Compare car insurance quotes in Ohio
Jerry is a free app trusted by 26,813 Ohio drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Ohio car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Ohio, Jerry drivers pay less:
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$57 to $109 per month for state-mandated minimum coverage.
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$140 to $285 per month for full coverage.
The best way to find a policy that fits a specific budget is to review quotes from at least three to five insurance companies. Over the last 12 months, Jerry has helped Ohioans save an average of $732 per year by finding and showing competitive coverage options side by side.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help and do the legwork so you can compare quotes and get covered in Ohio in under 10 minutes. The process is entirely online and free. That means no spam calls because we never sell your data. You stay in control, but if you prefer to talk to a real person, you can connect with a licensed agent anytime.
Keep in mind that rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. Here are some full coverage rates that Jerry drivers in Ohio have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Ohio is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Ohio drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Ohio that you can find.
Jerry helps you compare quotes from up to 15 trusted insurers in the Buckeye State, so you can see what’s out there and what you should be paying.
Below are some of the latest quotes Jerry has pulled for Ohio drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Ohio
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Ohio car insurance coverage requirements
Drivers in Ohio are legally required to carry liability insurance coverage. State minimum requirements include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 for property damage liability.
While this is the minimum insurance you need to get behind the wheel in Ohio, most Jerry drivers choose to buy higher liability limits, comprehensive and collision coverage. Considering that nearly 19% of Ohio drivers are uninsured, buying uninsured/underinsured motorist (UIM) protection is also recommended.
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Coverage definitions
Factors affecting Ohio car insurance rates in 2026
Lake-effect snow and black ice
Northern Ohio can see lake-effect snow, freezing rain, and sudden temperature swings that leave roads slick with little warning. Collision coverage is what typically helps after a crash, while comprehensive can help with certain non-collision winter losses (like a falling branch).
Deer crash exposure
Ohio is known for a high volume of deer-related crashes, especially in the fall. Impacts with animals generally fall under comprehensive coverage, so it’s worth keeping if you commute on darker two-lane roads or drive outside city centers.
Metro growth and stop-and-go driving
As Columbus and Cincinnati keep growing, congestion and accident frequency tend to rise with them. More claims in an area can translate into higher premiums, and safer driving habits can help keep you out of that cycle.
Uninsured drivers
Nearly a fifth of Ohio drivers are uninsured. UM/UIM coverage helps protect you if you’re hit by someone who can’t cover the damage or injuries they cause.
Construction zones and roadwork risk
Ohio drivers see frequent construction, especially around metro interchanges and major corridors. Lane shifts, tighter shoulders, and sudden slowdowns increase the odds of rear-end crashes, which can show up in both collision claims and injury claims.
Repair costs and parts availability
Even a small collision can turn into an expensive repair once you factor in labor, replacement parts, and sensor recalibration. Choosing deductibles you can realistically pay keeps your coverage practical when repair bills climb.
Average cost of car insurance in major Ohio cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $219 | |
| $223 | |
| $225 | |
| $187 | |
| $197 | |
| $205 | |
| $187 | |
| $171 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Ohio quotes in as little as 2 minutes.
Learn more about driving in Ohio
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How to get a temporary license plate in Ohio.
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What you need to know about Ohio seat belt laws.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Ohio an at-fault insurance state?
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What happens if I drive without insurance in Ohio?
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What happens if I’m pulled over and can’t show proof of insurance in Ohio?
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Does Ohio allow electronic proof of insurance?
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Does Ohio require uninsured/underinsured motorist (UIM) coverage?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.