Ohio Auto Insurance: Finding The Cheapest Rates

Finding cheap car insurance in Ohio can be a challenging process. The average cost of car insurance in Ohio is $1,028 per year, which is 33% lower than the national average. The cheapest car insurance companies in Ohio are Grange, State Farm, and Geico. Grange offers the lowest average rates for Ohio drivers, with an overall average annual rate of $720. The cheapest rates for young drivers in Ohio are offered by Erie, charging $72 per month for a minimum liability policy.

Cheapest for young drivers

For young drivers in Ohio, Erie has the best cheap quotes, charging $72 per month for a minimum liability policy. The company also has the most affordable full-coverage policy for Ohio teens, at $208 per month.

Minimum coverage from Erie is roughly half the average cost in the state, which is $141.

An Ohio 18-year-old can expect to pay about three times as much for car insurance as a 30-year-old. The best way for teen drivers to save money is by sharing a policy with their parents or an older relative. Good student and driver safety course discounts can also bring down young drivers' rates.

Full coverage is usually a good idea for teens, as they are more likely to get into accidents and would benefit from having their insurance company pay for repairs on their car.

In general, full coverage is worth it if you could not afford to replace your car if it were stolen or destroyed, or if it's worth more than about $5,000.

• Erie
• Geico
• Nationwide
• Auto-Owners
• USAA
• USAA is only available to current and former military members and their families.

Cheapest for drivers with a DUI

For drivers in Ohio with a DUI, the cheapest auto insurance we found is from USAA, which offers an average rate of $1,089 per year. However, USAA is only available to military members and their families. The next cheapest option is Progressive, with an average rate of $1,137 per year.

The cheapest full-coverage insurance in Ohio for drivers with a DUI is offered by Nationwide, with an average rate of $860 per year.

The cheapest minimum-coverage insurance in Ohio for drivers with a DUI is offered by USAA, with an average rate of $286 per year.

Cheapest for drivers with poor credit

For drivers with poor credit in Ohio, Grange Insurance has the cheapest average car insurance rate: $912 per year. Grange also has the lowest average rates for drivers in every category analysed, including teen drivers, senior drivers, drivers after a speeding ticket, and drivers after a DUI.

State Farm is the most expensive insurer for drivers with poor credit, with a sample yearly rate of $4,295. Grange's average rate is $3,383 cheaper than State Farm's.

Your credit-based insurance score is one of the many factors that insurance companies use when determining your rate. It is an indication of how likely you are to file a claim in the future. To determine this, insurers draw correlations by looking at your credit history, in particular, your record of debt repayment. If you have a poor credit history because of missed payments and the like, your car insurance rate will likely be higher than someone with good credit.

Cheapest for good drivers

For good drivers in Ohio, the cheapest car insurance is offered by Grange, with an average annual rate of $720 or $60 per month. The insurer also has rates lower than the statewide average in every driver category, including teen drivers, senior drivers, drivers after a speeding ticket, and drivers after a DUI.

The cheapest full-coverage car insurance for good drivers in Ohio is offered by Nationwide, with rates of $72 per month or $860 per year.

The cheapest minimum-coverage car insurance for good drivers in Ohio is offered by Erie, with rates of $24 per month or $286 per year.

Cheapest for full coverage

Full coverage insurance in Ohio is, on average, $1,111 per year, or $1,329 per year according to another source. This is more expensive than the average cost of minimum coverage, which is $335 per year.

The cheapest full coverage insurance in Ohio is offered by Hastings Mutual, with an average rate of $720 per year. Grange also offers full coverage for $720 per year, according to another source.

State Farm offers the cheapest full coverage for $70 per month, or $840 per year. USAA also offers cheap full coverage, but only for people with connections to the military. Their rates are $73 per month, or $876 per year.

Frequently asked questions