10 Best Auto Insurance Companies in Ohio for 2025

Erie Insurance, Nationwide, and American Family are the best auto insurance companies in Ohio. Erie leads with minimum coverage starting at $38 per month

Erie stands out for affordable rates and reliable claims handling, while Nationwide and American Family provide strong digital tools and personalized support.

Compare the top picks among Ohio auto insurance companies to find the right provider for you.

Top 10 Companies: Best Auto Insurance in Ohio

These companies weigh price, customer service, and coverage options, offering Ohio drivers reliable protection that they can afford and that is tailored to their lifestyle.

Save on Ohio car insurance. Start a quote today, and we’ll provide an estimate that saves you money.

Cheapest Auto Insurance Rates in Ohio

Ohio drivers pay some of the most competitive rates in the country, with top auto insurance companies like Geico offering rates as low as $36 per month for minimum coverage and $80 per month for full coverage.

Erie follows closely at $38 per month and $84 per month, offering affordable options with strong coverage (Read More: Cheapest Car Insurance).

Ohio Auto Insurance Monthly Rates by Coverage Level

For drivers looking for broader protection and extra features, Allstate and American Family range from $43 to $101 per month.

Nationwide is also on the higher end, but safe drivers can reduce these rates by 40% if they sign up for usage-based policies.

Across the state, monthly premiums typically fall between $55 and $74, depending on the city, coverage level, and local driving conditions.

This comparison helps you spot which insurer offers the best balance between cost and coverage based on where you live in Ohio.

Cost of Ohio Auto Insurance Based on Driver Age

Younger Ohio drivers tend to pay higher monthly rates. At 18, premiums are the steepest, costing over $100 monthly at all companies.

Erie offers the lowest rate for young drivers at $102 per month, making it a strong pick for drivers on a budget.

Ohio Auto Insurance Monthly Rates by Age

If you’re a teen driver searching for the cheapest car insurance in Ohio, remember that costs gradually drop with age. Maintain a clean driving record to get the lowest possible rates in your 20s.

By age 25, rates ease to $52 a month with Geico and $49 monthly with Erie. Drivers in their 30s and 40s pay around $36–$46 monthly.

Erie and Geico consistently provide the most affordable coverage across all age groups, while Allstate and AAA charge higher premiums but include more features and service options.

Many drivers comparing rates on best car insurance in Ohio Reddit threads mention these same companies for offering strong value and consistent service statewide. Learn how to compare auto insurance companies to identify the best mix of price and protection for you.

Cost of Ohio Auto Insurance by Driving History

The monthly auto insurance rates in Ohio can vary widely depending on your driving record. Drivers with a clean record tend to get the best deals. Geico averages $36 per month, while Erie follows at $38 per month.

Geico and Erie are among the insurers that give out the best rates for safe drivers, while State Farm and American Family offer cheap high-risk auto insurance to drivers working to clean up their records.

Ohio Auto Insurance Monthly Rates by Driving Record

One accident or ticket alone can increase your monthly rate by about $20, depending on the insurer. A DUI spikes it further, and Erie tends to average $88 a month compared to Progressive at $120 per month.

The good news here is that even Ohio drivers with accidents or DUIs have cheaper rates than drivers in other states, making the Buckeye State an affordable place to live for high-risk drivers.

Minimum Coverage Requirements in Ohio

To drive legally in Ohio, every driver must carry at least the state’s minimum liability insurance. Bodily injury liability covers costs and claims from those injured in an incident where you are at fault. Ohio’s minimum requirements are:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $25,000 for property damage per accident

These limits, written as 25/50/25, meet Ohio’s minimum legal requirements for car insurance. This coverage pays for injuries or property damage you cause to others in an accident, but it won’t cover repairs to your own car or your medical bills.

Optional Car Insurance Coverages in Ohio

Ohio auto drivers have a variety of optional coverages they can add to increase their protection above the state minimum.

These extras pay for your personal injury, vehicle repairs, and more in the event of additional money risk not covered by basic liability insurance:

• Collision Coverage: Covers repairs to your vehicle after an accident, no matter who’s at fault.
• Comprehensive Coverage: Protects against theft, vandalism, fire, or weather-related damage.
• Uninsured/Underinsured Motorist Coverage: Provides protection if the other driver lacks sufficient insurance.
• Medical Payments: Helps cover medical expenses for you and your passengers after an accident.
• Gap or Rental Coverage: Covers the loan balance after a total loss or pays for a rental while your car is being repaired.

Meeting Ohio’s minimum coverage keeps you legal to drive, but adding these options offers stronger financial protection.

Leading insurers like Erie, Nationwide, and American Family provide flexible plans that balance affordability with dependable coverage.

Read more: Collision Auto Insurance

Ways to Save on Auto Insurance in Ohio

Ohio drivers can lower their monthly insurance costs by adjusting their deductible, keeping good credit, and reviewing coverage regularly.

Small policy changes and smart driving habits often lead to noticeable monthly savings. Try the following tips to lower your Ohio car insurance rates:

• Adjust Your Deductible: A higher deductible can lower your monthly premium if you’re comfortable paying more upfront in case of a claim.
• Keep Your Credit in Good Shape: Insurers often reward responsible financial habits with lower rates.
• Drive a Reliable, Safe Vehicle: Cars with safety features and anti-theft systems usually qualify for cheaper insurance.
• Review Your Policy Often: If your vehicle is older or paid off, dropping some coverage might make sense financially.
• Compare Prices Every Year: Shopping around annually helps you stay competitive and avoid overpaying for your policy.

Ohio drivers can take advantage of several ways to save on monthly auto insurance premiums, especially when comparing options from the best insurance companies in Ohio that offer discounts and rewards for safe driving.

Nationwide and Allstate stand out with the largest potential savings, offering up to 40% off through usage-based programs that reward safe driving habits.

Top Auto Insurance Discounts in Ohio

Geico and American Family follow closely, providing up to 25% off for anti-theft devices, bundling, or good driving records. Nationwide only offers a 5% anti-theft discount, but remains competitive in other categories where it offers bigger savings potential.

Erie also keeps rates competitive, offering discounts of up to 30% through multiple categories (Read More: 17 Car Insurance Discounts You Can’t Miss).

While each company’s savings differ, combining discounts like good driver and bundling can make a noticeable difference in your monthly payment.

Even with a couple of blemishes on your driving record, comparing quotes from multiple car insurance companies in Ohio is the easiest way to stay ahead of the curve.

Be sure to read car insurance reviews in Ohio to see which companies local drivers recommend for managing monthly costs while maintaining solid protection.

Top 10 Auto Insurance Providers in Ohio

State Farm leads Ohio’s auto insurance market, with one-third of the share, with Progressive at 30%. The remainder is made up by Allstate, Geico, and Erie.

This spread gives Ohio drivers a mix of choices between bigger providers with wide coverage options and local ones offering more personalized service and lower monthly rates (Learn More: 26 Hacks to Save Money on Auto Insurance).

Erie may not be the largest auto insurance company in Ohio, but it is the top pick for its affordable coverage and excellent customer service reviews.

The top 10 car insurance companies in Ohio combine national reach with regional flexibility so drivers can find dependable coverage at competitive prices.

#1 – Erie Insurance: Top Overall Pick

Pros

• Exceptional Support: Erie is one of the best auto insurance companies in Ohio for its personalized customer service and quick claims processing.
• Affordable Coverage: Some of the lowest average monthly rates in the state, making it a great choice for drivers on a tight budget.
• Local Insight: Erie agents understand Ohio’s mix of urban and rural roads, helping tailor policies to individual needs.

Cons

• Limited Digital Tools: Online account features and mobile services are less advanced than larger competitors.
• Availability Gaps: Coverage areas may be more limited outside larger Ohio cities. Learn more in our Erie insurance review about how location affects coverage availability.

#2 – Nationwide: Best for SmartRide App

Pros

• SmartRide Program: Rewards safe driving habits, helping Ohio drivers cut down on monthly premiums.
• Financial Strength: Backed by strong A+ ratings and a solid reputation for paying claims promptly.
• Custom Options: Offers a variety of coverage choices, from full protection to pay-per-mile plans. Explore customizable options in our Nationwide insurance review.

Cons

• Higher Rates for Young Drivers: Monthly costs can be steeper for Ohio drivers under 25.
• Discount Variation: Savings and program availability differ based on your Ohio ZIP code.

#3 – American Family Insurance: Best for Claims Service

Pros

• Personalized Claims Help: One of the best auto insurance companies in Ohio for hands-on, supportive claims assistance.
• Strong Agent Network: Local representatives provide personal guidance for families and individual drivers.
• Solid Protection Options: Offers flexible, fairly priced coverage for multi-car households. Read our American Family Insurance review to see why it’s a great fit for families.

Cons

• Limited Reach: Smaller footprint in certain areas of Ohio compared to major insurers.
• Premium Increases: Monthly Ohio car insurance rates can rise quickly after an at-fault claim.

#4 – Geico: Best for Budget Rates

Pros

• Low Monthly Costs: Offers some of the cheapest minimum and full coverage rates in Ohio, starting at $36 per month.
• Digital Convenience: Excellent online tools make managing policies simple and quick. Read our Geico insurance review for insights on its digital tools.
• Discount Variety: Extensive savings available for good drivers, federal employees, and military members living in Ohio.

Cons

• Limited Agent Access: Fewer in-person offices compared to regional competitors.
• Impersonal Claims Process: Most of the interactions are online, which can be cumbersome if you’re trying to file a claim.

#5 – State Farm: Best for Local Agents

Pros

• Personalized Service: Among the best auto insurance companies in Ohio for in-person support through its large agent network.
• Reliable Coverage: Strong financial backing ensures dependable claims and stable rates. Based on our State Farm insurance review, its reliability makes it a trusted choice.
• Trusted Brand: Longtime presence in Ohio with consistently high customer satisfaction scores.

Cons

• Higher Costs for Teens: Premiums tend to run higher for younger or high-risk drivers.
• Fewer Tech Discounts: Less emphasis on app-based or usage-based savings.

#6 – Allstate: Best for Add-Ons

Pros

• Customizable Coverage: Offers extensive add-ons like accident forgiveness and new car replacement.
• Safe-Driving Rewards: The Drivewise app helps safe drivers in Ohio save up to 40% on monthly rates.
• Strong Financial Base: High stability ensures reliable claim payments and protection. Our Allstate insurance review explains how its financial strength supports lasting coverage.

Cons

• Above-Average Rates: Rates may be higher than with other car insurance companies in Ohio.
• Discount Requirements: Some savings depend on program participation.

#7 – Progressive: Best for Policy Choices

Pros

• Broad Coverage Options: Ideal for high-risk drivers in Ohio or those seeking specialized protection.
• Snapshot Program: Usage-based option rewards careful driving with lower monthly costs.
• Great Online Experience: Straightforward quoting, quick claims tracking, and clear pricing with easy-to-use online tools.

Cons

• Rate Fluctuations: Premiums can increase significantly after claims. According to our Progressive insurance review, rates vary based on claim frequency and risk.
• Mixed Service Reviews: Customer experience varies by location and agent.

#8 – Auto-Owners Insurance: Best for Flexible Coverage

Pros

• Independent Agents: Offers tailored service via reliable local agents.
• Reliable Claims Handling: Recognized for its fast resolutions and fair payouts. Discover our Auto-Owners insurance review for insights into its claims handling reputation.
• Discount Opportunities: Offers multi-policy and safe driver savings statewide.

Cons

• Limited Online Features: Online account tools are less sophisticated than those from national insurers.
• Availability Limits: Not available in all ZIP codes in Ohio.

#9 – Farmers Insurance: Best for Local Support

Pros

• Strong Customer Support: Local representatives offer claims resolution and policy updates you can count on.
• Comprehensive Choices: Provides add-ons such as accident forgiveness and rental coverage.
• Established Brand: A trusted name among the Best Auto Insurance Companies in Ohio.

Cons

• Higher Premiums: Monthly costs often exceed the state average. In our Farmers Insurance review, we explain why its pricing trends higher.
• Discount Inconsistency: Your Ohio ZIP code and driving record will determine your savings eligibility.

#10 – AAA Insurance: Best for Safe Drivers

Pros

• Safe Driver Rewards: Policies work best for low-risk drivers in Ohio who have a clean record.
• Dependable Service: A solid claims experience with reliable payouts.
• Member Benefits: Pairs car insurance with coverage for roadside assistance and travel accommodations.

Cons

• Membership Costs: Requires an annual membership to access full savings. See our AAA insurance review to understand how membership impacts discount eligibility.
• Higher Rates for Non-Members: Ohio auto insurance premiums can be less competitive without AAA affiliation.

How to Get the Best Auto Insurance in Ohio

Among the best auto insurance companies in Ohio, Erie Insurance stands out as the top pick for affordable minimum coverage and dependable service.

Nationwide is not far behind with features you can earn for safe driving, such as its Drivewise program, and American Family receives plaudits for good claims service.

However, Geico is the cheapest car insurance company in Ohio for minimum and full coverage, making it a popular choice among Ohio drivers. Its convenient mobile tools and long discount list also make it a top pick.

If you need cheaper Ohio auto insurance, consider increasing your deductible and reviewing your policy before renewal.

Each of these insurers offers value in different ways, whether through lower premiums, reliable claims handling, or flexible coverage, helping Ohio drivers find protection that fits their budget and lifestyle.

You can also use our auto insurance guide to compare coverage options and choose the best car insurance in Ohio that works best for you. Find the best auto insurance company near you by entering your ZIP code into our free quote tool.