The Cheapest Car Insurance in Ohio for December 2024
Check out the cheapest car insurance companies in Ohio, according to NerdWallet's most recent analysis.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Updated Dec 1, 2024 · 5 min read
Nerdy takeaways
Central Insurance offers the cheapest full coverage in Ohio, with an average rate of $912 per year according to NerdWallet's December 2024 analysis.
Full coverage in Ohio costs an average of $1,611 per year, or $134 per month.
If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Ohio is $452 per year, or $38 per month.
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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Keep reading to find the cheapest car insurance in Ohio for different driver profiles and coverage types among:
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.
Did your rates go up? Auto insurance prices are on the rise in Ohio. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Cheap car insurance in Ohio
Here's the cheapest full coverage car insurance for Ohio 35-year-old drivers with different driving records.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Central Insurance | $912 |
| After a DUI | Central Insurance | $1,809 |
| After an accident | Hastings Mutual | $1,002 |
| After a speeding ticket | Central Insurance | $1,138 |
| Having poor credit | Hastings Mutual | $1,616 |
The cheapest car insurance company in Ohio is Central Insurance at $912 per year on average, or $76 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 $1,611 per year, or about $134 per month.
Minimum coverage in Ohio is $452 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 $1,003 After a DUI American Family $2,067 After an accident Hastings Mutual $1,200 After a speeding ticket Central Insurance $1,279 Having poor credit Central Insurance $1,881
- 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 $1,025 After a DUI Central Insurance $2,140 After an accident Hastings Mutual $1,072 After a speeding ticket Central Insurance $1,307 Having poor credit Hastings Mutual $1,726
- 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 $1,086 After a DUI American Family $2,105 After an accident Hastings Mutual $1,194 After a speeding ticket Central Insurance $1,379 Having poor credit Hastings Mutual $1,928
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 2022 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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $1,341 | $112 |
| Hastings Mutual | $2,392 | $199 |
| American Family | $2,721 | $227 |
| Western Reserve | $2,838 | $237 |
| QBE | $2,970 | $248 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $361 | $30 |
| Progressive | $657 | $55 |
| Western Reserve | $808 | $67 |
| Buckeye | $812 | $68 |
| State Farm | $821 | $68 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $628 | $52 |
| Progressive | $1,004 | $84 |
| Allstate | $1,128 | $94 |
| Westfield | $1,219 | $102 |
| Geico | $1,298 | $108 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $489 | $41 |
| Progressive | $839 | $70 |
| Westfield | $875 | $73 |
| Western Reserve | $879 | $73 |
| Buckeye | $923 | $77 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $582 | $49 |
| Progressive | $848 | $71 |
| Westfield | $923 | $77 |
| Western Reserve | $991 | $83 |
| Buckeye | $1,038 | $87 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $789 | $66 |
| Central Insurance | $856 | $71 |
| State Farm | $1,287 | $107 |
| American Family | $1,302 | $108 |
| Allstate | $1,330 | $111 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $977 | $81 |
| Hastings Mutual | $1,024 | $85 |
| Buckeye | $1,224 | $102 |
| State Farm | $1,362 | $114 |
| Geico | $1,507 | $126 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $228 | $19 |
| Buckeye | $255 | $21 |
| Allstate | $324 | $27 |
| State Farm | $324 | $27 |
| Progressive | $324 | $27 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $389 | $32 |
| Allstate | $429 | $36 |
| Progressive | $499 | $42 |
| Westfield | $525 | $44 |
| Geico | $596 | $50 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $306 | $26 |
| Buckeye | $309 | $26 |
| Allstate | $354 | $29 |
| Westfield | $367 | $31 |
| State Farm | $377 | $31 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $364 | $30 |
| Buckeye | $412 | $34 |
| State Farm | $422 | $35 |
| Hastings Mutual | $438 | $37 |
| Westfield | $449 | $37 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $410 | $34 |
| State Farm | $499 | $42 |
| Central Insurance | $533 | $44 |
| Allstate | $722 | $60 |
| American Family | $723 | $60 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $875 | $73 |
| Hastings Mutual | $992 | $83 |
| Buckeye | $1,224 | $102 |
| State Farm | $1,321 | $110 |
| Western Reserve | $1,381 | $115 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $203 | $17 |
| Buckeye | $255 | $21 |
| Progressive | $271 | $23 |
| Western Reserve | $296 | $25 |
| Allstate | $324 | $27 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $346 | $29 |
| Progressive | $419 | $35 |
| Allstate | $429 | $36 |
| Westfield | $510 | $43 |
| Western Reserve | $573 | $48 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $273 | $23 |
| Buckeye | $309 | $26 |
| Westfield | $353 | $29 |
| Allstate | $354 | $29 |
| Western Reserve | $367 | $31 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $324 | $27 |
| Buckeye | $412 | $34 |
| Hastings Mutual | $422 | $35 |
| State Farm | $431 | $36 |
| Westfield | $440 | $37 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $347 | $29 |
| Central Insurance | $476 | $40 |
| State Farm | $508 | $42 |
| American Family | $688 | $57 |
| Frankenmuth | $696 | $58 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $845 | $70 |
| Hastings Mutual | $860 | $72 |
| Buckeye | $1,087 | $91 |
| Progressive | $1,266 | $106 |
| State Farm | $1,272 | $106 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $198 | $17 |
| Buckeye | $225 | $19 |
| Progressive | $234 | $20 |
| Western Reserve | $273 | $23 |
| Allstate | $293 | $24 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $338 | $28 |
| Progressive | $364 | $30 |
| Allstate | $387 | $32 |
| Westfield | $470 | $39 |
| Western Reserve | $529 | $44 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $267 | $22 |
| Buckeye | $273 | $23 |
| Allstate | $322 | $27 |
| Westfield | $331 | $28 |
| Western Reserve | $345 | $29 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $317 | $26 |
| Hastings Mutual | $362 | $30 |
| Buckeye | $369 | $31 |
| Westfield | $414 | $34 |
| State Farm | $425 | $35 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $304 | $25 |
| Central Insurance | $464 | $39 |
| State Farm | $502 | $42 |
| American Family | $637 | $53 |
| Frankenmuth | $646 | $54 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Hastings Mutual | $880 | $73 |
| Central Insurance | $892 | $74 |
| Buckeye | $1,087 | $91 |
| State Farm | $1,176 | $98 |
| Progressive | $1,185 | $99 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $214 | $18 |
| Progressive | $224 | $19 |
| Buckeye | $225 | $19 |
| Western Reserve | $290 | $24 |
| Allstate | $293 | $24 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $347 | $29 |
| Central Insurance | $366 | $31 |
| Allstate | $387 | $32 |
| Westfield | $473 | $39 |
| Buckeye | $532 | $44 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Buckeye | $273 | $23 |
| Central Insurance | $288 | $24 |
| Allstate | $322 | $27 |
| Westfield | $334 | $28 |
| Progressive | $343 | $29 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $342 | $29 |
| Buckeye | $369 | $31 |
| Hastings Mutual | $372 | $31 |
| State Farm | $391 | $33 |
| Westfield | $415 | $35 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $293 | $24 |
| State Farm | $460 | $38 |
| Central Insurance | $502 | $42 |
| Frankenmuth | $600 | $50 |
| American Family | $642 | $54 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $1,041 | $87 |
| Buckeye | $1,137 | $95 |
| Hastings Mutual | $1,144 | $95 |
| Progressive | $1,215 | $101 |
| State Farm | $1,235 | $103 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Buckeye | $236 | $20 |
| Progressive | $252 | $21 |
| Central Insurance | $269 | $22 |
| State Farm | $323 | $27 |
| Allstate | $326 | $27 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $389 | $32 |
| Allstate | $430 | $36 |
| Central Insurance | $459 | $38 |
| Buckeye | $557 | $46 |
| Westfield | $564 | $47 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Buckeye | $286 | $24 |
| Allstate | $353 | $29 |
| Central Insurance | $362 | $30 |
| State Farm | $376 | $31 |
| Westfield | $388 | $32 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Buckeye | $384 | $32 |
| State Farm | $425 | $35 |
| Central Insurance | $431 | $36 |
| Westfield | $470 | $39 |
| Hastings Mutual | $490 | $41 |
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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $325 | $27 |
| State Farm | $506 | $42 |
| Central Insurance | $630 | $53 |
| Allstate | $729 | $61 |
| Frankenmuth | $732 | $61 |
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.
Minimum required auto insurance in Ohio
Ohio car insurance policies must include liability coverage, which covers others’ property damage or injury treatment if you’re responsible for a crash.
The minimum liability limits you must purchase are:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per accident.
$25,000 property damage liability per accident.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
A serious crash could cause damage that easily surpasses these insurance amounts. To avoid having to pay accident bills out of your own pocket, consider buying more than the bare minimum. You may also want common optional coverages such as collision, comprehensive and uninsured motorist protection.
For more help planning your Ohio auto policy, visit NerdWallet’s guide to car insurance requirements by state.
Risks of getting cheap auto insurance
Getting cheap car insurance usually means getting the barest coverage required by law in your state. But state requirements can be quite low and leave you financially vulnerable if you’re in a serious accident.
Getting the cheapest car insurance possible might also mean missing out on optional coverage types that can help cover your own injuries or property damage — for example, when you’re injured in an accident or if your car is banged up after a bad storm or a hit and run. To find cheap car insurance with more coverage, check out NerdWallet’s list of cheap full coverage insurance.
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.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following 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.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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