 Ohio Mutual : $ 304 per year |
 buckeye : $ 313 per year |
 Geico : $ 323 per class |
 state farm : $ 339 per class |
 lake erie : $ 341 per year |
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Ohio
| City | Premium | Percent Increase |
| Findlay | $535 | 0.0% |
| Mansfield | $570 | 6.5% |
| Chillicothe | $572 | 6.8% |
| Zanesville | $576 | 7.6% |
| Marion | $578 | 8.0% |
| Newark | $582 | 8.8% |
| Lancaster | $603 | 12.7% |
| Lima | $605 | 13.0% |
| Medina | $611 | 14.2% |
| Springfield | $615 | 14.9% |
| Painesville | $632 | 18.1% |
| Mentor | $639 | 19.4% |
| Elyria | $661 | 23.4% |
| Dayton | $667 | 24.6% |
| Massillon | $671 | 25.4% |
| Middletown | $674 | 25.8% |
| Warren | $682 | 27.5% |
| Lorain | $683 | 27.7% |
| Canton | $693 | 29.5% |
| Grove City | $695 | 29.8% |
| Akron | $696 | 30.0% |
| Dublin | $700 | 30.9% |
| Westerville | $712 | 33.1% |
| Hilliard | $713 | 33.3% |
| Hamilton | $717 | 34.0% |
| Youngstown | $733 | 37.0% |
| Cincinnati | $741 | 38.4% |
| Columbus | $749 | 40.0% |
| Cleveland | $756 | 41.3% |
| Toledo | $757 | 41.4% |
Factors That Affect Car Insurance Premiums in Ohio
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Read more: Best car insurance companies for 2022
Cheapest Car Insurance in Ohio
6 Tips for How to Get Cheap Car Insurance in Ohio
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Ohio, regional insurers like Westfield, Indiana Farm Bureau, and Erie Insurance might have lower rates than national companies like State Farm and Geico and have comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Ohio
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose coverage that is right for you
You need
Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
5. Search for discounts
Top car insurance companies in Ohio have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
6. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Ohio. On average, drivers in the
Methodology
WalletHub’s analysis of cheap car insurance companies in Ohio is based on data from the Ohio DMV and Quadrant Information Services. Together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Ohio drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Ohio car insurance companies by averaging premiums from 45 zip codes that represent at least 20% of Ohio’s population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability, as required by Ohio’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Ohio insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
In the table below, you can see all of the profile characteristics that were used in WalletHub ’ mho analysis, in addition to the specific subset of characteristics that make up our dependable Driver profile.Below are extra details regarding the terminology and particular characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Ohio policy quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is spokesperson only. person rates will be different. Don ’ triiodothyronine forget to include local policy companies in your search for bum car insurance. In Ohio, regional insurers like Westfield, Indiana Farm Bureau, and Erie Insurance might have lower rates than home companies like State Farm and Geico and have comparable customer gratification ratings.Everyone knows that your driving habits and claims history affect how a lot you pay for car insurance. But in Ohio, companies can besides consider your senesce, gender, credit history, marital condition, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your command all impact the price of insurance.You ’ ll see higher rates if you let your insurance lapse, flush if you don ’ deoxythymidine monophosphate own a car. Ohio drivers who don ’ triiodothyronine maintain continuous coverage pay an median of 9 % more than those with five or more years of indemnity history.You need indebtedness indemnity to pay for the other driver ’ randomness damages if you ’ re at defect in an accident in Ohio. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based policy might be a better meet than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too.Don ’ metric ton skimp on the coverage you need, but do make inform choices. That direction, you won ’ t end up paying for more cable car indemnity than you need.Top car policy companies in Ohio have a kind of discounts, indeed about anyone can find ways to save. You may be able to get a rebate if you ’ re a scholar, veteran, dependable driver, homeowner, uncoerced to go paperless, and more.Car insurance prices can vary a set based on zip up code in Ohio. On average, drivers in the most expensive parts of Ohio spend over $ 500 more per year on car insurance than those living in the least expensive areas.WalletHub ‘s analysis of cheap car indemnity companies in Ohio is based on data from the Ohio DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 unlike driver profiles designed to identify the cheapest car policy companies for Ohio drivers in a solicitation of keystone categories. For each profile, WalletHub compared quotes among lead Ohio car insurance companies by averaging premiums from 45 zip up codes that represent at least 20 % of Ohio ‘s population. Military-specific companies like USAA were lone considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers .