Cheapest Car Insurance in Ohio (2024)
State Farm is usually the best choice for car insurance in Ohio, whether for full-coverage (an average rate of $840 a year) or for liability car insurance (an average of $309 a year).
While USAA does have a cheaper rate for liability-only car insurance, it’s only available to current and former members of the military and their families.
Savings Tips
You can save around $500 a year by comparing full-coverage car insurance quotes in Ohio.
State Farm, Erie and Geico all offer liability-only policies under $550 a year on average.
Drivers in Columbus and Cleveland can pay $1,520 and $1,550 a year respectively for a full-coverage policy.
Cheapest full-coverage car insurance in Ohio: State Farm
If you’re an Ohio driver looking for full-coverage car insurance, State Farm likely has the cheapest rate, averaging $840 a year. Erie is the next lowest average rate, at $929 a year.
For comparison, the average annual rate for full coverage in Ohio is $1,329 a year.
Cheapest companies for full-coverage car insurance
| Company | Average annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $840 |  |
 | Erie | $929 |  |
 | Geico | $1,245 |  |
 | Progressive | $1,483 | |
 | Nationwide | $1,629 |  |
 | Grange | $1,638 | Not rated |
 | Allstate | $1,988 | |
 | USAA | $878 | |
*USAA is only offered to military members and veterans as well as their families
Full-coverage car insurance isn’t a policy type — it’s a combination of standard liability car insurance with collision and comprehensive coverage.
Collision coverage handles repair costs to your own car after an accident. Comprehensive coverage takes care of damages from reasons other than collision, such as if you hit an animal or due to a fallen tree branch.
While Ohio law does not require drivers to carry full coverage, your lender will probably demand it if you lease or rent a car.
Cheapest Ohio liability coverage: State Farm
State Farm has the most affordable liability car insurance in Ohio, with an average rate of $309 a year. Erie is the next cheapest at $318 a year.
The average rate for minimum-liability car insurance in Ohio is $532 a year.
Cheapest companies for liability car insurance
| Company | Average annual rate |
|---|---|
| State Farm | $309 |
| Erie | $318 |
| Geico | $520 |
| Grange | $570 |
| Progressive | $685 |
| Nationwide | $754 |
| Allstate | $827 |
| USAA* | $270 |
Liability car insurance handles court costs, medical expenses and repairs for others involved in an accident where you’re responsible.
Cheapest rates for young drivers in Ohio: Erie
For teen drivers in Ohio, Erie has the lowest minimum-coverage car insurance rate with an average of $866 a year. State Farm is the next-most-affordable choice for young drivers, at $1,065 a year.
The average rate of minimum-coverage car insurance for teens in Ohio is $1,688 a year.
Cheapest liability car insurance companies for young drivers
| Company | Average annual rate |
|---|---|
| Erie | $866 |
| State Farm | $1,065 |
| Geico | $1,536 |
| Grange | $2,088 |
| Progressive | $2,259 |
| Allstate | $2,380 |
| Nationwide | $2,690 |
| USAA* | $618 |
Teens pay the highest rates for car insurance of all age groups. Car insurance companies consider teens to be high risk due to their inexperience driving, and raise their rates to offset the potential loss.
One potential way for young drivers to save on their insurance is to join their parents’ policy.
Cheapest rates after a speeding ticket in Ohio: State Farm
If you have a speeding ticket or similar traffic violation in Ohio, State Farm has the cheapest rate for full-coverage car insurance, at $918 a year. Erie is the next cheapest at $1,011 a year.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| State Farm | $918 |
| Erie | $1,011 |
| Geico | $1,574 |
| Progressive | $1,880 |
| Nationwide | $2,002 |
| Grange | $2,344 |
| Allstate | $2,458 |
| USAA* | $1,102 |
In Ohio, a speeding ticket stays on your driving record for two years. You will probably see higher insurance rates during that time.
Cheapest rates after an accident in Ohio: State Farm
Ohio drivers with an at-fault accident on their record will probably get the lowest full-coverage rates from State Farm, with an average of $995 a year. Erie is the next least expensive, at $1,159 a year.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| State Farm | $995 |
| Erie | $1,159 |
| Grange | $1,999 |
| Progressive | $2,102 |
| Geico | $2,343 |
| Nationwide | $2,377 |
| Allstate | $3,167 |
| USAA* | $1,264 |
Best rates after a DUI in Ohio: Erie
Drivers in Ohio convicted of driving under the influence (DUI) — also known as operating a vehicle while impaired (OVI) — might find the cheapest full-coverage car insurance with Erie, at an average of $1,522 a year.
Progressive is generally the next-cheapest choice at $1,710 a year, on average.
Cheapest car insurance companies after a DUI
| Company | Average annual rate |
|---|---|
| Erie | $1,522 |
| Progressive | $1,710 |
| State Farm | $1,881 |
| Grange | $2,621 |
| Allstate | $2,715 |
| Geico | $2,718 |
| Nationwide | $3,019 |
| USAA* | $1,313 |
A DUI stays on your driving record in Ohio permanently. This will have an effect on your car insurance rates.
Best Ohio rates for bad credit: Geico
Ohio drivers with poor credit may find the lowest rates for full-coverage car insurance with Geico, at an average of $1,866 a year.
Grange has the second cheapest average among major insurers, at $2,072 a year.
Best car insurance companies for drivers with bad credit
| Company | Average annual rate |
|---|---|
| Geico | $1,866 |
| Grange | $2,072 |
| Erie | $2,117 |
| Progressive | $2,410 |
| Nationwide | $2,436 |
| Allstate | $3,223 |
| State Farm | $3,667 |
| USAA* | $1,532 |
Auto insurance companies see a link between credit scores and the chances of filing a claim. The thought is that if you have a lower credit score, you are more likely to file a claim.
This is a controversial subject that is still being debated, and credit-based insurance scoring has been limited or even prohibited in some states.
Ohio insurance rates by city
Of the state’s 25 largest cities, Elyria, OH, enjoys the lowest average full-coverage rate, at $1,249 a year.
Cleveland, meanwhile, has the most expensive average rate of $1,550.
Car insurance rates by city in Ohio
| City | Annual |
|---|---|
| Akron | $1,458 |
| Beavercreek | $1,291 |
| Canton | $1,369 |
| Cincinnati | $1,516 |
| Cleveland | $1,550 |
| Columbus | $1,520 |
| Cuyahoga Falls | $1,321 |
| Dayton | $1,404 |
| Delaware | $1,312 |
| Dublin | $1,342 |
| Elyria | $1,249 |
| Euclid | $1,466 |
| Hamilton | $1,415 |
| Kettering | $1,315 |
| Lakewood | $1,360 |
| Lorain | $1,267 |
| Mansfield | $1,258 |
| Mentor | $1,267 |
| Middletown | $1,351 |
| Newark | $1,356 |
| Parma | $1,289 |
| Springfield | $1,290 |
| Strongsville | $1,268 |
| Toledo | $1,521 |
| Youngstown | $1,483 |
Best and worst drivers in Ohio
However, some Ohio cities have better drivers than others.
Best drivers in Ohio
Ohio’s best drivers are in Mentor, based on driver incident rates. Driver incidents include citations, accidents and DUIs.
Mentor has an incident rate of 10.1 per 1,000 drivers. This is the lowest rate among Ohio’s cities. Newark has the next-lowest rate, at 10.8 incidents per 1,000 drivers. Mansfield is third with a 12.2 rate.
| City/town | Incidents per 1,000 drivers |
|---|---|
| Mentor | 10.1 |
| Newark | 10.8 |
| Mansfield | 12.2 |
| Euclid | 13.0 |
| Canton | 14.1 |
The average cost of car insurance in Mentor is 5% less than the state average. However, low driver incident rates do not always translate directly into lower rates for a city or town.
For example, Euclid has the fourth-lowest driver incident rate. In contrast, its insurance rates are 10% higher than the state average.
Worst drivers in Ohio
Beavercreek is home to Ohio’s worst drivers, thanks to its rate of 28.8 incidents per 1,000 drivers.
Delaware has the next-worst rate at 20.3 driver incidents per 1,000 residents, followed by Lakewood with a 19.8 rate.
| City/town | Incidents per 1,000 drivers |
|---|---|
| Beavercreek | 28.8 |
| Delaware | 20.3 |
| Lakewood | 19.8 |
| Hamilton | 18.2 |
| Dublin | 17.6 |
Despite its high driver incident rate, Beavercreek’s car insurance rates are 3% less than the state average. Car insurance rates are 6% higher than the state average in Hamilton, which has the state’s fourth-worst drivers.
Ohio’s worst drivers by age group
Gen Z are Ohio’s worst drivers age group, with an incident rate of 56.0 per 1,000 drivers. Baby boomers, on the other hand, are Ohio’s greatest generation of drivers, with 18.1 incidents per 1,000 drivers.
| Generation | Incidents per 1,000 drivers |
|---|---|
| Gen Z | 56.0 |
| Millennial | 30.3 |
| Gen X | 23.8 |
| Silent Generation | 18.5 |
| Boomer | 18.1 |
Limited driving experience is one of the main reasons why younger drivers have a higher incident rate. This also translates into higher insurance rates for young drivers.
Best drivers by vehicle make
Suzukis have the best drivers on Ohio’s roads by vehicle brand, also known as its make. Suzuki drivers are involved in 7.5 incidents per 1,000 drivers. This is less than half the rate of Saturn drivers, the next-best group.
Fewest incidents by vehicle make
| Pros | Cons |
|---|---|
Can make your travel plans a reality if you’re unable to save up in time Build credit with consistent payments Come with fixed monthly payments and a specific end date | Your vacation will cost more than it would if you saved up in advance It will likely take years to pay off your vacation It’s not a smart financial decision to take on debt for things you don’t need Missing payments will damage your credit score |
Worst drivers by vehicle make
Ram drivers have the worst incident rates among vehicle makes on Ohio’s roads. Rams are involved in 36.9 incidents per 1,000 drivers. This is more than four times higher than the rate of Suzuki drivers.
Subarus and Mazdas have the next-worst driver incident rates in Ohio.
Most incidents by vehicle make
| Make | Incidents per 1,000 drivers |
|---|---|
| Ram | 36.9 |
| Subaru | 32.4 |
| Mazda | 31.0 |
| Volkswagen | 30.2 |
| Mitsubishi | 29.4 |
Minimum coverage for car insurance in Ohio
Ohio’s required liability car insurance coverage limits are:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
To determine the best and worst drivers by city in Ohio, we calculated the numbers of driving incidents per 1,000 drivers in Ohio’s 25 biggest cities by population between Aug. 14, 2023, and Aug. 13, 2024.
The same process as above was used to determine the best and worst drivers by generation in Ohio, as well as the brand with the best and worst drivers.
To define generations, LendingTree analysts used the following ranges from Pew Research Center:
- Generation Z (born between 1997 and 2005: ages 19-27 in 2024 – we only include Gen Z adults
- Millennial (born between 1981 and 1996: ages 28-43 in 2024)
- Generation X (born between 1965 and 1980: ages 44-59 in 2024)
- Baby boomer (born between 1946 and 1964: ages 60-78 in 2024)
- Silent generation (born between 1928 and 1945: ages 79-96 in 2024)
*USAA is only available to current and former members of the military and their families.