Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.
Are you looking for the best car insurance in Ohio?
We looked at the estimated rates of car insurance in the state, and calculated the average cost and the lowest-priced insurers for various driver profiles.
To accurately compare rates, we used a fairly neutral driver profile (no tickets, accidents, or claims) except where otherwise noted. Your driving record and other factors can affect your car insurance rates. Rates may be higher or lower depending on your driving habits.
Continue reading to find out about Ohio’s average car-insurance rates. We also have some recommendations for the best deals.
Ohio car insurance rates
The average monthly premium for Ohio car insurance is just below $35. It can go up to the mid-$70s depending on what coverage you choose and who you are.
Ohio’s average monthly auto insurance premiums
|
Driver and coverage |
Avg. Monthly cost |
|---|---|
| Ohio’s minimum state-required car insurance | $34.21 |
| Ohio drivers with bad credit | $55.83 |
| Multiple claims drivers in Ohio | $76.20 |
| Young drivers in Ohio | $57.30 |
Based upon our standard driver profile, minimum coverage, and unless otherwise noted
Ohio’s cheapest car insurance companies
Continue reading to find out more about five companies offering minimum coverage car insurance for Ohio drivers. Our Ohio driver profile has a credit score of 680-719, has no tickets or coverage gaps, and is between 36-45 years old. We also have a car that’s worth $20,000-$30,000. (See full methodology for more details and be aware that rates may differ). We also considered other factors such as young drivers and drivers with multiple claims, to determine the best insurance companies.
1. Buckeye Insurance Group
Buckeye Insurance Group is the cheapest Ohio car insurer. It offers basic car insurance starting at $18.21 per monthly. Headquartered in Piqua, Ohio, Buckeye offers bodily injury, property damage, medical payments, uninsured/underinsured motorist and comprehensive and collision coverage through independent agents.
2. Hastings Mutual Insurance Co.
For as low as $18.58 per monthly, our Ohio driver profile could get car insurance from Hastings Mutual Insurance. This is minimum coverage. Drivers can choose to have comprehensive coverage from Hastings Mutual that includes roadside assistance, multiprotection for rental vehicles, pet injuries, key replacement and identity theft protection.
3. Erie
Erie could help Ohio drivers find affordable car insurance rates starting at $21 per month for basic coverage. Erie offers insurance through more than 13,000 agents. Erie also offers a rate lock program that allows drivers to keep the same rate for their car coverage every year regardless of whether they add, change, or remove a vehicle, driver, or address.
Review Erie auto insurance.
4. Geico
Geico could offer car insurance for Ohio drivers starting at $24.66 per month. This is minimum coverage. Geico offers drivers a variety of coverage options, deep discounts, and a robust mobile application that allows you to manage your policy, request roadside assistance, and get a repair estimate all from your smartphone in just 20 minutes.
See reviews about Geico auto insurance.
5. USAA
Basic-coverage car insurance rates could be as low as $25.17 per monthly for Ohio drivers who are USAA members. Drivers must be U.S. military members, veterans, pre-commissioned officers, spouses, or children of USAA members to qualify for USAA insurance. USAA members have access to all standard coverage options, as well as helpful discounts such as good grades and safe driving.
Review USAA auto insurance.
The cheapest state-minimum car coverage in Ohio
You can save money on your car insurance premium by reducing the coverage you have on your vehicle. The minimum coverage required by the state, also known as liability-only coverage or coverage that covers your vehicle only if you are unable to drive legally in the state, is called state-minimum coverage.
These are the five most affordable car insurance companies in Ohio for Ohio residents looking for minimum coverage.
Ohio’s cheapest car insurance companies for state-minimum coverage
|
1 |
Buckeye Insurance Group |
$18.21/month |
|
2 |
Hastings Mutual Insurance |
$18.58/month |
|
3 |
Erie |
$21.00/month |
|
4 |
Geico |
$24.66/month |
|
5 |
USAA |
$25.17/month |
Based upon our standard driver profile, seeking minimum coverage for Ohio
Best car insurance for people with good credit in Ohio
Credit is one factor that can affect your auto insurance score and monthly premium. Your monthly premiums will drop if you have a good credit score.
These are the five companies offering the lowest basic-coverage insurance for Ohio drivers with excellent credit ratings.
Ohio’s cheapest car insurance for people with good credit
|
1 |
Buckeye Insurance Group |
$12.83/month |
|
2 |
Erie |
$16.11/month |
|
3 |
Hastings Mutual Insurance |
$16.50/month |
|
4 |
Auto-Owners Insurance |
$19.39/month |
|
5 |
USAA |
$22.01/month |
Based upon our standard driver profile, modified to show basic-coverage rates in Ohio for a driver with a credit score greater than 720
Lowest car insurance for people with poor credit in Ohio
Poor credit scores can lead to significant increases in your insurance rates. However, there are many factors that can lower your insurance costs, such as your driving record and behavior.
These five companies provide the lowest car minimum-coverage insurance to drivers with bad credit.
Ohio’s cheapest car insurance for people with bad credit
|
1 |
Hastings Mutual Insurance |
$29.50/month |
|
2 |
Geico |
$31.92/month |
|
3 |
Allied |
$40.06/month |
|
4 |
USAA |
$43.73/month |
|
5 |
Buckeye Insurance Group |
$45.46/month |
Based upon our standard driver profile, adjusted so that minimum-coverage rates are displayed for Ohio drivers with a credit score of less than 580
Lowest car insurance in Ohio for multiple claims
Are you a victim of multiple accidents? This type of claim history could also increase your insurance rate.
These are the best basic-coverage options for drivers who have multiple claims.
5 Best Car Insurance Companies in Ohio for Multiple Claims
|
1 |
Buckeye Insurance Group |
$24.67/month |
|
2 |
Hastings Mutual Insurance |
$30.67/month |
|
3 |
Central Mutual Insurance |
$32.58/month |
|
4 |
American Family |
$46.25/month |
|
5 |
State Farm |
$48.46/month |
Based upon our standard driver profile, modified to show basic-coverage rates in Ohio for a driver with two claims instead
Cheapest auto insurance for young drivers in Ohio
Your age could also impact the cost of your car insurance. Car insurance costs are generally higher for younger drivers.
The following insurers might offer minimum coverage at the lowest rates to drivers aged 18-21:
Top 5 Best Ohio Car Insurance Companies for Young Drivers
|
1 |
Buckeye Insurance Group |
$33.71/month |
|
2 |
Geico |
$36.26/month |
|
3 |
Erie |
$36.67/month |
|
4 |
Hastings Mutual Insurance |
$40.17/month |
|
5 |
USAA |
$42.10/month |
Based upon our standard driver profile, modified to show basic-coverage rates to an Ohio driver aged 18-21 instead of 36 to 45
Ohio auto insurance requirements
Ohio law requires all drivers to have insurance. Ohio law requires that all drivers have insurance. This includes $25,000 per person, $50,000 per accident for bodily injuries or death, and $25,000 for property damage. Your lender might have additional requirements if you lease your car.
Ohio has usage-based insurance.
A type of vehicle insurance that is based on driving habits, usage-based insurance allows customers to pay premiums. Ohio drivers may be eligible to take part in usage-based insurance programs that track their safe driving habits and help them save money on their insurance.
FAQs regarding the lowest car insurance rates in Ohio
Which insurance company offers the lowest rates for car insurance in Ohio?
Our study shows that Buckeye Insurance Group offers the lowest rates on car insurance for many different drivers.
What is the monthly cost of Ohio car insurance?
The monthly premiums for basic Ohio car insurance range from less than $35 to the mid-$70s depending on what coverage is required and the driver’s needs. Rates may vary depending on your individual circumstances.
What’s the average Ohio cost for minimum auto insurance?
The five lowest-priced insurers offering Ohio state-minimum insurance charged $18 to $25, according to our research. Rates may differ.
Methodology
Based on an Ohio driver aged 36-45, the estimated rates shown in this article represent the lowest rates for basic coverage. The rates shown assume that there is only one driver on the policy, with no driving tickets and no coverage lapses. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and has an annual value between $20,000 to $30,000 Rates for insurance for good credit are based on scores of 720 and higher. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those between 18 and 21 years old. Multiple claims can lead to multiple rates.
Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and should not be used as a comparison. Rates can vary depending on many factors such as your age, driving habits, and past.
The average monthly premium for full-coverage car insurance covers bodily injury, property damages, personal injury protection, collision, and comprehensive coverages. The Ohio-mandated 25/50/25insurance policy is included in the average monthly premium for minimum car insurance.