Ohio's cheapest car insurance for 2021

 Drivers in Ohio pay an average of $328 per year for full coverage and $1,034 per year for comprehensive coverage. These low rates are possible in part because, despite the fact that Ohio has over 8 million licenced drivers, large swaths of the state are relatively rural. This could imply that roadway congestion is relatively low in much of the state, which could lead to a lower accident rate.

Ohio's cheapest car insurance for 2021

Although average rates in Ohio are significantly lower than the national average, you may still be looking for the cheapest car insurance in Ohio.

Ohio's cheapest car insurance for 2021

If you are looking for the best cheap car insurance in Ohio, the following companies may be a good place to start:


Although not everyone is eligible for USAA coverage (it is only available to current or former military members or immediate family members), the company does have the lowest average minimum and full coverage premiums on our list. If you are eligible for coverage, you should get a quote from USAA.
In addition to having low average premiums, USAA has a high customer satisfaction rating. USAA consistently receives high marks. The company also provides several ways to save money, such as discounts on new cars, parking your vehicle on a military base, and driving a vehicle with low annual mileage.


In addition to low rates, Erie provides a variety of policy options. This company may be a good option for Ohio drivers looking for a low premium without sacrificing coverage quality. Pet coverage, glass repair, locksmith services, personal item coverage, and other options are available through Erie's car insurance policies.

Discounts offered by Erie include usage-based savings and lower rates for drivers under the age of 21 who live with their parents. Erie also provides a rate lock guarantee, which means that your premium will not rise until you make changes to the policy, such as adding a car or driver. There is also a diminishing deductible programme, which reduces your deductible by $100 for each claim-free policy year, up to $500.

State Farm

State Farm is the nation's largest personal auto insurance company. Although not the cheapest on our list, State Farm's average rates are still significantly lower than Ohio's average rates. State Farm may be a good choice if you prefer to handle your insurance needs in person, as it sells its products through a network of agents. 

The company provides a variety of discounts, including two safe driving programmes. Drive Safe & Save is aimed at adults, whereas Steer Clear is aimed at teen drivers. You could also save money by insuring more than one policy with State Farm, driving safely, or installing certain vehicle safety features on your vehicle.


In addition to its low average rates, Geico has one of the industry's most extensive lists of available discounts. You could save money if you have certain vehicle safety features, are a federal employee or a member of the military, insure a new car, or buy more than one policy from Geico
Geico is a good option if you prefer to manage your insurance online or through a mobile app. You can use the app to file claims, request roadside assistance, pay bills, and make changes to your policy. On the App Store, the app has over 2.7 million reviews and a rating of 4.8 out of 5.0. Over 375,000 people have reviewed the app on Google Play, giving it a rating of 4.7 out of 5.0.


Westfield may be a good choice if you are looking for a company with a long history in Ohio. Westfield is one of the state's largest non-public companies and a major employer of Buckeyes. However, the company's policies are fairly basic, with only a few customization options
Despite the fact that Westfield's average full coverage is higher than Ohio's average, the company may offer you ways to save, though no specific discounts are advertised on its website. Local Westfield agents may be able to assist you in identifying cost-cutting opportunities.

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