5 Best Ohio Car Insurance Providers (2022)

Advertiser disclosure If you are a driver in the Buckeye State, you want to know how to save money on Ohio cable car indemnity. While there are several ways to lower your cable car policy premiums, the best way to cut costs is to find Ohio car insurance with the cheapest rates. We have already evaluated the best car insurance companies in the diligence. During our research, we were able to determine what car indemnity coverage would besides be the cheapest for drivers in Ohio. here ’ second what we found while looking for the cheapest cable car indemnity. To get matched with the best ohio cable car policy rates, use our creature below for a free, individualized quote.

In this article:

Cheapest Car Insurance Companies In Ohio

According to our rate estimates for Ohio, USAA is the cheapest choice for car owners. Nationwide, State Farm, and Erie follow close behind as low-cost options for car indemnity.

Car Insurance Provider Average Annual Cost Estimate
USAA $662
Nationwide $703
State Farm $825
Erie $835
Progressive $947

How Much Does Ohio Car Insurance Cost?

According to the NAIC, Ohio car insurance rates in 2018 averaged $ 795 per year, which is significantly cheaper than the national average of $ 1,056. here ’ s a breakdown of the coverage costs for car indemnity in Ohio that year according to the Insurance Information Institute ( III ) :

Type Of Coverage Average Annual Expenditure
Liability coverage $448
Collision coverage $302
Comprehensive coverage $131
Total Cost $795

*Most drivers carry liability coverage but not inevitably other types of car indemnity. sum average annual outgo measures what Ohio drivers actually spent on car insurance in 2018. Of course, the car insurance rates that you find will vary according to your situation. Your age, your travel rapidly code, your driving record, and more can affect car policy rates. indemnity is more expensive in populous areas, so if you live in a hard area of Cleveland, Cincinnati, or Columbus, you ‘ll pay more for Ohio car policy than person who lives far out in the suburb or in a rural area.

Annual Ohio Car Insurance Estimates By Age

Age can be one of the biggest factors of car insurance rates in Ohio. A 24-year-old may pay up to 37 percentage more than a 35-year-old in the submit.

Age Ohio Annual Car Insurance
24 $1289
35 $939

Annual Ohio Car Insurance Estimates By Gender

car indemnity rates for both men and women do n’t differ much in Ohio. Men pay only 2 percentage more for car policy than women.

Gender Ohio Annual Car Insurance
Female $931
Male $946

Annual Ohio Car Insurance Estimates For Drivers With Bad Credit

Drivers with good credit can save up to 72 percentage more for car indemnity than drivers with fair or inadequate credit in Ohio.

Credit Rating Ohio Annual Car Insurance
Good $939
Fair $1130
Poor $1614

Annual Ohio Car Insurance Estimates For Bad Drivers

Having a clean repel record can reduce your car policy rate by up to 62 percentage compared to car owners with bad repel records.

Driving Record Ohio Annual Car Insurance
Clean $939
Speeding Ticket $1148
At-Fault Accident $1357
DUI $1524

5 Best Ohio Car Insurance Providers

In evaluating the best insurance company options, we found respective companies that besides suit the needs of drivers in Ohio. To determine which ship’s company fits your needs, you should consider respective aspects. First, you should look at the supplier ’ second repute. You besides want to examine customer service rankings and the cost of having a policy. From there, it ’ second good to inquiry the available car policy discounts and look at the extra perks. We ’ ve already done all of that and found that these five providers would be perfect for cable car policy in Ohio. *Not all companies were included in our rate estimates for each state. You may besides notice that some car insurance companies are listed above those with higher star topology ratings. This is because our ratings take into account countrywide factors, while our ranking for this article looks specifically at what policy providers are best for Ohio car policy.

#1 USAA Car Insurance: Our Top Pick For Ohio

If you are a military extremity in search of car insurance in Ohio, USAA generally offers the best rates. aside from that, you will besides qualify for coverage as a seasoned or class member of person in the service. USAA systematically provides humble car insurance rates under a assortment of circumstances. While not everyone will be able to get Ohio car insurance with USAA, it pays to look into the plans. In both the 2020 J.D. Power U.S. Auto Insurance Study and the 2020 U.S. Auto Claims Satisfaction Study, USAA excelled above the early options. Take a look at what a USAA customer has to say about coverage.

“ I ‘ve had USAA policy, base and car, for over 20 years, no problems. last accident = forgiveness. They were very courteous. ” -D. Thomas via the Better Business Bureau ( BBB )

Some of the caller ’ sulfur coverage options that set it apart include :

  • Roadside assistance: Get peace of mind knowing that you are covered for towing, flat tire changes, fuel delivery, lockout service, and jump-starts. This optional coverage can be added on for a small fee.
  • Accident forgiveness: When you pay for this program, your premiums won’t increase after your first at-fault accident. Then, remain accident-free for five years and USAA automatically adds it to your policy for free.
  • Rental reimbursement: If your vehicle goes into the shop for repairs, you can utilize this optional coverage to get a rental car.
  • Car replacement assistance: With this plan, you will receive 20 percent more than the actual value of your car after an accident.
  • Gap insurance: If you finance your car, you will want to add this protection on, and many lenders require it. If your vehicle is declared a total loss, USAA ensures that the loan is paid off. Unfortunately, the company doesn’t provide this protection for leased vehicles, as some other providers do.

Glass coverage is not available with Ohio car insurance from USAA. still, the ship’s company not only provides brassy cable car insurance in most situations but besides a variety show of policy terms. If you can qualify, we believe you will find especial coverage through this insurance company.

Pros Cons
Affordable rates and numerous discounts Only available for military and their families
Good option for military members  
Superior financial strength rating and A- rating from the BBB  

To learn more about the car indemnity supplier, check out our review of USAA insurance.

#2 Geico Car Insurance: Runner-Up

For those of you that can not get coverage through USAA, the adjacent best option for car indemnity in Ohio would be Geico. The company has become known for its gecko mascot and “ 15 seconds will save you 15 percentage or more ” commercials. With all the popularity and money spent on advertise, it ’ randomness common to think that the Geico will have higher prices. amazingly, the provider actually ends up being one of the cheapest when comparing car policy quotation mark information. The rates for Ohio car indemnity through Geico leap importantly if you have marks on your drive record or have bad credit. For this reason, Geico might only offer competitive rates if you have a estimable repel record and commodity credit sexual conquest, but it doesn ’ deoxythymidine monophosphate hurt to get a free quote and see what ’ mho offered. vitamin a far as repute goes, Geico is one of the top options. not only do the 2020 U.S. Auto Insurance Study and the 2020 U.S. Auto Claims Satisfaction Study show good scores, but Geico maintains an A+ rat from the BBB. Let ’ s see what a Geico customer has to say about coverage.

“ I ‘ve never had such a great policy company. They have answered every question regardless of what time it was. They were with me every step of the way when our cable car was wrecked. They took care of everything. ” -Heather via Trustpilot

extra policy options from Geico include :

  • Accident forgiveness: Keep the same rate, even after an at-fault accident.
  • Roadside assistance: Choose to add access to towing, jump-start services, a locksmith, and more.
  • Rental car coverage: You can receive reimbursement for a rental car if your coverage includes it.
  • Coverage for belongings: If your vehicle gets broken into, you can use the additional coverage to replace the stolen items.
  • Glass coverage: Geico provides full glass protection against road debris or other objects that break your car’s windshield.

While Geico might not have the lowest car indemnity rates in Ohio, it ’ second worth taking a few minutes to see what ’ sulfur offered.

Pros Cons
Superior financial strength rating and A+ rating from the BBB Average quotes experience
Many choices for coverage Usage-based app not available in all states
High level of customer satisfaction  
Available in 50 states  

To learn more about the car indemnity supplier, check out our comprehensive examination Geico review.

#3 American Family Auto Insurance

Another company that we recommend for Ohio car policy is american Family Insurance. This indemnity supplier is a good choice for parents with teenagers who are starting to drive, for seniors, and for people who are looking to bundle multiple policies like home and car insurance. The caller offers several discounts, many of which are facilitated through the KnowYourDrive program. The program allows you to download an app that will keep path of your driving habits on which your discounts are then based. In terms of customer satisfaction with the claims march, American Family ranked the highest in the Southwest area in the 2020 J.D. Power U.S. Auto Insurance Study. It besides ranked third base among mid-size insurers in the 2020 U.S. Insurance Shopping Study. That ’ s crucial to keep in mind when you ’ re trying to find a supplier with great customer overhaul.

Pros Cons
Ideal for young drivers or people who want
to bundle multiple policies
Limited locations
Known for low rates Negative reviews about claims process
Several discounts available  
MyAmFam app to manage your account  

To learn more about the cable car indemnity provider, check out our review of american Family car insurance.

#4 Travelers Insurance

Travelers may not be a well known as Geico or USAA, but the company is a big player in the car policy industry. Like most of its contest, it has an A+ rat with the BBB and an A++ fiscal intensity rating from AM Best. Along with basic coverage, you can receive the following through Travelers :

  • Roadside assistance
  • Rental car reimbursement
  • Gap insurance
  • New car replacement
  • Accident forgiveness

Quotes are available on-line and by call, but Travelers primarily works through freelancer agents. That can be a fringe benefit for drivers who want to form a personal connection with one agent.

Pros Cons
Superior financial strength rating and A+ rating from the BBB Expensive coverage
Available in 43 states Mixed customer service reviews
Long new car replacement coverage and new driver discounts  
Fairly easy quote process  

To learn more about the car insurance supplier, check out our review of Travelers policy.

#5 Progressive Car Insurance

We besides think Progressive is a great choice for Ohio car insurance. Progressive came in one-fourth place in our ranking of national car insurance companies overall, earning 4.5 out of 5.0 stars. The car insurance company wrote over $ 31 billion in premiums in 2019, according to the National Association of Insurance Commissioners ( NAIC ), and is the third largest ship’s company for individual car policy. It has an A+ rate from AM Best, though it performed average on both of the J.D. Power studies mentioned above. In addition to standard coverages, Progressive offers coverage options like wayside aid, lend return, custom-made parts coverage, and indemnity for rideshare drivers. The company has some properly car policy discounts, besides. You can lower your pace with the Snapshot app, and you can save $ 50 toward your deductible for each policy term you have without a claim.

Pros Cons
One of the top auto insurers in the United States Average claims process
Superior financial strength rating and A- rating from the BBB Mixed customer service reviews
Great choice for high-risk drivers Higher rates than some competitors
Several money-saving features and easy quotes process  

To learn more about the car indemnity provider, check out our entire Progressive indemnity review. enter your travel rapidly code in our tool below to start comparing Ohio car policy quotes.

Ohio Car Insurance Requirements

Ohio law mandates a certain sum of car policy coverage for residents. Drivers must maintain a minimal of :

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

These car indemnity terms lone apply to the price you cause to other people ’ randomness property. none of these minimums will cover what happens to your vehicle or your occupants as a leave of an accident that you cause. Each state dictates what type of car indemnity coverage is required. The majority of state-required car indemnity includes some human body of bodily injury liability and property wrong liability. other states besides require personal injury auspices, uninsured motorist coverage, and underinsured motorist coverage. A dangerous accident could quickly surpass Ohio ‘s minimum liability car policy coverage requirements. If you don ’ deoxythymidine monophosphate want to pay for the bills out of pocket, you should consider carrying more than the state minimum Ohio car insurance. There are a few optional coverages you could choose.

  • Comprehensive
  • Collision
  • Medical benefits
  • Uninsured/underinsured motorist coverage
  • Loan/lease payoff
  • Rental car reimbursement
  • Roadside assistance

Ohio is considered an at-fault state. This term means that whoever caused the accident is responsible for the damages. typically, these damages are covered by the indemnity ship’s company immediately, unless the term limits wear ’ t admit for compensation.

Alternate Car Insurance in Ohio

Some drivers are denied coverage in the voluntary market because of hapless credit rating, a bad drive commemorate, or early factors. In these situations, drivers must apply through the Ohio Automobile Insurance Plan. There ’ south besides the option to forgo car policy if you can prove fiscal responsibility. You have two available choices.

  • Leave a $30,000 deposit with the state treasury in bonds or cash.
  • Purchase a bond from the Bureau of Motor Vehicles for $30,000 by using your property that contains equity of at least $60,000.

Driving In Ohio

Ohio boasts of more than 7.5 million license drivers. That statistic places the state seventh out of the stallion state. Among those drivers, 537,000 ( 7 percentage ) are under the long time of 21. In the state of Ohio, adolescent drivers are permitted to receive their probationary license at the long time of 15 and a half. then, the adolescent must complete a driver education class and polish 50 hours of driving. After six months, and these requirements are met, the young driver may get a license. Until the long time of 18, teens must follow extra driving rules, including :

  • No operation of a vehicle between midnight and 6:00 AM without a parent (in the first year). After the first year, this changes to 1:00 AM until 5:00 AM.
  • Teens may only have one non-family member in the car without a parent (in the first year).
  • Everyone must wear seat belts.
  • No use of mobile phones is permitted.

Ohio besides ranks right near the middle of the nation in terms of road conditions. not that long ago, Ohio was ranked as one of the top states to drive in. however, the submit ’ mho road conditions have importantly worsened. The bridges have besides started to become insufficient, which far reduces the state ’ mho standing. Despite this information, according to the III, Ohio car policy rates continue to be on the lower side when compared with other states. According to the Ohio State Highway Patrol, traffic fatalities were higher in 2019 than they were in 2018. Given this information and the decline of roadway conditions, car insurance in Ohio might start to become more expensive.

How To Save Money On Ohio Car Insurance

If you want to save money on your Ohio car policy, we have some tips for you.

  • Shop discounts: Each insurer offers its own set of discounts. Browse through to see which ones you can qualify for. Sometimes, you can get a better Ohio car insurance rate by choosing a higher-priced company that offers more discounts.
  • Bundle your policies: If you already have renters or homeowners insurance, you should check with that provider first. Many companies offer a significant discount if you have multiple policies.
  • Adjust your deductible: The deductible is the amount you will pay for your comprehensive and collision claims. The less you pay, the higher your premium will be and vice versa. If you can afford to pay more out of pocket during an incident, raise the deductible and save money on your premiums.
  • Maintain a good credit score: You saw the difference good credit makes when it comes to car insurance costs. If you pay your bills on time, the insurance company will give you a lower rate.
  • Be a safe driver: If you have a clean driving record, you will also get a lower cost. Some companies offer an app that monitors how you drive. If you maintain low speeds and don’t brake heavy, the company will give you a substantial discount. Consider looking at State Farm’s Drive Safe & Save Program for one.
  • Consider your vehicle: If you drive a luxury sports car, you may not know how much that affects your Ohio car insurance rates. Providers must take into account the cost to repair your vehicle when determining the price of your policy. If you are planning to purchase a new or used vehicle, it helps to check with your insurance provider first.

Most importantly, we can ’ thyroxine emphasize enough how crucial it is to shop around. Cross-reference our top policy providers guide and get a quotation mark from at least three reputable options. You can use our creature below to get the best ohio car indemnity rates in your area.

Methodology

In an effort to provide accurate and indifferent information to consumers, our expert review team collects data from dozens of car insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the trace categories, equally well as an overall weighted grade out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

Read our other indemnity articles :

Leave a Reply

Your email address will not be published.