Cheapest Auto Insurance Quotes in Ohio (2026)
Geico has the cheapest full coverage car insurance in Ohio, at $104 per month. That's around one-third less than the average cost statewide.
Find Cheap Auto Insurance Quotes in Ohio
Best cheap auto insurance in Ohio
Best and cheapest car insurance in Ohio
- Cheapest full coverage: Geico, $104/mo
- Cheapest minimum liability: Erie, $33/mo
- Cheapest for young drivers: Erie, $76/mo
- Cheapest after a ticket: Erie, $122/mo
- Cheapest after an accident: Geico, $152/mo
- Cheapest for teens after a ticket: Erie, $89/mo
- Cheapest after a DUI: Geico, $151/mo
- Cheapest for poor credit: Geico, $162/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best mix of cheap rates and great customer service in Ohio. Geico also offers affordable rates, but its customer service isn't as good as Erie's.
Cheapest car insurance in Ohio: Geico
Geico has the most affordable full coverage car insurance in Ohio.
Find Cheap Auto Insurance Quotes in Ohio
Ohio drivers should also compare quotes from Erie. Full coverage from Erie costs $9 per month more than Geico, on average. But Erie has much better customer service reviews than Geico, which makes it a better choice for many people.
USAA offers the cheapest car insurance quotes to Ohio drivers with military connections. Full coverage from USAA costs around $84 per month. That's $20 per month less than Geico.
Cheapest full coverage car insurance in Ohio
Company | Monthly rate | |
|---|---|---|
| Geico | $104 |
| Erie | $113 |
| Progressive | $131 |
| Auto-Owners | $136 |
| Nationwide | $174 |
*USAA is only available to current and former military members and their families.
Data-powered research on Ohio car insurance
| Data-powered research on OH car insurance |
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Cheap liability car insurance in Ohio: Erie
Erie has the cheapest minimum liability car insurance in Ohio.
Erie offers minimum coverage for $33 per month. That's around one-third less than the state average of $55 per month.
USAA also offers excellent rates, at $28 per month. However, only military members, veterans and some of their family members can get insurance from USAA.
Affordable state minimum car insurance in Ohio
Company | Monthly rate |
|---|---|
| Erie | $33 |
| Auto-Owners | $40 |
| Westfield | $44 |
| Geico | $45 |
| Progressive | $59 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Ohio
Cheapest auto insurance in OH for teens: Erie and Geico
Erie has the cheapest liability-only car insurance in Ohio for young drivers
At $76 per month, a minimum liability policy from Erie is less than half the state average of $170 per month.
Geico has the most affordable full coverage, at $221 per month for an 18-year-old driver.
Ohio teens should also compare full coverage quotes from Erie. Its reputation for excellent customer service makes it a great choice for young drivers, who are more likely to have accidents.
Affordable Ohio car insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $76 | $254 |
| Geico | $99 | $221 |
| Westfield | $122 | $377 |
| Auto-Owners | $150 | $396 |
| Allstate | $186 | $387 |
*USAA is only available to current and former military members and their families.
The best way for teen drivers to save money on car insurance 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 teen drivers if you can afford it. Teens get into accidents more often than adult drivers, so you're more likely to get the benefits from having your insurance company pay for repairs on your car.
In general, full coverage insurance is worth it if you can't afford to easily replace your car, or if it's worth more than about $5,000.
Cheap auto insurance in OH after a speeding ticket: Erie
Erie has the best auto insurance in Ohio for drivers with a recent speeding ticket. At $122 per month, full coverage from Erie is one-third cheaper than the Ohio state average.
Low-cost insurance in Ohio after a ticket
Company | Monthly rate |
|---|---|
| Erie | $122 |
| Geico | $130 |
| Auto-Owners | $136 |
| Progressive | $172 |
| Westfield | $209 |
*USAA is only available to current and former military members and their families.
Speeding tickets raise the average cost of full coverage auto insurance in Ohio from $148 to $182 per month. That's a 23% increase.
Cheap Ohio car insurance rates after an accident: Geico
Geico has the cheapest auto insurance quotes in Ohio after an at-fault accident, at $152 per month for full coverage. That's one-third cheaper than the average cost of insurance in Ohio after a crash.
Drivers with an accident should also compare rates from Erie. It's only $15 per month more than Geico, and its outstanding customer service could come in handy if you're in another accident in the future.
Cheapest insurance in Ohio after a crash
Company | Monthly rate |
|---|---|
| Geico | $152 |
| Erie | $167 |
| Auto-Owners | $190 |
| Progressive | $203 |
| Grange | $227 |
*USAA is only available to current and former military members and their families.
Just one accident on your driving record can lead to much higher car insurance quotes. In Ohio, rates go up by 51% after a single accident. That's an increase of $76 per month for full coverage, on average.
Cheap insurance in Ohio for teens with bad driving records: Erie
Erie has the most affordable rates for young Ohio drivers with a speeding ticket or accident on their records.
A minimum liability policy from Erie costs $89 per month for an 18-year-old driver with a speeding ticket. That's less than half the average price in Ohio.
After an accident, a minimum liability policy from Erie costs $108 per month, also less than half the state average.
Best Ohio car insurance for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $89 | $108 |
| Geico | $112 | $135 |
| Westfield | $147 | $150 |
| Auto-Owners | $150 | $233 |
| Progressive | $207 | $218 |
*USAA is only available to current and former military members and their families.
An 18-year-old driver in Ohio can expect their rates to go up by 20% after a single speeding ticket. Rates for teens go up 41% after an accident.
If you recently had your first accident and it wasn't your fault, your insurance rates shouldn't go up. In Ohio, it's illegal for insurance companies to raise your rates after one not-at-fault accident.
However, your rates could go up if you have another accident within the same policy period, even if it's not your fault. That's because the insurance company will view you as a risky driver likely to make another claim in the future.
Affordable car insurance in Ohio after a DUI: Geico
Geico has the cheapest car insurance rates for Ohio drivers after a DUI. A full coverage policy from Geico costs $151 per month, which is $117 per month cheaper than average.
Cheapest auto insurance in Ohio after a DUI
Company | Monthly rate |
|---|---|
| Geico | $151 |
| Progressive | $165 |
| Erie | $211 |
| Auto-Owners | $257 |
| Allstate | $278 |
*USAA is only available to current and former military members and their families.
Insurance companies in Ohio raise rates by 80% after a DUI, on average. That's an average increase of $119 per month for a full coverage policy.
In addition, drivers in Ohio with a DUI may need to get SR-22 insurance.
Insurance companies usually charge between $50 and $65 to file an SR-22 with the Ohio Bureau of Motor Vehicles (BMV) on your behalf. This is in addition to the increase in your insurance rates.
Cheapest car insurance in OH for drivers with poor credit: Geico
Geico has the most affordable car insurance for drivers with bad credit in Ohio. Full coverage from Geico costs $162 per month for a drive with poor credit. That's one-third less than the Ohio state average and $43 per month less than the second-cheapest company, Progressive.
Best rates for car insurance in Ohio with bad credit
Company | Monthly rate |
|---|---|
| Geico | $162 |
| Progressive | $205 |
| Grange | $252 |
| Erie | $257 |
| Nationwide | $262 |
*USAA is only available to current and former military members and their families.
Drivers in Ohio with poor credit pay an average of $258 per month for full coverage. That's $110 more expensive per month than the average cost of insurance for drivers with good credit scores.
Your credit score doesn't affect your driving ability, but it impacts your car insurance rates in Ohio. That's because insurance companies believe drivers with poor credit are more likely to make insurance claims.
Best car insurance companies in Ohio
USAA is the best car insurance company in Ohio because of its cheap rates and high customer service scores.
However, USAA only sells policies to military members, veterans and their families.
Drivers that don't qualify for USAA should consider Erie. It also offers dependable customer service at an affordable price.
Top insurance companies in Ohio
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| Erie | 703 | A | |
| Cincinnati | 667 | A+ | |
| Nationwide | 645 | A | |
| Auto-Owners | 638 | A+ |
Car insurance rates in Ohio by city
Ballville, a township in Sandusky County, is the cheapest city in Ohio for full coverage car insurance.
Drivers in Fremont pay around $122 per month for full coverage, which is $26 per month less than the state average.
Bratenahl, a suburb of Cleveland, has the most expensive rates in the state, at $173 per month. Its location on Lake Erie means cars in Bratenahl could face damage from severe weather, like flooding due to storm surge.
Average cost of car insurance in OH by city
City | Monthly rate | % from average |
|---|---|---|
| Aberdeen | $148 | 0% |
| Ada | $132 | -11% |
| Adamsville | $146 | -2% |
| Addyston | $156 | 5% |
| Adelphi | $143 | -3% |
Where you live can affect your car insurance rates as much as your driving habits. However, rates in Ohio don't change much across the state. There's only a $51-per-month difference in the cost of full coverage car insurance between the most and least expensive cities.
Ohio minimum car insurance requirements
Ohio requires drivers to have a minimum amount of car insurance to legally drive in the state. Liability coverage pays for the other driver's medical and car repair bills. The minimum limits in Ohio are sometimes written as 25/50/25.
Required car insurance in Ohio
- Bodily injury liability (BI): $25,000 per person and $50,000 per accident
- Property damage liability (PD): $25,000 per accident
What's the best car insurance coverage for Ohio drivers?
Full coverage car insurance is the best choice for most Ohio drivers.
Frequently asked questions
Who has the cheapest car insurance in Ohio?
In 2026, Geico has the cheapest car insurance in Ohio for drivers who want complete coverage, at an average of $104 per month. That's $44 per month less than the state average.
If you want a basic policy, Erie has the cheapest rates in Ohio for a minimum liability policy, at $33 per month, on average.
How much is car insurance in Ohio?
The average cost of car insurance in Ohio is $148 per month for full coverage. That's $61 per month less than the national average.
Who has the best car insurance in Ohio?
USAA and Erie are the best car insurance companies in Ohio. They offer the best combination of cheap quotes, dependable customer service and useful coverage options.
Why is car insurance so cheap in Ohio?
Ohio is the fifth-cheapest state in the country for full coverage insurance and the 10th-cheapest for minimum coverage. This is partially because Ohio has fewer fatal car accidents than many other states. It also has lower rates of auto theft, according to the FBI.
How much is car insurance in Cincinnati, Ohio?
Car insurance in Cincinnati costs an average of $171 per month for a full coverage policy. That's $23 per month higher than the Ohio state average. In comparison, auto insurance in Columbus costs about $166 per month.
Methodology
To find the best cheap Ohio auto insurance, ValuePenguin collected thousands of quotes from every ZIP code in OH for the largest insurance companies in the state. Rates are for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.
Quotes are for a full coverage policy with comprehensive and collision coverage and liability limits that are higher than Ohio requirements.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
