- Car insurance in Ohio is very affordable, with the average driver paying $726 per year for coverage, according to the Insurance Information Institute.
- Just because it’s affordable doesn’t mean that there isn’t still room to save. Ohio drivers could still save lots by shopping around for coverage.
- Progressive tends to offer the best affordable coverage for all credit types, according to Consumer Reports data.
- Read more personal finance coverage.
In Ohio, car insurance is pretty affordable. The average driver pays $726 per year in the Buckeye state, much lower than the national average of $935 per year.
There are many factors that go into the price you’ll pay for auto insurance coverage, including your age, gender, driving record and more. But, each company prices its premiums, or the amount you’ll pay for coverage, differently based on these factors.
Shopping around is by far the best way to save on car insurance. Here are the companies that offer the best affordable coverage in Ohio to get you started with your search.
Who has the best cheap car insurance in Ohio?
Consumer Reports compiled auto insurance pricing information from every company in each state, and used the data to find out which companies offered the best cheap car insurance in each state based on an average single adult driver.
Here are the three companies it found had the best deals for the average single Ohio driver, and the estimated average yearly premium for each company.
Drivers with good credit (or FICO scores between 670 to 739) should try these three companies for their car insurance coverage:
- Progressive car insurance: $516 per year
- USAA car insurance: $636 per year
- Grange Mutual car insurance: $683 per year
Drivers with excellent credit (scores above 800 according to FICO) will see some of the best prices for car insurance at these companies, on average:
- Progressive car insurance: $424 per year
- USAA car insurance: $481 per year
- Grange Mutual car insurance: $589 per year
Drivers with poor credit (or credit scores between 300 and 579) often pay much more than drivers with better credit for car insurance coverage:
- Progressive car insurance: $868 per year
- Grange Mutual car insurance: $1,094 per year
- Nationwide car insurance: $1,488 per year
Who gets the best cheap car insurance in Ohio?
As the numbers show above, the drivers who will get the most affordable car insurance rates are those with the best credit scores.
But, there are a lot of factors other than credit scores that go into your premium. Things like where in Ohio you live, and the type of car you drive will also contribute to the price.
When you start looking for car insurance, you’ll want to make sure that you’re shopping around. Check with several different insurance companies for quotes, and make sure you compare them to find the best coverage. Look for the highest limits, the most coverage types, and the lowest deductible to find the best insurance policy for your money.