Best Car Insurance in Ohio for 2025 [Top 10 Companies Ranked] Car Insurance Guide (Cheap Rates + Best Companies)

State Farm, Geico, and Progressive are the three best car insurance companies in Ohio, providing the best coverage options for drivers in the area.

State Farm is praised for excellent customer service, Geico is famous for offering low rates and numerous discounts, and Progressive is known for its high customer satisfaction ratings and unique Snapshot program.

Our Top 10 Company Picks: Best Car Insurance in Ohio

Drivers need to understand the requirements for auto insurance in Ohio, which include necessary bodily injury and property damage coverage and penalties for driving uninsured. Compare quotes today using our free comparison tool to find the best insurance companies in Ohio.

#1 – State Farm: Top Overall Pick

Pros

• Quick Response Customer Support: State Farm’s responsive customer service ensures that Ohio drivers with policy concerns won’t worry about long wait times.
• Low Premium Policy Rates: State Farm is one of many top providers offering affordable coverage for all customers. Discover further insights in our State Farm car insurance review.
• Safe Driving Discounts for Good Drivers: Promotes relatively significant discounts for Ohio drivers with a clean driving history.

Cons

• Expensive Rates for DUI Records: Factors like DUI can affect insurance rates, especially for drivers with the said record.
• Few Digital App Features: This can be a drawback for Ohio customers who prefer using mobile tools for policy management.

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#2 – Geico: Best for Affordable Coverage

Pros

• Low-Cost Coverage Prices: Geico is one of the few providers offering the lowest rates in Ohio. View our Geico car insurance review for more comprehensive information.
• Earn with Discounts: Ohio customers can save by bundling discounts like auto and home insurance for up to %20.
• User-Friendly Mobile App: Tech-savvy Ohio drivers can enjoy Geico’s digital app because of its feature-friendly tools.

Cons

• Few Available Coverage Selection: Geico has few coverage options compared to other providers.
• Expensive Prices for High-Risk Drivers: Drivers with a DUI history may suffer from paying costly rates.

#3 – Progressive: Best for Flexible Policies

Pros

• Snapshot Program: Progressive prioritizes safe driving by offering discounts for Ohio drivers who maintain good on-the-road habits.
• Multiple Coverage Choices: Offers gap insurance and roadside assistance for Ohio drivers, avoiding future financial problems.
• Top Satisfaction Rates: Progressive is reported to have an A+ superior rating from A.M Best. For further details, check our Progressive car insurance review.

Cons

• Expensive Rates for Drivers with DUI History: Customers with a DUI record may face higher prices than drivers with a clean record.
• Snapshot Program Not-for Everyone: Some drivers may be uncomfortable with Progressive’s real-time tracking when on the road.

#4 – USAA: Best for Military Affiliates

Pros

• Affordable Rates for Military Members: Military-affiliated Ohio residents may benefit from USAA’s exclusive offer.
• Excellent Claims Process: Military families may benefit from swift and reliable claims service from USAA. Seek out more information in our USAA car insurance review.
• Top Rated Customer Satisfaction: USAA has a strong financial rating from A.M. Best, with an A++ and excellent customer support.

Cons

• Limited Eligibility for Non-Affiliates: USAA is exclusive to military members, their families, and veterans residents in Ohio
• High Premiums for Riskier Drivers: Rates skyrocket for drivers with a history of DUI or poor driving habits.

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#5 – Nationwide: Best for Customizable Plans

Pros

• Tailor-fit Plans: Offers customizable plan options like roadside assistance and new car replacements for residents of Ohio.
• Hefty Discounts for Bundling: Ohio drivers can get discounts and earn up to 20% savings for merging auto insurance with other policies.
• Earn with SmartRide: Rewards drivers in Ohio for driving safely. To learn more, consult our Nationwide car insurance review.

Cons

• Elevated Premiums for Bad Credit: Ohio customers with poor or bad credit standing may pay slightly higher rates than customers with good credit scores.
• Few Expert Agents: Some Ohio residents who want in-person service may struggle to find local agent experts around the area.

#6 – Allstate: Best for New Drivers

Pros

• Accident Forgiveness Benefit: Ohio drivers can enjoy no premium increases when involved in a vehicle accident.
• Save up to 25%: Drivers in Ohio can get a hefty amount of savings from discounts by Allstate. Review our Allstate car insurance review for in-depth insights.
• Incredible Support for Newbies: New and young customers in Ohio can find Allstate’s resources helpful for first-time drivers.

Cons

• Higher Prices for Young Motorists: Premium coverage rates are expensive for young drivers in Ohio due to zero-based experience on the road.
• Limited Discounts for High-Risk Drivers: Drivers in Ohio with a DUI history may face expensive coverage premiums.

#7 – Farmers: Best for Comprehensive Coverage

Pros

• Broad Options for Coverage: Farmer’s offers coverage even for Ohio drivers with high-end or luxury cars. Look into our Farmers car insurance review for more details.
• Get Savings with Discounts: Ohio policyholders can avail of a 20% maximum discount for bundling policies.
• Impressive Claims Handling: Farmers’ has one of the most reliable claims process services for Ohio drivers.

Cons

• Expensive Rates for Young Drivers: Farmer’s premium rates can be expensive for drivers without experience and young drivers.
• Limited Mobile App Features: Farmer’s mobile app may be too basic for tech-savvy drivers who want a feature-full and convenient digital app.

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#8 – Liberty Mutual: Best for Policy Bundles

Pros

• Get up to 25% Savings with Discounts: Liberty Mutual offers customers a whopping 25% discount on driver’s bundling home and auto insurance.
• Great Options for Coverage: Ohio residents can add add-ons like accident forgiveness and new car replacements to their policy.
• Convenient and Flexi-Payment Plans: Liberty Mutual offers a payment feature that allows Ohio drivers to set auto-debit arrangements.

Cons

• Expensive Prices for DUIs: Drivers in Ohio with DUI records or violations face costly coverage rates. For extra insights, read our Liberty Mutual car insurance review.
• Reported Delays in Client Support: A few customers reported slow claim handling from Liberty Mutual.

#9 – American Family: Best for Teen Drivers

Pros

• Big Discount for Young Drivers: American Family offers young drivers in Ohio as much as a 25% discount.
• Rewards Safe-Driving Habits: Ohio residents can earn significant savings with the American Family’s safe-driving program.

Cons:

• Higher Premiums for DUIs: Rates are higher for drivers with DUIs or accidents on record. Learn more by reviewing our American Family car insurance review.
• Limited Local Agent Availability: American Family customer reports fewer local agents in some parts of Ohio.

#10 – Travelers: Best for Extra Protection

Pros

• Extra Protection Options: Provides add-ons like identity theft protection and roadside assistance.
• Save More with Discounts: Significant savings when bundling auto with other policies. Browse our Travelers car insurance review for further information.
• Wide Options of Coverage: Travelers offers Ohio residents broad coverage options, including collision and liability coverage.

Cons

• Higher Rates for Drivers with DUIs: Premiums may increase for those with DUIs or poor driving history.
• Limited Discounts for New Drivers: Fewer specific discounts are available for new or young drivers in Ohio.

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Ohio Car Insurance Monthly Rates by Provider & Coverage

When looking for the best car insurance in Ohio, understanding what type of coverage you need for a vehicle is relevant. Knowing which option is best protects you from future problems and financial burdens.

Ohio Car Insurance Monthly Rates by Provider & Coverage Level

The table above indicates the rates of coverage from our top cherry-picked providers. There’s no reason finding cheap car insurance in Ohio should be hard. Compare rates today and get quotes from top auto insurance companies in Ohio that suit your lifestyle.

Car Insurance Discounts From the Top Providers in Ohio

Evaluating what you need to know when buying a car insurance in Ohio is essential because prices vary depending on your auto insurance and lifestyle.

Car Insurance Discounts From the Top Providers in Ohio

We have gathered data for discounts provided by the best auto insurance in Ohio for your reference. Take advantage of these discounts, talk to your expert local agent, and get the cheapest Ohio car insurance that fits your budget and needs.

Minimum Car Insurance Coverage Requirements in Ohio

If you own a vehicle and drive in Ohio, you must have insurance or proof of financial responsibility. Financial responsibility is the duty to be able to pay for a loss in the event of a claim. Carrying an insurance policy is the most common form of financial responsibility.

If you obtain an insurance policy, you are required to carry at least the minimum limits. Minimum limits in Ohio are as follows:

Minimum Car Insurance Coverage Requirements in Ohio

Liability limits payout when you are found at fault. Liability pays out for the damages and injury you are held liable. So this coverage pays out for the OTHER party involved who was found not at fault.

Remember, these limits are the minimum required amount needed to be legal on the road. It is wise to buy more insurance because if you are in an accident once your limits have been exhausted you could be held liable for the remaining amount. If your car is totaled or you have medical bills, liability insurance also won’t cover your losses. While some people may want to rely on their health insurance, it could come with high deductibles. Some health insurance companies also specifically exclude coverage for auto accident related injuries.

If you were in a serious accident involving the luxury cars Ohio drivers prefer, you would need a lot more coverage than the minimum requirements.

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Forms of Financial Responsibility in Ohio

Insurance policy is one form of financial responsibility, but what are other ways? Ohio insurance website has the following listed on their website:

Ohio law allows for the following alternatives to automobile insurance:

• A certificate issued by the BMV, after proper application and approval, indicating that money or government bonds in the amount of $30,000 is on deposit with the Ohio Treasurer
• A certificate of bond issued by the BMV, after proper application and approval, in the amount of $30,000 signed by two (2) individuals who own real estate having equity of at least $60,000
• A certificate of self-insurance issued by the BMV, after proper application and approval, to those with more than 25 motor vehicles registered in their name or a company’s name
• A $30,000 bond issued by an authorized surety or insurance company You must show proof of an insurance policy, whether an ID card or electronic card on your smart device. If you chose to have a certificate, you must show that certificate.

You must show the above-mentioned proof at any traffic stop or court appearance. Out of Ohio drivers, 15 percent drive with no insurance.

If you chose to drive without insurance, you could face serious penalties both from the state and insurance companies when you get insured. This is true even if you previously had a clean driving record. We will discuss those more under the Ohio state law section.

Household Percentage of Income are Insurance Premiums in Ohio

So how much is insurance can take out of your paycheck? In Ohio, car insurance takes up a small percentage of disposable income. From 2020 to 2024, full coverage insurance remained at $118.08 per month.

Ohio Income Percentage

However, as disposable income increased, the percentage spent on insurance dropped from 2.35% in 2020 to 1.92% in 2023 and 2024. This means Ohio drivers are spending less of their income on car insurance over time.

The state of Ohio a less percentage for insurance than the average United States driver.

Average Monthly Car Insurance Rates in OH (Liability, Collision, Comprehensive)

We know to drive legally you must minimum required liability limits. A lot of drivers also chose to have collision and comprehensive coverages as well. If you chose to have all three coverages, it is considered to be combined coverage or full coverage. This is typically required if you lease or finance a vehicle.

Comprehensive and collision are coverages used to protect your vehicle. If you have a lien on your car and making payments, most lienholders require this coverage since it covers the car. Some will even set a certain deductible limit you must have. It’s wise for most people to have more comprehensive coverage.

Core Car Insurance Coverage in Ohio

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Additional Coverage Monthly Car Insurance Rates in Ohio

Additional liability coverages are available to add to your policy.

Medical payments is a coverage used to pay for medical bills or funeral bills for anyone in the vehicle at the time of the loss. Uninsured and underinsured motorist coverage are just as they sound. They are coverages you can use if you are involved in an accident that the other person does not have any or enough coverage.

Ohio is ranked 22 out of all the states for uninsured drivers. Due to this fact, drivers in Ohio should strongly consider purchases underinsured and uninsured motorist coverage.

Loss Ratios in Ohio

Loss ratio is a good indicator of whether or not an insurance company is financially stable. Loss ratio simply means the ratio between premium earned and premium paid out for claims. So, if a company has a 50 percent loss ratio, that means they received $100,000 in premiums and paid $50,000 out in claims.

If your ratio is too high, this means the company is not making money. If too low, they may have overpriced their policies. In the event of a loss, you want a stable company that is able to pay out for your covered loss.

List of Add-ons, Endorsements, and Riders in Ohio

There are many additional coverages you can add to your auto policy. We have taken a list of the most common. Always look over available coverages and speak to an agent about what coverages you may need.

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

Factors Influencing Ohio Car Insurance Monthly Rates

Plenty of factors can affect your car insurance rates in Ohio, such as your age, gender, marital status, and so on. These elements play a major role in determining how much your rates would be when you apply for car insurance in Ohio.

It’s essential to get quotes from car insurance companies in Ohio that provide complete protection and coverage. Many providers offer broad coverage with affordable rates for your unique car insurance needs, like State Farm Geico and Progressive, which provide comprehensive, flexible policies at an affordable rate.

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Average Monthly Car Insurance Rates by Age & Gender in OH

The average cost of car insurance in Ohio can vary on the type of customer and their needs. Factors like age and gender can also affect Ohio car insurance rates for drivers.

So, who pays more for insurance? Most people, especially parents, know young drivers cost the most.

Demographic Rates in Ohio

That’s why it’s advisable to check your area for car insurance providers that offer new driver discounts to find a cheaper option for young drivers or get your parents’ providers to add you to their policy to get discounts and earn savings.

Cheapest Monthly Rates by Zip Code in Ohio

Elements like ZIP code and other factors like crime rates, traffic density, and local repair costs influence Ohio car insurance rates. Expensive, high-risk areas pay the most in premiums, and lower-risk regions get lower rates. Take a look below and see where your zip code lands on the lists.

Most Expensive Zip Codes in Ohio

Least Expensive Zip Codes in Ohio

To get the cheapest car insurance in Ohio, compare coverage rates from different providers in your state, take advantage of available discounts, and bundle policies to earn more savings.

Cheapest Monthly Rates by City in OH

We have also taken that information and broken it down by city.

Most Expensive Cities in Ohio

Least Expensive Cities in Ohio

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Best Car Insurance Companies in Ohio

You know you need insurance, now where do you get it? In this next section, we are going to take a look at the insurance providers that do business in Ohio.

When you do a google search for insurance companies in any state you get a lengthy list of various companies. How do you really know which one will work for you and your needs? We are going to see which companies are better for certain rating factors and which ones have the best financial and customer satisfaction ratings.

Top insurance providers like State Farm, Geico, and Progressive offer the best car insurance in Ohio. With various coverage options, a long list of add-ons for customizable policies, and experienced local agents, Ohio residents can get a quote from these providers by simply searching on Google.

Credit History Monthly Rates by Companies in OH

Your credit history is a major factor when obtaining rates for insurance. Most consumers think credit history follows you for larger purchases, like a home or car.

Car Insurance Monthly Rates in Ohio by Provider & Driving Record

The average Ohio resident has a credit score of 678, which is considered a prime credit score.

As you can tell from the table above, poor credit history can cost you thousands in insurance premiums. Ohio drivers can contact their local experts or brokers to find auto insurance tailored to their lifestyle and budget.

Driving Record Monthly Rates by Companies in Ohio

Driving record is probably the most obvious factor that affect your insurance rate. Driving safe and cautiously is your best precaution against moving violations on your record. Unfortunately, accidents happen or you are in a rush and go over the speed limit.

Take a look below to see just how much that speeding ticket costs you.

Car Insurance Monthly Rates in Ohio by Credit Score

A DUI conviction will definitely cost you, not only in your insurance premium but with fines and penalties that we will cover as you continue to read. Read more of our Ohio auto insurance guide and learn which coverage is best for you and your vehicle type.

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Automobile Insurance Fraud in Ohio

Insurance fraud is a growing and costly problem. The Insurance Information Institute states workers comp, healthcare, and auto insurance are the most susceptible to fraud.

Fraud can be separated into two different categories, soft and hard. Soft fraud is usually considered a misrepresentation of facts or adding extra costs to an existing claim. While hard fraud is a purposefully makes up a claim with no validity.

Fraud is a serious crime and should be reported to the Ohio Insurance Department.

Vehicle Theft in Ohio

Have you ever walked to your car just to find that it wasn’t there? Hyundai Elantra seem to be the hot choice of car thefts in Ohio.

Vehicles Thefts in Ohio by Makes & Models

We also took a look at each city in Ohio and how many car thefts occur.

Vehicle Thefts in Ohio by City

It’s best to get quotes from your local expert and get cheap car insurance in Ohio so you can rest assured that whatever happens to the vehicle you use, you are safe and protected because you know what car insurance covers, avoiding potential financial burdens.

How to Get Low-Cost Insurance

Knowing what factors affect your car premium rates is one way to lower costs for the best Ohio car insurance company. These elements greatly affect the initial rate of your car insurance prices. Learning how to take advantage of this information can help you get the best car insurance in Ohio.

Luckily, you can enter your ZIP code below to see if you are getting the best Ohio car insurance rates.