The Cheapest Auto Insurance Companies in Ohio in 2026
State Farm offers the cheapest coverage for Ohio drivers, averaging 44 per month for liability coverage.
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Written byEmily Guy Birken
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Emily Guy BirkenPersonal Finance Writer
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Edited byNick Versaw
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Nick VersawSenior Managing Editor
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Reviewed byDavid C. Marlett, Ph.D., CPCU
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David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
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Key Takeaways
While State Farm offers the lowest average rates in Ohio, your actual cost will vary based on factors like your driving record, age, gender, and the car you drive.
Ohio drivers pay an average of $69 per month for liability insurance and $123 for full coverage.
Erie, State Farm, and Auto-Owners are the best insurers for Ohio drivers, combining competitive rates with robust coverages, discounts, and customer service.
Cheapest Car Insurance in Ohio by Driver and Coverage Type
Some companies consistently offer lower average car insurance rates than others. But keep in mind that your rates will depend on various factors, including your age, ZIP code, driving history, and the coverage type you choose.
It’s important to compare rates for similar drivers and coverage types to get a sense of the average rates for your specific situation.
The table below shows the cheapest companies for a variety of driving backgrounds and coverage options, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | Mile Auto |
| Teens | State Farm |
| Seniors | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with an OVI (operating a vehicle under the influence) | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Overall Cheapest Car Insurance in Ohio
Location plays a big role in the cost of car insurance. Generally, Ohio drivers pay rates below the national average. The overall average cost of auto insurance in Ohio is $96 per month, compared to the national monthly average of $141.
Based on our data, these insurers offer the lowest monthly quotes for auto coverage in Ohio.
The below rates in Ohio are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $88 |
| State Farm | $94 |
| Country Financial | $95 |
| Mile Auto | $104 |
| USAA | $110 |
| Progressive | $112 |
| Foremost | $131 |
| Mercury | $148 |
| Root | $162 |
| Bristol West | $164 |
| GEICO | $166 |
| Clearcover | $169 |
| GAINSCO | $179 |
| Direct Auto | $181 |
| Allstate | $183 |
| The General | $184 |
| AssuranceAmerica | $187 |
| Safeco | $198 |
| National General | $204 |
| Trexis One | $204 |
| Mendota | $213 |
| Insurify Car | $219 |
| First Acceptance | $220 |
| Trexis | $220 |
| Excepsure | $227 |
| Hugo | $313 |
| Liberty Mutual | $356 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
Estimated Cost: $187 per month
Category | Price |
|---|---|
| $78 | 3.8% |
| $97 | 5.6% |
| $115 | 6.6% |
| $134 | 7.9% |
| $153 | 8.4% |
| $171 | 8.4% |
| $190 | 7.6% |
| $209 | 7.5% |
| $227 | 6.8% |
| $246 | 5.8% |
| $265 | 5.5% |
| $284 | 4.8% |
| $302 | 4.0% |
| $321 | 3.7% |
| $340 | 3.2% |
| $358 | 2.8% |
| $377 | 2.3% |
| $396 | 2.1% |
| $414 | 1.8% |
| $433 | 1.5% |
40.6% of drivers like you pay less for car insurance. Compare quotes to save up to $1308 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Liability Car Insurance in Ohio: State Farm
The average rate for state-minimum coverage in Ohio is $70 per month, according to Compare.com data. But most experts recommend purchasing more than the state requires, as these minimums offer only limited protection.
This is especially true in an at-fault state like Ohio, where at-fault drivers must pay for the other party’s injuries and vehicle damage. You may quickly find that state-minimum coverage isn’t enough if you have to file a claim after a serious accident. If that happens, you’re responsible for paying the difference out of pocket.
The five companies in the chart below have the cheapest premiums for state-minimum coverage in Ohio, according to Compare.com data.
The below rates in Ohio are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Cheapest Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $88 |
| State Farm | $94 |
| Country Financial | $95 |
| Mile Auto | $104 |
| USAA | $110 |
| Progressive | $112 |
| Foremost | $131 |
| Mercury | $148 |
| Root | $162 |
| Bristol West | $164 |
| GEICO | $166 |
| Clearcover | $169 |
| GAINSCO | $179 |
| Direct Auto | $181 |
| Allstate | $183 |
| The General | $184 |
| AssuranceAmerica | $187 |
| Safeco | $198 |
| National General | $204 |
| Trexis One | $204 |
| Mendota | $213 |
| Insurify Car | $219 |
| First Acceptance | $220 |
| Trexis | $220 |
| Excepsure | $227 |
| Hugo | $313 |
| Liberty Mutual | $356 |
How much car insurance does Ohio require?
Like nearly every U.S. state, Ohio requires all drivers to purchase auto insurance. Buckeye drivers must have the following minimum auto insurance coverage:[1]
$25,000 in bodily injury liability coverage per person
$50,000 in bodily injury liability coverage per accident
$25,000 in property damage liability coverage per accident
The Ohio Bureau of Motor Vehicles states that all Ohio drivers must have proof of insurance and show that proof at traffic stops, accident scenes, and vehicle inspections.[2]
Cheapest Full-Coverage Car Insurance in Ohio: Mile Auto
Most Buckeye State drivers should consider full-coverage car insurance. This type of coverage provides more protection, typically including collision and comprehensive insurance in addition to liability coverage.
Collision coverage pays for your vehicle repairs if you cause an accident, while comprehensive coverage pays to repair or replace your car if something other than an accident damages it, such as severe weather, vandalism, or theft.
The average cost for full-coverage insurance in Ohio is $123 per month, according to Compare.com data. But you can find an even better deal if you know where to look.
The five insurance companies below offer the cheapest full-coverage policies in Ohio, according to Compare.com data.
The below rates in Ohio are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Cheapest Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $143 |
| State Farm | $154 |
| Country Financial | $156 |
| Mile Auto | $168 |
| USAA | $180 |
| Progressive | $202 |
| Root | $227 |
| Mercury | $229 |
| Safeco | $238 |
| Foremost | $256 |
| AssuranceAmerica | $277 |
| Clearcover | $278 |
| GEICO | $280 |
| Direct Auto | $286 |
| Allstate | $288 |
| Bristol West | $291 |
| National General | $296 |
| GAINSCO | $338 |
| Trexis One | $351 |
| Mendota | $352 |
| The General | $354 |
| Trexis | $384 |
| First Acceptance | $399 |
| Liberty Mutual | $399 |
Cheapest Car Insurance for Teen Drivers: State Farm
Teen drivers have the least amount of experience behind the wheel and are more likely to take risks on the road, according to the Insurance Information Institute. That’s why they have some of the most expensive insurance costs of any age group. The average Ohio teen pays $205 per month, according to our data.
Insurance companies typically charge higher rates for teens, but that doesn’t mean you’re stuck paying through the nose for coverage for a young driver. In the chart below, you’ll find the five cheapest Ohio insurance companies for teen drivers, according to Compare.com data.
The below rates in Ohio are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Cheapest Rates for Teens
Company | Average Monthly Premium |
|---|---|
| Country Financial | $147 |
| Auto-Owners | $174 |
| State Farm | $178 |
| Progressive | $196 |
| USAA | $197 |
| Mile Auto | $209 |
| Root | $238 |
| Mercury | $264 |
| Clearcover | $269 |
| Bristol West | $283 |
| GEICO | $293 |
| GAINSCO | $307 |
| Allstate | $319 |
| The General | $325 |
| Direct Auto | $345 |
| Trexis One | $356 |
| Mendota | $372 |
| AssuranceAmerica | $378 |
| Insurify Car | $382 |
| First Acceptance | $384 |
| Trexis | $384 |
| Safeco | $395 |
| National General | $396 |
| Excepsure | $396 |
| Hugo | $546 |
| Liberty Mutual | $608 |
Compare Real-Time Car Insurance Quotes in Ohio
Rates in Ohio start at $44 per month.
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Cheapest Car Insurance for Senior Drivers: State Farm
Senior drivers tend to have the lowest insurance rates of any age group. Ohio seniors pay an average monthly rate of $83, according to Compare.com data.
Older drivers get some of the best rates because they have more experience behind the wheel and are less likely to take unnecessary risks while driving. But as you age, accident risks increase, and many drivers see their rates go up again once they reach age 70.[3]
Fortunately, seniors can find cheaper rates than the statewide average. The chart below shows the five cheapest insurers in Ohio for seniors, according to Compare.com data.
The below rates in Ohio are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Cheapest Rates for Seniors
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $71 |
| State Farm | $75 |
| Country Financial | $77 |
| Mile Auto | $83 |
| USAA | $91 |
| Progressive | $100 |
| Mercury | $119 |
| GEICO | $134 |
| Bristol West | $139 |
| AssuranceAmerica | $149 |
| Direct Auto | $151 |
| Root | $151 |
| Clearcover | $152 |
| GAINSCO | $156 |
| The General | $159 |
| National General | $163 |
| Allstate | $163 |
| Safeco | $175 |
| Trexis One | $182 |
| Mendota | $190 |
| Insurify Car | $195 |
| First Acceptance | $196 |
| Trexis | $196 |
| Excepsure | $203 |
| Hugo | $279 |
| Liberty Mutual | $300 |
The Cheapest Car Insurance for Ohio Drivers by Driving Record
How you’ve driven in the past is a good indicator of how you’ll drive in the future. That’s why driving record is an important factor that insurers consider when setting auto insurance rates.
If you have a clean driving record, you’ll probably get lower premiums than someone who has tickets, accidents, or other infractions on their record.[4] For example, in Ohio, the average cost of car insurance for drivers with clean records is $96 per month. The monthly average for Buckeye drivers with speeding tickets is $127.
Here’s a look at the cheapest insurers for Ohio drivers with recent tickets, at-fault accidents, and OVIs, according to Compare.com data.
The below rates in Ohio are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $114 |
| State Farm | $119 |
| Mile Auto | $126 |
| Country Financial | $127 |
| Progressive | $140 |
| USAA | $142 |
| Root | $193 |
| Mercury | $204 |
| Bristol West | $207 |
| Clearcover | $215 |
| GAINSCO | $215 |
| GEICO | $217 |
| Direct Auto | $228 |
| Allstate | $229 |
| AssuranceAmerica | $239 |
| The General | $247 |
| National General | $255 |
| Trexis One | $256 |
| Safeco | $260 |
| Mendota | $267 |
| Insurify Car | $274 |
| First Acceptance | $276 |
| Trexis | $276 |
| Excepsure | $284 |
| Hugo | $392 |
| Liberty Mutual | $454 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
The below rates in Ohio are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $120 |
| State Farm | $128 |
| Country Financial | $133 |
| Mile Auto | $143 |
| USAA | $151 |
| Progressive | $154 |
| Root | $208 |
| Bristol West | $222 |
| GEICO | $224 |
| Mercury | $225 |
| GAINSCO | $234 |
| Clearcover | $245 |
| Allstate | $251 |
| Direct Auto | $252 |
| AssuranceAmerica | $254 |
| The General | $258 |
| National General | $277 |
| Trexis One | $280 |
| Safeco | $280 |
| Mendota | $292 |
| Insurify Car | $300 |
| First Acceptance | $302 |
| Trexis | $302 |
| Excepsure | $311 |
| Hugo | $429 |
| Liberty Mutual | $483 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
The below rates in Ohio are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $111 |
| Country Financial | $122 |
| State Farm | $124 |
| Progressive | $136 |
| Mile Auto | $137 |
| USAA | $145 |
| Mercury | $209 |
| Root | $214 |
| Clearcover | $214 |
| Bristol West | $216 |
| GEICO | $220 |
| Allstate | $222 |
| GAINSCO | $236 |
| The General | $236 |
| Direct Auto | $239 |
| AssuranceAmerica | $247 |
| Trexis One | $248 |
| Mendota | $258 |
| Insurify Car | $266 |
| First Acceptance | $267 |
| Trexis | $267 |
| National General | $269 |
| Excepsure | $275 |
| Safeco | $289 |
| Hugo | $380 |
| Liberty Mutual | $470 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
Cheapest Car Insurance for Drivers by Credit
Though it may seem unrelated to driving behavior, most insurers consider your overall credit history when determining how much you’ll pay for car insurance. Our research shows that drivers with poor credit pay 42% more for car insurance than drivers with excellent credit. Ohioans with poor credit pay an average of $120 per month for car insurance versus $85 monthly for those with good credit, according to Compare.com data.
If you’re an Ohio driver with low credit, you can still find good car insurance at a reasonable rate. Here are the companies that have the cheapest rates for Ohio drivers based on their credit.
The below rates in Ohio are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $70 |
| State Farm | $78 |
| Country Financial | $86 |
| Mile Auto | $89 |
| USAA | $96 |
| Progressive | $99 |
| Mercury | $125 |
| GEICO | $137 |
| Bristol West | $145 |
| Root | $145 |
| Clearcover | $154 |
| GAINSCO | $157 |
| Direct Auto | $160 |
| Allstate | $161 |
| The General | $162 |
| AssuranceAmerica | $164 |
| Safeco | $177 |
| National General | $180 |
| Trexis One | $180 |
| Mendota | $188 |
| Insurify Car | $193 |
| First Acceptance | $194 |
| Trexis | $194 |
| Excepsure | $200 |
| Hugo | $276 |
| Liberty Mutual | $292 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
The below rates in Ohio are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $115 |
| Mile Auto | $129 |
| Auto-Owners | $132 |
| USAA | $136 |
| State Farm | $136 |
| Progressive | $140 |
| Mercury | $181 |
| Root | $201 |
| Bristol West | $203 |
| GEICO | $206 |
| Clearcover | $209 |
| GAINSCO | $222 |
| Direct Auto | $224 |
| The General | $228 |
| Allstate | $229 |
| AssuranceAmerica | $232 |
| Safeco | $245 |
| National General | $253 |
| Trexis One | $255 |
| Mendota | $266 |
| Insurify Car | $274 |
| First Acceptance | $275 |
| Trexis | $275 |
| Excepsure | $284 |
| Hugo | $391 |
| Liberty Mutual | $426 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
How to Get the Cheapest Car Insurance in Ohio
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Your individual driver profile will heavily influence how much you pay for car insurance in Ohio. But you can take some steps to ensure you get the lowest rate available to you.
Compare quotes. Insurance rates can vary widely among companies. Getting auto insurance quotes from multiple insurers is the best way to find a deal. Just be sure you’re making an apples-to-apples comparison. The quotes should all be for the same coverage limits, deductibles, and add-ons.
Drive safely. Good driving goes a long way toward keeping your rates down. Avoid speeding, hard braking, and fast acceleration. All those actions increase your crash risks, which can boost your premium.
Adjust your deductible. Generally, a higher deductible means a lower monthly rate. That’s because a higher deductible shifts more of the financial burden for a claim from the insurer to you. Just be sure to pick a deductible you can comfortably cover if you have to file a claim.
Work on your credit. Like most states, Ohio allows insurance companies to consider your credit when setting rates. Typically, drivers with good or excellent credit enjoy lower rates than those with poor credit or no credit history.
Leverage discounts. Most companies offer car insurance discounts. You also may be able to save by bundling your auto policy with another type of insurance, like homeowners or renters.
Our Picks for the Best Auto Insurance in Ohio
No one company is best for every driver. You should choose your auto insurer based on what’s most important to you. For example, is the cheapest rate your top priority? Or would you be willing to pay a bit more for great customer service?
Insurance companies can differ significantly, which is why it’s important to compare information, as well as quotes. We’ve done a lot of the legwork for you and evaluated insurers based on average Ohio rates, available discounts, customer ratings and reviews, and available coverages.
Here are our top choices for the best auto insurers in Ohio.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.3
Best choice in OhioBased on 19 verified guest reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.2 | 2.9 |
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not rated
Why we picked this company
Erie Insurance is a regional company that offers auto insurance in 12 states, including Ohio.
Like many regional insurers, Erie’s rates are often lower than what you’d get from a big company. But Erie really stands out for its customer service. It ranked the highest of any company (743 out of 1,000 points) for overall customer satisfaction in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study.
Erie also offers numerous ways to save, including discounts for safety, bundling, paying in full, and student discounts. It also offers a diminishing deductible.
Pros
Top scorer for customer satisfaction, according to J.D. Power
Accident forgiveness and diminishing deductible available
Compare.com score of 4.63 (out of 5 points)
Cons
Limited self-service options
Relatively basic mobile app and website
Not available in every state
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $73/mo |
3.9
A solid option in OhioBased on 947 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 369 State Farm reviews
Verified Review
Reviewed in Nevada on August 13, 2026
I would not recommend them. The agent was rude and condescending. My rates kept increasing for no good reason. I’ve been driving for 49 years with no tickets or accidents, and I drive very limited mileage—about 1,200 miles per year (retired).
Verified Review
Reviewed in Texas on August 13, 2026
They’ll give a competitive quote for new customers, then start raising rates quickly at renewal.
Verified Review
Reviewed in Kentucky on August 12, 2026
They’ve been really good to me.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm offers consistently affordable rates and is available nationwide, so you’ll likely be able to get a State Farm policy even if you move out of state.
We like State Farm for its robust mobile app. You can file and manage claims, get your ID card, call for roadside assistance, and more. If you prefer dealing with a person, State Farm has a large network of local agents, including 10 agencies throughout Ohio.
Pros
Perfect Compare.com score of 5 points
Nationwide availability
Highly rated mobile app
Cons
Gap insurance not available
Fewer optional coverages than some competitors
Drivers with poor credit may pay a lot more
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.3
Best choice in OhioBased on 14 verified guest reviews and ratings
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Our data shows that Auto-Owners offers generally competitive rates (although costs are much higher for drivers with poor credit) and a good selection of discounts. It also scored above average (711 out of 1,000 points) in the 2025 J.D. Power U.S. Auto Claims Satisfaction Study.
But Auto-Owners really stands out for its coverage options. It offers diminished value coverage, additional expense coverage for food, lodging, and other incidental costs if a covered event leaves you stranded away from home, and gap insurance.
Pros
Flexible deductible options
Gap insurance available
High customer satisfaction score
Cons
Must call agent to get quote
Only available in 26 states
Rates significantly higher for drivers with poor credit
Ohio Auto Insurance FAQs
The answers to the following questions can help you find the cheapest car insurance Ohio has to offer.
The overall average cost of car insurance in Ohio is $96 per month, according to our data. That breaks down to monthly averages of $69 for liability-only policies and $123 for full coverage.
State Farm offers the cheapest rates in Ohio, at just $44 per month, according to Compare.com data.
While they may not be the cheapest for every driver, Erie, State Farm, and Auto-Owners top our list of the best companies in Ohio.
Erie’s high customer satisfaction score from J.D. Power makes it stand out. State Farm’s mobile app and large agent network set it apart. And Auto-Owners scores with its broad range of optional coverages.
Multiple factors affect how much you’ll pay to insure your vehicle in Ohio. Generally, though, Ohioans pay less for car insurance than the national average. Full-coverage in the state costs $123 per month, versus the national average of $183 per month. Liability-only coverage averages $69 per month in Ohio and $99 per month nationally.
Most insurance experts recommend buying coverage that exceeds your state’s minimum requirements for greater financial protection. Ohio law allows accident victims to sue if their damages or medical costs exceed the at-fault driver’s coverage limits.
So if you only have the minimum required amount of $25,000 property damage coverage, and cause an accident that totals someone’s $50,000 vehicle, you could be on the hook for the $25,000 above your coverage limits.
Ohio law refers to driving under the influence as operating a vehicle under the influence, or OVI. Ohio drivers with OVI convictions pay, on average, $177 per month for full coverage, compared to $123 for drivers with clean records. An OVI flags you as a high-risk driver, so insurers price premiums accordingly.
Actuarial data shows that drivers with poor credit tend to file more claims than those with good credit. In Ohio, State Farm has the cheapest rates for drivers with poor credit, averaging $64 per month, according to our data.
Sources
- Ohio Department of Insurance. "Ohio's Minimum Coverage Requirements for Auto Insurance."
- Ohio Bureau of Motor Vehicles. "Driver License & ID Cards."
- Insurance Information Institute (Triple-I). "Senior Years."
- Triple-I. "What determines the price of an auto insurance policy?."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
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Emily Guy BirkenPersonal Finance Writer
Nick VersawSenior Managing Editor
David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter