10 Best Places to Get Cheap Car Insurance in Ohio

If you live in Ohio, then it is mandatory to insure your car before you drive. The Ohio Bureau of Motor Vehicles states that the minimum car insurance requirements are $25,000 for property damage, $25,000 for bodily injury liability of one person, and $50,000 for bodily injury liability of two or more people. All drivers are required to provide proof of insurance if they are ever pulled over. You need to insure your car before you can drive, but it shouldn’t be a drain on your wallet. In fact, a 2019 study found that Ohio is the 21st most affordable state to purchase car insurance, with rates slightly below the national average. The best way for you to track down cheap car insurance in Ohio is to compare provider prices here. 

Finding car insurance that is both cheap and dependable can be challenging. While every provider insists they offer the cheapest rates, you shouldn’t believe the ads — no one company always offers the cheapest car insurance in Ohio for everyone. Here is a list of some of the best local places to start searching for a lower rate in Ohio.


Top Pick

Westfield Insurance Visit Site


Erie Insurance Visit Site


Cincinnati Insurance Visit Site

Grange Insurance Visit Site

State Auto Visit Site

Western Reserve Group Visit Site

Motorists Mutual Visit Site

Buckeye Insurance Group Visit Site

Frankenmuth Insurance Visit Site

 SafeAuto Visit Site

1. Westfield Insurance

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Founded in 1848 by a group of Ohio farmers, Westfield Insurance offers consistently affordable car insurance and high-quality customer service. A.M. Best, an organization focusing on the dependability and quality of insurance companies, has rated Westfield an “A” or higher in financial strength for nearly 50 years. Additionally, in 2019, J.D. Power ranked Westfield as #1 in Customer Satisfaction Among Auto Insurers in the North Central Region. 

In short, this provider has been consistently well-regarded throughout its decades in business, and it should definitely be on the list for cheap car insurance in Ohio. Westfield’s corporate office is located in Westfield Center, and agents can be reached by phone at 800-243-0210.

  • Offers flexible insurance for everything from cars and trucks to RVs
  • One of the largest non-public companies in Ohio
  • Decades of experience
  • Transparent pricing
  • No rewards program for loyal customers

2. Erie Insurance

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With offices in both Canton and Columbus, Erie Insurance has been offering cheap car insurance in Ohio since 1968. This provider has received an “A+” rating from A.M. Best and is dedicated to working with its customers to help set up personalized coverage bundles within their budget.

In addition to standard liability insurance, Erie also offers many additional auto policy features, such as pet coverage and auto glass repair. With a range of available discounts and expert advice from local agents, this provider simplifies the auto insurance application process and can help you find excellent deals. Reach Erie’s Canton office at 330-433-1925 or the Columbus office at 614-436-0224.

  • Personalized plans and expert advice
  • Unique policy features
  • Lots of discounts
  • No mobile app

3. Cincinnati Insurance

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Another provider with an “A+” rating from A.M. Best, Cincinnati Insurance offers a range of optional enhancements and potential discounts to help you find the perfect plan for your needs and budget. A few ways to reduce your premium with this provider include:

Cincinnati Insurance also focuses on simplifying your plan by allowing you to cover a variety of potential needs under one policy with a single bill. For example, your plan could cover your personal vehicle, an antique car, and a motor home, all with very little hassle. This provider is located on South Gilmore Road in Fairfield. Y

  • Mobile app
  • Flexible plan options
  • Excellent coverage for rental cars
  • No option to receive a quote online

4. Grange Insurance

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Grange Insurance was founded in Central Ohio in 1935. Since then, it’s had enough success that it was eventually able to expand across 13 states. With its main headquarters in Columbus, Grange combines the security of a large provider with the personalized care of a small local business.

Coverage options range from roadside assistance and lease gap coverage to identity theft coverage. Also, your Grange agent can help you work out exactly what you need so that you won’t be paying more than necessary. This provider also offers discounts such as legacy loyalty, accident forgiveness, and safe driver. Call 800-422-0550.

  • Easy online payments
  • Local claims service
  • Rated “A” by AM Best
  • Excellent customer service
  • No option to receive a quote online
  • Response time may vary

5. State Auto

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For nearly 100 years, State Auto has been committed to providing Ohio drivers with cheap car insurance, transparent pricing, and high-quality customer service. It is headquartered in Columbus and offers three levels of auto coverage: Standard, AutoXtended Plus, and AutoXtended Premier. If you’re looking for the most basic coverage, then choosing the Standard option is an excellent way to get what you need with no hassle. Opt for the upper two tiers, and you’ll have more options for customizing your plan — these plans can also include full safety glass coverage and roadside assistance.

You can reach State Auto’s Columbus office by phone at 614-464-4868.

  • Straightforward coverage options
  • Discounts of up to 50% with State Auto Safety 360 telematics program
  • Expensive for younger drivers
  • Limited discounts on vehicle equipment

6. Western Reserve Group

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Headquartered in Wooster, Western Reserve Group provides added services such as 24-hour towing for anyone who wants to add a little extra security to their policy. This provider has been working with drivers in Ohio for over 100 years and receives consistently high ratings from its customers. With a wide range of discounts available, including an anti-theft device discount and a company car discount, you’re likely to find ways to reduce your premium costs when you work with one of Western Reserve Group’s independent agents. Contact the provider at 800-362-0426 to learn more.

  • Rated “A” by AM Best
  • Long and successful company history
  • Outdated website

7. Motorists Mutual

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Located on East Broad Street in Columbus, Motorists Mutual has provided cheap car insurance in Ohio since 1928. Its reach has spread to several neighboring states as the company has continued to grow in popularity, but its roots are still firmly planted in Ohio. 

When you speak with an agent, you can craft a policy that only covers what you want it to, from basic liability to comprehensive coverage that protects you in the case of vandalism or bad weather. Unique discounts such as Empty Nester and Married Professional help make your premium even cheaper. You can reach this provider at 800-876-6642.

  • Easy online bill payment
  • Rated “A” by AM Best
  • No mobile app

8. Buckeye Insurance Group

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Buckeye’s home office is located at One Heritage Place, Piqua. Buckeye Insurance Group is dedicated to combining professionalism with a small-town feel, prioritizing empathy and customer service. Because this is a mutual insurance company, Buckeye is able to work closely with each customer to offer flexible and cheap car insurance in Ohio that meets your needs and budget. Buckeye also has a significant amount of experience — it was founded in 1879.

One of the main goals of Buckeye agents is to help simplify the insurance application process. If personalized one-on-one service is something that you prioritize, then this provider should definitely be on your list. You can contact Buckeye at 937-778-5000.

  • Personalized service
  • Experienced company with a long history
  • Emphasis on fostering positive relationships with customers
  • Not accredited by the Better Business Bureau

9. Frankenmuth Insurance

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Frankenmuth Insurance is headquartered in Michigan but has been providing Ohio locals with cheap car insurance for decades. Currently, this provider only covers auto insurance in Michigan and Ohio, so you can feel confident knowing that you’re working with a more local company that will look out for your best interests. With a “neighbor helping neighbor” mentality, Frankenmuth is an excellent choice for anyone looking for more personalized care. 

A.M. Best gives Frankenmuth an “A” rating. This provider has also received numerous awards, including the Company Award of Excellence from the National Association of Professional Insurance Agents. Find your local agency, or contact Frankenmuth at 989-652-6121.

  • Large company with a local feel
  • Excellent AM Best rating
  • Some customers complain about unexpected premium spikes

10. SafeAuto

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For some of the cheapest, most straightforward car insurance in Ohio, it’s hard to go wrong with SafeAuto. Marketed as “the insurance for the rest of us,” SafeAuto can help you ensure that you’re meeting the state’s minimum coverage requirements so that you can have peace of mind when you get behind the wheel.

This provider’s corporate offices are located at 4 Easton Oval in Columbus.

  • Specifically dedicated to helping customers find cheap car insurance in Ohio
  • Ideal for high-risk drivers
  • 24/7 customer service
  • Very basic coverage
  • Higher than average number of complaints

Compare Providers to Find Cheap Car Insurance in Ohio

The cheapest car insurance in Ohio depends on a number of individual factors, but this list is an excellent place to start. By comparing local providers, you’re sure to find great insurance within your budget.