Best Companies in Ohio for Car Insurance

You can find most major car insurance companies in OH. The average rates for full coverage in the state are $61.76/mo, but comparing quotes can reduce your bill by up to 20%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • Drivers in Ohio will reap the benefits of auto insurance discounts
  • Liberty Mutual offers auto, home, and life insurance policies
  • Geico offers umbrella insurance for your assets, renters insurance for apartment dwellers, homeowners coverage and even flood insurance

Saving money on Ohio car insurance is easy when you take the time to comparison shop. Drivers with great records will want a company that rewards them with fantastic discounts.

Whatever you are seeking, you can find it when you choose to shop around.  Taking the time to compare car insurance quotes can save you hundreds of dollars each year.

Enter your ZIP code above and start comparing car insurance quotes online!

Liberty Mutual

Offering home, life, and auto insurance, this company can take handle most of your insurance needs. Their website features a calculator to help you determine how much car insurance coverage you need while auto discounts make the protection more affordable.

Ask about multi-policy discounts if you have other insurance policies with them.

Special programs include the following:

  • Better car replacement
  • Twelve-month policies
  • Accident forgiveness
  • Unlimited rentals
  • Guaranteed repairs
  • After-hours policy services

— Progressive

With a wide range of offerings, Progressive can cover your home, commercial vehicle, life, health and most of your other assets. They provide discounts to customers who have multiple vehicles or multiple policies. They offer dozens of discounts, including

They offer dozens of discounts, including breaks for homeowners, people who pay the policy in full and customers who sign up online.

Special programs offered by Progressive include:

  • Accident forgiveness
  • GAP insurance
  • Roadside assistance
  • Pet injury coverage
  • Custom parts and equipment coverage
  • Rental reimbursement

— Geico

Whether it’s something you drive or a home you own, Geico can insure it. They offer umbrella insurance for your assets, renters insurance for apartment dwellers, homeowners coverage and even flood insurance.

People traveling around the globe can get protection with overseas insurance, and you can even purchase ID theft protection.

With the ability to insure almost any asset you own, this company is one of the larger providers in Ohio.

Customers can save money with the wide range of car insurance discounts offered by this company.

When getting a quote, customers should ask about discounts for the following:

  • Vehicle safety equipment
  • Driving history
  • Special driver’s education classes
  • Driver affiliations
  • Customer loyalty

— Erie

They aren’t heavily advertised in the state, but they are one of the highest ranked with JD Power. They offer coverage for your home, car, personal property, and even your life.

While other companies have Accident Forgiveness, Erie has something called Rate Lock.

With this program, you can actually lock in your car insurance rates permanently.

The only way your rate will change is if you add or remove a vehicle or driver, or more to a new address. They offer several discounts to help you save money and have more than thirty special auto insurance features.

  • The company works with insurance agents
  • Extended hours claims service is open on weekends and holidays
  • Emergency response teams are prepared for natural disasters
  • Interpreter services are available

— Shelter

This company will insure your business, farm and home in addition to your car, motorcycle, and ATV. They provide coverage for a wide range of assets as well as offering annuities. Discounts are available for safe drivers, good students and people with multiple policies.

Coverage options include collision, comprehensive and liability as well as medical payments, personal injury protection, coverage from uninsured motorist and accidental death benefits.

Gap car insurance is also available to protect you financially should your car ever be declared a total loss.

— Amica

Focusing on auto, home, and life insurance, Amica was named to the 2011 list of Ward’s 50 Top Performers.

They offer a platinum Choice Auto insurance plan that provides drivers with good driving rewards, accident forgiveness, identity fraud monitoring, full glass coverage and upgraded rental coverage.

Several different discounts are available to help you save on car insurance when you choose Amica.

— State Farm

Another national provider, State Farm is very popular in the Buckeye state. Banking services are available with State Farm in addition to life insurance, motorcycle coverage, home insurance and automobile policies.

They offer discounts that can be combined to save you up to 40 percent and provide a wide range of policy options.

Their comprehensive personal injury protection will cover lost wages as well as rehabilitation expenses. Rental reimbursement and emergency road services are also included in State Farm’s products.

There are many great auto insurance providers in the state of Ohio. Ohio is a tort state, so uninsured and underinsured motorist coverage is not required. However, it is still highly recommended.

The highest deductible allowed in the state is $1,000. 

The state minimum requirements call for drivers to carry the following:

  • $12,500 bodily injury coverage per person
  • $25,000 total bodily injury coverage per accident
  • $7,500 to cover for property damage

When purchasing your insurance, be sure to get the Ohio car insurance minimums. Taking the time to comparison shop and look at different providers will help you find the best one for your needs.

In addition to price, you should also look at available discounts and special programs that are available.

With a little research, you can find the best company for your needs. Enter your ZIP code below and start your comparing affordable auto insurance quotes!

References:

  1. https://www.progressive.com/
  2. https://www.progressive.com/auto/progressive-car-insurance/car-insurance-discounts.aspx
  3. https://en.wikipedia.org/wiki/Pet_insurance
  4. https://www.geico.com/getaquote/id-theft/
  5. https://www.jdpower.com/Insurance/ratings/auto-claims-ratings/
  6. https://www.amica.com/en.html
  7. https://www.statefarm.com/

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Average Monthly Car Insurance Rates by State