Cheap Car Insurance in Ohio 2019

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Finding cheap Ohio car insurance

Looking for cheap auto insurance in Ohio? Here are some of the best ways to find savings:

  • Shop around and compare several car insurance quotes. Auto insurance rates can vary by hundreds of dollars among insurers for the same kind of coverage, so shopping around can pay off.
  • Keep a good driving record and avoid insurance claims. Accidents, tickets and claims can all result in a rate increase at renewal time.
  • Ask your auto insurance agent to review all the discounts from your insurer to make sure you're getting all possible savings.
  • Adding a young driver to your insurance? We have tips for getting cheap car insurance for teen drivers.
  • Raise the deductible on comprehensive and collision insurance, if you buy them.
  • Buy homeowners insurance from your car insurance company to get a "bundling" discount.

We analyzed average insurance premiums reported by EverQuote users in Ohio so you can see how prices compare.

Sections:

Ohio insurance vs. the U.S. average
Average Ohio insurance premiums by company
Insurance increases after a speeding ticket
Insurance increases after an accident
Average premiums for Ohio cities

Ohio insurance vs. the U.S. average

Ohio is among the best states for low auto insurance premiums. The state ranks No. 11 in our analysis of prices for full coverage car insurance.

  • $1,496/year Ohio average.
  • $1,684/year national average.

Average Ohio premiums by company

Company
Click to see reviews

Average annual premium in Ohio

Erie Insurance

$1,284

Travelers Insurance

$1,308

The Hartford

$1,335

Grange

$1,372

State Farm

$1,404

Geico

$1,457

Auto-Owners Insurance

$1,457

Nationwide Insurance

$1,459

21st Century Insurance

$1,492

Farmers Insurance

$1,498

American Family Insurance

$1,503

AAA Insurance/Auto Club

$1,522

Allstate

$1,529

USAA (must have a military affiliation to apply)

$1,535

Progressive Insurance

$1,567

Liberty Mutual

$1,567

Safeco

$1,609

Esurance

$1,614

The General

$1,714

MetLife

$1,830

Allied

$1,892

Insurance increases in Ohio after a speeding ticket

Ohio drivers who get a speeding ticket pay an average insurance increase of 27%, about the same as the nationwide average increase.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
Ohio $1,496 $1,901 27%
Nationwide average 26%

Insurance increases in Ohio after an accident

Ohio drivers who cause an accident get an average insurance increase of 41%, higher than the national average increase.

State Annual premium with clean driving record Annual premium with a chargeable accident, no injury % increase
Ohio $1,496 $2,081 39%
Nationwide average 36%

Average insurance paid in Ohio cities

Car owners in Youngstown are paying the most for auto insurance among the Ohio cities we examined.

City

Average annual premium

Akron

$1,534

Canton

$1,487

Cincinnati

$1,593

Cleveland

$1,531

Columbus

$1,580

Dayton

$1,461

Euclid

$1,585

Hamilton

$1,581

Mansfield

$1,391

Springfield

$1,404

Toledo

$1,602

Warren

$1,424

Youngstown

$1,623

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated March 6, 2019

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