Ohio drivers continue to pay less than the national average for auto insurance. Recent 2025 market estimates place typical full coverage in Ohio around the mid-$1,400s per year and minimum coverage in the low-$400s, still well below U.S. averages, while the latest official NAIC benchmark (reported via the Insurance Information Institute) shows Ohio’s 2022 average expenditure just over $1,000 per insured vehicle. Reviews.com is committed to helping you find the best Ohio car insurance company for your needs. We compared factors such as price, coverage, and customer service. Ultimately, we found that Geico, Allstate, USAA, and State Farm have some of the best car insurance in the Buckeye State, and carriers like Erie and Auto-Owners also perform strongly in recent regional customer satisfaction results (see J.D. Power 2025 and current rate studies from Bankrate and The Zebra).
The 4 Best Car Insurance Companies in Ohio
Reviews.com analyzed average premiums for various car insurance companies in Ohio. We also took coverages, discounts, financial strength, and customer service scores into account. We chose the following four companies as being among the best in Ohio:
- Geico: Best for Low Prices
- Allstate: Best for Online Resources
- USAA: Best for Military-Centric Options
- State Farm: Best for Local Agents
Compare the Best Car Insurance Companies in Ohio
The comparison table below reflects historical 2021 data from Bankrate.com. Since then, auto insurance prices have risen materially; in 2025, Ohio’s averages are roughly in the mid-$1,400s for full coverage and the low-$400s for minimum coverage, depending on the source and driver profile (Bankrate, The Zebra). The carriers are based on our unique methodology; the best carrier for you may not be on this list. Getting quotes from several companies could help you find a good fit for your needs, especially given recent market-wide increases noted in the BLS CPI for motor vehicle insurance.
| Average Annual Minimum Coverage Premium* | Average Annual Full Coverage Premium* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Geico | $306 | $843 | A++ | 837 | |
| Pin Allstate | $357 | $1,292 | A+ | 827 | |
| Pin USAA | $247 | $820 | A++ | 895** | |
| Pin State Farm | $288 | $906 | A++ | 851 |
Comparison figures in this section reflect sources available through early 2022. For current 2025 averages and rankings, see Bankrate’s Ohio guide and The Zebra’s State of Auto Insurance.
* Premium data provided by Bankrate.com for the historical table; for up-to-date 2025 estimates, see Bankrate (Ohio).
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the North Central region. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions.
Geico
Best for Low Prices
WHY WE CHOSE IT
Why we chose it
Pros
- Lower-than-average annual premiums
- Superior financial strength
- Numerous discounts available
Cons
- No gap coverage available
- No discounts for hybrid/electric cars
- Slightly lower-than-average J.D. Power score
OTHER POLICIES OFFERED
- Homeowners
- Renters
- Motorcycle
- ATV
- Boat
STANDOUT DISCOUNTS AVAILABLE
- Emergency deployment
- Federal employee
- Military
- Seat belt use
- Daytime running lights
Allstate
Best for Online Resources
WHY WE CHOSE IT
Why we chose it
Pros
- Impressive array of digital tools
- Lots of coverage options
- Online claims filing available
Cons
- Higher-than-average premiums
- Financial strength lower than competitors
- Higher-than-average overall NAIC complaint index score
OTHER POLICIES OFFERED
- Homeowners
- Renters
- Motorcycle
- Business
- Life
STANDOUT DISCOUNTS AVAILABLE
- New car
- Smart student
- Early Signing
- Responsible payer
- Paperless
USAA
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Lower-than-average annual premiums
- Superior financial strength
- High customer satisfaction scores
Cons
- Only available to military families
- Comparatively few physical locations
- Fewer discounts than competitors
OTHER POLICIES OFFERED
- Homeowners
- Landlord
- Umbrella
- Flood
- Farm and ranch
STANDOUT DISCOUNTS AVAILABLE
- Clean driving record
- Good student
- Military installation
- Customer loyalty
- Storage
State Farm
Best for Local Agents
WHY WE CHOSE IT
Why we chose it
Pros
- Local agents available
- Lower-than-average premiums
- Superior financial strength according to AM Best
Cons
- Digital service tools are rated below-average with J.D. Power
- High overall NAIC complaint index score
- No annual auto policy option
OTHER POLICIES OFFERED
- Homeowners
- Condo
- Manufactured home
- Boat
- Life
STANDOUT DISCOUNTS AVAILABLE
- Drive Safe and Save
- Steer Clear
- Good student
- Student away at school
- Vehicle safety
* Data provided by Bankrate.com.
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the North Central region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Ohio
According to current 2025 market estimates, the average cost of car insurance in Ohio is roughly $1,400–$1,600 per year for full coverage and about $380–$500 per year for minimum coverage, depending on the data set and driver profile (Bankrate; The Zebra). For context, the latest official NAIC benchmark (via the Insurance Information Institute) shows Ohio’s 2022 average auto insurance expenditure just over $1,000 per insured vehicle, but prices have risen significantly nationwide since then, with the BLS motor vehicle insurance CPI showing high year-over-year increases through 2025; national full-coverage averages are now in the upper-$2,000s.
It’s important to remember that your exact rates may look different. Premiums in most states are based on a number of factors, including the weather and crime rate in your neighborhood, your age, credit score, driving history, vehicle type, coverage limits, and more. Broader market conditions (like repair and medical cost inflation) also influence premiums.
Top 3 Cheapest Car Insurance Companies in Ohio
| Company | Average Annual Full Coverage Premium* |
| Hastings Mutual | $758 |
| USAA | $820 |
| Geico | $843 |
* Data provided by Bankrate.com (historical 2021 dataset used for this table). Current 2025 averages are higher; see Bankrate’s 2025 Ohio analysis for updated ranges.
Top 3 Most Expensive Car Insurance Companies in Ohio
| Company | Average Annual Full Coverage Premium* |
| Allstate | $1,292 |
| Celina | $1,260 |
| Westfield | $1,234 |
* Data provided by Bankrate.com (historical 2021 dataset used for this table). Actual 2025 prices vary by profile and ZIP; check updated comparisons from Bankrate and the Ohio DOI’s resources (Ohio Department of Insurance).
Top 3 Cheapest Cities for Car Insurance in Ohio
| City | Average Annual Full Coverage Premium* |
| Bowling Green | $1,000–$1,250 |
| Findlay | $1,000–$1,250 |
| Lima | $1,000–$1,250 |
* 2025 market estimates for typical full coverage; actual prices vary by ZIP and profile. See city breakouts from Bankrate and The Zebra.
Top 3 Most Expensive Cities for Car Insurance in Ohio
| City | Average Annual Full Coverage Premium* |
| Cleveland | $1,900–$2,200 |
| Cincinnati | $1,600–$2,000 |
| Columbus | $1,500–$1,900 |
* 2025 market estimates for typical full coverage; exact costs depend on neighborhood risk and profile. Sources: Bankrate, The Zebra, and other state roundups.
Key Things to Know About Car Insurance in Ohio
When it comes to buying car insurance in Ohio, there are a few things you’ll want to keep in mind. First, state law requires all drivers in the state to carry at least minimum liability insurance — and you’ll have to have proof of insurance with you while driving. Ohio accepts electronic proof of insurance on a mobile device, and the BMV operates an electronic verification program that may request proof if coverage can’t be confirmed (Ohio BMV, verification program). Also remember that Ohio is an at-fault state, meaning whoever is at fault for an accident is financially responsible for the damages they cause, including injuries.
Ohio Car Insurance Requirements
Ohio requires all drivers to carry at least the state’s minimum liability limits. While most insurance agents advise that you purchase higher limits for more financial protection, you must have at least the minimum limits to drive legally. If you have a loan or lease on your vehicle, you’ll likely need full coverage car insurance.
The minimum liability required in the state of Ohio is as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Uninsured motorist coverage is optional in Ohio (not required by statute), though insurers commonly offer it and many drivers choose it for added protection.
Car Insurance Coverage Options
In addition to potentially buying higher liability limits or full coverage — which includes comprehensive and collision coverages — you may want to consider these optional coverage types to further protect your finances, as well as usage-based telematics programs that can reward safe, low-risk driving (for example, State Farm Drive Safe & Save):
- Uninsured motorist: This option could help you pay for injuries you or your passengers sustain if you are hit by an uninsured motorist.
- Gap insurance: Gap insurance is designed to cover the difference between the amount you owe on your vehicle and its current cash value. That way, if your car is totaled in an accident, you aren’t left paying off a loan for a car you no longer have.
- Roadside assistance: Many insurers offer roadside assistance coverage that provides coverage for towing services, flat tire repair, locksmith services, and more.
- Accident forgiveness: You can generally expect your car insurance rates to go up after an accident where you’re at fault. But with this optional add-on that many insurers offer, your rates won’t increase after just one accident.
Coverage options vary by insurer, so talk to your company to see what options are available to you.
Frequently Asked Questions
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers. We reference independent benchmarks and studies, including the latest NAIC/III statewide averages, J.D. Power’s 2025 U.S. Auto Insurance Study, and current market rate analyses.
For current pricing snapshots and state comparisons, we use recent market analyses (e.g., Bankrate, The Zebra) and the latest official benchmark for statewide averages from the NAIC (via the Insurance Information Institute). For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, we use each state’s minimum requirements. Our base profile drivers own a Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
