Best & Cheapest Car Insurance in Ohio as Rated by Customers in 2024

When shopping around for a new Ohio car insurance company, be sure to check out Clearsurance's company reviews. Along with getting the right coverage for the best price, you want to make sure you'll be happy with the company's customer service. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance coverage in Ohio.

With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Ohio car insurance companies. This may not mean they are the cheapest car insurance companies mind you — the cheapest option is not always the one you are going to need. We go through why that is below as well, but it has something to do with where you live and what sort of minimum coverage requirements may be in place.

In the table above, you can sort through all the Ohio car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Ohio car insurance rankings.

Interested in learning more about one of these Ohio car insurance companies? You can visit the company's profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

• Who offers the cheapest teen car insurance rates in Ohio?
• Who offers the cheapest car insurance rates for a married couple in Ohio?
• Who offers the cheapest senior car insurance rates in Ohio?
• 10 Cheapest areas in Ohio for car insurance
• 10 Most expensive areas in Ohio for car insurance
• Minimum car insurance coverage and limits in Ohio
• Ohio’s uninsured motorists percentage

Who offers the cheapest teen car insurance rates in Ohio?

Teenage drivers have it rough, because they haven't had much time to build up a driver profile. While their parents may be teaching them safe driving techniques, that won't be enough to guarantee them the lowest rates.

Erie Insurance Group offers the cheapest average car insurance option for both female and male teen drivers on average in Ohio when compared with the other most popular auto insurers in the state. The table below details coverages from well-known insurance companies in Ohio.

Company	Female teen rates	Male teen rates
Allstate Insurance	$1,336	$1,522
Erie Insurance Group	$742	$943
Nationwide	$1,763	$2,310
Progressive	$2,300	$2,546
State Farm Insurance Company	$1,115	$1,315

These rates are based on profiles for 18-year-old male and female drivers in Ohio. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Ohio will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Ohio?

When looking for affordable car insurance, it may not cross your mind to mention that you're married to your insurer. However, this can sometimes result in a cheaper insurance quote.

Compared to other large insurance companies, Nationwide offers the cheapest average car insurance rates for married couples in Ohio. The table below details coverages from well-known insurance companies in Ohio.

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Ohio will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Ohio?

Among the five largest companies in Ohio, State Farm provides the cheapest car insurance rates for male and female senior drivers in the state on average. The table below details coverages from well-known insurance companies in Ohio.

Company	Female senior rates	Male senior rates
Allstate Insurance	$958	$1,018
Erie Insurance Group	$790	$790
Nationwide	$823	$819
Progressive	$1,239	$1,257
State Farm Insurance Company	$708	$708

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Ohio will differ. Rate data is provided by Quadrant Information Services.

What are the car insurance rates per area?

<b>Cheapest areas for car insurance</b>

Car insurance rates in Ohio can vary based on your location. On average, the cheapest area in Ohio for car insurance is the Bloomdale area. In the table below, you can see the top 10 cheapest areas in Ohio for car insurance based on average rates for single adults.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Ohio will differ. Rate data is provided by Quadrant Information Services.

What are the most expensive areas for car insurance?

Car insurance in Ohio can be more expensive in some areas of the state than others because every area has different risks. The table below displays the top 10 most expensive areas in Ohio for car insurance based on average rates for a single adult.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Ohio will differ. Rate data is provided by Quadrant Information Services.

What insurance coverage are you required to have?

Ohio's car insurance laws are comparable to those of other states, requiring drivers to obtain bodily injury liability coverage and property damage liability insurance. The state has outlined the minimum coverage amounts you need to obtain legal insurance, detailed below. You should consider purchasing higher than the minimum coverage limits though, to ensure you have enough protection in the event of a costly accident.

Ohio drivers also can consider optional coverages, such as collision coverage and comprehensive coverage, to include in their policy.

Ohio state minimum requirements:

Liability:

• Bodily injury — $25,000 per person
• Bodily injury — $50,000 per accident
• Property damage — $25,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence.

What is Ohio’s uninsured motorist percentage?

Uninsured motorist coverage is another optional coverage in Ohio. This provides you with protection in the event an uninsured or underinsured driver is at fault in an accident with you. Ohio’s percentage of uninsured drivers is 12.4 — the 22nd highest in the United States, according to 2015 data from the Insurance Information Institute.

While it may be optional, consider opting in given the percentage of uninsured drivers on the road in Ohio. You can always talk to your insurance carrier about discount opportunities to offset the additional cost you may end up paying. Full-coverage policies may be expensive, but they can prevent you from falling further into debt should you be in an accident with someone who doesn't have proper coverage.

How are car insurance rates calculated in Ohio?

When searching and comparing quotes from the best auto insurance companies in Ohio, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Your driving record (individuals with a clean driving record tend to pay less in car insurance than high-risk drivers)
• How much you drive
• Location
• Age
• Marital status
• Gender
• Your car’s make, model and year
• Your credit history
• Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to payout. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.

How can you save money on your car insurance in Ohio?

At the end of the day, we'd all like to have the best coverage at a cheap, affordable price from one of the best Ohio car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Monitor price changes to your policy
• Shop for better insurance rates

How does Clearsurance rate and rank the best car insurance companies in Ohio?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. When looking into insurance companies, looking at customer complaints is just as important as their customer satisfaction ratings. If they don't answer complaints, that may be a sign of poor service.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Do you have a car insurance guide for reference?

Whether you're buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Being confident in what coverage level you require is also important, because there are various types of coverage that are offered, but not all of them may be necessary depending on where you live and what sort of vehicle you drive.

Do you know what is covered by comprehensive auto coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works? Cheap rates are certainly vital to the average driver, but having financial protection should be a priority as well.

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.