The best cheap car insurance in Ohio

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  • Car insurance in Ohio is very affordable, with the average driver paying $726 per year for coverage.
  • Ohio drivers could still save lots by shopping around for coverage. 
  • Progressive tends to offer the best affordable coverage for all credit types. 
  • See our picks for the best car insurance companies » 

In Ohio, car insurance is pretty affordable. The average driver pays $726 per year in the Buckeye state, much lower than the national average of $935 per year. 

There are many factors that go into the price you'll pay for auto insurance coverage, including your age, gender, driving record and more. But, each company prices its premiums, or the amount you'll pay for coverage, differently based on these factors.

Shopping around is by far the best way to save on car insurance. Here are the companies that offer the best affordable coverage in Ohio to get you started with your search. 

The most popular car insurance companies in Ohio

The following are the most popular car insurance companies in Ohio, based on the percentage of insured Ohio drivers who use them:

CompanyMarket share (%)
State Farm17.69
Progressive16.14
Allstate10.58
GEICO8.05
Nationwide6.56
Grange Insurance5.02
Liberty Mutual4.56
Erie Insurance3.74
USAA*3.08
American Family Insurance2.72
Westfield Insurance2.48
Auto-Owners Insurance1.88
The Cincinnati Insurance Cos.1.85
Farmers Insurance1.49
Travelers1.25
Ohio Mutual Insurance1.10
Safe Auto Insurance1.05
Western Reserve Group1.01
Encova Insurance0.91
MetLife0.86

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

The best car insurance in Ohio based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the North Central (which includes Ohio):

  1. GEICO
  2. Indiana Farm Bureau
  3. Erie Insurance
  4. Auto-Owners Insurance
  5. Country Financial
  6. Westfield
  7. Grange Insurance
  8. Farmers 
  9. Allstate
  10. Region Average
  11. State Farm
  12. Nationwide
  13. Travelers
  14. American Family
  15. Progressive

The best cheap car insurance in Ohio based on credit score

Consumer Reports compiled auto insurance pricing information from every company in each state, and used the data to find out which companies offered the best cheap car insurance in each state based on an average single adult driver. 

Here are the three companies it found had the best deals for the average single Ohio driver, and the estimated average yearly premium for each company. 

Drivers with excellent credit, FICO scores 800-850, will see some of the best prices for car insurance at these companies, on average: 

  • Progressive car insurance: $424 per year
  • USAA car insurance: $481 per year
  • Grange Mutual car insurance: $589 per year

Drivers with good credit, FICO scores 670-739, should try these three companies for their car insurance coverage:

  • Progressive car insurance: $516 per year
  • USAA car insurance: $636 per year
  • Grange Mutual car insurance: $683 per year

Drivers with poor credit, FICO scores 300-579, often pay much more than drivers with better credit for car insurance coverage: 

  • Progressive car insurance: $868 per year
  • Grange Mutual car insurance: $1,094 per year
  • Nationwide car insurance: $1,488 per year

The best car insurance for drivers with a clean record

For a driver in Ohio age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
State Farm$89
Nationwide$98
Root$103
Farmers$104
Progressive$106
Liberty Mutual$107
GEICO$112
Safeco$114
Allstate$116
American Family$123
USAA*$129
Travelers$135
Esurance$135
MetLife$203

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 2,761 policyholders in the state of Ohio

The best car insurance for one or more accidents on record

For a driver in Ohio age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
State Farm$79
GEICO$118
Allstate$122
Progressive$128
Esurance$160
Farmers$182

Above data obtained from Savvy, based on 2,761 policyholders in the state of Ohio

Ohio car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Ohio's most populous cities:

CityAverage annual insurance premium 
Columbus$1,188
Cleveland$1,030
Cincinnati$1,110
Toledo$1,108
Akron$1,087
Dayton$1,052
Parma$1,207
Canton$1,071
Hamilton$1,163
Lorain$1,112
Youngstown$1,000
Springfield$1,082
Kettering$1,208
Elyria$1,125
Lakewood$1,183
Cuyahoga Falls$1,189
Beavercreek$1,358
Dublin$1,517
Newark$1,142
Middletown$1,134
Euclid$1,084
Mentor$1,296
Mansfield$1,092
Strongsville$1,360
Cleveland Heights$1,196
Fairfield$1,260
Grove City$1,297
Findlay$1,225
Westerville$1,377
Delaware$1,287
Lancaster$1,164
Reynoldsburg$1,253
Huber Heights$1,232
Warren$1,052
Lima$1,062
Gahanna$1,359
Upper Arlington$1,438
Marion$1,065
Hilliard$1,402
Stow$1,274

Data from S&P Global Intelligence

Who gets the best cheap car insurance in Ohio? 

As the numbers show above, the drivers who will get the most affordable car insurance rates are those with the best credit scores. 

But, there are a lot of factors other than credit scores that go into your premium. Things like where in Ohio you live, and the type of car you drive will also contribute to the price.

When you start looking for car insurance, you'll want to make sure that you're shopping around. Check with several different insurance companies for quotes, and make sure you compare them to find the best coverage. Look for the highest limits, the most coverage types, and the lowest deductible to find the best insurance policy for your money. 

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