Here’s a breakdown of how we reviewed and rated the top auto insurance providers
Key Takeaways
- Ohio drivers can find the cheapest minimum-coverage rates from Westfield Insurance, USAA, Erie, Auto-Owners and Travelers.
- The average cost of car insurance in Ohio is $174 per month or $2,091 per year for a full-coverage policy, while minimum coverage costs $49 per month or $591 per year on average.
- Car insurance plans in Ohio are 37% cheaper, on average, for minimum coverage compared to the national average premium of $78 per month, while the state’s average full-coverage premium is 24% cheaper than the national average of $229 per month.
Ohio has some of the lowest average car insurance rates in the country, but we at the MarketWatch Guides team are always happy to help drivers save even more money. We’ve researched the cheapest car insurance providers in the Buckeye State to help Ohio drivers match quality auto coverage with affordable premiums.
What Is the Cheapest Car Insurance in Ohio?
Westfield Insurance is Ohio’s cheapest car insurance provider for minimum coverage, offering plans for $28 monthly, while USAA offers the cheapest full coverage at $136 per month. Our extensive study of 185,834 quotes from 846 ZIP codes across Ohio demonstrates Westfield Insurance’s minimum policies cost 42% cheaper than state averages while their comprehensive coverage runs 22% cheaper than typical Ohio rates.
You’ll find a list of the cheapest car insurance companies in Ohio and their average rates in the table below based on our analysis of Quadrant Information Services data from September 2025. Unless specified otherwise, rates are for a 35-year-old driver with good credit and no driving violations who is insuring a 2023 Toyota Camry.
- Cheapest Minimum Coverage Westfield Insurance ($28
- Cheapest Full Coverage USAA ($136)
- Cheapest for Teens Erie ($64)
- Cheapest for Young Adults USAA ($29)
- Cheapest for Adults USAA ($25)
- Cheapest for Seniors Erie ($31)
- Cheapest for Bad Credit USAA ($38)
- Cheapest for After a DUI USAA ($47)
- Cheapest for After an Accident USAA ($38)
- Cheapest for After a Speeding Ticket Erie ($29)
- Cheapest for After Texting While Driving Erie ($29)
Ohio state law requires that every driver carry a certain level of auto insurance coverage. The minimum coverage requirements include:
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability coverage: $25,000 per accident
Liability coverage protects other drivers, their passengers and their vehicles in accidents you cause. To meet Ohio’s minimum requirements for auto insurance, drivers don’t have to purchase comprehensive coverage, which would cover their own costs such as medical expenses or vehicle repairs after an accident.
Cheapest Car Insurance by City in Ohio
Auto insurance rates vary throughout the state of Ohio. That’s because ZIP codes have different population sizes and other risk factors. Ohio drivers in urban centers tend to pay more than those in rural parts of the state. This table shows the cheapest provider and the average monthly full-coverage rate for select cities in Ohio.
| City | Company | Average Monthly Full-Coverage Rate |
|---|---|---|
| Aberdeen | USAA | $100 |
| Ada | USAA | $91 |
| Adamsville | USAA | $96 |
| Addyston | USAA | $142 |
| Adena | Geico | $115 |
| Akron | USAA | $107 |
| Albany | USAA | $100 |
| Alexandria | USAA | $100 |
| Alger | USAA | $91 |
| Alliance | USAA | $104 |
| Alvada | USAA | $91 |
| Alvordton | USAA | $91 |
| Amanda | USAA | $108 |
| Amelia | USAA | $97 |
| Amesville | USAA | $100 |
| Amherst | USAA | $88 |
| Amlin | Nationwide | $140 |
| Amsterdam | USAA | $94 |
| Andover | USAA | $100 |
| Anna | USAA | $88 |
| Ansonia | USAA | $88 |
| Antwerp | USAA | $91 |
| Apple Creek | USAA | $93 |
| Apple Valley | USAA | $96 |
| Arcadia | USAA | $91 |
| Arcanum | USAA | $88 |
| Archbold | USAA | $91 |
| Arlington | USAA | $91 |
| Ashland | USAA | $94 |
| Ashley | USAA | $95 |
| Ashtabula | USAA | $96 |
| Ashville | USAA | $97 |
| Athens | USAA | $100 |
| Attica | USAA | $87 |
| Atwater | USAA | $99 |
| Aurora | USAA | $96 |
| Austinburg | USAA | $100 |
| Austintown | USAA | $101 |
| Avon | USAA | $90 |
| Avon Lake | USAA | $90 |
| Bainbridge | USAA | $100 |
| Baltic | USAA | $94 |
| Baltimore | USAA | $141 |
| Barberton | USAA | $93 |
| Barnesville | USAA | $101 |
| Batavia | USAA | $97 |
| Bay Village | USAA | $91 |
| Beach City | USAA | $105 |
| Beallsville | USAA | $103 |
| Beaver | USAA | $100 |
| Beavercreek | USAA | $86 |
| Bedford | USAA | $103 |
| Bellaire | USAA | $109 |
| Bellbrook | USAA | $96 |
| Belle Center | USAA | $91 |
| Bellefontaine | USAA | $91 |
| Bellevue | USAA | $87 |
| Bellville | Nationwide | $136 |
| Belmont | USAA | $101 |
| Beloit | USAA | $104 |
| Belpre | USAA | $103 |
| Berea | USAA | $91 |
| Bergholz | Geico | $115 |
| Berkey | USAA | $91 |
| Berlin Center | USAA | $109 |
| Berlin Heights | USAA | $92 |
| Bethel | USAA | $98 |
| Bethesda | USAA | $101 |
| Beverly | USAA | $103 |
| Bidwell | USAA | $109 |
| Big Prairie | USAA | $94 |
| Blanchester | USAA | $141 |
| Bloomdale | USAA | $91 |
| Bloomingburg | USAA | $100 |
| Bloomingdale | Geico | $115 |
| Bloomville | USAA | $87 |
| Blue Ash | USAA | $97 |
| Blue Creek | USAA | $100 |
| Bluffton | USAA | $89 |
| Boardman | USAA | $101 |
| Bolivar | USAA | $94 |
| Botkins | USAA | $88 |
| Bowerston | USAA | $94 |
| Bowling Green | USAA | $87 |
| Bradford | USAA | $88 |
| Bradner | USAA | $91 |
| Brecksville | USAA | $89 |
| Bremen | USAA | $98 |
| Brewster | USAA | $105 |
| Bridgeport | USAA | $109 |
| Bridgetown | USAA | $99 |
| Brilliant | Progressive | $108 |
| Brinkhaven | USAA | $94 |
| Bristolville | USAA | $102 |
| Broadview Heights | USAA | $89 |
| Brook Park | USAA | $96 |
| Brookfield | USAA | $102 |
| Brooklyn | USAA | $96 |
| Brookville | USAA | $94 |
| Brunswick | USAA | $92 |
| Bryan | USAA | $91 |
| Buckeye Lake | USAA | $103 |
| Bucyrus | USAA | $93 |
| Burbank | USAA | $93 |
| Burghill | USAA | $102 |
| Burgoon | USAA | $87 |
| Burton | USAA | $95 |
| Butler | USAA | $96 |
| Byesville | USAA | $94 |
| Cable | USAA | $96 |
| Cadiz | USAA | $94 |
| Cairo | USAA | $89 |
| Caldwell | USAA | $100 |
| Caledonia | USAA | $95 |
| Cambridge | USAA | $94 |
| Camden | USAA | $94 |
| Camp Dennison | USAA | $96 |
| Campbell | USAA | $115 |
| Canal Fulton | USAA | $105 |
| Canfield | USAA | $101 |
| Canton | Nationwide | $143 |
| Cardington | USAA | $137 |
| Carey | USAA | $93 |
| Carroll | USAA | $108 |
| Carrollton | USAA | $136 |
| Casstown | Geico | $128 |
| Castalia | USAA | $92 |
| Cecil | USAA | $91 |
| Cedarville | USAA | $93 |
| Celina | USAA | $88 |
| Centerburg | USAA | $95 |
| Centerville | USAA | $91 |
| Chagrin Falls | USAA | $95 |
| Chandlersville | USAA | $96 |
| Chardon | USAA | $100 |
| Chauncey | USAA | $100 |
| Chesapeake | USAA | $109 |
| Cheshire | USAA | $109 |
| Chesterhill | USAA | $100 |
| Chesterland | USAA | $95 |
| Chillicothe | USAA | $100 |
| Chippewa Lake | USAA | $96 |
| Cincinnati | USAA | $153 |
| Circleville | USAA | $97 |
| Clarington | USAA | $103 |
| Clarksburg | USAA | $100 |
| Clarksville | USAA | $96 |
| Clayton | USAA | $92 |
| Cleveland | USAA | $151 |
| Cleveland Heights | USAA | $102 |
| Clinton | USAA | $135 |
| Cloverdale | USAA | $89 |
| Clyde | Geico | $124 |
| Coldwater | USAA | $88 |
| College Corner | USAA | $94 |
| Collins | USAA | $94 |
| Columbia Station | Nationwide | $134 |
| Columbiana | USAA | $102 |
| Columbus | USAA | $142 |
| Columbus Grove | USAA | $89 |
| Conesville | USAA | $94 |
| Conneaut | USAA | $96 |
| Conover | Geico | $129 |
| Continental | USAA | $89 |
| Convoy | USAA | $89 |
| Coolville | USAA | $100 |
| Corning | USAA | $100 |
| Cortland | USAA | $102 |
| Coshocton | USAA | $94 |
| Covington | USAA | $88 |
| Craig Beach | USAA | $109 |
| Crestline | USAA | $93 |
| Creston | USAA | $93 |
| Crooksville | USAA | $100 |
| Croton | USAA | $108 |
| Crown City | USAA | $109 |
| Cumberland | USAA | $94 |
| Curtice | USAA | $87 |
| Custar | USAA | $91 |
| Cutler | USAA | $103 |
| Cuyahoga Falls | USAA | $96 |
| Cygnet | Nationwide | $127 |
| Dalton | USAA | $93 |
| Danville | USAA | $96 |
| Dayton | USAA | $99 |
| De Graff | USAA | $91 |
| Deerfield | USAA | $99 |
| Defiance | USAA | $91 |
| Delaware | USAA | $96 |
| Dellroy | USAA | $94 |
| Delphos | USAA | $89 |
| Delta | USAA | $91 |
| Dennison | USAA | $94 |
| Derby | USAA | $141 |
| Deshler | USAA | $91 |
| Dexter City | USAA | $100 |
| Diamond | USAA | $99 |
| Dillonvale | Geico | $115 |
| Dorset | USAA | $100 |
| Dover | USAA | $94 |
| Doylestown | USAA | $134 |
| Dresden | USAA | $94 |
| Dry Ridge | USAA | $98 |
| Dry Run | USAA | $96 |
| Dublin | USAA | $90 |
| Duncan Falls | USAA | $96 |
| Dundee | USAA | $94 |
| Dunkirk | USAA | $91 |
| East Canton | USAA | $108 |
| East Cleveland | USAA | $106 |
| East Liverpool | Geico | $109 |
| East Palestine | USAA | $102 |
| East Rochester | USAA | $102 |
| East Sparta | USAA | $105 |
| Eastlake | USAA | $95 |
| Eaton | USAA | $94 |
| Edgerton | USAA | $91 |
| Edison | USAA | $95 |
| Edon | USAA | $91 |
| Eldorado | USAA | $94 |
| Elgin | Nationwide | $121 |
| Elmore | USAA | $87 |
| Elyria | USAA | $84 |
| Englewood | USAA | $92 |
| Euclid | USAA | $153 |
| Fairborn | USAA | $88 |
| Fairfield | USAA | $100 |
| Fairlawn | USAA | $93 |
| Fairview Park | USAA | $96 |
| Farmdale | USAA | $102 |
| Farmersville | USAA | $94 |
| Fayette | USAA | $91 |
| Felicity | USAA | $98 |
| Findlay | USAA | $91 |
| Finneytown | USAA | $94 |
| Fleming | USAA | $103 |
| Fletcher | USAA | $95 |
| Flushing | USAA | $101 |
| Forest | USAA | $91 |
| Forest Park | USAA | $98 |
| Forestville | USAA | $96 |
| Fort Jennings | USAA | $89 |
| Fort Loramie | USAA | $88 |
| Fort Recovery | USAA | $88 |
| Fort Shawnee | USAA | $91 |
| Fostoria | USAA | $87 |
| Fowler | USAA | $102 |
| Frankfort | USAA | $100 |
| Franklin | USAA | $93 |
| Franklin Furnace | USAA | $109 |
| Frazeysburg | USAA | $94 |
| Fredericksburg | USAA | $94 |
| Fredericktown | USAA | $139 |
| Freeport | USAA | $94 |
| Fremont | USAA | $87 |
| Fresno | USAA | $94 |
| Fulton | USAA | $95 |
| Gahanna | USAA | $100 |
| Galena | USAA | $95 |
| Galion | USAA | $93 |
| Gallipolis | USAA | $109 |
| Gambier | USAA | $96 |
| Garfield Heights | USAA | $101 |
| Garrettsville | Nationwide | $136 |
| Gates Mills | USAA | $99 |
| Geneva | USAA | $96 |
| Genoa | USAA | $87 |
| Georgetown | USAA | $147 |
| Germantown | USAA | $137 |
| Gibsonburg | USAA | $87 |
| Girard | USAA | $107 |
| Glenford | USAA | $100 |
| Glouster | USAA | $100 |
| Gnadenhutten | USAA | $94 |
| Gomer | Progressive | $130 |
| Goshen | USAA | $98 |
| Grafton | USAA | $96 |
| Grand Rapids | USAA | $91 |
| Granville | USAA | $98 |
| Graysville | USAA | $103 |
| Graytown | USAA | $87 |
| Green | USAA | $97 |
| Green Meadows | USAA | $95 |
| Green Springs | USAA | $87 |
| Greenfield | USAA | $100 |
| Greenhills | USAA | $98 |
| Greenville | USAA | $88 |
| Greenwich | USAA | $94 |
| Grove City | USAA | $97 |
| Groveport | USAA | $109 |
| Grover Hill | USAA | $91 |
| Guysville | USAA | $100 |
| Hamden | USAA | $100 |
| Hamersville | USAA | $100 |
| Hamilton | USAA | $145 |
| Hamler | USAA | $91 |
| Hammondsville | Geico | $115 |
| Hanoverton | USAA | $102 |
| Harpster | USAA | $93 |
| Harrison | USAA | $94 |
| Harrod | USAA | $89 |
| Hartville | USAA | $104 |
| Haviland | USAA | $91 |
| Heath | USAA | $98 |
| Hebron | USAA | $103 |
| Helena | USAA | $87 |
| Hicksville | USAA | $91 |
| Hilliard | USAA | $98 |
| Hillsboro | USAA | $97 |
| Hinckley | Nationwide | $128 |
| Hiram | USAA | $99 |
| Holgate | USAA | $91 |
| Holland | USAA | $95 |
| Holmesville | USAA | $94 |
| Homerville | USAA | $96 |
| Hopedale | USAA | $94 |
| Hopewell | USAA | $136 |
| Houston | USAA | $88 |
| Hubbard | USAA | $102 |
| Huber Heights | USAA | $92 |
| Hudson | USAA | $91 |
| Huntsburg | USAA | $100 |
| Huntsville | USAA | $91 |
| Huron | USAA | $92 |
| Iberia | USAA | $138 |
| Irondale | Geico | $156 |
| Ironton | USAA | $109 |
| Jackson | USAA | $100 |
| Jackson Center | USAA | $88 |
| Jacobsburg | USAA | $109 |
| Jamestown | USAA | $96 |
| Jefferson | USAA | $144 |
| Jeffersonville | USAA | $100 |
| Jenera | USAA | $91 |
| Jeromesville | USAA | $94 |
| Jerusalem | USAA | $103 |
| Jewett | USAA | $94 |
| Johnstown | USAA | $108 |
| Junction City | USAA | $100 |
| Kelleys Island | USAA | $92 |
| Kensington | USAA | $94 |
| Kent | USAA | $97 |
| Kenton | USAA | $91 |
| Kenwood | USAA | $97 |
| Kettering | USAA | $93 |
| Killbuck | USAA | $94 |
| Kimbolton | USAA | $94 |
| Kings Mills | USAA | $96 |
| Kingston | USAA | $100 |
| Kingsville | USAA | $100 |
| Kinsman | USAA | $102 |
| Kirkersville | USAA | $100 |
| Kitts Hill | USAA | $109 |
| La Rue | USAA | $95 |
| LaGrange | Nationwide | $134 |
| Lake Lorelei | USAA | $100 |
| Lakemore | USAA | $97 |
| Lakeside Marblehead | USAA | $87 |
| Lakeview | USAA | $91 |
| Lakewood | USAA | $98 |
| Lancaster | USAA | $98 |
| Langsville | USAA | $109 |
| Laura | USAA | $88 |
| Laurelville | USAA | $100 |
| Leavittsburg | USAA | $104 |
| Lebanon | USAA | $98 |
| Leesburg | USAA | $97 |
| Leetonia | USAA | $102 |
| Leipsic | USAA | $89 |
| Lewis Center | USAA | $93 |
| Lewisburg | USAA | $94 |
| Lewistown | USAA | $91 |
| Lewisville | USAA | $103 |
| Liberty Center | USAA | $91 |
| Lima | USAA | $91 |
| Lindsey | USAA | $87 |
| Lisbon | USAA | $102 |
| Litchfield | USAA | $96 |
| Lithopolis | USAA | $108 |
| Little Hocking | USAA | $103 |
| Lodi | USAA | $96 |
| Logan | USAA | $100 |
| London | USAA | $96 |
| Londonderry | USAA | $100 |
| Long Bottom | USAA | $109 |
| Lorain | USAA | $88 |
| Lordstown | USAA | $102 |
| Lore City | USAA | $94 |
| Loudonville | USAA | $96 |
| Louisville | USAA | $108 |
| Loveland | USAA | $97 |
| Lowell | USAA | $103 |
| Lowellville | USAA | $101 |
| Lower Salem | USAA | $103 |
| Lucas | USAA | $91 |
| Lucasville | USAA | $109 |
| Luckey | USAA | $87 |
| Ludlow Falls | USAA | $88 |
| Lynchburg | USAA | $97 |
| Lynx | USAA | $100 |
| Lyons | USAA | $91 |
| Macedonia | USAA | $86 |
| Macksburg | USAA | $103 |
| Madeira | USAA | $99 |
| Madison | USAA | $96 |
| Magnolia | USAA | $94 |
| Maineville | USAA | $97 |
| Malta | USAA | $100 |
| Malvern | USAA | $94 |
| Manchester | USAA | $100 |
| Mansfield | USAA | $91 |
| Mantua | USAA | $99 |
| Maple Heights | USAA | $101 |
| Marengo | USAA | $95 |
| Maria Stein | USAA | $88 |
| Marietta | USAA | $103 |
| Marion | USAA | $95 |
| Marshallville | USAA | $93 |
| Martin | Nationwide | $126 |
| Martins Ferry | USAA | $109 |
| Martinsville | USAA | $97 |
| Marysville | USAA | $96 |
| Mason | USAA | $96 |
| Massillon | Progressive | $105 |
| Masury | USAA | $102 |
| Maumee | USAA | $95 |
| Mayfield Heights | USAA | $99 |
| Mc Comb | USAA | $91 |
| Mc Dermott | USAA | $109 |
| McArthur | USAA | $100 |
| McClure | USAA | $91 |
| McDonald | USAA | $107 |
| Mcconnelsville | USAA | $100 |
| Mechanicsburg | USAA | $96 |
| Mechanicstown | USAA | $94 |
| Medina | USAA | $93 |
| Medway | USAA | $95 |
| Mendon | USAA | $88 |
| Mentor | USAA | $96 |
| Metamora | USAA | $91 |
| Miami Heights | USAA | $98 |
| Miamisburg | USAA | $94 |
| Miamiville | USAA | $140 |
| Middle Point | USAA | $89 |
| Middlefield | USAA | $100 |
| Middleport | USAA | $109 |
| Middletown | USAA | $99 |
| Midland | USAA | $97 |
| Milan | USAA | $92 |
| Milford | USAA | $97 |
| Milford Center | USAA | $96 |
| Millbury | USAA | $94 |
| Millersburg | USAA | $94 |
| Millersport | USAA | $98 |
| Millfield | USAA | $100 |
| Milton Center | USAA | $91 |
| Mineral City | USAA | $94 |
| Mineral Ridge | USAA | $107 |
| Minerva | Geico | $147 |
| Minford | USAA | $109 |
| Mingo Junction | Progressive | $108 |
| Minster | USAA | $88 |
| Mogadore | USAA | $97 |
| Monclova | USAA | $94 |
| Monroe | USAA | $94 |
| Monroeville | USAA | $94 |
| Montpelier | USAA | $91 |
| Montville | USAA | $100 |
| Moraine | USAA | $93 |
| Morral | USAA | $95 |
| Morrow | USAA | $97 |
| Moscow | USAA | $98 |
| Mount Blanchard | USAA | $91 |
| Mount Cory | USAA | $91 |
| Mount Gilead | USAA | $95 |
| Mount Orab | USAA | $146 |
| Mount Sterling | USAA | $100 |
| Mount Vernon | USAA | $96 |
| Mount Victory | USAA | $91 |
| Mowrystown | USAA | $97 |
| Munroe Falls | USAA | $96 |
| Napoleon | USAA | $91 |
| Nashport | USAA | $96 |
| Navarre | USAA | $105 |
| Nelsonville | USAA | $146 |
| Nevada | USAA | $93 |
| New Albany | USAA | $95 |
| New Bavaria | USAA | $91 |
| New Bloomington | USAA | $95 |
| New Bremen | USAA | $88 |
| New Carlisle | USAA | $95 |
| New Concord | USAA | $94 |
| New Franklin | USAA | $93 |
| New Holland | USAA | $100 |
| New Knoxville | USAA | $88 |
| New Lebanon | USAA | $94 |
| New Lexington | USAA | $146 |
| New London | USAA | $94 |
| New Madison | USAA | $88 |
| New Marshfield | USAA | $100 |
| New Matamoras | USAA | $103 |
| New Middletown | USAA | $109 |
| New Paris | USAA | $94 |
| New Philadelphia | USAA | $94 |
| New Plymouth | USAA | $146 |
| New Richmond | USAA | $142 |
| New Riegel | USAA | $87 |
| New Springfield | USAA | $109 |
| New Straitsville | USAA | $100 |
| New Vienna | USAA | $97 |
| New Washington | USAA | $93 |
| New Waterford | Geico | $109 |
| New Weston | USAA | $88 |
| Newark | USAA | $98 |
| Newbury | USAA | $95 |
| Newcomerstown | USAA | $94 |
| Newport | USAA | $103 |
| Newton Falls | Nationwide | $146 |
| Newtonsville | USAA | $143 |
| Ney | USAA | $91 |
| Niles | USAA | $107 |
| North Baltimore | USAA | $91 |
| North Bend | USAA | $98 |
| North Benton | USAA | $104 |
| North Bloomfield | USAA | $102 |
| North Canton | USAA | $98 |
| North Fairfield | USAA | $94 |
| North Jackson | USAA | $109 |
| North Lawrence | USAA | $105 |
| North Lewisburg | USAA | $96 |
| North Lima | USAA | $109 |
| North Olmsted | USAA | $91 |
| North Ridgeville | USAA | $86 |
| North Royalton | USAA | $89 |
| North Star | USAA | $88 |
| Northbrook | USAA | $98 |
| Northfield | USAA | $86 |
| Northwood | USAA | $94 |
| Norwalk | USAA | $94 |
| Norwich | USAA | $94 |
| Norwood | USAA | $110 |
| Nova | USAA | $94 |
| Novelty | USAA | $95 |
| Oak Harbor | USAA | $87 |
| Oak Hill | USAA | $100 |
| Oakwood | USAA | $90 |
| Oberlin | USAA | $96 |
| Ohio City | USAA | $89 |
| Okeana | USAA | $94 |
| Olmsted Falls | USAA | $91 |
| Oregon | USAA | $94 |
| Orient | USAA | $97 |
| Orrville | USAA | $93 |
| Orwell | USAA | $100 |
| Ostrander | USAA | $96 |
| Ottawa | USAA | $89 |
| Ottoville | Nationwide | $126 |
| Otway | USAA | $109 |
| Oxford | USAA | $94 |
| Painesville | USAA | $97 |
| Pandora | USAA | $89 |
| Paris | USAA | $108 |
| Parma | USAA | $94 |
| Parma Heights | USAA | $96 |
| Pataskala | USAA | $100 |
| Patriot | USAA | $109 |
| Paulding | USAA | $91 |
| Payne | USAA | $91 |
| Pedro | USAA | $109 |
| Peebles | USAA | $100 |
| Pemberville | USAA | $87 |
| Perry | Nationwide | $126 |
| Perrysburg | USAA | $94 |
| Perrysville | USAA | $96 |
| Petersburg | USAA | $109 |
| Phillipsburg | USAA | $94 |
| Philo | USAA | $94 |
| Pickerington | USAA | $100 |
| Pierpont | USAA | $100 |
| Piketon | USAA | $100 |
| Pioneer | USAA | $91 |
| Piqua | USAA | $88 |
| Plain City | USAA | $96 |
| Pleasant City | USAA | $100 |
| Pleasant Hill | USAA | $88 |
| Pleasant Plain | USAA | $97 |
| Pleasantville | USAA | $98 |
| Plymouth | USAA | $94 |
| Polk | USAA | $94 |
| Pomeroy | USAA | $109 |
| Port Clinton | USAA | $87 |
| Port Washington | USAA | $94 |
| Portage Lakes | USAA | $93 |
| Portland | USAA | $109 |
| Portsmouth | USAA | $107 |
| Powell | USAA | $90 |
| Powhatan Point | USAA | $101 |
| Proctorville | USAA | $109 |
| Prospect | USAA | $96 |
| Put In Bay | USAA | $87 |
| Quaker City | USAA | $94 |
| Quincy | USAA | $91 |
| Racine | USAA | $109 |
| Ravenna | USAA | $99 |
| Rawson | USAA | $91 |
| Ray | USAA | $100 |
| Rayland | Progressive | $114 |
| Reading | USAA | $97 |
| Reedsville | USAA | $109 |
| Republic | USAA | $87 |
| Reynoldsburg | USAA | $99 |
| Richfield | USAA | $92 |
| Richmond | Progressive | $109 |
| Richmond Heights | USAA | $99 |
| Richwood | USAA | $96 |
| Ridgeway | USAA | $132 |
| Ripley | USAA | $100 |
| Risingsun | USAA | $87 |
| Rittman | USAA | $134 |
| Roaming Shores | USAA | $100 |
| Rock Creek | USAA | $100 |
| Rockbridge | USAA | $100 |
| Rockford | USAA | $88 |
| Rocky River | USAA | $92 |
| Rogers | Geico | $109 |
| Rootstown | USAA | $99 |
| Roseville | USAA | $94 |
| Rossford | USAA | $94 |
| Rudolph | Nationwide | $127 |
| Rushsylvania | USAA | $91 |
| Rushville | USAA | $98 |
| Russells Point | USAA | $91 |
| Russellville | USAA | $100 |
| Russia | USAA | $88 |
| Rutland | USAA | $109 |
| Sabina | USAA | $97 |
| Salem | USAA | $102 |
| Salesville | USAA | $94 |
| Salineville | USAA | $102 |
| Sandusky | USAA | $92 |
| Sardinia | USAA | $100 |
| Sardis | USAA | $103 |
| Scio | USAA | $94 |
| Scottown | USAA | $109 |
| Seaman | USAA | $100 |
| Sebring | USAA | $104 |
| Senecaville | USAA | $94 |
| Seven Hills | USAA | $89 |
| Seven Mile | USAA | $136 |
| Seville | USAA | $96 |
| Shadyside | USAA | $101 |
| Shaker Heights | USAA | $102 |
| Sharon Center | USAA | $91 |
| Sharonville | USAA | $98 |
| Shawnee | USAA | $100 |
| Sheffield Lake | USAA | $95 |
| Shelby | USAA | $94 |
| Sherrodsville | USAA | $94 |
| Sherwood | USAA | $91 |
| Shiloh | USAA | $94 |
| Shreve | USAA | $96 |
| Sidney | USAA | $88 |
| Sixteen Mile Stand | USAA | $98 |
| Smithville | USAA | $93 |
| Solon | USAA | $95 |
| Somerset | USAA | $100 |
| Somerville | USAA | $94 |
| South Bloomingville | USAA | $147 |
| South Charleston | USAA | $96 |
| South Euclid | USAA | $106 |
| South Lebanon | USAA | $97 |
| South Point | USAA | $109 |
| South Salem | USAA | $100 |
| South Solon | USAA | $100 |
| South Vienna | USAA | $96 |
| South Webster | USAA | $109 |
| Southington | USAA | $102 |
| Spencer | USAA | $96 |
| Spencerville | USAA | $89 |
| Spring Valley | USAA | $93 |
| Springboro | USAA | $92 |
| Springdale | USAA | $98 |
| Springfield | Geico | $97 |
| St. Bernard | USAA | $97 |
| St. Clairsville | USAA | $101 |
| St. Henry | USAA | $88 |
| St. Louisville | USAA | $108 |
| St. Marys | USAA | $88 |
| St. Paris | USAA | $96 |
| Sterling | USAA | $93 |
| Steubenville | Progressive | $113 |
| Stewart | USAA | $100 |
| Stockport | USAA | $100 |
| Stone Creek | USAA | $94 |
| Stout | USAA | $109 |
| Stoutsville | USAA | $108 |
| Stow | USAA | $94 |
| Strasburg | USAA | $94 |
| Streetsboro | USAA | $96 |
| Strongsville | USAA | $84 |
| Struthers | USAA | $115 |
| Stryker | USAA | $91 |
| Sugar Grove | USAA | $98 |
| Sugarcreek | USAA | $94 |
| Sullivan | USAA | $94 |
| Summerfield | USAA | $100 |
| Sunbury | USAA | $95 |
| Swanton | USAA | $91 |
| Sycamore | USAA | $93 |
| Sylvania | USAA | $95 |
| Tallmadge | USAA | $97 |
| Terrace Park | USAA | $96 |
| The Plains | USAA | $100 |
| Thompson | USAA | $100 |
| Thornville | Geico | $145 |
| Thurman | USAA | $109 |
| Tiffin | USAA | $87 |
| Tiltonsville | Progressive | $106 |
| Tipp City | USAA | $88 |
| Tippecanoe | USAA | $94 |
| Tiro | USAA | $93 |
| Toledo | Nationwide | $166 |
| Toronto | Progressive | $148 |
| Trenton | USAA | $94 |
| Trotwood | USAA | $99 |
| Troy | USAA | $88 |
| Tuscarawas | USAA | $94 |
| Twinsburg | USAA | $88 |
| Uhrichsville | USAA | $94 |
| Union City | USAA | $88 |
| Upper Arlington | USAA | $94 |
| Upper Sandusky | USAA | $93 |
| Urbana | USAA | $96 |
| Utica | USAA | $108 |
| Valley City | USAA | $96 |
| Van Buren | USAA | $91 |
| Van Wert | USAA | $89 |
| Vandalia | USAA | $94 |
| Vanlue | USAA | $91 |
| Venedocia | USAA | $89 |
| Vermilion | USAA | $92 |
| Versailles | USAA | $88 |
| Vickery | USAA | $87 |
| Vienna | USAA | $102 |
| Vincent | USAA | $103 |
| Vinton | USAA | $109 |
| Wadsworth | USAA | $91 |
| Wakeman | USAA | $94 |
| Walbridge | USAA | $94 |
| Walhonding | USAA | $96 |
| Wapakoneta | USAA | $88 |
| Warren | Nationwide | $142 |
| Warsaw | USAA | $94 |
| Washington Court House | USAA | $100 |
| Waterford | USAA | $103 |
| Waterloo | USAA | $109 |
| Waterville | USAA | $91 |
| Wauseon | USAA | $91 |
| Waverly City | USAA | $100 |
| Wayland | Nationwide | $137 |
| Wayne | USAA | $91 |
| Waynesburg | USAA | $105 |
| Waynesfield | USAA | $88 |
| Waynesville | USAA | $96 |
| Wellington | USAA | $96 |
| Wellston | USAA | $100 |
| Wellsville | Geico | $109 |
| West Alexandria | USAA | $94 |
| West Carrollton | USAA | $94 |
| West Chester | USAA | $98 |
| West Farmington | USAA | $102 |
| West Jefferson | USAA | $96 |
| West Lafayette | USAA | $94 |
| West Liberty | USAA | $91 |
| West Manchester | USAA | $94 |
| West Mansfield | USAA | $96 |
| West Milton | USAA | $88 |
| West Portsmouth | USAA | $109 |
| West Salem | Nationwide | $135 |
| West Union | USAA | $100 |
| West Unity | USAA | $91 |
| Westerville | USAA | $97 |
| Westfield Center | USAA | $96 |
| Westlake | USAA | $90 |
| Weston | USAA | $91 |
| Wharton | USAA | $93 |
| Wheelersburg | USAA | $109 |
| Whipple | USAA | $150 |
| White Oak | USAA | $96 |
| Whitehall | USAA | $100 |
| Whitehouse | USAA | $91 |
| Wickliffe | USAA | $96 |
| Wilberforce | USAA | $93 |
| Wilkesville | USAA | $100 |
| Willard | USAA | $94 |
| Williamsburg | USAA | $98 |
| Williamsfield | USAA | $100 |
| Williamsport | USAA | $97 |
| Williamstown | Geico | $132 |
| Willoughby | USAA | $95 |
| Willow Wood | USAA | $109 |
| Willshire | USAA | $89 |
| Wilmington | USAA | $97 |
| Winchester | USAA | $100 |
| Windham | USAA | $99 |
| Windsor | USAA | $100 |
| Woodsfield | USAA | $103 |
| Woodstock | USAA | $139 |
| Woodville | USAA | $87 |
| Wooster | USAA | $93 |
| Worthington | USAA | $97 |
| Wright-Patterson AFB | USAA | $78 |
| Xenia | USAA | $93 |
| Yellow Springs | USAA | $93 |
| Yorkshire | USAA | $88 |
| Yorkville | Progressive | $143 |
| Youngstown | USAA | $168 |
| Zanesfield | USAA | $91 |
| Zanesville | USAA | $96 |
Cheapest Car Insurance Coverage in Ohio
The price you pay for car insurance depends heavily on the coverage level you select. Although minimum-coverage policies are more affordable, they result in higher out-of-pocket costs to you in the case of an accident and a much smaller scope of coverage. The providers shown in this article are selected purely based on cost, but we recommend that you also consider the best auto insurance providers in Ohio, which we have specially selected after reviewing the top providers in the nation, before making a final decision.
Cheapest Ohio Minimum-Coverage Auto Insurance
Ohio Average Minimum-Coverage Cost: $49 per month
On average, Westfield Insurance offers the cheapest minimum-liability car insurance in Ohio at $28 per month — about 42% cheaper than the state average. If you don’t qualify for Westfield Insurance coverage, USAA rates are the next cheapest for a minimum-liability auto policy in Ohio.
| Company | Average Monthly Minimum-Coverage Rate | Monthly Savings Compared to Ohio Average ($) | Monthly Savings Compared to Ohio Average (%) |
|---|---|---|---|
| Westfield Insurance | $28 | $21 | 42% |
| USAA | $30 | $19 | 38% |
| Erie | $30 | $19 | 38% |
| Auto-Owners | $44 | $6 | 12% |
| Travelers | $46 | $4 | 7% |
Cheapest Ohio Full-Coverage Auto Insurance
Ohio Average Full-Coverage Cost: $174 per month
Based on our research, USAA provides the cheapest full-coverage insurance in Ohio at $136 per month on average, which is about 22% cheaper than the state average. If you don’t qualify for USAA coverage, try Nationwide, which has the second-cheapest Ohio full-coverage auto insurance.
| Company | Average Monthly Full-Coverage Rate | Monthly Savings Compared to Ohio Average ($) | Monthly Savings Compared to Ohio Average (%) |
|---|---|---|---|
| USAA | $136 | $38 | 22% |
| Nationwide | $146 | $28 | 16% |
| Geico | $150 | $24 | 14% |
| Progressive | $155 | $19 | 11% |
| Erie | $157 | $17 | 10% |
Cheapest Car Insurance by Age in Ohio
Your age has a significant impact on the cost of car insurance in Ohio. Average premiums are the highest for teens, but rates level out for young adults and then gradually decrease for adults until you enter your 70s, when rates typically rise again. Take a look at the cheapest providers for each age category below.
Cheapest Ohio Auto Insurance for Teens
Ohio Minimum-Coverage Average for Teen Drivers: $167 per month
Ohio Full-Coverage Average for Teen Drivers: $449 per month
Teen drivers in Ohio can expect to pay higher car insurance rates than other age groups due to their inexperience on the road. According to our cost estimates, 16-year-old drivers can find the most affordable minimum- car insurance through Erie. The provider’s rate for minimum coverage is $64 per month on average (62% cheaper than the state average for teens). For full-coverage auto insurance, Erie’s average premium for Ohio teen drivers is $310 per month, which is 31% cheaper than the state average.
See the cheapest rates for 16-year-old drivers below.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Erie | $64 |
| USAA | $116 |
| Auto-Owners | $132 |
| Geico | $136 |
| Nationwide | $158 |
*Rates are for 16-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Erie | $310 |
| Nationwide | $341 |
| Geico | $350 |
| Auto-Owners | $433 |
| USAA | $453 |
*Rates are for 16-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Ohio Auto Insurance for Young Adults
Ohio Minimum-Coverage Average for Young Adults: $48 per month
Ohio Full-Coverage Average for Young Adults: $167 per month
On average, USAA provides the most affordable minimum- car insurance rates for 25-year-old Ohio drivers. For policyholders who qualify, USAA’s average minimum-coverage premium is $29 per month. This is 41% cheaper than the state average for young adults. For full coverage, USAA policyholders in Ohio pay an average of $117 per month — nearly 30% cheaper than the state average. If you aren’t in the military or have a family member who qualifies for a USAA policy, the next cheapest providers in Ohio for young adult drivers are Erie and Geico.
See the cheapest rates for 25-year-old drivers below.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $29 |
| Erie | $34 |
| Travelers | $37 |
| Geico | $44 |
| Progressive | $51 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $117 |
| Geico | $126 |
| Progressive | $135 |
| Nationwide | $141 |
| Travelers | $143 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Ohio Auto Insurance for Seniors
Ohio Minimum-Coverage Average for Seniors: $51 per month
Ohio Full-Coverage Average for Seniors: $154 per month
In Ohio, Erie offers the cheapest minimum-coverage auto insurance for 75-year-olds at an average rate of $31 per month. This is 39% cheaper than the state average for seniors. USAA is the cheapest option for full coverage with an average rate of $106 per month, which is 31% cheaper the state average.
See the cheapest rates for 75-year-old drivers below.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Erie | $31 |
| USAA | $33 |
| Travelers | $42 |
| Geico | $46 |
| Auto-Owners | $47 |
*Rates are for 75-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $106 |
| Progressive | $116 |
| Nationwide | $126 |
| Geico | $133 |
| Travelers | $134 |
*Rates are for 75-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Car Insurance for High-Risk Drivers in Ohio
Age is not the only factor that heavily impacts car insurance costs. Your driving history and credit score will also influence your annual rate for car insurance. The sections below provide the average cost of car insurance premiums for several different driving situations.
Cheapest Ohio Auto Insurance for Bad Credit
Ohio Minimum-Coverage Average for Bad Credit: $66 per month
Ohio Full-Coverage Average for Bad Credit: $250 per month
In the Buckeye State, insurers can legally use your credit score to determine your insurance rates. Drivers with bad credit will pay more expensive insurance premiums than those with good credit.
USAA is the cheapest option for Ohio drivers with bad credit, with minimum-coverage rates 43% cheaper than the state average. For full coverage, the average USAA plan is 29% cheaper than the statewide average premium for a driver with bad credit. If you aren’t eligible for USAA coverage, the next cheapest auto insurance options in Ohio come from Erie for minimum coverage and Geico for full coverage.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $38 |
| Erie | $52 |
| Geico | $55 |
| Travelers | $57 |
| Progressive | $60 |
*Rates are for a 35-year-old driver with good credit and who owns a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $178 |
| Geico | $187 |
| Progressive | $194 |
| Nationwide | $212 |
| Travelers | $217 |
*Rates are for a 35-year-old driver with good credit and who owns a 2023 Toyota Camry.
Cheapest Ohio Auto Insurance After a DUI
Ohio Minimum-Coverage Average After a DUI: $68 per month
Ohio Full-Coverage Average After a DUI: $235 per month
A DUI on your driving record is considered a major risk factor. Therefore, if you’ve been charged with one, you’ll see a big increase in your premiums. USAA offers the cheapest minimum-coverage car insurance for drivers with a DUI. The average monthly rate is $47 per month, which is 31% cheaper than the average premium in Ohio for drivers after a DUI. Progressive offers the cheapest full coverage after a DUI at rates that are 34% cheaper than the state average.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $47 |
| Travelers | $51 |
| Progressive | $54 |
| Erie | $57 |
| Geico | $59 |
*Rates are for a 35-year-old driver with no driving violations who owns a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Progressive | $157 |
| Nationwide | $168 |
| Geico | $174 |
| USAA | $185 |
| Travelers | $195 |
*Rates are for a 35-year-old driver with no driving violations who owns a 2023 Toyota Camry.
Cheapest Ohio Auto Insurance After an Accident
Ohio Minimum-Coverage Average After an Accident: $62 per month
Ohio Full-Coverage Average After an Accident: $214 per month
If you have a recent at-fault accident on your record, you’ll have to pay a more expensive coverage. We found that USAA offers the cheapest minimum-coverage rates in this scenario, with an average rate that is 39% cheaper than the state average. For full coverage, USAA offers the cheapest rate at $147 per month on average.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $38 |
| Erie | $43 |
| Travelers | $50 |
| Auto-Owners | $53 |
| Geico | $55 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $147 |
| Geico | $171 |
| Erie | $182 |
| Nationwide | $183 |
| Travelers | $189 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
Cheapest Ohio Auto Insurance After a Speeding Ticket
Ohio Minimum-Coverage Average After a Speeding Ticket: $51 per month
Ohio Full-Coverage Average After a Speeding Ticket: $179 per month
A speeding ticket on your driving record will also cause your auto insurance rates to go up. For minimum coverage, we found Erie to be the cheapest option in this case, offering an average monthly rate that’s about 42% cheaper than the state average. For full coverage, USAA offers the cheapest rate, offering an average monthly rate that’s 30% cheaper than the state average rate.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Erie | $29 |
| USAA | $31 |
| Travelers | $44 |
| Auto-Owners | $48 |
| Geico | $48 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
| Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $125 |
| Erie | $138 |
| Geico | $149 |
| Nationwide | $156 |
| Progressive | $166 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
Cheapest Ohio Auto Insurance After a Texting While Driving Ticket
Ohio Minimum-Coverage Average After a Texting While Driving Ticket: $51 per month
Ohio Full-Coverage Average After a Texting While Driving Ticket: $176 per month
Erie is the cheapest option for Ohio drivers with a “texting while driving” ticket, with minimum coverage available for 42% cheaper the state average. USAA offers the cheapest full coverage for these drivers, with an average rate that’s 29% cheaper than the state average. Erie offers the next most affordable full-coverage policies.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Erie | $29 |
| USAA | $31 |
| Auto-Owners | $34 |
| Geico | $47 |
| Travelers | $51 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $125 |
| Erie | $138 |
| Geico | $144 |
| Auto-Owners | $151 |
| Nationwide | $156 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
Frequently Asked Questions About Cheap Car Insurance in Ohio
Based on our rate estimates, Westfield Insurance charges the least for car insurance in Ohio. However, only military service members, veterans or their family members qualify for insurance through USAA. If you aren’t affiliated with the military, USAA is the next cheapest minimum-coverage car insurance provider in Ohio, costing an average of $30 per month. Behind Westfield Insurance, USAA offers the best rates for full-coverage insurance in the Buckeye State at $136 per month on average.
Our research shows that most drivers pay an average of $174 per month for full-coverage car insurance in Ohio. Minimum coverage costs about $49 per month on average.
Liability-only car insurance is the lowest form of car insurance available and is typically required in every state. It helps pay for injuries sustained by other drivers and their passengers, as well as any property damage that occurs, if you cause an accident. However, liability-only coverage doesn’t cover you, your passengers or your vehicle.
How We Chose the Cheapest Car Insurance in Ohio
Our comprehensive rating system utilizes the latest 2025 insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in the state of Ohio, we’ve averaged rates from the 12 most popular providers across 846 Ohio ZIP codes. Unless otherwise specified, our base driver profiles for Ohio insurance quotes include male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.
We’ve also looked at quotes for Ohio drivers of multiple ages and those with a history of accidents, speeding tickets, DUIs or poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Ohio, while our full-coverage quotes reflect the following coverage amounts:
✔ $50,000 per person in bodily injury coverage
✔ $100,000 per accident in bodily injury coverage
✔ $50,000 per person in property damage coverage
✔ $500 comprehensive coverage deductible
✔ $500 collision coverage deductible
How We Vetted Ohio Car Insurance Providers
In this article, providers are sorted by cheapest average costs in Ohio and selected for recommendation based on our national ratings. When rating providers nationally or in Ohio, we take several factors into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
