specific categories, such as good drivers and drivers with poor credit. 

For your convenience, we’ve summarized the cheapest companies overall below.
 

Cheapest Car Insurance in Ohio

• Erie: $46 per month
• State Farm: $51 per month
• GEICO: $51 per month
• Hastings Mutual: $52 per month
• Auto-Owners: $60 per month

How to Get Cheap Car Insurance in Ohio 

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Ohio, regional insurers like Westfield, Indiana Farm Bureau, and Erie Insurance might have lower rates than national companies like State Farm and GEICO and have comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Ohio

Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Ohio, companies can also consider your age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.
 

3. Choose coverage that is right for you

You need liability insurance to pay for the other driver’s damages if you’re at fault in an accident in Ohio. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too.

Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
 

4. Search for discounts

Top car insurance companies in Ohio have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more.
 

5. Stay in less expensive ZIP codes

Car insurance prices can vary a lot based on ZIP code in Ohio. On average, drivers in the most expensive parts of Ohio spend over $500 more per year on car insurance than those living in the least expensive areas.
 

6. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even if you don’t own a car. Ohio drivers who don’t maintain continuous coverage pay an average of 9% more than those with five or more years of insurance history.

Video: Cheap Auto Insurance in Ohio

 

 

Methodology for Selecting the Cheapest Auto Insurance in OH

WalletHub's analysis of cheap car insurance companies in Ohio is based on data from the Ohio DMV and Quadrant Information Services. Together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Ohio drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Ohio car insurance companies by averaging premiums from 45 ZIP codes that represent at least 20% of Ohio's population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.