best cheap car insurance in ohio
cheapest auto insurance quotes in ohio: state farm
state farm has the cheapest state minimum auto insurance in ohio. the company offers minimum coverage for $299 a year, $182 less than the state average.
While the cheap quotes make minimum liability auto insurance an attractive option, the low coverage limits could end up costing you more in the long run if you cause an accident.
A minimum coverage policy in Ohio only covers the other driver’s injuries and property damage. does not include protection for damage to your vehicle or injury to you or your passengers.
cheapest full coverage auto insurance in ohio: state farm
The most affordable auto insurance company for full coverage is state farm with an annual rate of $786. State Farm quotes are 43% cheaper than the state average and $145 less per year than the next cheapest insurer, Geico.
Full coverage auto insurance quotes include bodily injury and property damage liability coverage, plus comprehensive and collision coverage. Drivers also have the option to add medical payments coverage, which helps pay for injuries after an accident.
inexpensive auto insurance quotes for ohio drivers with prior incidents
Drivers with incidents on their record, such as an at-fault accident or a DUI citation, pay higher insurance rates because insurance companies believe these drivers are more likely to file claims in the future . Your credit score also influences your risk profile in most states, although it has nothing to do with your ability to drive safely.
cheapest car insurance after a speeding ticket: state farm
If you are an Ohio driver with a speeding ticket on your record, we recommend State Farm for full coverage insurance. its annual fee is $859, more than $700 less than the state average.
Speeding tickets increase the average cost of auto insurance in Ohio from $1,378 to $1,574, an increase of about 14%.
cheapest auto insurance quotes after an accident: state farm
state farm also offers the cheapest auto insurance quotes for drivers in ohio with an at-fault accident on their driving record. At $932 per year for a full-coverage policy, your rate is 52% less than the state average and more than $600 cheaper than the next best thing, Westfield. Allstate rates average $3,003, more than triple the cost of a state farm policy.
Just one accident on your driving record can result in substantially higher car insurance rates. in ohio, rates increase 42% after a single accident: $579 per year on average.
the cheapest auto insurance in ohio after a dui: progressive
Progressive has the lowest auto insurance rates for Ohio drivers who have a DUI citation on their record. The company increases rates by 13% after a DUI to $1,753 per year for a full coverage policy. By comparison, insurers in Ohio raise rates by 66% after a DUI, on average.
cheapest car insurance for drivers with bad credit: geico
Drivers with poor credit should consider geico for affordable auto insurance in ohio. Geico’s average rate is $1,257 per year for a full coverage policy, which is $281 lower than the rate at the next cheapest insurer, State Farm, and $819 less than the state average.
Your credit score doesn’t affect your ability to drive, but it does affect your ohio auto insurance rates. Statistics show that drivers with poor credit are more likely to file an insurance claim, making them a higher risk for insurers. Full coverage auto insurance rates in Ohio average $2,076 per year for drivers with poor credit, which is $698 more expensive than insurance for drivers with average credit scores.
cheapest car insurance quotes for married drivers: state farm
state farm has the best auto insurance rates for married couples in ohio. married drivers pay $786 a year, or $66 a month, if they buy a state farm full coverage policy, 40% below the state average.
tying the knot brings a number of financial benefits, including reduced car insurance rates. insurance companies offer cheaper quotes for married drivers because they are statistically less likely to get into car accidents.
Many married couples can get even lower rates through auto insurance discounts, such as discounts for multiple cars and multiple policies.
cheapest auto insurance quotes for young drivers in ohio: state farm
state farm offers the best rates for young drivers in ohio. minimum coverage with state farm is $1,029 per year, 42% cheaper than the state average. state farm also has the cheapest full coverage policy at $2,461 per year.
Although Ohio is one of the most affordable states for car insurance, young drivers still pay more for car insurance than adult drivers. in fact, the average annual cost of a minimum coverage policy for an 18-year-old is almost four times more expensive than the rate for a 30-year-old driver: $1,760 versus $481 per year.
cheapest car insurance for teen drivers after ticket: state farm
state farm has the most affordable rates for young ohio drivers with a speeding ticket on their record. premiums are $1,143 a year for minimum coverage, which is 40% cheaper than the state average.
young drivers in ohio can expect their rates to increase by 9% after a speeding ticket. however, the amount your premium will increase varies by company. allstate raises rates 29% after one ticket: $483 per year and more than any other company in our study. Grange and Westfield, on the other hand, do not increase rates for young drivers after a single speeding ticket.
cheapest car quotes for young drivers after an accident: state farm
state farm also has the best rates for young drivers who cause an accident: $1,257 per year for minimum coverage and $846 less than the state average.
an at-fault accident will cause young drivers’ quotes for minimum coverage to increase by 20%. Geico and Allstate raise rates the most after an at-fault accident, at 39% and 44%, respectively. Although Westfield drivers only receive a 2% rate increase, their minimum coverage rate is still nearly $500 more expensive than State Farm.
best auto insurance companies in ohio
When comparing auto insurance companies, choosing one you can trust is just as important as finding the best rate.
Our editor’s rating is determined by analyzing each company’s rates relative to its competitors, the policy coverages it offers, and customer satisfaction scores.
jd power’s auto claims satisfaction study is an annual nationwide survey that surveys insurance customers about their experience filing claims with their insurer. higher scores are better and the best possible score is 1000.
am best’s financial strength rating is a letter grade that describes an insurance company’s overall financial health and its ability to pay claims. the best score available is a++. All of the companies we consider have a financial strength rating of am best of a or better, meaning they have “excellent” or “superior” ability to pay claims, even in tough economic times.
average cost of car insurance by city
Where you live can affect your auto insurance rates just as much as your driving habits. In Ohio, there is only a $542 difference in the average annual cost of full coverage auto insurance between the most expensive and least expensive cities.
ohio auto insurance laws and regulations
ohio requires drivers to purchase a minimum amount of auto insurance to legally drive in the state. These minimum insurance limits pay for the damages and injuries of the other driver:
cheapest auto insurance summary in ohio
frequently asked questions
We collect thousands of rates from zip codes across Ohio for the state’s major insurers. We use a sample controller with the following profile:
The base policy for the study was a full coverage policy with the following limits:
For other rate analyzes (credit score, incidents, and marital status), the base policy listed above has been modified to reflect the new driver.
for our minimum coverage policy, we receive quotes for a policy with the minimum limits required in ohio, above. we use minimum coverage limits for young driver quotes.
valuepenguin’s analysis used insurance rate data from quadrant information services. These rates were obtained publicly from insurer filings and should be used for comparison purposes only; your own quotes may be different.