The best car insurance in Ohio comes from Geico, according to Jerry’s editorial analysis. The company has high financial strength ratings and few complaints to state regulators. Here’s the rundown of the rest of the best insurers in the state.
If you need cheap car insurance in Ohio, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Ohio overall: Geico
Why it’s the best: Erie Insurance is the best car insurance company in Ohio because of its 4.9 Jerry star rating, superior financial strength rating and few customer complaints. Erie also ranks No. 1 out of 14 insurers for overall customer satisfaction in the North Central region, according to J.D. Power’s 2024 U.S. Auto Insurance Study, which ranks insurance companies based on factors like cost and consumer trust.
Erie’s auto policies may automatically include perks like $350 in personal items coverage, locksmithing services, coverage for your pets if they’re injured in an accident in your car, a waived deductible for glass repair and accident forgiveness for your first crash if you’re insured by Erie for three claims-free years.
You can customize your policy with roadside assistance and rental car coverage if you have comprehensive or collision coverage. If you upgrade to Erie’s Auto Plus package, you’ll get additional benefits, including a diminishing deductible and a $10,000 death benefit.
Ohio drivers can get discounts from Erie by insuring multiple cars, bundling policies, storing your car for at least 90 consecutive days or only using your vehicle for farm use.
More of the best Ohio insurers
Here are more top-rated insurers in Ohio.
Honorable mention: Westfield Insurance
While not yet rated by Jerry, Westfield Insurance was ranked No. 3 out of 19 insurers for overall customer satisfaction in the North Central region, according to J.D. Power’s 2024 Auto Insurance Study.
Westfield stands out for its home and auto insurance bundling packages, which automatically include extras like roadside assistance, transportation expenses coverage and gap insurance.
Westfield offers discounts for being a loyal customer or getting a quote before the date your policy goes into effect. You can also get an automatic discount for enrolling in Westfield’s telematics program, MissionSafe. If you practice safe driving habits, you can then earn more savings, gift cards or rewards you can donate to charity.
You can get a quote from an agent and manage your policy through Westfield’s online portal, which lets you file and track claims, view policy documents and pay your premium.
Best full coverage car insurance in Ohio
The following companies offer some of the best full coverage car insurance rates in Ohio.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $164 |
| Progressive | $181 |
| Commonwealth Insurance | $214 |
| National General | $230 |
| Assurance America | $248 |
Best car insurance for teen drivers in Ohio
The following companies offer some of the best car insurance rates for teen drivers in Ohio.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 19 | Chrysler Sebring | Trexis | $58 | December 15, 2024 |
| 19 | KIA Optima | Trexis | $79 | December 16, 2024 |
| 19 | KIA Soul | Trexis | $79 | September 5, 2024 |
| 19 | Mazda Miata | Trexis | $81 | October 5, 2024 |
| 19 | KIA Forte | Trexis | $91 | March 13, 2025 |
| 19 | Nissan Maxima | Trexis | $98 | August 19, 2024 |
| 19 | Chevrolet Silverado | Trexis | $100 | March 24, 2025 |
| 19 | Honda Civic | Trexis | $111 | March 10, 2025 |
| 19 | CHRYSLER 300 | Trexis | $114 | March 21, 2025 |
| 19 | Chevrolet S10 | Trexis | $121 | January 5, 2025 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Ohio
Here are the best car insurance rates for young drivers in Ohio.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Anchor General | $93 |
| Commonwealth Insurance | $193 |
| Trexis | $203 |
| Progressive | $205 |
| National General | $280 |
Learn more: Car insurance for college students
Best car insurance for seniors in Ohio
Here are the best car insurance rates for drivers over 65 in Ohio.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $132 |
| Commonwealth Insurance | $132 |
| Safeco | $163 |
| National General | $185 |
| The General | $186 |
Learn more: Car insurance for seniors
How to get the best car insurance in Ohio
Follow these tips to find the best car insurance in Ohio:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
