Car insurance quotes in Ohio
In 2026, the average cost of car insurance in Ohio is $812 for a 6-month policy — 30% cheaper than the national average.[1] We recommend checking with State Farm and Travelers first as they offer the cheapest average quotes in Ohio.
32% of Ohio drivers feel they are overpaying for auto insurance. Since many people want high-quality insurance at a reasonable price, The Zebra’s experts analyzed Ohio car insurance rates to help you find the company that offers the best value: Erie Insurance.
Cheapest full coverage in OH
- Travelers offers the cheapest full coverage in Ohio at $101/mo.
See more full coverage companies in OH ↓
Best customer service in OH
- Erie Insurance scored 684 (5.7% above average) in J.D. Power’s latest study — the highest in Ohio.[3]
See more of the best companies in OH ↓
Cheapest liability coverage in OH
- State Farm offers the cheapest liability coverage in Ohio at $35/mo.
See more minimum coverage companies in OH ↓
Cheap full coverage car insurance quotes in Ohio
Ohioans pay around $812 per 6-month period for a full coverage policy. While full coverage is more expensive than liability-only, it has many benefits, part of why 61% of The Zebra’s Ohio customers receive quotes for full coverage insurance.[2]
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $604 | $101 |
| USAA | $622 | $104 |
| State Farm | $631 | $105 |
| Nationwide | $662 | $110 |
| Ohio Mutual Ins Group | $662 | $110 |
| Progressive | $689 | $115 |
| GEICO | $717 | $120 |
| Erie | $865 | $144 |
| Farmers | $945 | $157 |
| Allstate | $1,061 | $177 |
| American Family | $1,563 | $260 |
Source: The Zebra
Local insights
Drivers near you in Ohio weigh in
“I am only paying $100 month with a fairly new car and full coverage thru GEICO. Very happy!”
– Reddit user on r/Ohio
“Husband and I are in our early 30s and we pay $150 a month through progressive for our cars. We have $250 deductibles and the highest coverages.”
– Reddit user on r/Cincinnatti
Compare car insurance rates from the best companies in Ohio.
Erie Insurance is our top pick for Ohio drivers based on consumer reviews, reputable third-party ratings, our analysis of Ohio rates data and their available coverage options.
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Cheap liability insurance in Ohio
The average cost for liability insurance in Ohio is $279 for a 6-month policy.[1] For our user profile, State Farm offers the most affordable liability insurance options in the state.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Ohio, a full coverage insurance policy with a $500 deductible costs $812, considerably more than liability-only car insurance.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $178 | $30 |
| State Farm | $207 | $35 |
| Ohio Mutual Ins Group | $210 | $35 |
| GEICO | $223 | $37 |
| Travelers | $235 | $39 |
| Progressive | $251 | $42 |
| Auto-Owners | $261 | $44 |
| Erie | $285 | $48 |
| Farmers | $340 | $57 |
| Nationwide | $350 | $58 |
| Allstate | $409 | $68 |
| American Family | $475 | $79 |
Car insurance in popular Ohio cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one. The cheapest car insurance is found in Fremont, Ohio, and the most expensive in Cleveland, Ohio.
Have a look at the table below to see average car insurance costs in some of Ohio biggest cities.
Ohio auto insurance quotes after an accident or ticket
You’ll probably pay less for car insurance if you have a clean driving record in Ohio — no at-fault accidents, speeding tickets, DUIs, or other recent citations. If you receive a ticket, your car insurance rates will probably rise. How much depends on the violation, your car insurance company’s pricing standards, and differences in local insurance risks and regulations. That’s why tickets may have a different impact on insurance in your state compared to the n
ational average.
Many of the above violations have more serious insurance consequences. Below, we offer more in-depth guides discussing two of the more severe cases: insurance after a DUI or with an SR22.
You can also learn more about general car insurance requirements in the state of Ohio.
Ohio’s auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium |
|---|---|
| 2026 | $1,625 |
| 2025 | $1,605 |
| 2024 | $1,334 |
| 2023 | $1,388 |
| 2022 | $1,179 |
| 2021 | $1,028 |
| 2020 | $926 |
| 2019 | $1,024 |
| 2018 | $1,052 |
| 2017 | $1,736 |
| 2016 | $1,448 |
| 2015 | $1,477 |
