Key Takeaways
- National General, Commonwealth and Progressive are some of the cheapest car insurance companies in Ohio according to Jerry’s data.
- The average cost of car insurance in Ohio is around $115.
- Compare quotes from multiple insurers to find cheap car insurance in Ohio.
If you need cheap car insurance in Ohio, consider a policy from National General, Commonwealth or Progressive. These insurers are some of the most affordable in the state according to real auto insurance quotes for Jerry customers.
Jerry analyzed car insurance quotes in Ohio to highlight the cheapest auto insurers for minimum and full coverage. See Ohio car insurance rates by age, driving history and low credit.
To find the best car insurance in Ohio, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Ohio
Liability-only car insurance, also called “minimum coverage,” is the cheapest car insurance you can get in Ohio. This type of coverage is all you need to drive legally in the state, but it pays only for others’ injuries and property damage if you cause a wreck. It won’t cover damage to your own car. This is an ideal option for safe drivers who don’t need full coverage protection.
Here are the cheapest car insurance companies in Ohio for liability car insurance, according to real quotes for Jerry customers. To avoid overpaying, Ohio residents should explore and compare quotes from several providers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $55 | $657 |
| Commonwealth Insurance | $89 | $1,071 |
| Bluefire | $95 | $1,137 |
| Trexis | $104 | $1,247 |
| Mendota | $119 | $1,426 |
| Progressive | $121 | $1,456 |
| National General | $131 | $1,570 |
| Embark General | $136 | $1,628 |
| Assurance America | $138 | $1,654 |
| Dairyland | $139 | $1,666 |
Minimum liability car insurance requirements in Ohio
Ohio requires all drivers to have a minimum amount of liability insurance. These requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 for property damage liability.
Cheap full coverage car insurance in Ohio
Full coverage in Ohio typically costs more than minimum coverage, but that’s because it pays for damage to your car as well as others. Getting low-cost full coverage car insurance in Ohio requires choosing a policy that offers broad protection without excessive premiums. Full coverage generally includes liability, collision and comprehensive coverage. These protect your car from collisions, theft, weather damage and vandalism. It’s especially important for valuable or financed vehicles.
Below are the cheapest auto insurers in Ohio for full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $149 | $1,789 |
| Progressive | $206 | $2,470 |
| Commonwealth Insurance | $236 | $2,837 |
| First Acceptance | $250 | $2,999 |
| National General | $250 | $3,003 |
| Bluefire | $269 | $3,227 |
| Trexis | $285 | $3,419 |
| Assurance America | $286 | $3,426 |
| The General | $295 | $3,541 |
| ROOT | $315 | $3,782 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Minimum liability vs. full coverage in Ohio
Minimum liability coverage in Ohio covers only others’ injuries or property damage if you cause an accident.
Full coverage has the same coverage, but also includes collision and comprehensive insurance. Here’s a breakdown of what a typical full coverage policy includes and pays for:
- Liability insurance: Covers injuries or property damage you cause to someone else in an accident.
- Collision coverage: Pays for repairs to your vehicle after an accident, regardless of who is responsible. This coverage type typically has a deductible.
- Comprehensive coverage: Pays for vehicle damage caused by a non-collision event like weather-related incidents and theft. This coverage type typically has a deductible.
If you have a loan or lease on your vehicle, the lender will require
Research the differences between liability and full coverage to be sure you’re getting the proper amount of financial protection for your situation.
Average car insurance costs for young drivers in Ohio
Ohio drivers in their teens and early twenties typically pay more for insurance due to their shorter time on the road. Providers associate youth with a higher probability of errors or accidents and age alone is enough to inflate insurance costs. To reduce expenses, young Ohioans should research insurers that reward good grades and offer telematics discounts.
Below are average car insurance costs in Ohio for young drivers between 18 to 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $288 | $3,454 |
| 21-24 | $249 | $2,986 |
Cheap liability car insurance in Ohio for a 20-year-old
In Ohio, 20-year-olds might choose liability-only car insurance to stay road-legal without stretching their budget. It’s especially appealing when driving a car that wouldn’t benefit from comprehensive coverage. This practical insurance type offers peace of mind and affordability.
Below are the cheapest companies for 20-year-olds with minimum coverage, based on real auto insurance quotes in Ohio for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $146 | $1,752 |
| Commonwealth Insurance | $161 | $1,938 |
| Progressive | $191 | $2,296 |
| Dairyland | $200 | $2,398 |
| Gainsco | $206 | $2,472 |
Cheap full coverage in Ohio for a 20-year-old
A 20-year-old might select full coverage for added protection from accidents and weather related issues. Even minor accidents can lead to big bills, especially for newer vehicles. This policy helps take the edge off unexpected costs and can be a reliable tool for staying on track financially during early adulthood.
Below are the five cheapest insurers in Ohio for 20-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $338 | $4,061 |
| Progressive | $343 | $4,113 |
| Gainsco | $359 | $4,307 |
| National General | $374 | $4,492 |
| Trexis | $378 | $4,534 |
Average auto insurance costs for mature drivers in Ohio (25-54)
Once a driver reaches age 25, the cost of car insurance typically starts to decrease. That’s because more experienced drivers tend to pay less, as auto insurance providers see them as less risky to insure.
These are the average costs of car insurance in Ohio for drivers between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $207 | $2,490 |
| 35-44 | $194 | $2,329 |
| 45-54 | $166 | $1,997 |
Cheapest liability car insurance in Ohio for a 35-year-old
A 35-year-old in Ohio might choose liability-only insurance for a vehicle that’s still running but not worth a major investment. They may feel that their reliable driving habits reduce the need for added protection and this approach focuses on meeting state laws while trimming unnecessary costs.
These are the cheapest companies in Ohio for a 35-year-old driver with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $97 | $1,160 |
| Commonwealth Insurance | $101 | $1,212 |
| Progressive | $133 | $1,591 |
| National General | $133 | $1,599 |
| The General | $140 | $1,680 |
Cheapest full coverage in Ohio for a 35-year-old
A 35-year-old might choose full coverage to prepare for unpredictable weather as well as possible traffic accidents. This policy type supports peace of mind for drivers who rely on their vehicle frequently.
Here are the cheapest auto insurers in Ohio for a 35-year-old driver with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $204 | $2,446 |
| Commonwealth Insurance | $224 | $2,686 |
| National General | $226 | $2,717 |
| ROOT | $252 | $3,023 |
| Gainsco | $267 | $3,203 |
Average car insurance costs for older drivers in Ohio (55+)
Car insurance quotes in Ohio typically reach their most affordable once a driver hits age 55. But rates start to creep back up for drivers once they reach their 60s.
Below are average auto insurance rates in Ohio for drivers 55 and up.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $143 | $1,722 |
| 65+ | $171 | $2,051 |
Cheapest liability car insurance in Ohio for a 65-year-old
Ohio drivers over 65 may switch to liability-only insurance once daily driving becomes less essential. With fewer miles and an aging vehicle, full coverage may feel unnecessary. This pared-down policy offers just what’s required by law and it’s a practical adjustment to match a shift in lifestyle.
These are the cheapest auto insurance companies in Ohio for a 65-year-old driver with a liability-only policy.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Clearcover | $99 | $1,186 |
| Trexis | $100 | $1,198 |
| Progressive | $102 | $1,224 |
| The General | $104 | $1,246 |
| Commonwealth Insurance | $105 | $1,255 |
Cheapest full coverage in Ohio for a 65-year-old
A 65-year-old in Ohio may choose full coverage insurance to protect against accidents, theft and harsh weather. Preserving retirement savings by avoiding unexpected repair costs can be essential as many seniors rely on their vehicles for daily errands and family visits. This coverage balances vehicle maintenance with financial security.
Below are the most affordable full coverage options or a 65-year-old driver, based on real auto insurance quotes in Ohio for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $85 | $1,025 |
| Progressive | $113 | $1,353 |
| National General | $150 | $1,799 |
| The General | $179 | $2,146 |
| Trexis | $195 | $2,336 |
Cheapest car insurance in Ohio by driving history
Your driving record is one of the first things insurance companies review. A history filled with infractions can indicate an elevated chance of future claims and insurers use this data to calculate your risk and offer appropriate policies. It’s a major part of their evaluation process.
Cheap car insurance for drivers with clean records in Ohio
Drivers in Ohio with clean records often enjoy access to better coverage options. A violation-free history signals responsibility and consistency so insurers are more confident offering favorable rates to these low-risk individuals. A clean record works in your favor across the board.
Here are the cheapest car insurance companies in Ohio for drivers with a clean record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $68 | $814 |
| Electric | $80 | $964 |
| Embark General | $90 | $1,084 |
| Anchor General | $93 | $1,121 |
| Safeco | $99 | $1,185 |
Cheapest car insurance with a speeding ticket in Ohio
A speeding ticket in Ohio might raise concerns for insurers about how you handle the road. It reflects a lapse in following traffic laws, even if unintentional and this can influence your rate or policy availability.
These are the cheapest auto insurers in Ohio for drivers with a speeding ticket, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Embark General | $86 | $1,036 |
| Commonwealth Insurance | $174 | $2,086 |
| Safeco | $189 | $2,270 |
| Progressive | $199 | $2,394 |
| Assurance America | $220 | $2,635 |
Cheapest car insurance after an at-fault accident with no injury in Ohio
Even without injury, at-fault accidents in Ohio can affect your insurance options. Property claims still involve costs and risk management and insurers may adjust your terms to reflect the new risk level.
Here are the cheapest companies in Ohio for drivers with an at-fault accident with no injuries on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $78 | $934 |
| Bluefire | $115 | $1,386 |
| Embark General | $136 | $1,628 |
| First Acceptance | $138 | $1,653 |
| Commonwealth Insurance | $168 | $2,019 |
Cheapest auto insurance after an at-fault accident with injury in Ohio
Accidents involving injuries where you are at fault are major red flags for insurers. They suggest a higher probability of future liability and your policy terms may be revised, and rates increased. These events are closely tracked by providers.
Below are the cheapest insurers in Ohio for drivers with an at-fault accident with injury.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $176 | $2,106 |
| Trexis | $182 | $2,189 |
| Dairyland | $206 | $2,472 |
| National General | $246 | $2,951 |
| Assurance America | $264 | $3,172 |
Cheapest car insurance with a DUI in Ohio
DUI violations are taken very seriously by insurance companies as they reflect unsafe behavior that elevates your risk category. This typically results in significant rate hikes or stricter policy options and the effects may stay on your record for years.
These are the cheapest auto insurers for drivers with a DUI in Ohio.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $121 | $1,448 |
| Gainsco | $141 | $1,687 |
| Progressive | $166 | $1,989 |
| Bristol West | $172 | $2,061 |
| Trexis | $174 | $2,088 |
Average auto insurance costs for Ohio drivers with other violations
Other infractions in Ohio, such as unsafe passing or driving without a license, are also monitored by insurers. These actions reveal potential reliability issues and insurers use this data to assess how you manage responsibility on the road. Repeated violations limit policy flexibility.
Here are average car insurance quotes in Ohio for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $293 | $3,516 |
| Cell Phone | $240 | $2,881 |
| Defective Equipment | $234 | $2,809 |
| Driving on Sus. License | $262 | $3,142 |
| Eluding Police | $231 | $2,775 |
Cheapest auto insurance for low credit scores in Ohio
Ohio insurers may use credit scores to help determine car insurance premiums. Lower scores may suggest inconsistent financial behavior and this can raise concerns about claim risk. Insurers use this to shape your coverage offers.
Below are the cheapest car insurance companies in Ohio for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $68 | $814 |
| Embark General | $86 | $1,036 |
| Mendota | $119 | $1,426 |
| Safeco | $152 | $1,820 |
| Commonwealth Insurance | $166 | $1,988 |
How to find cheap car insurance in Ohio
The best way to get cheap car insurance quotes in Ohio is to compare rates from multiple insurers. It’s possible that your current insurer is no longer the cheapest, so comparing rates can help you find the most affordable policy.
Also, be sure to ask your insurer or agent about discounts you qualify for.
You can raise your deductible if you have full coverage, which is a guaranteed way to make your policy more affordable. Just be prepared to pay more out of pocket if you ever need to file a claim.
Factors that affect car insurance costs in Ohio
Insurers can use a variety of factors to determine how much you’ll pay for car insurance. One big factor is your location within the state. Car insurance costs differ for various Ohio cities and ZIP codes.
Other factors that insurers use to calculate your car insurance premium include your:
- Age.
- Driving record.
- Credit score.
- Vehicle type.
- Claims history.
- Coverage limits.
- Deductible amount, if you have one.
FAQS
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Is PIP required in Ohio?
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Do I need uninsured/underinsured motorist coverage?
Methodology
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.
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.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
