Good news for Ohio drivers: Jerry’s latest data shows that liability coverage in the Buckeye State averages about $249 per month, making Ohio one of the more affordable states for car insurance overall. In the last year, we’ve helped 11,936 Ohioans find cheaper coverage, and drivers who purchase through Jerry save an average of $679 a year without giving up the protection they need.
Jerry compares quotes from up to 14 trusted insurers in Ohio to build a policy and help you secure your best price in minutes.
Save on Ohio insurance with Jerry.
What Ohio drivers are paying right now
Insurance prices in Ohio shift with crash trends, weather patterns and local claim activity. Two drivers with identical cars and spotless records can still end up with very different rates depending on where they live, from Cincinnati’s hills to Cleveland’s lake-effect snow to the wide-open interstates around Lima.
Jerry tracks live quotes statewide to give you a real-world snapshot of what drivers are paying today. Here are a few recent full coverage policies purchased through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate every so often. In Ohio, lake-effect snow, road construction and even minor updates to your driving profile can nudge your premium up or down by renewal time.
4 easy ways Jerry helps Ohio drivers save on car insurance
If you’re working to lower your car insurance costs in Ohio, you’re not alone. Just know that the cheapest quote on the screen isn’t always the best value. The real advantage comes from knowing what drives your rate and what you can adjust without compromising your coverage.
Jerry compares real offers, uncovers discounts you might otherwise miss and shows you exactly where you can save with confidence.
Here are our top tips to help you save money and find the cheapest Ohio car insurance.
| How to save | Average Ohio driver savings |
|---|---|
| Compare quotes | 40% to 69% |
| Stack discounts | 23% to 40% |
| Pick the right deductible | 13% to 71%* |
| Keep a clean driving record | 22%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Ohio’s insurance market is competitive, which is good news for drivers. But it also means different insurers price the same driver very differently. Crash rates in Columbus or Toledo can push premiums up, while smaller cities or rural areas may see lower collision costs but more deer-strike claims, especially during fall migration. Comparing rates side by side with Jerry is the fastest way to ensure you’re not overspending.
Here’s where Ohio drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Ohio drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 30% | 31% |
| Founders Insurance | 19% | 29% |
| Commonwealth | 15% | 35% |
| Trexis | 15% | 39% |
| National General | 8% | 35% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location matters in Ohio. Jerry helps you compare the differences instantly to find a policy that fits your life and your budget.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Many Ohio drivers qualify for multiple discounts, from bundling home and auto to safe-driver incentives, anti-theft devices and good-student savings. Some insurers even discount for low annual mileage, which is common for suburban commuters who use public transit into cities like Cleveland.
Jerry finds the discounts you qualify for so savings don’t slip through the cracks.
Key takeaway: Combining discounts often delivers more meaningful savings than raising your deductible.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible can bring down your premium, but only if the amount is something you could comfortably pay after an accident. With Ohio’s mix of icy winter roads, pothole damage and wildlife collisions, it’s worth choosing a deductible that won’t strain your budget when you need it most.
Here’s what Jerry drivers choose for their deductibles:
To find your ideal deductible:
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Check your car’s current value (Jerry tracks this each month).
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Pick a number you could realistically afford out of pocket.
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Compare how each deductible option impacts your rate in real time.
The Jerry difference: Jerry shows instant savings across multiple deductible levels so you can choose the best balance of cost and coverage.
Jerry Agent Tip 4: Keep a clean driving record
Ohio drivers see their premiums increase by up to 27% after a single ticket, based on Jerry data, and more serious violations can push rates even higher. Strong driving habits can help you avoid those costly hits.
When your record improves, Jerry automatically re-shops your policy so you get your savings as soon as you’re eligible.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Ohio requires 25/50/25 liability insurance, but many drivers choose higher limits as medical costs and repair prices continue to climb. Here are Ohio’s common coverage levels:
Minimum
$55 – $106/mo
Meets Ohio’s state minimum liability requirements but doesn’t cover damage to your own car.
Full
$113 – $229/mo
Adds collision and comprehensive coverage to protect your vehicle, and is often required for leased or financed vehicles.
Standard
$136 – $274/mo
Includes uninsured/underinsured motorist coverage and medical payments, which is especially helpful because Ohio’s UM/UIM claims run high in certain regions.
Preferred
$163 – $317/mo
Offers higher liability limits, lower deductibles and extras like rental reimbursement or towing mean premium protection.
Key takeaway: Start with your comfort level around risk and your vehicle’s value. Jerry shows real-time prices across all coverage tiers so you can choose confidently.
The cheapest policy in Ohio is liability-only. However, adding a few affordable protections can make a big difference if you are in an accident. Here’s what each type of coverage offers:
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Coverage definitions
Ohio insurance factors at a glance
Ohio’s insurance costs reflect the daily realities of driving here, from snowy winters in the north to long rural commutes and fast-paced metro areas. These factors can impact not only your driving experience but also what you pay for coverage.
Winter weather
Lake-effect snow, black ice and freezing rain increase crash risk. Comprehensive coverage helps protect against damage.
Wildlife collisions
Ohio consistently ranks among the states with the most deer-related crashes each fall (another vote for comprehensive coverage).
Urban congestion
Columbus and Cincinnati continue to grow, and the increased number of drivers bumps up collision and injury claim rates.
Uninsured drivers
Nearly a fifth of Ohio drivers are uninsured, making UM/UIM coverage an important safeguard.
Ohio Insurance After a Ticket, Accident or SR-22
A driving mistake shouldn’t lock you into high rates forever. With Jerry, it doesn’t.
Jerry works with insurers that take a balanced view of past violations and automatically re-shop your policy as your record improves.
If you got a ticket
Ohio assigns points for speeding and other violations, and too many points within a short period can lead to license restrictions or mandatory driving courses. Even one ticket can raise your insurance rate 15% to 30% while bigger violations, like DUIs or reckless driving, can mean more.
State-approved driving courses may reduce points or qualify you for a discount. Jerry also automatically re-shops for lower prices as soon as the violation clears.
Here are the average rate increases we’ve seen for Ohio drivers after a ticket:
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Speeding under 15: 9%
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Speeding over 15: 27%
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Failure to obey traffic sign: 27%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Ohio is an at-fault state, meaning the responsible driver pays the damages. An at-fault crash typically raises premiums by 24%, with increases lasting three to five years.
Jerry helps you secure your cheapest available rate immediately and re-shops your policy once the accident falls off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI conviction in Ohio can notably increase your insurance rateand trigger several years of higher prices. Some insurers still offer competitive options for high-risk drivers, though.
Jerry identifies those carriers and automatically re-shops your policy as your record improves.
Here are the five cheapest insurers for Ohio drivers with a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $171 | Yes | |
| $172 | Yes | |
| $185 | Yes | |
| $192 | Yes | |
| $195 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Ohio
Ohio may require an SR-22 filing after certain violations, uninsured accidents or suspensions. Check the SR-22 option in the Jerry app and you’ll see only insurers that handle the filing. Most carriers charge about $25 a year to submit it.
Car Insurance with Bad Credit
Ohio allows insurers to use credit-based insurance scores. Your credit may influence your premium, but continuous coverage, smart deductible choices and regular price checks often have a bigger impact on long-term savings.
Jerry helps you compare quotes instantly so you always get your best rate.
Average rates in Ohio by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Ohio’s mix of lake-effect winters, rural highways, expanding metro areas and seasonal wildlife means there’s no one-size-fits-all insurance plan. The right policy for you is one that fits how and where you actually drive.
Jerry makes it easy to build a policy tailored to life in Ohio and stay protected year-round.
Get Ohio coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
