Compare Cheap Auto Insurance in Ohio

• Auto insurance in Ohio costs an average of $1,401 annually for full coverage and $504 annually for minimum coverage.
• USAA, GEICO, and Erie have the cheapest rates for most drivers in the Buckeye State, but the former is only available for military-affiliated drivers.
• Travelers and Progressive also tend to have below-average rates, depending on the category.

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• Cheapest full coverage auto insurance in Ohio: USAA ($980 annually) and GEICO ($1,101 annually)
• Cheapest minimum coverage: USAA ($273 annually) and Erie ($312 annually)
• Cheapest with a speeding ticket: USAA ($1,173 annually) and Erie ($1,174 annually)
• Cheapest with a teen driver: Erie ($3,018 annually) and USAA ($3,024 annually)
• Cheapest with low credit: GEICO ($1,512 annually) and USAA ($1,655 annually)
• Cheapest with a DUI: Erie ($1,450 annually) and USAA ($1,596 annually)
• Cheapest with an at-fault accident: Erie ($1,411 annually) and Grange ($1,612 annually)

Not only does Erie offer some of the cheapest auto insurance rates in Ohio for most driver categories — it also consistently ranks higher than competitors when it comes to customer service. Depending on your priorities, it may make sense to pay more for a company with higher customer service ratings, but Erie offers the best of both worlds. For military-affiliated drivers, USAA also has a strong customer service record.

1. Shop around: Don’t settle for the first quote you get, even if it seems reasonable — it’s possible another company will be even cheaper. Get rates from at least three companies for the same amount of coverage so you can compare and get the best deal.
2. Drive safely: One of the best ways to keep your auto insurance rates as low as possible is to drive safely and avoid violations. Even a speeding ticket can raise your rates, and more severe violations, like a DUI, will increase them more significantly.
3. Check for discounts: All insurers offer discounts to help you save on premiums, though the types of discounts and the amounts will vary by company. Be sure to check what you may be eligible for so you can be sure you’re getting the best rate.
4. Decrease your deductibles: If you have full coverage, you’ll have a deductible for collision coverage and a separate one for comprehensive coverage. The deductible is the amount you have to pay out of pocket when you file a claim before the insurance will kick in. Lowering your deductibles will lower your premium, but be sure you can afford the out-of-pocket expense if needed.

The cost of auto insurance depends partly on where you live, though average rates don’t vary significantly across major Ohio cities. Cleveland has the most expensive rates at $1,471 per year, which is slightly above the state average. Meanwhile, Cincinnati and Akron have lower rates that are slightly below the state average.

Ohio drivers are required by law to carry auto insurance with at least the following liability limits:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident

Ohio’s minimum coverage limits are relatively low, so they may not provide enough coverage if you need to file a claim. We recommend that you get higher liability limits if you can afford to. In addition, if you have a newer vehicle, it’s a good idea to add full coverage, as liability-only policies do not pay for damages to your own vehicle.

We analyze average auto insurance premiums in Ohio for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible