The Cheapest Car Insurance in Ohio for November 2024

Auto insurance is an important purchase, but finding cheap car insurance in Ohio isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

Keep reading to find the cheapest car insurance in Ohio for different driver profiles and coverage types among:

• 20-year-olds

• 30-year-olds

• 40-year-olds

• 50-year-olds

• 60-year-olds

• 70-year-olds

• Military families

You can also find information on Ohio's minimum insurance requirements, the risks of opting for cheap car insurance as well as alternative car insurance options in the state.

Cheap car insurance in Ohio

Here's the cheapest full coverage car insurance for Ohio 35-year-old drivers with different driving records.

The cheapest car insurance company in Ohio is Central Insurance at $867 per year on average, or $72 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Ohio. Meanwhile, the average cost of full coverage car insurance in Ohio is $1,544 per year, or about $129 per month.

Minimum coverage in Ohio is $454 per year on average, but we found you can likely get a cheaper policy. For example, Central Insurance offers the cheapest rates in Ohio at $211 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

If you’re looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest Ohio cities, including:

• Cincinnati

  Below are the cheapest insurers in Cincinnati for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Cincinnati.

  Category	Cheapest company	Median annual rate
  Clean driving history	Central Insurance	$954
  After a DUI	American Family	$1,947
  After an accident	Hastings Mutual	$1,136
  After a speeding ticket	Central Insurance	$1,216
  Having poor credit	Central Insurance	$1,783

• Cleveland

  Below are the cheapest insurers in Cleveland for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Cleveland.

  Category	Cheapest company	Median annual rate
  Clean driving history	Central Insurance	$978
  After a DUI	Central Insurance	$2,039
  After an accident	Hastings Mutual	$1,028
  After a speeding ticket	Central Insurance	$1,247
  Having poor credit	Hastings Mutual	$1,654

• Columbus

  Below are the cheapest insurers in Columbus for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Columbus.

  Category	Cheapest company	Median annual rate
  Clean driving history	Central Insurance	$1,032
  After a DUI	American Family	$1,983
  After an accident	Hastings Mutual	$1,124
  After a speeding ticket	Central Insurance	$1,311
  Having poor credit	Hastings Mutual	$1,814

How we chose the cheapest companies in Ohio

NerdWallet’s editorial team analyzed car insurance rates from 24 auto insurers in Ohio and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Ohio. For full coverage, we used the below coverage limits:

• $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 coverage per person.

• $300,000 uninsured motorist coverage per accident.

• Collision coverage with a $1,000 deductible.

• Comprehensive coverage with a $1,000 deductible.

• Why you can trust NerdWallet

  Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Ohio where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Ohio for 20-year-olds

Drivers in Ohio with clean driving records may want to consider the following companies, which had the lowest average rates.

Cheapest minimum coverage car insurance in Ohio for 20-year-olds

Drivers in Ohio who want just the state minimum coverage may want to check with these companies, which had the lowest average rates.

Cheapest auto insurance in Ohio for 20-year-olds with poor credit

Drivers with poor credit in Ohio should look at the following insurers with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Ohio, here are the companies with the lowest average rates for minimum coverage:

Cheapest auto insurance in Ohio for 20-year-old drivers after a DUI

The cheapest auto insurance we found in Ohio after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Ohio for 30-year-olds

Ohio drivers with clean driving records may want to consider these companies, which had the lowest average rates for full coverage.

Cheapest minimum coverage car insurance in Ohio for 30-year-olds

Drivers in Ohio who want their state's minimum coverage can check with the following companies, which had the lowest average rates.

Cheapest auto insurance in Ohio for 30-year-olds with poor credit

Drivers with poor credit in Ohio should consider the following companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 30-year-old drivers with one at-fault crash

For drivers in Ohio with a recent accident, here are the lowest average rate options for minimum coverage.

Cheapest auto insurance in Ohio for 30-year-old drivers after a DUI

For the cheapest auto insurance in Ohio after a DUI, we found the following options for minimum coverage.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Ohio for 40-year-olds

Drivers in Ohio with clean driving records may want to think about the following companies, which had the lowest average rates.

Cheapest minimum coverage car insurance in Ohio for 40-year-olds

Drivers in Ohio who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates.

Cheapest auto insurance in Ohio for 40-year-olds with poor credit

Drivers with poor credit in Ohio can check out the following insurers with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Ohio, here are the companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 40-year-old drivers after a DUI

The cheapest minimum coverage auto insurance we found for Ohio drivers with a DUI came from the following companies.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Ohio for 50-year-olds

Drivers in Ohio with clean driving records may want to get quotes from these insurers, which had the lowest average rates.

Cheapest minimum coverage car insurance in Ohio for 50-year-olds

Drivers in Ohio who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates.

Cheapest auto insurance in Ohio for 50-year-olds with poor credit

Drivers with poor credit in Ohio can check with the following companies, which showed the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 50-year-old drivers with one at-fault crash

For drivers living in Ohio with a recent accident, here are the insurers with the lowest average minimum coverage rates.

Cheapest auto insurance in Ohio for 50-year-old drivers after a DUI

The cheapest auto insurance we found for Ohio drivers with a recent DUI comes from the following companies, listed with rates for minimum coverage.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Ohio for 60-year-olds

Drivers in Ohio with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates.

Cheapest minimum coverage car insurance in Ohio for 60-year-olds

Drivers in Ohio who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates.

Cheapest auto insurance in Ohio for 60-year-olds with poor credit

Drivers with poor credit in Ohio can look at the following companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Ohio, here are the companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 60-year-old drivers after a DUI

The cheapest auto insurance we found in Ohio after a DUI came from the following companies, shown with their average rates for minimum coverage.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Ohio for 70-year-olds

Drivers in Ohio with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates.

Cheapest minimum coverage car insurance in Ohio for 70-year-olds

Drivers in Ohio who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates.

Cheapest auto insurance in Ohio for 70-year-olds with poor credit

Drivers with poor credit in Ohio can look at the following companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Ohio, here are the companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Ohio, here are the companies with the lowest average rates for minimum coverage.

Cheapest auto insurance in Ohio for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI in Ohio came from the following companies, shown with their average rates for minimum coverage.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 61 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in Ohio

Alternative car insurance in Ohio

Drivers who can’t get car insurance on Ohio's voluntary market because of a checkered driving record, poor credit or other factors can apply for coverage through the Ohio Automobile Insurance Plan.

Or, you could forgo insurance altogether, if you can prove your financial responsibility to the state. Your options as an individual are:

• Make a minimum $30,000 deposit with the state treasury in money or bonds.

• If you and another person own property with equity of at least $60,000, you can purchase a bond from the Bureau of Motor Vehicles in the amount of $30,000.

For more help scoring cheap car insurance in Ohio, try NerdWallet’s car insurance comparison tool.