Best Auto Insurance Companies Ohio

In Ohio, drivers have many auto insurance options. The average cost for full coverage is $1,497 a year, which is lower than the national average. For minimum coverage, it’s $400 a year, also lower than the national average.

Bankrate’s analysis found Geico, USAA, State Farm, Auto-Owners, and Hastings as top choices in Ohio. They offer great rates, strong financial health, and excellent customer service. This makes them great options for Ohio drivers.

Key Takeaways

The average cost of full coverage auto insurance in Ohio is $1,497 per year, significantly lower than the national average.
Geico, USAA, State Farm, Auto-Owners, and Hastings Mutual are among the top-rated auto insurance companies in Ohio.
These insurers offer a mix of competitive rates, financial stability, and high customer satisfaction.
Ohio’s car insurance market is highly competitive, with over 8.2 million licensed drivers in the state.
Factors like rates, coverage options, and customer service are key considerations when choosing the best auto insurance in Ohio.

Key Factors to Consider When Choosing Auto Insurance in Ohio

When picking auto insurance in Ohio, think about a few important things to get the right coverage at good rates. Look at the rates and available discounts, the coverage options, and the financial strength and customer service reputation of the insurance company.

Rates and Discounts

Auto insurance rates in Ohio can change a lot between companies. It’s key to compare quotes to find affordable coverage that fits your needs. Ohio insurers offer many discounts, like for safe driving, using a car seat, or taking a defensive driving course. Using these discounts can help keep your insurance costs down.

Coverage Options

Ohio car insurance coverage includes basic types like liability, collision, and comprehensive. But, many companies also offer extra coverages. These can be roadside help, rental car coverage, and gap insurance. Looking at these options can help you pick a policy that protects your car and driving habits well.

Financial Strength and Customer Service

It’s also vital to check the financial health and customer service of an insurance company in Ohio. Companies with high ratings from agencies like AM Best are more likely to pay claims. Plus, those with good customer satisfaction ratings can give Ohio drivers peace of mind.

By looking at these key factors, Ohio drivers can find the best auto insurance companies. These companies offer great rates, discounts, coverage options, and customer service.

Top Auto Insurance Providers in Ohio

Looking for the best auto insurance companies in Ohio or the top car insurance providers in Ohio? Several insurers are top choices. They are picked for their rates, coverage options, financial strength, and customer satisfaction. Geico, USAA, State Farm, Auto-Owners, and Hastings Mutual are some of the leaders.

These companies have high rankings and offer great products and services to Ohio drivers. Let’s see what makes each of these top auto insurance providers in Ohio stand out:

Geico is known for its low rates, offering the second-cheapest car insurance in Ohio at an average of $65 per month.
USAA is the cheapest car insurance company in Ohio, with an average cost of $59 per month or $712 per year. It also ranks highest in customer satisfaction according to the J.D. Power Auto Insurance Study 2023.
State Farm provides the most affordable rates for Ohio drivers with violations, accidents, or a DUI on their record.
Auto-Owners is an excellent choice for those seeking minimum coverage or looking to bundle their policies, with competitive pricing.
Hastings Mutual stands out for its wide range of coverage options, including unique add-ons like identity theft protection.

When shopping for auto insurance in Ohio, it’s important to compare quotes from these top providers. Look at factors like discounts, customer service, and financial stability. This way, you can find the best car insurance in Ohio for your needs.

Geico: Best for Low Rates

Looking for geico ohio car insurance and geico auto insurance ohio? Geico is a top pick for Ohio drivers. It’s known for its low base rates, perfect for those wanting to save money on geico auto insurance rates ohio.

Geico Coverage Options

Geico has a wide range of coverage options. You can choose from liability, collision, and comprehensive protection. They also offer extras like roadside assistance and rental car reimbursement. This lets Ohio drivers customize their policies to fit their needs.

Geico Discounts and Pricing

Geico has many geico ohio car insurance discounts to help Ohio drivers save more. You could get discounts if you’re a government employee, in a group, military, a good student, or a senior who took a defensive driving course.
The average cost of car insurance in Ohio is $1,660 a year or $138 a month for full coverage. With Geico’s low prices and big discounts, Ohio drivers can save a lot on their auto insurance.

Geico’s low rates and many discounts make it a great choice for geico ohio car insurance and geico auto insurance ohio. Ohio drivers can get great prices and customize their coverage to fit their needs.

USAA: Best for Customer Satisfaction

USAA is a top pick for auto insurance in Ohio, especially for its high customer satisfaction ratings. It serves military members, veterans, and their families. Experts and customers praise its great customer service, quick claims handling, and easy-to-use experience.

USAA is known for its outstanding customer service. A recent survey showed that USAA auto insurance customer service in Ohio got lots of positive feedback. People liked the quick help, knowledgeable staff, and easy claims process. This focus on making customers happy makes USAA a top choice in Ohio.

USAA also offers many coverage options and discounts for its military members. With programs like SafePilot and various coverage choices, USAA gives usaa ohio car insurance customers a flexible and affordable solution.

“USAA’s customer service is unparalleled. They always go the extra mile to ensure my family is taken care of.”

USAA shines with its high ratings, great customer satisfaction, and special coverage for usaa auto insurance customer service ohio residents. It’s a top pick for those looking for a dependable and responsive auto insurance company.

State Farm: Best for Local Agents

In Ohio, State Farm is a top pick for auto insurance. It has a large network of local agents all over the state. This means Ohio drivers can easily find a dedicated agent to help them choose the best state farm ohio car insurance and state farm auto insurance coverage ohio options.

State Farm Coverage Options

State Farm offers a wide range of auto insurance coverages. These include liability, collision, and comprehensive. They also have add-ons like emergency roadside assistance and rental car reimbursement. These options give Ohio drivers extra peace of mind while driving.

Liability coverage to protect against third-party claims
Collision coverage to repair damage to your vehicle
Comprehensive coverage for non-collision incidents like theft or weather damage
Emergency roadside assistance for flat tires, battery issues, and more
Rental car reimbursement to cover the cost of a rental while your car is being repaired

With over 19,000 local agents, State Farm makes it easy for Ohio drivers to find the right coverage. They offer competitive rates and many discounts. These include savings for bundling policies, safe driving, and more. This makes them a top choice for auto insurance in Ohio.

Auto-Owners: Best for Bundling

For Ohio drivers, Auto-Owners car insurance is a top pick. It offers great coverage and big savings when you bundle policies. By combining auto insurance with homeowners or life insurance, you can save a lot.

Ohio customers can save up to 30% by bundling home and auto insurance with Auto-Owners. This makes it a top choice for bundling auto insurance ohio. The company is financially stable and highly rated by customers, making it a great option for Ohio drivers.

Auto-Owners ranks No. 2 in Best Auto Insurance Companies and No. 3 in Best Home Insurance Companies in Ohio for its bundling discounts
Customers can expect an average discount of $381, or 13%, when bundling home and auto insurance with Auto-Owners in Ohio
Bundling with Auto-Owners can lead to significant savings, with the average annual cost of their auto insurance policy being $1,391

“Auto-Owners provides exceptional value for Ohio drivers through its comprehensive coverage options and industry-leading bundling discounts. By combining multiple policies, customers can truly maximize their savings.”

Looking for auto-owners ohio car insurance or want to bundle for more savings? Auto-Owners is a top choice for Ohio residents. It’s all about customer satisfaction and big discounts, making it a smart choice for the best insurance value.

Hastings Mutual: Best for Coverage Options

Hastings Mutual is a leading insurance company in Ohio. It offers a wide range of auto insurance options. These options include standard policies and valuable add-ons for Ohio drivers.

Hastings Mutual Add-On Coverages

Hastings Mutual lets you customize your auto insurance with various optional coverages. These include:

Pet Injury Protection – Covers pets hurt in an accident.
Windshield Repair – Pays for windshield repairs or replacements.
Travel Expense Reimbursement – Covers meals, lodging, and transport if your car is fixed far from home.
Key Replacement – Reimburses for lost or stolen keys and key fobs.
Child Restraint System Coverage – Pays up to $400 to replace a damaged child car seat.
Emergency Roadside Assistance – Offers towing, tire changes, and emergency fluid delivery.

With these add-ons, Hastings Mutual policyholders in Ohio can customize their insurance. They can ensure they have the right protection for their needs.

Hastings Mutual is a top choice for auto insurance in Ohio. It offers many valuable add-ons. This lets drivers create a policy that fits their unique needs.

Nationwide: Best Overall for Ohio Drivers

When looking for the best auto insurance in Ohio, Nationwide is the top choice. It’s a leading provider of nationwide ohio car insurance and nationwide auto insurance coverage ohio. Nationwide offers a wide range of coverage options, great discounts, and excellent customer service. This makes it a great option for Ohio drivers.

Nationwide Coverage Options

Nationwide gives Ohio customers the flexibility to create a policy that fits their needs. They offer more than just basic auto insurance. You can add-ons like:

Roadside assistance
Rental car reimbursement
Gap insurance
And more

Nationwide Discounts and Pricing

Nationwide is our top pick for nationwide auto insurance rates ohio because of its competitive prices and many discounts. Ohio drivers can get discounts for:

Safe driving
Vehicle safety features
Bundling auto insurance with other Nationwide policies

These discounts, along with Nationwide’s affordable nationwide ohio car insurance rates, help Ohio drivers save money on their auto insurance.

“Nationwide’s comprehensive coverage options, competitive pricing, and strong customer service make it an excellent choice for Ohio drivers looking to protect themselves and their vehicles.”

Erie Insurance: Strong Industry Ratings

Erie Insurance has been a trusted name in Ohio since 1968. They offer a variety of coverage options and discounts. This has made them known for their financial stability and great customer service.

Erie Insurance Add-On Coverages

Erie Insurance also has add-ons to boost your protection. These include:

Windshield repair coverage, which waives the deductible for glass repairs
Pet injury protection, providing up to $500 per pet with a $1,000 total limit
Roadside assistance and robust rental car coverage
Coverage for personal items inside the insured vehicle, up to $350
Locksmith services up to $75 for accidentally locking keys in the car

The Auto Plus® package lets you customize your coverage. It offers more protection at a good price.

Erie Insurance Metrics	Data
Ranking among car insurance providers	5th out of 130 providers
Average cost for full coverage policy	$1,894 per year or $158 per month
Average cost for minimum liability policy	$655 per year or $55 per month
Comparison to national average for full coverage	29% below the national average of $2,681
Average cost for home insurance	$2,138 per year, below the national average of $2,511

Erie Insurance stands out with its strong ratings, wide coverage, and good prices. They focus on personalized service and making customers happy. This makes them a top choice for erie insurance ohio car insurance and erie insurance add-on coverages ohio.

best auto insurance companies ohio

When searching for the best auto insurance in Ohio, several companies shine for their great rates, wide coverage, financial strength, and top-notch customer service. Geico, USAA, State Farm, Auto-Owners, Hastings Mutual, Nationwide, and Erie Insurance are among the top choices. They excel in industry rankings and offer products that meet Ohio drivers’ unique needs.

These companies are known for their affordable premiums and many discounts. They provide reliable protection on the road. With their help, Ohio drivers can find auto insurance providers in Ohio that fit their budgets and needs.

Geico is famous for its low prices and many discounts, making it a favorite among Ohio drivers.
USAA is highly praised for its outstanding customer satisfaction, but it’s only for military members and their families.
State Farm has a large network of local agents, offering personalized service and coverage options for Ohio residents.
Auto-Owners is known for bundling home, life, and auto insurance, which can save policyholders money.
Hastings Mutual offers many add-on coverages, letting Ohio drivers tailor their policies.
Nationwide is often ranked as one of the top ohio car insurance companies, known for its wide coverage and good prices.
Erie Insurance is praised for its financial strength and leading customer satisfaction ratings.

Looking for the cheapest auto insurance rates in Ohio or the best service? These leading insurers are great options when shopping for your next auto policy.

Cheapest Car Insurance Companies in Ohio

Finding the cheapest car insurance in Ohio involves looking at several things. This includes the driver’s age, their driving record, and the coverage they choose. Our research shows the cheapest car insurance options in Ohio for good drivers and young drivers are as follows:

Cheapest for Good Drivers

For drivers in Ohio with clean records, Buckeye and Travelers are the cheapest car insurance companies. They offer the lowest average monthly premiums for drivers with no accidents or violations.

Cheapest for Young Drivers

Young drivers in Ohio can find the cheapest auto insurance options with Central Mutual, Travelers, and Auto-Owners. These companies have the lowest average rates for full and minimum coverage policies for 20-year-old drivers. Yet, young drivers in Ohio still pay more than older drivers.

“Ohio ranks 3rd for cheapest car insurance rates in the United States, with the average driver paying $1,034 per year for auto insurance.”

Age, coverage levels, and driving history affect the cheapest car insurance rates in Ohio. By comparing quotes and using discounts, Ohio drivers can find affordable coverage that fits their needs and budget.

How to Get the Best Rates in Ohio

To get the best auto insurance rates in Ohio, drivers need to actively compare quotes from different providers. By looking at quotes from various insurers, Ohio drivers can find the most affordable options that fit their needs. Things like coverage levels, discounts, and driving history affect the final quote. So, it’s key to compare similar options when shopping for car insurance.

Comparing Quotes

It’s vital to compare auto insurance quotes in Ohio to find the best rates. Drivers should get quotes from several insurance companies and look at coverage options, deductibles, and costs. This helps Ohioans find the provider that offers the best protection at a good price.

Taking Advantage of Discounts

Ohio drivers can also save money by taking advantage of discounts. Discounts are available for safe driving, having safety features in your car, being a good student, taking defensive driving courses, and bundling auto insurance with other policies. By using all the ohio car insurance discounts they can save more on car insurance.

By using these tips, Ohio residents can make sure they get the best car insurance rates and compare auto insurance quotes to find the right coverage for their budget and needs.

“Comparing quotes and taking advantage of discounts are key to getting the best auto insurance rates in Ohio.”

Minimum Car Insurance Requirements in Ohio

In Ohio, drivers must have certain auto insurance to legally drive. [https://carinsurepro.net/car-insurance-cleveland-ohio/] You need $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

These levels make sure Ohio drivers are responsible for damages or injuries from accidents. Not having enough insurance can lead to serious consequences like having your car taken away, losing your license, or even going to jail if you’re in an accident without insurance.

Coverage Type	Minimum Requirement
Bodily Injury Liability	$25,000 per person / $50,000 per accident
Property Damage Liability	$25,000 per accident

While the law says you must have these coverages, many Ohio drivers get more. They buy things like coverage for uninsured drivers, extra protection for injuries, or help with rental cars. By comparing ohio auto liability insurance quotes, drivers can find the best deals for their needs and budget.

“Maintaining the required minimum auto insurance coverage in Ohio is not only the law, but it also provides important financial protection for drivers in the event of an accident.”

Ohio drivers should know the state’s ohio minimum car insurance requirements. It’s key to stay legal and safe on the road. By looking around and using discounts, Ohio folks can find car insurance that fits their budget and needs.

Factors Impacting Car Insurance Rates in Ohio

Auto insurance rates in Ohio are influenced by several key factors. One major factor is age. Young drivers under 25 often pay more because they are less experienced and more likely to have accidents. Drivers with past traffic violations or accidents also pay more.

Another big factor is credit history. Drivers with good credit scores usually get lower insurance rates. Insurers see them as less risky. But, those with poor credit may pay more because their financial habits suggest they might make more claims.

Factor	Impact on Rates
Age	Younger drivers pay higher premiums
Driving Record	Drivers with accidents or violations pay more
Credit History	Good credit leads to lower rates, poor credit results in higher premiums
Vehicle Type	Rates are influenced by a vehicle’s make, model, and safety features
Location	Rates can vary based on the driver’s city or region within Ohio
Coverage Levels	Higher coverage limits typically result in higher insurance costs

The type of vehicle also affects car insurance costs in Ohio. The make, model, and safety features of a car can change the premiums. Cars that are more expensive to repair or are stolen more often may cost more to insure.

Lastly, the coverage levels chosen by the driver matter too. Higher coverage limits or extra policy features mean higher premiums. But, choosing the minimum coverage can be cheaper.

“Understanding the key factors that impact car insurance rates in Ohio is crucial for drivers to find the most suitable and cost-effective coverage for their needs.”

Conclusion

Ohio drivers have many auto insurance options. Each company offers different rates, coverage, and customer service. By looking at rates, discounts, coverage, financial strength, and customer satisfaction, Ohioans can find the best insurance for their needs and budget.

It’s easy to find affordable auto insurance in Ohio by comparing quotes and using discounts. For example, Geico has lower rates in 82% of U.S. states. It’s a good choice for many drivers. Progressive is also a good option for those with less-than-perfect driving records, often offering lower rates.

The best car insurance companies in Ohio offer good rates, coverage options, and great customer service. By researching and comparing top providers, Ohio drivers can find the best auto insurance at a good price.

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