Best Cheap Car Insurance In Ohio 2024 (2024)

Finding Cheap Car Insurance in Ohio

Comparison shopping to find cheap car insurance in Ohio shouldn’t be a hassle. We evaluated insurers in Ohio to find the lowest costs.

Cheap Ohio Car Insurance for Good Drivers

Hastings Mutual and Allied are the cheapest Ohio car insurance companies for good drivers, among the companies we analyzed.

Cheap Car Insurance in Ohio for Drivers With a Speeding Ticket

A speeding ticket increases car insurance rates by 20% in Ohio. The exact rate increase will vary by insurance company. Even though you’ll get hit with higher insurance rates, you can still shop around for the best car insurance.

Hastings Mutual and Allied have the cheapest average rates for drivers with a speeding ticket in Ohio, so make sure to get quotes from those companies if you’re shopping for Ohio car insurance and have a speeding ticket on your record.

Cheap Ohio Car Insurance for Drivers Who Caused an Accident With Injury

Causing a car crash that results in an injury to someone else will make it harder to find cheap car insurance. Our analysis found an average increase of 49% in Ohio compared to drivers with a good driving record.

If you cause a car accident with an injury, Hastings Mutual and Allied may have the most competitive costs among the insurers in our analysis.

Cheap Ohio Car Insurance for Drivers With a DUI

Car insurance rates in Ohio go up an average of 103% if you have a DUI conviction on your record. You can still compare car insurance quotes to find better rates.

The cheapest Ohio car insurance companies for drivers with a DUI are Allied and USAA, among the insurers we analyzed.

Cheap Ohio Car Insurance for Drivers With Poor Credit

Ohio car insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 83% more for car insurance in Ohio.

Allied and USAA may be good choices if you’re looking for cheap Ohio auto insurance and you have poor credit.

Cheap Ohio Car Insurance for Adding a Teen Driver

Adding a teen to your auto insurance increases rates by an average of 91% in Ohio, compared to rates for a married couple without a teen driver.

Take a look at quotes from Esurance and the Atlantic States if you’re looking for cheap car insurance for teens in Ohio.

Cheap Ohio Car Insurance for Young Drivers Ages 18 to 25

Getting your own car insurance is a pricey entry into adulthood. Our analysis found that Grange Mutual and Geico offer the cheapest Ohio car insurance for young drivers.

Cheap Ohio Car Insurance for Senior Drivers Ages 60-80

Grange Mutual and Geico offer the best car insurance for seniors who are looking for low-cost insurance in Ohio. Senior drivers should also find out if there’s a discount for taking a defensive driver class.

Older Adult Auto Insurance Discount in Ohio

Ohio car insurance companies must offer an older adult discount to drivers aged 60 and over who complete a Department of Public Safety-approved accident prevention course. The discount is good for three years and is renewable after that.

Least Expensive Vehicles for Ohio Auto Insurance

In Ohio, the Jeep Wrangler JL Sport, Honda CR-V LX and Subaru Crosstrek are among the cheapest cars for insurance, based on average rates for 50 top-selling models. The 20 least expensive cars to insure are below.

The most expensive cars for insurance in Ohio among popular models are the Tesla Model S Performance ($2,807 per year) and Lexus ES 300H ($1,749 per year).

Required Minimum Ohio Car Insurance

Car owners in Ohio must carry liability car insurance, which pays for injuries and damages they cause to others. This coverage type also pays for a legal defense in case you’re sued because of a car accident. If someone crashes into you, you can file a claim against their liability insurance, or sue them.

In Ohio you must purchase liability car insurance with limits of at least:

• $25,000 for bodily injury to one person
• $50,000 for bodily injury to multiple people in one accident
• $25,000 for damage to property in one accident

This is written as 25/50/25.

It’s smart to purchase higher liability car insurance limits than Ohio’s minimum requirements. Here’s why: If you cause an accident that results in multiple injuries or major property damage, the bills could exceed your insurance limits and you could be sued for the rest. It’s a good idea to buy enough liability insurance to cover your net worth or the amount you could lose in a lawsuit.

What Additional Insurance Should I Have in Ohio?

Uninsured/underinsured motorist coverage. Uninsured motorist coverage (UM) covers medical bills if you’re hit by another driver who doesn’t have any liability insurance. Underinsured motorist coverage (UIM) covers medical bills if you’re hit by a driver who has liability insurance but not enough to cover all of your medical expenses.

Medical payments (MedPay). This insurance type covers medical expenses for you and your passengers for injuries suffered in a car accident, no matter who caused the accident. It’s usually in small amounts though, such as $1,000 of coverage.

Collision and comprehensive coverage. If you want coverage for your car, these insurance types cover a host of problems, such as car theft, car accidents, hail, floods, fire, riots, vandalism, falling objects and collision with animals (like birds and deer).

If you have a car loan or lease, your lending or leasing company will most likely require you to carry collision and comprehensive insurance.

Summary: Required Ohio Car Insurance

Can I Show My Insurance ID Card from My Phone?

Ohio lets you use your phone to show an auto insurance ID card. If you’re pulled over, you don’t have to hope your ID card is somewhere in your glove compartment. Many auto insurers have mobile apps that include access to your insurance ID.

Factors Allowed in Ohio Car Insurance Rates

In addition to your driving record, past claims and vehicle model, car insurance companies in Ohio can use these factors when calculating rates for customers.

Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.

How Many Uninsured Drivers are in Ohio?

About 13% of Ohio drivers have no auto insurance, according to the Insurance Research Council. That’s why it’s good to have your own insurance for covering problems they cause, including MedPay, uninsured/underinsured motorist coverage and collision insurance.

Penalties for Driving Without Auto Insurance in Ohio

If you’re caught driving without car insurance in Ohio, you could have your driver’s license suspended for up to 90 days (and up to a year for repeat offenders). Your vehicle could be impounded and you can expect to pay impoundment fees, license/registration reinstatement fees and court costs.

When Can a Vehicle Be Totaled in Ohio?

If your car is badly damaged, car insurance companies in Ohio can declare it to be a total loss if the vehicle is “economically impractical” to repair.

Solving Ohio Insurance Problems

The Ohio Department of Insurance is responsible for regulating insurance companies and taking complaints. If you have an unresolved issue with a car insurance company, you can file a complaint.

Methodology

To find the cheapest auto insurance companies in Ohio, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.

State averages for Ohio are based on rates from Allstate, American Family, Atlantic States Insurance, Auto-Owners, Buckeye Insurance Group, Celina Insurance Group, Central Mutual, Cincinnati Insurance, Erie, Farmers, Frankenmuth Mutual, Geico, General Casualty, Grange Mutual, Hastings Mutual, Motorists Mutual, Nationwide, Ohio Mutual, Progressive, State Auto, State Farm, Travelers, USAA, Western Reserve and Westfield.