Car insurance is an important purchase, but finding cheap car insurance in Ohio isn't always easy. The best way to find cheap car insurance is to compare prices from several insurance companies.
The cheapest car insurance company in Ohio is Central Insurance at an average of $614 per car. year or $51 per month, according to NerdWallet's latest analysis of full coverage auto insurance rates in Ohio. Meanwhile, the average cost of full coverage auto insurance in Ohio is $1,425 per year, or about $119 per vehicle. month.
Minimum coverage in Ohio averages $501 per year, but we found that you can probably get a cheaper policy. For example, Central Insurance offers the cheapest rates in Ohio at an average of $193 per year for car insurance with minimum coverage for a 35-year-old driver with a clean record.
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If you're looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of Ohio's largest cities, including:
Cincinnati.
Cleveland.
Columbus.
How we picked the cheapest companies in Ohio
NerdWallet's editorial team analyzed auto insurance rates from 28 Ohio auto insurance companies and listed the five cheapest options for drivers of various ages and experience, all driving a 2020 Toyota Camry L. To get minimum coverage, we looked at rates that reflect Ohio's minimum requirements. For full coverage, we used the coverage limits below:
USD 100,000 in liability for personal injury per person.
USD 300,000 personal injury liability per accident.
USD 50,000 liability for property damage per accident.
Uninsured motorist coverage of $100,000 per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
Why you can trust NerdWallet
Our writers and editors follow alongstrict editorial guidelinesto ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inconsistencies and inaccuracies in the price data, which includes prices for all locations in Ohio where coverage is offered and data is available. When we compare prices for different cover amounts, age and background, we only change one variable at a time, so you can easily see how each factor affects the price.
The cheapest for drivers over 20 years old
Drivers in their 20s may need to find many offersbest cheap car insurance. Prices can be sky high for under 20s, but they usually drop as drivers gain more experience on the road. However, some companies routinely have better insurance rates foryoung drivers, so it is best to find them in the store.
Cheapest full coverage car insurance in Ohio for 20 year olds
Ohio drivers with clean driving records may want to consider the following companies that had the lowest average rates:
Central Insurance:$950 a year or about $79 a month.
Hastings Mutual:$1,415 per year or about $118 per month.
American Family:$1,735 a year, or about $145 a month.
Erie:$2,107 per year or about $176 per month.
Passengers:$2,115 a year or about $176 a month.
Cheapest minimum coverage car insurance in ohio for 20 year olds
Ohio drivers who only want the state's minimum coverage may want to check with these companies, which had the lowest average rates:
Central Insurance:$344 per year, or about $29 per month.
Erie:$604 per year, or about $50 per month.
Hastings Mutual:$669 per year, or about $56 per month.
Passengers:$690 per year, or about $58 per month.
Buckeye:$729 per year, or about $61 per month.
Cheapest Ohio car insurance for 20 year olds with bad credit
Drivers with bad credit in Ohio should check out the following insurance companies with the lowest average rates for minimum coverage:
Central Insurance:$615 a year, or about $51 a month.
Passengers:$1,059 per year or about $88 per month.
Hastings Mutual:$1,106 per year, or about $92 per month.
Gradually:$1,152 per year or about $96 per month.
Erie:$1,236 per year or about $103 per month.
Cheapest Ohio car insurance for 20 year old drivers with one speeding ticket
For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage:
Central Insurance:$469 per year or about $39 per month.
Erie:$670 a year or about $56 a month.
Buckeye:$729 per year, or about $61 per month.
Hastings Mutual:$748 per year or about $62 per month.
Gradually:$848 per year or about $71 per month.
Cheapest Ohio car insurance for 20 year old drivers with one accident
For drivers who have recently been involved in an accident in Ohio, here are the companies with the lowest average rates for minimum coverage:
Central Insurance:$561 per year, or about $47 per month.
Hastings Mutual:$669 per year, or about $56 per month.
Buckeye:$765 per year, or about $64 per month.
Erie:$772 per year, or about $64 per month.
Frankenmuth:$883 per year, or about $74 per month.
Cheapest Ohio car insurance for 20 year old drivers after a DUI
Here's the cheapest auto insurance we've found after a DUI, along with average insurance rates for minimum coverage.
Central Insurance:$828 per year, or about $69 per month.
Gradually:$829 per year or about $69 per month.
Erie:$874 a year or about $73 a month.
American Family:$1,033 per year or about $86 per month.
Passengers:$1,037 per year or about $86 per month.
The cheapest for drivers over 30
By the time they turn 30, most drivers will enjoy lower car insurance rates than they did in their teens and 20s. However, factors such as driving experience and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of bothdiscounts on car insurance.
Cheapest full coverage car insurance in Ohio for 30 year olds
Ohio drivers with a clean record can get the lowest rates from these companies:
Hastings Mutual:$646 per year, or about $54 per month.
Central Insurance:$661 per year, or about $55 per month.
Buckeye:$689 per year, or about $57 per month.
All nations:$907 per year, or about $76 per month.
Erie:$1,005 per year or about $84 per month.
Cheapest minimum coverage car insurance in ohio for 30 year olds
Ohio drivers looking for their state's minimum coverage can check with the following companies that had the lowest average rates:
Central Insurance:$210 a year or about $18 a month.
Buckeye:$211 per year or about $18 per month.
Erie:$285 per year or about $24 per month.
Hastings Mutual:$287 per year or about $24 per month.
Car owners:$307 per year, or about $26 per month.
Cheapest Ohio car insurance for 30 year olds with bad credit
Drivers with bad credit in Ohio should consider the following companies with the lowest average rates for full coverage:
Hastings Mutual:$1,025 a year or about $85 a month.
Central Insurance:$1,246 per year or about $104 per month.
All nations:$1,290 a year or about $108 a month.
cover over:$1,771 per year, or about $148 per month.
American Family:$1,830 per year or about $152 per month.
Cheapest Ohio car insurance for 30 year old drivers with one speeding ticket
For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage:
Buckeye:$224 per year or about $19 per month.
Central Insurance:$285 per year or about $24 per month.
Erie:$297 per year or about $25 per month.
Hastings Mutual:$366 per year, or about $30 per month.
Encova:$415 a year or about $35 a month.
Cheapest Ohio car insurance for 30-year-old drivers with one accident
For Ohio drivers who have recently been in an accident, here are the lowest average price options for comprehensive coverage:
Hastings Mutual:$646 per year, or about $54 per month.
Buckeye:$868 per year, or about $72 per month.
Central Insurance:$983 per year, or about $82 per month.
Erie:$1,317 per year or about $110 per month.
Frankenmuth:$1,359 per year, or about $113 per month.
Cheapest Ohio car insurance for 30 year old drivers after a DUI
For the cheapest car insurance after a DUI, we have found the following options for full coverage.
American Family:$1,306 per year, or about $109 per month.
Gradually:$1,363 per year or about $114 per month.
Central Insurance:$1,386 per year or about $116 per month.
Erie:$1,596 per year or about $133 per month.
Passengers:$1,792 per year, or about $149 per month.
The cheapest for drivers over 40
Drivers in their 40s have better insurance rates on average than their younger counterparts, but still pay more than older age groups. Shopping for cheap car insurance quotes from multiple insurance companies is the best way to find lower rates. Good drivers who don't often get behind the wheel might want to consider thispay per mile insurance, which charges drivers according to how many kilometers they drive.
Cheapest full coverage car insurance in Ohio for 40 year olds
Ohio drivers with clean driving records may want to consider the following companies that had the lowest average rates:
Central Insurance:$588 per year or about $49 per month.
Hastings Mutual:$623 per year or about $52 per month.
Buckeye:$689 per year, or about $57 per month.
All nations:$886 per year or about $74 per month.
Erie:$936 per year, or about $78 per month.
Cheapest minimum coverage car insurance in Ohio for 40 year olds
Ohio drivers who want only minimal coverage may want to check rates from these companies, which had the lowest average rates:
Central Insurance:$187 per year or about $16 per month.
Buckeye:$211 per year or about $18 per month.
Erie:$264 per year or about $22 per month.
Hastings Mutual:$276 per year or about $23 per month.
Western reservation:$280 per year or about $23 per month.
Cheapest Ohio car insurance for 40 year olds with bad credit
Drivers with bad credit in Ohio can check out the following insurance companies with the lowest average rates for comprehensive coverage:
Hastings Mutual:$986 per year, or about $82 per month.
Central Insurance:$1,107 per year or about $92 per month.
All nations:$1,260 a year or about $105 a month.
American Family:$1,643 per year, or about $137 per month.
Passengers:$1,755 a year, or about $146 a month.
Cheapest Ohio car insurance for 40 year old drivers with one speeding ticket
For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage:
Buckeye:$224 per year or about $19 per month.
Central Insurance:$253 per year, or about $21 per month.
Erie:$275 per year or about $23 per month.
Western reservation:$352 per year, or about $29 per month.
Hastings Mutual:$354 per year, or about $30 per month.
Cheapest Ohio car insurance for 40 year old drivers with one accident
For drivers who have recently been in an accident and live in Ohio, here are the companies with the lowest average rates for comprehensive coverage:
Hastings Mutual:$623 per year or about $52 per month.
Buckeye:$868 per year, or about $72 per month.
Central Insurance:$870 a year or about $72 a month.
Erie:$1,224 per year or about $102 per month.
American Family:$1,238 per year or about $103 per month.
Cheapest Ohio car insurance for 40 year old drivers after DUI
The cheapest auto insurance we found for DUI drivers comes from the following companies.
American Family:$1,188 per year or about $99 per month.
Central Insurance:$1,223 per year or about $102 per month.
Gradually:$1,248 per year or about $104 per month.
Erie:$1,482 per year or about $124 per month.
Passengers:$1,696 per year, or about $141 per month.
The cheapest for drivers over 50
Drivers in their 50s have lower car insurance rates on average than most other age groups. Prices will continue to drop as they approach their 60s and gain more driving experience. Prices can still vary depending on other factors such as the driver's gender and location, so it's wise to shop around to find the best price. Our list ofcheap car insuranceEnterprise is a good place to start.
Cheapest full coverage car insurance in Ohio for 50 year olds
Ohio drivers with clean driving records may want to get quotes from these insurance companies, which had the lowest average rates:
Hastings Mutual:$523 per year or about $44 per month.
Central Insurance:$571 per year, or about $48 per month.
Buckeye:$615 a year, or about $51 a month.
All nations:$826 per year or about $69 per month.
American Family:$864 per year, or about $72 per month.
Cheapest minimum coverage car insurance in Ohio for 50 year olds
Ohio drivers choosing state minimum insurance should consider the following companies with the lowest average rates:
Central Insurance:$183 a year or about $15 a month.
Buckeye:$186 per year or about $16 per month.
Hastings Mutual:$227 per year or about $19 per month.
Erie:$249 per year or about $21 per month.
Western reservation:$253 per year, or about $21 per month.
Cheapest Ohio car insurance for 50 year olds with bad credit
Drivers with bad credit in Ohio can check with the following companies that have shown the lowest average rates for full coverage:
Hastings Mutual:$821 per year, or about $68 per month.
Central Insurance:$1,074 a year or about $90 a month.
All nations:$1,173 per year or about $98 per month.
American Family:$1,519 per year, or about $127 per month.
cover over:$1,607 per year or about $134 per month.
Cheapest Ohio car insurance for 50 year old drivers with one speeding ticket
For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage:
Buckeye:$198 per year or about $16 per month.
Central Insurance:$247 per year, or about $21 per month.
Erie:$259 per year or about $22 per month.
Hastings Mutual:$305 a year or about $25 a month.
Western reservation:$325 per year, or about $27 per month.
Cheapest Ohio car insurance for 50 year old single accident drivers
For drivers living in Ohio who have recently been in an accident, here are the insurance companies with the lowest average full coverage rates:
Hastings Mutual:$523 per year or about $44 per month.
Buckeye:$783 per year, or about $65 per month.
Central Insurance:$846 per year, or about $70 per month.
American Family:$1,134 per year, or about $94 per month.
Erie:$1,156 per year or about $96 per month.
Cheapest Ohio car insurance for 50 year old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with prices for full coverage.
American Family:$1,089 per year, or about $91 per month.
Gradually:$1,150 a year or about $96 a month.
Central Insurance:$1,190 per year or about $99 per month.
Erie:$1,399 per year, or about $117 per month.
Passengers:$1,670 per year, or about $139 per month.
The cheapest for drivers over 60
Although 60-year-olds have lower car insurance rates on average than many other age groups, rates will start to rise as they get older. Find cheapcar insurance for seniors, drivers in their 60s should definitely shop around to find the best price. Drivers in this age group should also take advantage of any senior discounts.
Cheapest full coverage car insurance in Ohio for 60 year olds
Ohio drivers with clean records may want to consider getting quotes from these companies, which had the lowest average rates:
Hastings Mutual:$535 a year or about $45 a month.
Central Insurance:$607 per year, or about $51 per month.
Buckeye:$615 a year, or about $51 a month.
All nations:$761 per year, or about $63 per month.
American Family:$853 per year, or about $71 per month.
Cheapest minimum coverage car insurance in Ohio for 60 year olds
Ohio drivers who only want the state's minimum coverage could check with these insurance companies, which had the lowest average rates:
Buckeye:$186 per year or about $16 per month.
Central Insurance:$197 per year or about $16 per month.
Hastings Mutual:$232 per year or about $19 per month.
Erie:$239 per year or about $20 per month.
Frankenmuth:$256 per year or about $21 per month.
Cheapest Ohio car insurance for 60 year olds with bad credit
Drivers with bad credit in Ohio can look to the following companies with the lowest average rates for full coverage:
Hastings Mutual:$840 a year or about $70 a month.
All nations:$1,078 per year or about $90 per month.
Central Insurance:$1,143 per year or about $95 per month.
Frankenmuth:$1,496 per year or about $125 per month.
American Family:$1,503 a year or about $125 a month.
Cheapest Ohio car insurance for 60 year old drivers with one speeding ticket
For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage:
Buckeye:$198 per year or about $16 per month.
Erie:$249 per year or about $21 per month.
Central Insurance:$267 per year or about $22 per month.
Hastings Mutual:$311 per year, or about $26 per month.
Frankenmuth:$328 per year, or about $27 per month.
Cheapest Ohio car insurance for 60 year old single accident drivers
For drivers who have recently been in an accident and live in Ohio, here are the companies with the lowest average rates for comprehensive coverage:
Hastings Mutual:$535 a year or about $45 a month.
Buckeye:$783 per year, or about $65 per month.
Central Insurance:$906 per year, or about $76 per month.
Frankenmuth:$1,040 per year or about $87 per month.
American Family:$1,125 a year, or about $94 a month.
Cheapest Ohio car insurance for 60 year old drivers after a DUI
The cheapest car insurance after a DUI we've found comes from the following companies, shown with their average prices for full coverage.
American Family:$1,077 per year, or about $90 per month.
Gradually:$1,113 per year or about $93 per month.
Central Insurance:$1,281 per year, or about $107 per month.
Erie:$1,367 per year, or about $114 per month.
Frankenmuth:$1,578 per year or about $132 per month.
The cheapest for drivers over 70
Car insurance costs can start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare offers from several companies. Also, look for insurance companies that offer senior discounts. For example, some insurance companies offer discounts to older drivers who take a defensive driving course.
Cheapest full coverage car insurance in Ohio for 70 year olds
Ohio drivers with clean records may want to consider getting quotes from these companies, which had the lowest average rates:
Buckeye:$643 per year or about $54 per month.
Hastings Mutual:$681 per year, or about $57 per month.
Central Insurance:$721 a year, or about $60 a month.
All nations:$894 per year or about $74 per month.
Erie:$937 per year, or about $78 per month.
Cheapest minimum coverage car insurance in Ohio for 70 year olds
Ohio drivers who only want the state's minimum coverage could check with these insurance companies, which had the lowest average rates:
Buckeye:$195 a year or about $16 a month.
Central Insurance:$247 per year, or about $21 per month.
Erie:$264 per year or about $22 per month.
Hastings Mutual:$305 a year or about $25 a month.
Frankenmuth:$312 per year, or about $26 per month.
Cheapest Ohio car insurance for 70 year olds with bad credit
Drivers with bad credit in Ohio can look to the following companies with the lowest average rates for full coverage:
Hastings Mutual:$1,082 per year or about $90 per month.
All nations:$1,270 a year or about $106 a month.
Central Insurance:$1,356 per year or about $113 per month.
American Family:$1,656 per year, or about $138 per month.
cover over:$1,670 per year, or about $139 per month.
Cheapest Ohio car insurance for 70 year old drivers with one speeding ticket
For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage:
Buckeye:$208 per year or about $17 per month.
Erie:$275 per year or about $23 per month.
Central Insurance:$335 per year or about $28 per month.
Encova:$374 per year, or about $31 per month.
Hastings Mutual:$383 per year or about $32 per month.
Cheapest Ohio car insurance for 70 year old single accident drivers
For drivers who have recently been in an accident and live in Ohio, here are the companies with the lowest average rates for comprehensive coverage:
Hastings Mutual:$681 per year, or about $57 per month.
Buckeye:$814 a year or about $68 a month.
Central Insurance:$1,091 per year, or about $91 per month.
Frankenmuth:$1,181 per year, or about $98 per month.
Erie:$1,236 per year or about $103 per month.
Cheapest Ohio car insurance for 70 year old drivers after a DUI
The cheapest car insurance after a DUI we've found comes from the following companies, shown with their average prices for full coverage.
American Family:$1,200 a year or about $100 a month.
Gradually:$1,328 per year or about $111 per month.
Erie:$1,504 a year or about $125 a month.
Central Insurance:$1,555 a year, or about $130 a month.
Frankenmuth:$1,788 per year, or about $149 per month.
Cheapest car insurance for military families
If you're active military or a veteran — or have a close family member who is — chances are you'll get a relatively low rate with USAA, a company that's not available to the public.
Because of this limitation, USAA didn't rank with the others, but it was among the five cheapest car insurance options for 65 of the 70 driver profiles we examined.
" MERE: Best car insurance for veterans and military
Minimum required car insurance in Ohio
Ohio auto insurance policies must include liability coverage, which covers someone else's property damage or claims settlement if you are responsible for the accident.
The minimum liability limits you must purchase are:
USD 25,000 personal injury liability per person.
USD 50,000 personal injury liability per accident.
USD 25,000 liability for property damage per accident.
Liability insurance for carcovers the cost of any injury, personal injury or death you cause in a car accident, up to the predefined limits of your policy.
A serious collision can cause damages that easily exceed these insurance amounts. To avoid paying accident bills out of pocket, you should consider buying more than the minimum. You may also want the usual optional coverages such as collision, comprehensive and uninsured motorist protection.
For more help planning your Ohio auto policy, visit NerdWallet's guide tocar insurance requirements by state.
Alternative car insurance in Ohio
Drivers who cannot get auto insurance on the Ohio Voluntary Market due to a checkered driving record, bad credit or other factors can apply for coverage throughOhio State Car Insurance Plan.
Or you can waive the insurance altogether if you can prove your financial responsibility to the state. Your options as an individual are:
Deposit $30,000 into the Treasury in cash or bonds.
If you and another person own real estate with at least $60,000 in equity, you can purchase a $30,000 bond from the Bureau of Motor Vehicles.
For more help getting cheap car insurance in Ohio, try NerdWallet'scar insurance comparison tool.