Cheap Car Insurance in Ohio

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Finding cheap car insurance in Ohio

Looking for cheap car insurance in Ohio? You can possibly save hundreds of dollars a year by comparison shopping. We looked at premiums reported by EverQuote users in Ohio for large insurance companies to find out how much rates can vary. The prices below reflect rates for one driver with a clean record insuring one vehicle.

Company
(click to see reviews)
Average monthly premium
Erie $93
Travelers $96
AAA Insurance $99.50
Grange $100
State Farm $102
American Family $105
Nationwide $106
Liberty Mutual $108
Geico $109
Farmers $110.50
USAA $113
Allstate $115
Safeco $115
Progressive $119
The General $122
Esurance $132
Source: EverQuote. See full methodology below.


Keep in mind that the cheapest car insurance company in Ohio for you can change if you cause an accident, get a speeding ticket, move or get married.

Recent auto insurance rate changes approved by Ohio

You could receive an auto insurance rate increase at renewal time even if your driving record is good.

Rate increases have been common in recent years. Auto insurers often blame a rise in car accidents, higher car-repair costs and more expensive medical bills as reasons for rate increases.

Here are rate changes recently approved by the Ohio department of insurance. These rate changes may not affect all customers in the state. If you are affected, you'll get a notice at renewal time. The effective dates below indicate when the rate change will start.

Company Effective date Rate change % 

(  ) = decrease

Farmers Insurance of Columbus 5/15/18 2.300
Auto-Owners Insurance Co.,

Home-Owners Insurance Co.,

Owners Insurance Co.

4/23/18 1.000
Farmers Insurance of Columbus 4/15/18 3.000
Permanent General Assurance Corp. of Ohio 3/1/18 4.900
Grange Property & Casualty Insurance Co. 3/1/18 3.000
Bristol West Casualty Insurance Co. 2/27/18 2.500
Property and Casualty Insurance Co. of Hartford 2/22/18 5.200
The Hanover Insurance Co. 2/16/18 (0.500)
First Acceptance Insurance Co. 2/13/18 2.890
National General Insurance Co. 2/8/18 5.600
Source: S&P Global Market Intelligence

Ohio car insurance rates after accidents & speeding tickets

Accidents, claims and tickets for moving violations can all lead to a rate increase at renewal time. We looked at premiums reported by EverQuote users in Ohio who had an accident or speeding ticket on their records vs. drivers with clean records. 

On driving record Average monthly premium difference vs. clean record in Ohio
Speeding ticket 38%
Accident 47%
Source: EverQuote. See full methodology below.


Remember that just because you have a spotty driving record doesn't mean you can't potentially get a better price by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Ohio drivers are speeding and using their phones while driving.


Ohio car insurance rates by city

We also compiled Ohio car insurance rates reported by EverQuote users in various cities. Drivers in Dayton reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Dayton $106
Canton $110
Youngstown $110.50
Akron $113
Cleveland $116
Columbus $117
Cincinnati $117
Toledo $119
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Ohio

You'll typically get the best rates by comparing prices among multiple insurance companies and keeping a clean driving record.

Other ways to save include:

  • Ask your agent to review the possible auto insurance discounts. You can often get a good discount from buying home or renters insurance from your auto insurance company.
  • Find out how much you can save by increasing the deductible on collision and comprehensive  coverage, if you buy them.
  • Improve your credit. Insurers often use a credit-based insurance score when determining rates. That means drivers with poor credit often pay more for insurance.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 29, 2018

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