Best Car Insurance in Ohio

Last Updated on January 1, 2026

Ohio requires drivers to maintain auto insurance (or other acceptable proof of financial responsibility) to legally drive. The good news: Ohio is typically priced below the national average in most rate studies. The bad news: like everywhere else, premiums can still swing a lot based on your ZIP code, driving record, vehicle, and coverage choices.

As a recent benchmark, industry rate research published in late 2025 estimated Ohio’s average annual premium at roughly $1,842 for full coverage and $498 for minimum coverage. Treat these as directional averages—not a quote. Your price can be much higher or lower depending on your profile.

Key Takeaways

1. Ohio Minimum Limits Are 25/50/25: Drivers must carry at least $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage.
2. Ohio Is Often Below the U.S. Average: Ohio typically benchmarks lower than the national average, but your exact premium depends heavily on ZIP code, vehicle, and driving record.
3. No Insurance Can Trigger a Suspension and Fees: The Ohio BMV may suspend your license and charge reinstatement fees if you can’t show valid coverage when required.
4. SR-22 May Be Required After a Suspension: If you’re suspended for insurance-related reasons, Ohio may require an SR-22 filing to prove you carry at least minimum liability coverage.

Ohio Car Insurance Quick Facts

Tip: Minimum coverage is the cheapest way to meet legal requirements—but it often leaves you exposed in a serious crash. If you’re not sure where to start, read our guide to minimum coverage auto insurance.

Top Auto Insurance Companies in Ohio

There’s no single “best” company for every driver. The best insurer for you depends on how your carrier prices your age, ZIP code, vehicle, driving history, and credit-based insurance score (where permitted). Start by comparing multiple quotes, then weigh price against claims handling, coverage options, and discounts.

1) USAA

USAA often shines for eligible drivers thanks to strong customer satisfaction and competitive pricing. However, it’s limited to those who qualify for USAA membership, so it isn’t an option for everyone.

2) GEICO

GEICO is a common “first quote” insurer because it’s easy to shop online and frequently competitive for drivers with clean records. If you’re price-shopping, GEICO is often worth including in your comparison set.

3) Erie Insurance

Erie is a strong regional option in Ohio and is often recommended for drivers who prefer working with an agent and want a balance of coverage, service, and value. You can learn more in our Erie auto insurance review.

4) Auto-Owners

Auto-Owners is widely available through independent agents and is known for solid coverage options. It can be a particularly good fit if you want an agent to shop multiple carriers while still having a reputable insurer behind the policy. See: Is Auto-Owners a good car insurance company?

5) Westfield

Westfield is Ohio-based and a popular pick for drivers who want a mix of strong coverage and add-on options. If you’re comparing Ohio-focused brands, Westfield is usually worth a quote. Learn more: Is Westfield good for auto insurance?

6) Grange Insurance

Grange is another well-known Midwest insurer that can be competitive in Ohio, especially for drivers looking for practical coverage bundles and agent support. More details: Is Grange good for auto insurance?

7) Cincinnati Insurance

Cincinnati Insurance is headquartered in Ohio and is often considered by drivers who value a long-standing regional presence. Here’s our overview: The Cincinnati auto insurance review.

8) State Farm

State Farm is a major national insurer with a large agent network in Ohio. It’s often a strong option if you prefer face-to-face support or want to bundle auto with home or renters insurance.

9) Allstate

Allstate is another large carrier with broad coverage options and discount opportunities. It’s frequently included in comparison shopping for drivers who want a recognizable brand and robust add-ons.

10) Nationwide

Nationwide is widely available in Ohio and often competes well for certain profiles (especially depending on your ZIP code, vehicle, and driving record). It’s typically worth including if you’re getting 3–5 quotes.

Ohio Minimum Insurance Requirements

Ohio requires drivers to maintain insurance (or other acceptable financial responsibility coverage) continuously. Proof of insurance may be requested at traffic stops, accident scenes, and vehicle inspections. You can review the state’s official overview here: Ohio BMV – Mandatory Insurance.

Minimum liability requirements in Ohio are commonly written as 25/50/25:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident (two or more people)
• $25,000 property damage liability per accident

Many drivers choose higher limits than the minimum because medical bills and vehicle repairs can exceed 25/50/25 quickly. If you lease or finance your car, your lender will typically require full coverage (usually meaning liability + comprehensive + collision).

Optional Coverages to Consider in Ohio

Beyond the state minimums, these add-ons can make a big difference in real-world claims:

• Collision: Helps pay to repair/replace your car after an at-fault crash.
• Comprehensive: Helps pay for theft, vandalism, hail, animal damage, and more.
• Uninsured/Underinsured Motorist (UM/UIM): Optional in Ohio, but can be valuable protection if the other driver has little or no coverage.
• Medical Payments (MedPay): Helps cover medical bills for you/your passengers regardless of fault (limits vary).
• Rental Reimbursement & Roadside Assistance: Convenience coverages that are often inexpensive.

Driving Without Insurance in Ohio

Ohio takes continuous coverage seriously. Driving uninsured—or being unable to show proof when required—can trigger a suspension and additional requirements to get your driving privileges back.

According to the Ohio BMV, drivers who fail to show proof of insurance or other acceptable financial responsibility coverage may face:

• License suspension: until requirements are met on a first offense, one year on a second offense, and two years on additional offenses.
• Reinstatement fees: $40 (first offense), $300 (second), and $600 (third and subsequent).
• SR-22 requirement: special financial responsibility coverage on file for one year in many cases.

If you were ticketed because you couldn’t prove coverage (even if you were actually insured), see our guide on tickets for no proof of insurance and how to fix the issue quickly.

If you’re in an accident without insurance: the BMV warns you may face a security suspension for two years or more and a judgment suspension indefinitely (until damages are satisfied), on top of the penalties above.

For official reinstatement/payment-plan details (and related suspension topics), you can also review: Ohio BMV – Suspensions, Reinstatement Fees & Payment Plans.

SR-22 Insurance in Ohio

An SR-22 isn’t a special “type” of insurance coverage—it’s a filing tied to a minimum-liability policy that proves you’re carrying the required coverage after a suspension. If you’re dealing with this situation now, start here: SR-22 insurance in Ohio.

In many insurance-related suspensions, Ohio requires an SR-22 on file for one year. The easiest way to get it filed is to call an insurer (or agent) and specifically request an SR-22 filing for Ohio. Not every company prices SR-22 drivers the same, so it usually pays to compare: Is it possible to find cheap SR-22 insurance?

Important: Avoid lapses. If your SR-22 policy cancels for nonpayment or a coverage gap, you can end up back at square one with additional penalties.

How Violations Affect Ohio Car Insurance Rates

Insurers price risk differently, but these issues commonly lead to higher premiums:

• DUI/OVI: One of the biggest price triggers. Learn more: how much insurance goes up after a DUI.
• Speeding: Even one ticket can raise rates depending on severity and insurer. See: how much a single speeding ticket increases rates.
• Younger Drivers: New and young drivers typically pay more, but the right carrier and discounts can help. Start here: cheapest car insurance for young drivers.
• Credit-Based Insurance Score: In many states (including Ohio), insurers can consider credit-based insurance factors within regulatory limits. More details: does credit score affect car insurance rates?

How to Get Cheaper Car Insurance in Ohio

If your quotes feel high, focus on the levers that actually move the price:

1. Compare 3–5 quotes (rates can vary dramatically for the same driver).
2. Re-check your deductibles (higher deductibles usually lower premiums—just make sure you can afford the out-of-pocket cost).
3. Ask about discounts (bundling, good student, defensive driving, telematics, paid-in-full, multi-car).
4. Make sure your vehicle info is accurate (trim, commute miles, garaging address, ownership).
5. Right-size coverage (don’t overpay for add-ons you won’t use—but don’t underinsure liability).

FAQs About Car Insurance in Ohio

Conclusion: Finding the Best Car Insurance in Ohio

Ohio is often cheaper than the national average for car insurance, but your personal rate depends on your exact profile. The best strategy is simple: compare multiple quotes, choose realistic liability limits, and confirm you’re getting every discount you qualify for.

If you’re still seeing unusually high prices, this breakdown may help you understand what’s driving the cost: why auto insurance is so expensive in Ohio.