Best Car Insurance in Ohio (2025)
State Farm, Erie, and USAA are among the top car insurance companies in Ohio.
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Since every driver’s situation is unique, finding the best car insurance can be challenging. Drivers in Ohio pay an average of $93 per month, but rates can vary. Insurify analyzed 50 different insurers in Ohio to help you find the cheapest car insurance companies.
The best car insurance companies in Ohio offer affordable policies, accessible customer service, and ample discounts.
Best car insurance companies in Ohio
Based on our analysis, the following companies represent some of the top auto insurers in Ohio. These companies offer affordable policies, accessible customer service, and significant discounts.
State Farm: Best overall
Erie: Best for cheap coverage
USAA: Best for military members
Auto-Owners: Best for discounts
Mile Auto: Best for pay-per-mile coverage
Our editorial team analyzed regional and national auto insurance companies that sell policies in Ohio to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Ohio
The companies above are excellent options if you’re shopping for new coverage, but it’s also helpful to understand some general strategies for finding the best policy. Here are several tips to keep in mind when you’re shopping for car insurance.[?]
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Average cost of car insurance in Ohio
Car insurance in Ohio costs an average of $93 per month. Ohio drivers pay an average of $118 per month for full-coverage car insurance, which includes collision, comprehensive, and liability insurance. People who opt for liability-only policies pay an average of $69 per month.
Insurance rates in Ohio are significantly lower than the national monthly averages of $177 for full coverage and $100 for liability-only insurance.
Best car insurance in Ohio FAQs
If you still have questions about the best car insurance in Ohio, this additional information may help as you research your options.
How much is car insurance in Ohio?
The overall average rate for auto insurance in Ohio is $93. Full-coverage auto insurance in Ohio costs an average of $118 per month, and drivers pay $69 on average for a liability-only policy. Your insurance rates will vary depending on where you live in Ohio, your gender, age, driving record, and other factors.
What are the best car insurance companies in Ohio?
State Farm, Erie, and USAA are among the best car insurance companies in Ohio. But the best company for you depends on your individual situation, so it’s smart to compare options and get multiple quotes. Doing so will help you find affordable coverage that works well for your situation.
What is the required auto insurance coverage amount in Ohio?
To drive legally in Ohio, drivers must purchase a minimum of $25,000 in bodily injury liability insurance per person and at least $50,000 in bodily injury liability insurance per accident. Drivers must also carry no less than $25,000 in property damage liability insurance.[?]
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