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In Ohio, drivers looking for budget-friendly coverage should consider Mile Auto, State Farm, and Auto-Owners.
Monthly premiums for full-coverage car insurance in Ohio average $119, compared to $186 nationally. But your actual rate may look different and can differ depending on how old you are, your driving history, and where you live. The most reliable way to determine your rate is to request quotes from several insurers and compare from there.
We've found the most affordable car insurance options in Ohio by coverage type, driver characteristics, and insurance company below.
Affordable full-coverage car insurance in Ohio
Full-coverage insurance in Ohio runs $119 per month on average, compared to the national figure of $186. Among the cheapest car insurance providers in Ohio are Mile Auto, State Farm, Auto-Owners, and Erie.
| Average monthly full coverage cost | |
| Ohio average | $119 |
| National average | $186 |
| Mile Auto | $59 |
| State Farm | $70 |
| Auto-Owners | $82 |
| Erie | $82 |
Affordable liability-only car insurance in Ohio
For drivers seeking the cheapest liability car insurance providers in Ohio, Mile Auto, State Farm, and Safeco stand out as top options.
Liability-only coverage in Ohio costs $69 per month on average, while the nationwide average sits at $104.
| Average monthly liability-only cost | |
| Ohio average | $69 |
| National average | $104 |
| Mile Auto | $39 |
| State Farm | $45 |
| Safeco | $59 |
| Erie | $53 |
Cheap car insurance in Ohio by age
Age plays a major role in determining insurance costs. Teen drivers in Ohio face the highest premiums, with car insurance for teens averaging $256 per month for full coverage. Their limited experience behind the wheel is the culprit behind higher rates.
Rates drop considerably as drivers enter their 20s, averaging $161 per month. This downward trend continues through the 30s and 40s, with monthly costs averaging $129 and $121, respectively.
Premiums may climb again for drivers reaching their 60s and beyond. Drivers in their 60s pay $99 monthly on average in Ohio, while those in their 70s see rates of $100.
These premium fluctuations across age groups reflect differing perceived risk. Inexperienced drivers face higher costs, and older drivers sometimes see increases due to health considerations and changing driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $256 | $150 |
| 20s | $161 | $94 |
| 30s | $129 | $76 |
| 40s | $121 | $70 |
| 50s | $109 | $64 |
| 60s | $99 | $58 |
| 70s | $100 | $58 |
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Cheap car insurance in Ohio for high-risk drivers
Drivers with infractions or accidents on their records usually face higher insurance premiums. Below are the average costs for Ohio drivers with an accident, speeding violation, or DUI. In other words, this represents car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $156 | $91 |
| Speeding ticket | $149 | $87 |
| DUI | $149 | $87 |
Compare low-cost car insurance after an accident
For Ohio drivers with an at-fault accident on their record, Mile Auto, State Farm, and Erie again provide competitively priced coverage. Full-coverage premiums for drivers with accidents average $156 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Mile Auto | $78 | $52 |
| State Farm | $90 | $59 |
| Erie | $105 | $68 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Ohio drivers with speeding tickets can find affordable coverage through Mile Auto, State Farm, and Auto-Owners. Full coverage averages $149 per month for those with speeding violations on their records.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Mile Auto | $71 | $47 |
| State Farm | $87 | $57 |
| Auto-Owners | $105 | $68 |
Compare low-cost car insurance after DUI conviction
Ohio drivers with DUI convictions may secure more affordable full coverage through Mile Auto, State Farm, and Auto-Owners. Average full coverage for drivers with DUIs costs $149.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Mile Auto | $80 | $53 |
| State Farm | $95 | $61 |
| Auto-Owners | $111 | $72 |
Cheap car insurance in Ohio by credit score
Credit scores significantly impact insurance rates in Ohio. Drivers with excellent credit pay $101 monthly on average, while those with poor credit face premiums starting at $149 per month.
This rate differential demonstrates how insurers use credit scores as a risk indicator, with lower scores correlating to higher premiums due to perceived increased risk of missed payments.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $101 | $59 |
| Good | $116 | $68 |
| Average | $123 | $72 |
| Poor | $149 | $87 |
FAQs
What are Ohio's minimum car insurance requirements?
Ohio law requires drivers to carry liability coverage with minimum limits of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 per accident for property damage. These limits are often written as 25/50/25 and represent the bare minimum to drive legally in the state. Across the U.S., these requirements are common.
However, these minimums may not provide adequate protection in serious accidents, especially considering Ohio's challenging driving conditions, including lake-effect snow in northern regions and frequent freeze-thaw cycles that create hazardous potholes statewide.
How does Ohio rank for car insurance affordability compared to other states?
Ohio is one of the more affordable states for car insurance in the nation, often ranking among the cheapest, depending on the analysis. Full coverage insurance in Ohio typically costs less than comparable insurance nationwide, on average. However, your rates are dependent on more than just the state you drive in.
Is Ohio an at-fault or no-fault state?
Ohio operates under an at-fault insurance system, meaning the driver responsible for causing an accident is liable for covering damages through their insurance policy. This differs from no-fault states, where each driver's insurance pays their own claims regardless of who caused the crash.
In Ohio's at-fault system, you can file a claim against an at-fault driver's liability insurance or pursue a lawsuit to recover costs for vehicle damage, medical expenses, and other losses. This system gives Ohio drivers more options for recovering damages, but it also means your rates may increase significantly if you're found at fault in an accident.
Bottom line
These companies may offer Ohio's lowest average rates, but that doesn't guarantee they'll be your cheapest option. Your best strategy is to request quotes from multiple carriers and evaluate them based on both cost and service quality.
Data throughout provided by Insurify.
Average rate:
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