Best Car Insurance in Ohio for 2023

The Buckeye State has a lot going for it, from college sports to the Rock and Roll Hall of Fame. In addition to incredible sights and scenery, Ohio has a lower cost of living than the U.S. and the Midwest average, and those savings extend to car insurance.

Key takeaways

• The best car insurance in Ohio is USAA, which costs $738 per year for comprehensive coverage.
• Drivers with a clean driving record pay an average of $84 monthly in Ohio.
• Senior drivers in Ohio pay an average of $1,162 a year for full coverage, while young drivers spend an average of $2,769 annually.

Best car insurance companies in Ohio

USAA is the lowest-cost carrier in Ohio, averaging about $738 a year for full coverage and $233 for minimum coverage. GEICO was the next most affordable for full annual coverage at $756 a year, and Erie Insurance had the most affordable minimum car insurance at $276 yearly.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	878/1,000	$738/year	$233/year
Erie	844/1,000	$835/year	$276/year
State Farm	837/1,000	$962/year	$433/year
GEICO	831/1,000	$756/year	$337/year
Nationwide	821/1,000	$974/year	$498/year
Progressive	816/1,000	$925/year	$371/year

USAA: Highest customer satisfaction

USAA earned an 878 out of 1,000 on customer satisfaction, Ohio’s highest rating. USAA is also the most affordable carrier for full and minimum coverage in the state, but its policies are only available to current and former military members and their families. If you qualify, USAA offers a nice mix of standard policies and specialties, though you may find more specialty options with a competitor.

Get a quote now | USAA review

Erie: Best for ease of use

Erie Insurance is generally the most affordable minimum liability coverage after USAA in Ohio. Erie also earned the second-highest customer satisfaction ranking. It has multiple policies and features, including covering up to $500 of your pet’s vet bills if injured in a car accident.

Get a quote now | Erie review

State Farm: Best for senior drivers

In Ohio, senior drivers pay an average of $1,162 yearly for car insurance, while people in their 30s generally only pay around $1,097. Although State Farm was a more expensive option on our list of best car insurance, it has a high customer satisfaction rating and offers discounts to help seniors save money.

Get a quote now | State Farm review

GEICO: Most affordable coverage

GEICO is the lowest-cost option for full coverage car insurance available to the general public in Ohio. Drivers in Ohio who use GEICO pay an average of $756 yearly for full coverage, significantly less than the national average of $1,582. It has a good mix of coverage and discounts, but you may find lower prices for Ohio’s minimum car insurance requirements.

Get a quote now | GEICO review

Nationwide: Best for coverage options

Nationwide has the most expensive full coverage available in Ohio, but it has many helpful features. It costs $974 yearly for full coverage and $498 for minimum coverage, significantly more than USAA, the lowest-cost competitor. Although Nationwide may be more expensive, it offers multiple policy options and loyalty perks.

Get a quote now | Nationwide review

Ohio auto insurance requirements

In Ohio, drivers must carry the following insurance coverages:

• $25,000 in bodily liability for the death or injury of one person
• $50,000 in bodily liability for the death or injury of two or more people
• $25,000 for property damage in an accident

How to choose a car insurance provider in Ohio

When you’re looking for a new car insurance provider, it’s essential to keep a few things in mind:

• Check financial stability: Before starting a policy with any insurance company, check its financial ability to pay claims on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Ohio Department of Insurance or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed to do business in Ohio.
• Check pricing and discounts: Get quotes from multiple companies to compare pricing and discounts. Ensure the policy amounts and coverage options are similar for an accurate comparison, and double-check you’re getting all the discounts you qualify for.
• Ask for reviews: Check review websites like the Better Business Bureau to see what existing customers say. Ask friends and family for recommendations, especially if you know they’ve had a recent insurance claim.

How much does car insurance cost in Ohio?

The average cost of insurance in Ohio is $1,014 for full coverage and $417 a year for minimum coverage. Youngstown drivers generally pay the most for car insurance in Ohio, an average of $1,489 annually. Dayton residents will likely spend the least on car insurance, an average of $1,237 a year.

Ohio car insurance rates by city

The crime rate where you live can significantly impact what you pay for insurance. Drivers in Cincinnati (population of 309,513 in 2022) are likely to spend about the same yearly rate for car insurance as drivers in Columbus (population 907,971).

Although Columbus has almost three times the number of people, which usually means their car insurance rates should be significantly higher, both cities have similar crime rates. According to NeighborhoodScout, both cities scored 5 out of 100, meaning they are only safer than 5% of U.S. neighborhoods overall.

City	Avg. annual full-coverage premium
Youngstown	$1,489/year
Cleveland	$1,416/year
Toledo	$1,388/year
Columbus	$1,357/year
Cincinnati	$1,340/year
Dayton	$1,237/year

Methodology

FAQs about car insurance costs in Ohio