The purchase of auto insurance should not be taken lightly; nevertheless, it may be difficult to get affordable auto insurance in Ohio. Because of this, it is essential to examine the premiums offered by several insurance companies.

According to research, the annual cost of full-coverage auto insurance in Ohio is around $1,098, which averages roughly $92 per month. Our research revealed that the state of Ohio's minimum coverage costs an average of $391 per year but that it is likely possible to get insurance at a lower cost. For instance, Erie has the most affordable car insurance rates in Ohio, with an annual average cost of about $216 for minimal coverage for a motorist who is 35 years old and has a spotless driving record.

• Cheapest car insurance company: Hastings Mutual is priced at $54 per month.
• Cheapest for minimum coverage: Erie is priced at $18 per month
• Cheapest for young drivers: Geico is priced at $95 per month
• Cheapest for drivers with poor credit: Erie is priced at $54 per month

How We Chose the Cheapest Companies in Ohio

We compared the auto insurance premiums offered by 19 different car insurance companies in Ohio and came up with a list of the five most affordable alternatives for drivers of varying ages and driving records, all in the market for a 2019 Toyota Camry L. We analyzed the rates corresponding to Ohio's minimum standards to determine the cost of minimal coverage. The following coverage restrictions were used to ensure complete coverage:

• A bodily harm liability of one hundred thousand dollars per person.
• $300,000 in responsibility for each accident involving physical harm.
• $50,000 property damage liability per accident.
• Coverage for uninsured motorists at a level of $100,000 per person.
• Coverage for uninsured motorists of up to $300,000 per accident.
• Coverage for collision with a deductible of one thousand dollars.
• Complete protection with a deductible of one thousand dollars.

Cheapest For 20-Year-Old Drivers

The easiest way for drivers in their 20s to obtain the cheapest car insurance is to shop around and acquire many quotations. Prices might be through the roof for younger drivers in their 20s, but they typically decrease as drivers gain experience behind the wheel. Although this is the case, looking for an insurance provider that offers competitive premiums for young drivers is still in your best interest.

Full Coverage for 20-Year-Olds

The following insurance companies had the lowest average rates for drivers in Ohio, and they may be worth considering for those drivers who have a clean driving record:

• Geico costs around $96 per month, or $1,146 per year.
• The annual premium for central insurance is $1,390, which comes out to around $116 each month.
• Erie: $1,408 yearly, which comes to around $117 monthly.
• Hastings Mutual: $1,478 annually, up to around $123 per month.
• American Family: $1,544 per year, or around $129 per month.

Minimum Coverage for 20-Year-Olds

It is recommended that motorists in Ohio who are looking for simply the state-mandated minimum coverage check with the following firms, who had the lowest average rates:

• Erie: $432 per year.
• Geico costs $439 annually, which equals approximately $37 per month.
• Central insurance costs $533 per year, which comes out to around $44 per month.
• The annual premium for State Farm is $582, which comes to around $48 per month.
• The cost is $663 per year, which is about $55 per month for Westfield.

Cheapest For 30-Year-Old Drivers

Compared to their rates in their teens and 20s, most drivers' car insurance premiums will be much lower when they reach their 30s. However, the price may be affected by things like a person's driving history as well as the type and manufacture of the car. By comparing shopping and making the most of any available discounts, motorists in their 30s may bring down their car insurance premiums.

Full Coverage for 30-Year-Olds

Drivers in Ohio who have a history free of moving violations may be eligible for the best prices from the following companies:

• Hastings Mutual charges $678 annually, up to around $56 per month.
• Geico costs around $58 per month, or $693 per year.
• Erie: $750 per year, which comes out to around $62 each month
• The annual premium for State Farm is $838, which comes out to around $70 each month.
• Auto-Owners will pay $903 annually, up to around $75 per month.

Minimum Coverage for 30-Year-Olds

The following companies had the lowest average rates, and drivers in Ohio who are interested in the minimum coverage required by their state can check with them:

• Erie: $222 per year.
• The annual premium for State Farm is $254, which comes to around $21 per month.
• Geico costs around $22 per month, or $262 per year.
• Auto-Owners will pay a total of $271 annually, which comes to around $23 per month.
• Hastings Mutual: $312 per year, up to around $26 per month.