Best Car Insurance In Ohio For 2025
When selecting car insurance in Ohio, State Farm is the premier choice for comprehensive coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
On average, comprehensive car insurance in Ohio costs $1,599 per year. On the other hand, liability-only coverage comes with an average annual rate of $414. These premiums are much lower than the national average.
12% of drivers in Ohio are uninsured, according to Triple-I, so it’s crucial that you have insurance to cover any accidents involving an uninsured motorist.
Whether you need minimal coverage, extensive protection for a new car, or tailored insurance for families and seniors, we’ve chosen Ohio’s best car insurance providers. Drawing on my 15 years of experience as a licensed insurance agent, this guide will help you find the right coverage.
Best Car Insurance Companies In Ohio, 2025
Compare The Best Car Insurance Companies In Ohio
| Overall Rating | Best For | A.M Best Rating | J.D Power Rating | Local Sales Agent Presence | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
826 |
Yes |
Instant Quote |
| Amica |
|
Young Adults |
A+ |
Not Rated |
Yes |
Instant Quote |
| Wawanesa |
|
Budget Option |
A+ |
843 |
Yes |
Instant Quote |
| Chubb |
|
New Cars |
A++ |
Not Rated |
Yes |
Instant Quote |
| Allstate |
|
Seniors |
A++ |
816 |
Yes |
Instant Quote |
| AAA |
|
Driving Violations |
A- |
832 |
Yes |
Instant Quote |
| GEICO |
|
Minimum Coverage |
A++ |
830 |
No |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
Not Rated |
Yes |
Instant Quote |
| Farmers |
|
Families With Teens |
A |
813 |
Yes |
Instant Quote |
| State Farm |
|
Customer Service |
A++ |
826 |
Yes |
Instant Quote |
Best Car Insurance Companies In Ohio 2025
Best Overall
Key Statistics
Why We Like Them
⇅State Farm shines as Ohio’s top car insurance provider, offering a mix of affordable rates and thorough coverage. Their discounts for safe drivers, multi-car policies, and safety devices make insurance more accessible. High customer satisfaction and attentive local agents further solidify their reputation for trustworthy service and support.
Benefits & Drawbacks
⇅- Reasonable costs
- Vast array of insurance choices
- High-quality customer service ✓
- This isn't the most inexpensive option.
- Scant digital devices
- Rates surge post-claim submissions. ✘
Best For Minimum Coverage
Key Statistics
Why We Like Them
⇅For minimum coverage car insurance in Ohio, GEICO is unmatched in affordability and ease of use. With some of the lowest rates available, it provides an economical way to meet legal requirements. The insurer’s user-friendly digital tools make it simple to manage policies and file claims, earning it a reputation for reliability and convenience.
Benefits & Drawbacks
⇅- Wallet-friendly premiums
- Effective online assistance
- Expedited claim approval ✓
- Basic insurance packages
- Sterile customer assistance
- Local agent support is not provided. ✘
Best For Full Coverage
Key Statistics
Why We Like Them
⇅Travelers ranks as one of the best full coverage car insurance providers in Ohio, offering extensive protection from accidents, theft, and natural disasters. Features like accident forgiveness and gap coverage cater to drivers with high-value vehicles, while their financial stability and responsive customer service ensure reliable support for policyholders.
Benefits & Drawbacks
⇅- All-encompassing insurance choices
- Accident forgiveness is accessible.
- Exchange for a new auto ✓
- Heightened insurance expenses
- Nuanced policy recommendations
- Lagging claim processing ✘
Best For New Cars
Key Statistics
Why We Like Them
⇅Ohio’s new car owners trust Chubb for their car insurance needs due to its superior coverage for high-value vehicles. Agreed value coverage ensures policyholders receive the full insured amount in the event of a total loss, eliminating depreciation concerns. With additional benefits like rental reimbursement, key replacement, and access to quality repair facilities, Chubb goes above and beyond to protect new cars. Their outstanding customer service and streamlined claims process make them a top choice.
Benefits & Drawbacks
⇅- Insurance that agrees on set value
- Premium claims service
- High-quality policy features ✓
- Superior pricing
- The coverage might be deemed excessive.
- Scarcer discount opportunities ✘
Best For Seniors
Key Statistics
Why We Like Them
⇅Ohio seniors seeking car insurance will appreciate Allstate’s focus on their unique needs. With accident forgiveness, senior discounts, and safe driving rewards, Allstate delivers both affordability and peace of mind. Their user-friendly tools and customer support ensure a straightforward and positive insurance experience.
Benefits & Drawbacks
⇅- Individualized savings for the elderly
- You are eligible for accident forgiveness
- Detailed mobile app ✓
- Expanded insurance fees
- Inconstant customer service levels
- The intricacy of policy options can be daunting. ✘
Best For Driving Violations
Key Statistics
Why We Like Them
⇅For high-risk drivers in Ohio, AAA provides insurance designed to address their unique challenges. Accident forgiveness and incentives for taking driving courses reduce costs and encourage better driving habits, making it a standout option for rehabilitation-focused coverage.
Benefits & Drawbacks
⇅- Exoneration for first accident
- Discounts for Driving Safely
- Tailored insurance policies for drivers facing increased insurance risks. ✓
- Heftier fines for non-compliance
- Limited assortment of coverage choices
- Requires membership. ✘
Best For Families With Teens
Key Statistics
Why We Like Them
⇅Farmers Insurance is highly recommended for families with teenage drivers in Ohio. Their good student discounts and safe driver programs help make insuring teens affordable while encouraging safe habits behind the wheel.
Benefits & Drawbacks
⇅- Offers for students with strong academic records
- Adaptable coverage selections
- Resources for young learners ✓
- Possibility of increased insurance charges
- Mixed customer service performance
- Comprehensive policy frameworks ✘
Best For Customer Service
Key Statistics
Why We Like Them
⇅State Farm’s customer service makes it the best car insurance choice in Ohio. Their agents, well-versed in local insurance regulations, offer personalized assistance, and their claims process ensures fast, hassle-free resolutions.
Benefits & Drawbacks
⇅- Value-based pricing
- Wide variety of insurance options
- Unmatched customer satisfaction ✓
- Doesn't offer the lowest cost.
- Inadequate online tools
- Premiums go up after making a claim. ✘
Best For Young Adults
Key Statistics
Why We Like Them
⇅Amica is an excellent choice for young adults in Ohio seeking affordable car insurance. They offer unique discounts for students and safe drivers, paired with top-notch customer service for a hassle-free experience.
Benefits & Drawbacks
⇅- Competitive pricing strategies for the younger crowd.
- First-rate customer experience
- Accelerated claims management ✓
- Not many physical locations
- Diminished availability of high-risk insurance plans.
- There are no discounts based on your usage frequency. ✘
Best For Budget Option
Key Statistics
Why We Like Them
⇅Known for its affordability, Wawanesa is the best cheap car insurance provider in Ohio. It offers competitive rates and a hassle-free claims process, ensuring reliable coverage for all drivers.
Benefits & Drawbacks
⇅- Competitive pricing models
- Stable customer satisfaction
- Uncomplicated claims management ✓
- Restricted coverage selections
- The number of discounts has been cut back.
- Limits based on geographic reach ✘
How To Find The Best Car Insurance In Ohio
To pick the best car insurance company in Ohio, assess your personal and financial circumstances thoroughly. Begin by learning Ohio’s minimum requirements for liability insurance and determine if those levels will cover potential risks. Lenders for leased or financed vehicles often require policies that include collision and comprehensive coverage.
Take into account your driving habits, vehicle value, and tolerance for financial risk when choosing your plan. Uninsured motorist and personal injury protection might also be worth adding, particularly in areas with many uninsured drivers. Comparing rates from multiple insurers can help you find the best price for the coverage you need.
Minimum Car Insurance Requirements In Ohio
In Ohio, drivers must maintain minimum coverage of $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for property damage to provide basic financial protection after accidents.
How To Buy Car Insurance In Ohio
Employ these five steps to purchase appropriate car insurance in Ohio that meets your needs
Assess Your Coverage Needs
Begin by calculating your insurance needs based on your car’s worth, how you drive, and your financial resources. Consider whether you require more than just liability insurance, or if collision and comprehensive coverage are necessary.
Research Potential Insurers
Investigate different Ohio car insurance providers to evaluate their customer service, claims handling, and financial stability. Use online reviews, ratings from independent agencies like J.D. Power, and feedback from current and former policyholders to gauge the reliability of each insurer.
Gather Necessary Information
Before you get quotes, gather key details like your driver’s license number, vehicle registration, driving record, and any pertinent documents that might influence your auto insurance rates. This preparation will streamline the quoting process and ensure accurate pricing.
Compare Quotes
Obtain quotes from different auto insurers via Insuranceopedia to evaluate their pricing and coverage suitability.
Purchase the Policy
Once you’ve chosen the insurer with the best coverage for the best price, proceed to purchase the policy. Many insurers now offer online or phone options, making it convenient to get coverage quickly. After purchase, remember to print your insurance cards and any necessary documents.
Average Cost Of Car Insurance In Ohio
Quadrant Information Services reports that in Ohio, full car insurance coverage averages $133 per month or $1,599 annually. Nationally, the average cost is $205 per month or $2,460 annually.
| Company | Full Coverage |
| Erie | $1,134 |
| Travelers | $1,338 |
| Geico | $1,375 |
| Grange Mutual | $988 |
| Auto-Owners | $1,115 |
Ohio Car Insurance Rates – By City
Auto insurance rates in Ohio can vary by city, or ZIP code. Each area comes with it’s own risks, which influences premiums. For example, annual premiums in Cleveland average $1,645, while in Fremont, the average annual rate is $1,185.
| City | Average Premium |
| Middle Point | $1,212 |
| Findlay | $1,216 |
| Convoy | $1,218 |
| Fremont | $1,185 |
| Van Wert | $1,187 |
| Hockingport | $1,614 |
| Cincinnati | $1,610 |
| Bentonville | $1,608 |
| Cleveland | $1,645 |
| Blissfield | $1,639 |
Average Car Insurance Rates In Ohio – By Age
Age is a crucial factor in determining how much your auto insurance rates are in Ohio. Young drivers typically pay more for car insurance. A 16-year-old in Ohio can expect to pay $3,897 per year for “full coverage” car insurance, while a 40 year old will pay $1,544 per year, which is over 50% cheaper.
| Age | Average full coverage rate | Average minimum coverage rate |
|
16
|
$3,897
|
$1,159
|
|
$4,764
|
$1,516
|
|
|
20
|
$3,689
|
$1,035
|
|
$2,014
|
$552
|
|
|
$1,681
|
$452
|
|
|
40
|
$1,544
|
$425
|
|
$1,424
|
$402
|
|
|
60
|
$1,377
|
$397
|
|
$1,592
|
$478
|
Our Methodology
Our approach to providing accurate insurance company ratings is grounded in a comprehensive methodology. We assess multiple insurers, utilizing insights from various respected review platforms. Essential metrics from industry authorities such as A.M. Best and J.D. Power also inform our evaluations. With 15 years of experience as an insurance agent, including significant time in Ohio, I bring firsthand knowledge to enrich our analysis. This meticulous process, integrating data from credible review sources, ensures our ratings are reliable, guiding your insurance choices confidently.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
FAQs
Who is the most trusted car insurance company?
It’s clear from our research that State Farm and Wawanesa are the most trusted car insurance companies in Ohio.
How much car insurance do I need?
Determining your car insurance needs depends on factors such as Ohio’s minimum requirements, the value of your car, and your personal financial situation. Evaluate liability, collision, and comprehensive coverage for adequate protection.
Why is car insurance so expensive?
Car insurance costs can be expensive for several reasons, such as the level of coverage you choose, your driving history, the type of car you have, where you live, and external factors such as inflation and increasing repair costs.
