Auto Insurance in Ohio
Ohio’s auto insurance rates are on the low side — on average $1,469 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Many of the 11 million people in Ohio own cars because the public transit options are limited. As a driver in Ohio, you also need to be aware of the natural disasters that are prevalent in this state. Due to Ohio’s proximity to the Great Lakes, lake-effect snow is a major problem, and tornadoes also pose a significant threat. Additionally, Ohio is a mountainous region, with many outdoor recreation areas to enjoy.
Ohio Minimum Liability
Ohio’s minimum liability coverage for auto insurance is 20/50/25, which translates to $20,000 coverage per person for bodily injury, $50,000 total per accident, and $25,000 for property damage. This figure is well below the recommended minimum coverage of $50,000 each for bodily injury and property damage and $100,000 per accident. This coverage is important because if the costs of an accident exceed your coverage limits, the rest of the liability lands in your lap.
Sometimes it’s difficult to know which coverage option to choose, because you don’t actually know how much it will cost if you’re in an accident. On average, in 2013, the typical accident incurred $15,443 in bodily injury expenses and $3,231 in property damage. This is only an average figure, and the cost may be significantly higher in more severe accidents, especially those in which cars are totaled. A 100/300 coverage policy is ideal to fully protect yourself.
Talk to multiple auto insurance companies when you’re shopping for policies. See how much coverage you’ll receive for each plan and how much the premium will cost you. While higher coverage drives the premium up, it’s still less costly to get better coverage than to pay for most of an accident out of pocket.
Cheapest Car Insurance in Ohio
You might not drive your car a lot or care about anything other than the bottom-line price for your Ohio auto insurance. These companies offer the most affordable coverage in the state.
The primary benefit of going with the cheapest option is getting the lowest premium price, but this tactic does have some major drawbacks. You typically lose out on high-quality customer service, and you also may have difficulties getting reimbursed for claims.
Most Popular Companies by Marketshare
Popular car insurers in Ohio are often national brands with a significant presence throughout the area. These auto insurance companies handle Ohio drivers’ needs and often run extensive ad campaigns, so they become household names. However, being the most well-known doesn’t mean that they are going to be the best for your needs.
You should get quotes from these companies to see what they have to offer when it comes to coverage and premiums, but go beyond these options to find out whether they truly have the best deals. In many cases, smaller, local insurance companies will give you comparable quotes.
Choosing the Best Car Insurance in Ohio
The best Ohio car insurance companies may not always offer the best prices, but they provide many benefits that will keep you as a long-term customer. One of the biggest benefits is quality customer service and easy claims processing. Nothing is more frustrating than arguing with an insurance company over whether you have a valid claim, and the top-rated companies remove that worry.
Extensive coverage options, well-trained agents, and discounts also factor into making these the top auto insurance companies in Ohio. Ask for quotes from several companies to see which ones offer the best coverage and premiums.
Where is car insurance most affordable?
Car insurance premiums in most Ohio cities stick close to the state average, providing rates below the national average for the entire state.
The most expensive area, Youngstown, has premiums that are still $200 under the countrywide average. It’s slightly more expensive than other Ohio cities due to its mountain location and proximity to the Great Lakes. The least expensive city, Lorain, has premiums $200 less than the state average.
No matter where you live in Ohio, though, the average auto insurance premium is much less expensive than the national average.
Akron Auto Insurance
Akron sits close to Lake Erie, with a population of 198,100. It’s home to three performance halls, creating a vibrant cultural environment that makes it an excellent place to live. Since Lake Erie is so close, this area gets hit with lake-effect blizzards during the winter, creating hazardous road conditions. Nevertheless, the average car insurance price remains slightly below average for the state.
Canton Auto Insurance
Canton is best known for the Pro Football Hall of Fame, which drives significant tourism to the area. The city is located inland, away from the lakes and the tornado-prone zones, which decreases auto insurance premiums in this area to slightly below state average. More than 72,000 people make their homes here, giving the town a cozy, suburban feel.
Cincinnati Auto Insurance
Cincinnati, with its population of more than 297,000, ranks as the third-largest city in Ohio. While it has plenty of attractions, the main draw comes from Cincinnati’s two major league sports teams. The city’s baseball team, the Cincinnati Reds, is the oldest MLB team, while the Cincinnati Bengals are the city’s NFL franchise. Driving in this area can be a little tricky thanks to so many tourists and major sporting events, and that pushes Cincinnati’s auto insurance cost slightly above the state average.
Cleveland Auto Insurance
The second-largest city in Ohio, with a population of just over 390,000, Cleveland is known as the Rock and Roll Capital of the World. It’s located right on Lake Erie, which gives residents a stunning waterfront view and plenty of lakefront activities for entertainment. It also brings lake-effect snow into the city in a major way, resulting in slightly higher than average auto insurance costs.
Columbus Auto Insurance
Columbus is the state capital of Ohio and has the largest population, with nearly 836,000 people. It’s a rapidly growing city with a low cost of living that attracts many companies to the area. The arts and culture events here engage many people, and the city has multiple well-known performing arts centers. The car insurance premiums in Columbus are slightly above the state average.
Dayton Auto Insurance
Dayton is home to an air force base, which has shaped much of the local economy and spawned businesses to meet its needs. This city of about 141,500 hosts a significant number of aerospace and research facilities. It’s located inland, away from Lake Erie, which cuts down on severe weather events for the area. Dayton’s auto insurance rates are slightly below Ohio’s average.
Hamilton Auto Insurance
Hamilton is a small Cincinnati suburb, home to around 62,000 residents. Its location makes it a prime commuter base, and it also has some truly unique sculpture installations thanks to a resurgent arts scene. Most residents in this area use cars to get around, and the auto insurance premiums are a bit lower than the state average.
Kettering Auto Insurance
Kettering, a Dayton suburb, has a population of about 55,000. Major businesses are located in the commercial districts, providing additional opportunities to keep Dayton commuters around the city. It’s located away from the Great Lakes, so lake-effect snow is less of a concern here than elsewhere in the state. Due to its location, Kettering has lower-than-average premiums.
Lorain Auto Insurance
Lorain is a small town on the shore of Lake Erie with a population of about 63,500. It has historically been home to steel mills, and the area’s biggest employer remains the United States Steel Mill. This area has a low cost of living, and despite being subject to lake-effect snow and tornadoes, it has the state’s lowest auto insurance premiums.
Parma Auto Insurance
Parma is Cleveland’s largest suburb, with more than 85,000 people. The area is one of the safest places to live in the United States and has unique shopping thanks to the growth of small businesses in the area. The auto insurance premiums here are approximately $100 less than the state average.
Springfield Auto Insurance
Springfield is a small Ohio city with about 51,000 residents and is located northeast of Dayton. One of the most well-known attractions in the area, the Westcott House, was designed by architect Frank Lloyd Wright. The house was fully restored over a decade ago, and guided tours are available. This area has slightly lower than average prices for auto insurance compared to the rest of Ohio.
Toledo Auto Insurance
Toledo is the fourth-largest city in Ohio, with a population of about 282,000. This area’s economy has been shaped by a number of industries, especially automotive and glass. The arts scene is also prominent, with several galleries and performing arts centers providing great entertainment. The average car insurance premiums here are $100 more than the state average, primarily due to tornado and blizzard concerns.
Youngstown Auto Insurance
Youngstown is located about halfway between Cleveland and Pittsburgh, creating a commuter paradise. It’s situated at the base of the Appalachian Mountains and has a population of around 65,000. Due to the mountainous terrain and the threat of natural disasters, the auto insurance price here is approximately $100 more than the average for the state.
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