Compare car insurance quotes in Ohio
Jerry uses real data from 21,420 Ohio drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
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 $383 a month for full coverage. But in Ohio, Jerry drivers pay less:
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$57 to $110 per month for state-mandated minimum coverage, and
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$141 to $287 per month for full coverage.
When you put rates next to each other, the savings are easier to find. Over the last year, Jerry has helped Ohioans save an average of $726 on coverage by comparing quotes across insurers.
Jerry helps you shop offers and dial in your Ohio car insurance in under 10 minutes. It’s free, entirely online and we won’t sell your info or pester you with phone calls.
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 between 15% and 25% 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:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $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.
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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City
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Average monthly cost
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|---|---|
| $219 | |
| $224 | |
| $225 | |
| $188 | |
| $197 | |
| $204 | |
| $185 | |
| $172 |
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.
FAQs
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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?
