Compare Cheap Car Insurance in Ohio

In Ohio, drivers seeking affordable car insurance should consider providers like Mile Auto, State Farm, and Auto-Owners for budget-friendly options.

On average, the monthly premium for full-coverage car insurance in Ohio is $119, which is significantly lower than the national average of $186. However, your individual rate can vary depending on factors such as your age, driving history, and location. The most reliable way to determine your premium is to request quotes from multiple insurers and compare them.

Below, we highlight the most affordable car insurance options in Ohio by coverage type, driver profile, and insurance provider.

Affordable Full-Coverage Car Insurance in Ohio

Full-coverage car insurance in Ohio costs an average of $119 per month, compared to the national average of $186. Some of the most affordable providers in Ohio include Mile Auto, State Farm, Auto-Owners, and Erie.

Average Monthly Full Coverage Costs

Affordable Liability-Only Car Insurance in Ohio

For drivers looking for the lowest rates on liability-only car insurance, Mile Auto, State Farm, and Safeco are the top choices in Ohio.

The average monthly premium for liability-only coverage in Ohio is $69, compared to the national average of $104.

Average Monthly Liability-Only Costs

Affordable Car Insurance in Ohio by Age

Age significantly impacts car insurance rates. Teen drivers in Ohio face the highest premiums, with full-coverage insurance averaging $256 per month. This is largely due to their inexperience behind the wheel.

As drivers enter their 20s, rates drop significantly to an average of $161 per month. This downward trend continues into the 30s and 40s, with average premiums of $129 and $121, respectively.

However, premiums tend to increase again for drivers in their 60s and 70s. In Ohio, drivers in their 60s pay an average of $99 per month, while those in their 70s pay around $100.

These fluctuations in premiums by age reflect the perceived risk associated with different stages of driving experience. Inexperienced drivers face higher rates, while older drivers may experience rate increases due to health factors and changes in driving habits.

Average Monthly Full-Coverage and Liability-Only Costs by Age Group

Affordable Car Insurance in Ohio for High-Risk Drivers

Drivers with accidents, speeding violations, or DUIs on their records typically face higher premiums. Below, we outline the average costs for car insurance in Ohio for those with a poor driving history.

Average Monthly Full-Coverage and Liability-Only Costs by Violation

Low-Cost Car Insurance After an Accident

For Ohio drivers with an at-fault accident on their record, Mile Auto, State Farm, and Erie offer some of the most affordable coverage options. On average, full-coverage insurance for drivers with accidents costs $156 per month.

Low-Cost Car Insurance After a Speeding Ticket

For Ohio drivers with speeding tickets, Mile Auto, State Farm, and Auto-Owners provide some of the most competitive rates. Full-coverage premiums for drivers with speeding tickets average $149 per month.

Low-Cost Car Insurance After a DUI

Ohio drivers with DUI convictions may still find affordable full-coverage options through Mile Auto, State Farm, and Auto-Owners. The average premium for drivers with a DUI conviction is $149 per month.

Affordable Car Insurance in Ohio by Credit Score

Credit scores play a significant role in determining insurance premiums in Ohio. Drivers with excellent credit pay an average of $101 per month, while those with poor credit face premiums starting at $149 per month. This disparity reflects the higher perceived risk of drivers with lower credit scores, which often correlates with missed payments or other financial issues.

Average Monthly Cost of Full-Coverage and Liability-Only Insurance by Credit Score

Frequently Asked Questions (FAQs)

What are Ohio's Minimum Car Insurance Requirements?

Ohio law mandates that drivers carry liability insurance with the following minimum coverage limits:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

• $25,000 per accident for property damage

These limits are often referred to as 25/50/25 and represent the minimum required to legally operate a vehicle in the state. While these minimums provide the basic protection, they may not be sufficient in the event of a serious accident, particularly in areas with challenging driving conditions like lake-effect snow or hazardous potholes.

How Does Ohio Rank for Car Insurance Affordability?

Ohio is generally considered one of the more affordable states for car insurance, often ranking among the cheapest nationwide. The state's full-coverage premiums are typically lower than the national average. However, rates can still vary significantly based on personal factors like driving history and credit score.

Is Ohio an At-Fault or No-Fault State?

Ohio follows an at-fault insurance system, meaning the driver responsible for causing an accident is liable for covering the damages. This is different from no-fault states, where each driver’s insurance covers their own expenses, regardless of fault.

Under Ohio's at-fault system, you can file a claim against the at-fault driver's insurance or pursue a lawsuit to recover costs for vehicle damage, medical expenses, and other losses.

Conclusion

While these insurers offer some of the most affordable rates in Ohio, the cheapest option for you will depend on your specific situation. To ensure you get the best value, it is recommended to obtain quotes from multiple insurance providers and compare both price and service quality.