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Cheapest Car Insurance Rates In Ohio (2018)

Finding low cost auto insurance in Ohio should be fairly straightforward in the Internet Age, but with so many companies promising the lowest premiums, the task is much more challenging than most people expect. At PennyGeeks, we decided to make the process easier by evaluating the insurance rates of nine leading providers.

The amount you pay for auto insurance depends on your driving history and dozens of other factors. To speed up your search, we estimated the lowest auto insurance quotes for the following types of drivers:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$87/month estimate

$126/month estimate

If you’ve been accident-free for five or more years, you might think that finding cheap car insurance in Ohio would be a breeze. But before you forego your rate comparison research, consider how much a small reduction in your premiums could save you over time.

With that in mind, it pays to compare quotes from multiple providers even if you’re a low-risk driver in the eyes of insurance companies. Our team recommends that you start with State Farm and Allstate.

Best Rates For Teen Drivers

$166/month estimate

$/month estimate

Most teenagers can’t wait to get behind the wheel, but they soon find out that the privilege to drive comes at a cost. Insurance providers know that teens have a higher accident rate than other age groups, so they charge more for auto insurance. To find the cheapest auto insurance rates for teens in Ohio, we took the average of a female and male 18-year-old driver with a clean accident history who was looking for the minimum required insurance coverage.

Best Rates For Drivers With A DUI

$96/month estimate

$175/month estimate

Have you been convicted of OVI or DUI recently? If so, you can expect to pay more for insurance. But some companies place a lot more emphasis on OVI than others. Your premiums might decrease significantly if you make the switch to State Farm or Allstate.

Best Rates For Senior Drivers

$63/month estimate

$114/month estimate

Our researchers used a 65-year-old male and female driver to find the cheapest car insurance rates for seniors in Ohio. We determined that State Farm offers the best quotes at an estimated $63 per month. Allstate followed closely with estimated monthly premiums of $114.


We used a default motorist age 29 who commutes 12,000 miles per year in a 2014 Toyota Corolla. The default driver had a clean accident history from the previous five years. Our estimates are based on average premiums of males and females in five OH zip codes. Besides the teen driver part of our study, our team used liability coverage limits of 50/100/25 and also 50/100/25 limits for uninsured motorist coverage.

What Are The Minimum Auto Insurance Liability Limits In Ohio?

The minimum car insurance liability limits in Ohio are as follows:

  • For Bodily Injury To One Individual: $25,000
  • For Bodily Injury Per Accident: $50,000
  • For Damage To Property: $25,000


cheapest car insurance in ohio

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