Ohio Auto Insurance

Auto insurance in Ohio

Ohio drivers pay an average of $1110 a year for full-coverage auto insurance. Ohio has some of the lowest auto insurance rates in the country, thanks to low population density in much of the state, lower repair costs, and a competitive insurance market with many regional carriers.

For drivers looking for the cheapest auto insurance in Ohio, the savings spread between carriers can exceed several hundred dollars a year for the same coverage. Comparing quotes from multiple carriers is the single biggest lever you have to lower your premium.

Ohio minimum coverage requirements

Ohio requires drivers to carry at minimum 25/50/25 liability in liability coverage. Most drivers should carry significantly more than the minimum — serious accidents routinely exceed those limits and leave drivers personally liable for the excess.

If you’re financing or leasing a vehicle, your lender will also require comprehensive and collision coverage.

Best carriers in Ohio

Erie Insurance, Westfield Insurance, and Grange Mutual all have strong regional presence and competitive rates. GEICO and State Farm are also competitive. Ohio drivers have unusual choice — comparing regional vs. national carriers usually surfaces the best rate.

Get quotes from at least three carriers — the cheapest carrier for one Ohio driver isn’t necessarily the cheapest for the next, since rates vary by ZIP code, driving record, credit, and vehicle.