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Cheapest Car Insurance in Ohio

Ohio, the gateway to the Midwest, has been an economic powerhouse for decades. With 312 miles of Lake Erie coastland, the state hosts cargo ports, beaches and boating businesses all along the lake front. With a vibrant jazz scene, a rock-n-roll history museum, lake and river cruises, wineries and amusement parks, Ohio is bustling with great activities for visitors from all across the nation. Drivers come from miles around for Cleveland cuisine, and makes keeping those drivers safe much easier. This list of essential information will help drivers quickly and easily find everything they need to know about staying protected on “The Buckeye State’s” roads.


Driving through Ohio is an adventure every American should take. To simplify the drive, the following article summarizes the necessary driving laws and regulations for Ohio in an easy-to-follow format.

Minimum Requirements for Car Insurance in Ohio

  • Car insurance is required in the state of Ohio for any vehicle operated on the state’s roadways. The Ohio Department of Insurance defines the minimum coverage as Liability Insurance.
  • Liability Coverage minimums for Ohio:
    • $25,000 per person to cover injury or death.
    • $50,000 per accident involving injuries or deaths.
    • $25,000 to pay for property damage.

New Driver Licensing Requirements:

  • According to the Ohio Bureau of Motor Vehicles, the state uses a Graduated Driver’s License program to allow young drivers to improve their driving skills.
  • Temporary Instruction Permit Identification Card (TIPIC). This permit is available for drivers ages 15 years, 6 months to under 16 years. Applicants must successfully pass the vision and written exams to obtain this permit. While holding this permit, the applicant must follow these guidelines:
    • Must keep the permit at least 6 months
    • Must drive with a legal parent, guardian or driving instructor.
    • Once the applicant reaches age 16, he/she may drive with a licensed driver age 21 or older.
    • Must complete a Driver Education Course consisting of 24 hours of classroom work and 8 hours of driving instruction
    • Must complete 50 hours of supervised driving training with 10 of those hours including night driving
    • May not drive between the hours of 12am to 6am unless properly supervised
    • All occupants must wear safety belts
  • Probationary License (under 18). Applicants under the age of 18 may hold this license. While driving with this license, the following applies:
    • May not carry more than one unrelated passenger.
    • Drivers between the ages of 17 and 18 may not drive between 1am and 5am unless supervised or traveling to/from school, work, a religious activity or an emergency.
    • Drivers under 17 may not drive between 12am and 6am.
    • All occupants must wear safety belts.
  • Vision Exam. In order to pass this test, applicants must demonstrate a visual acuity of 20/40 or better and a visual field of 140 degrees or better. Visual acuity between 20/40 and 20/70 may receive a daytime driving restriction. Corrective lenses are allowed; however, if worn to pass the test, they must be worn at all times while driving.
  • Written Test. This tests consists of two parts: Ohio’s motor vehicle regulations and the state’s traffic signs.
    • The regulations portion has approximately 20 multiple questions, 15 of which must be answered correctly to pass.
    • The portion covering traffic signs also consists of approximately 20 questions, 15 of which must be answered correctly.
  • Study materials for the tests can be accessed on the Ohio Bureau of Motor Vehicle’s website.
  • Driving Test. Consisting of two parts, the driving test evaluates the applicant’s driving skills and maneuverability.
  • The driving portion assesses the applicant’s ability to:
    • Stop and start
    • Turn around
    • Back up
    • Turn and use hand signals
    • Lane management
    • Following distance
  • The maneuverability portion tests the applicant’s ability to steer the vehicle in tight spots. An explanation of the test can be seen on the MVD website.
  • Fees:
    • Temporary Permit, $22
    • Driver License:
      • Age 21 or older, $23
      • Age 20, $19.25
      • Age 19, $20.50
      • Age 18, $21.75
      • Age 17, $23
      • Age 16, $24.25


  • BAC limit: .08 Ohio Law has made it mandatory for every OVI (Operating a Vehicle while under the Influence of drugs or alcohol) conviction to receive a minimum jail time. Following are the general penalties for Ohio OVI convictions:
  • First Offense:
    • Fine: $250 to $1,000
    • License suspension: 6 months to 3 years
    • Jail: 3 days to 6 months
  • Second Offense within 6 Years:
    • Fine: $350 to $1,500
    • License suspension: 1 to 5 years
    • Jail: 10 days to 1 year
  • Third Offense within 6 Years:
    • Fine: $350 to $1,500
    • License suspension: 1 to 10 years
    • Jail: 30 days to 1 year
    • Ignition Interlock Device required
  • Fourth and subsequent OVI convictions can result in permanent license suspension.
  • Drivers under 21 years of age may be charged with OVI with a BAC as low as .02.

Texting & Driving Laws

According to, Ohio has banned texting for all drivers, and the state has banned all cell phone use for novice drivers.

Unique Laws

Ohio has apparently had some issues with vehicles in their state, and a few of their laws reflect this problem. For instance, it has been prohibited to ride on the roof of a taxi cab. It is against the law to run out of gas, and one may not scare horses by honking the car horn. It is also illegal to drive a car while sitting on someone’s lap!


Best Cheap Car Insurance Quotes for Ohio

Cuyahoga County Car Insurance

Home to roughly 1.3 million, Ohio's Cuyahoga County is bisected by the river of the same name, which means "crooked river" in Iroquoian. Its county seat is Cleveland, home to the Rock and Roll Hall of Fame and Museum.

Cleveland gets more than 62 inches of snow per year, perhaps why it was selected for the set of "A Christmas Story." The home where the holiday classic was filmed still stands, is open to tours and even has a leg lamp in the window. Cleveland's West Side Market is an indoor-outdoor venue with hundreds of vendors selling produce, meats, cheese and baked goods.

County Sedan Suv Coupe Truck Hybrid

Franklin County Car Insurance

The central Ohio County of Franklin is occupied by the state capital of Columbus, a city of about 1.2 million. It is home to Ohio State University, one of the largest universities in the U.S., with nearly 60,000 students.

Once labeled the "gay mecca of the Midwest," Columbus is estimated to be 6.7 percent LGBT. Dave Thomas, a Columbus native, opened his first Wendy's location there, and country singer Dwight Yoakam and author R.L. Stine were raised in Columbus and both attended Ohio State. The All American Quarter Horse Congress draws an estimated 500,000 to Columbus each October.

County Sedan Suv Coupe Truck Hybrid

Hamilton County Car Insurance

The county occupying the southwest corner of Ohio is the state's third most populous, encompassing the county seat of Cincinnati. Named for the Roman hero Cincinnatus, the city is known for chili, historic architecture and its beloved Graeters Ice Cream.

Located on the Ohio River across from Kentucky, Hamilton County was a key stop on the Underground Railroad. It is the birthplace of astronaut Neil Armstrong, the first man to walk on the moon, and famed filmmaker Steven Spielberg. Opened in 1875, the Cincinnati Zoo and Botanical Garden is the second oldest zoo in the U.S. (after Philadelphia).

County Sedan Suv Coupe Truck Hybrid

Summit County Car Insurance

Named for being the highest elevation on the Ohio and Erie Canal, Summit County is home to an estimated 542,000. Its seat is Akron, known as the Rubber Capital of the World. About 40 miles south of Lake Erie.

The nearby canal and railroad lines led to a healthy manufacturing industry in Akron, and Goodyear, Gojo and TimeWarner are major employers. Popular attractions in Summit County include the scenic F.A. Seiberling Nature Realm, Akron Art Museum, Stan Hywet Hall and Gardens and 50-acre Akron Zoo.

County Sedan Suv Coupe Truck Hybrid

Montgomery County Car Insurance

Named for a Revolutionary War general, Montgomery County is Ohio's fifth largest, population-wise, with half a million residents. Its county seat is Dayton, a small portion of which overlaps into neighboring Greene County. Wright-Patterson Air Force Base is located in Dayton, a city associated with aviation and the birthplace of airplane inventor Orville Wright (His brother Wilbur was born in Indiana).

Dayton's Carillon Park is the only U.S. brewery that produces beer just as it was done in the 1800s, with brewers in period costume. The 65-acre complex depicts Dayton history from 1796, including the area's many inventors such as the Wright Brothers and Charles Kettering.

County Sedan Suv Coupe Truck Hybrid

Lucas County Car Insurance

On the northern Ohio border, the north section of Lucas County lies along the shore of Lake Erie and the Michigan border. Its county seat of Toledo is about an hour south of Ann Arbor. Its long history of glass manufacturing earned Toledo the nickname of Glass City, but has also been called Frog Town because of its proximity to an area once called the Great Black Swamp. The first city to adopt a "One Percent for Art" program, Toledo is rich with public outdoor sculpture.

Ranked in 2014 as Best Zoo in the U.S. By USA Today, the Toledo Zoo was the first to open a hippoquarium-style exhibit.

County Sedan Suv Coupe Truck Hybrid

Stark County Car Insurance

Centered around its county seat and largest city, Canton, is the northeast Ohio County of Stark. Canton is about 20 miles from Akron and 50 miles from Cleveland. The county played a key role in the early development of professional football and today boasts the National Football Hall of Fame.

Two large stadiums from those days remain, though they are used mostly for high school games now. Fawcett Stadium in Canton hosts the annual Pro Football Hall of Fame Game. Meanwhile, the 16,000-seat Paul Brown Tiger Stadium in Massillon hosts the Pro Football Hall of Fame's drum and bugle corps competition.

County Sedan Suv Coupe Truck Hybrid

Butler County Car Insurance

The southwest Ohio County of Butler lies just to the north of Cincinnati, its seat, Hamilton, just 17 miles from the Cincinnati City limits. Bolstered by high tech manufacturing, the county is home to more than 63,000.

The massive Butler County Courthouse is list on the National Register of Historic Places. The City of Hamilton is located on the site of Fort Hamilton, which was built in 1791 but later surrounded by a town that sprang up along the banks of the Great Miami River. The city's ornate downtown has earned it the nickname, "City of Sculpture."

County Sedan Suv Coupe Truck Hybrid

Lorain County Car Insurance

Part of the Cleveland metro area, Lorain County in northern Ohio is home to an estimated 300,000 people. Oberlin College is located in the small town of Oberlin, and the nearby City of Amherst claims the title of "Sandstone Center of the World." Lorain County's seat is Elyria, a city of 55,000.

The City of Lorain's diverse population has earned it the nickname, "the International City." During the summer, it hosts the Lorain International Festival. Built in 1928 in downtown, the Lorain Palace Theater offers current movies plus live entertainment and plays.

County Sedan Suv Coupe Truck Hybrid

Mahoning County Car Insurance

Named after the Native American word for "salt lick," Mahoning County is located in western Ohio about halfway between Cleveland and Pittsburgh. Avalon University School of Medicine and Youngstown State University are located there.

The county seat and largest city, Youngstown, struggled with crime and population loss after the decline of its steel industry, but in 2012 was ranked by among the best U.S. Cities to raise a family, a list that factors in schools, crime, cost of living and property tax rates. Once known as Ohio's steel city, Youngstown is home to the Steel Museum, which focuses on the area's history and depicts the life of mill workers.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Van Wert$548.00$496.00$614.00$563.00$638.00
Wyandot$560.00$508.00$631.00$578.00$657.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Record lows in 2007 were reported for Ohio’s average car insurance premiums as a percentage of income, but those numbers have climbed back up in recent years, although they remain below the national average.

Drunk Driving Fatalities

Ohio’s drunk driving fatalities increased a great deal between 2010 and 2012, but then dropped in 2013. In 2014, the numbers matched the national average.

Teen Drinking and Driving

Ohio’s teens drink and drive slightly less than the national average.

Vehicular Theft in Ohio

Ohio’s vehicle theft rate has continually dropped since 2011 and remains well below the national average.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversGrange Insurance
Young driversGrange Insurance
Drivers with an at-fault crashErie Insurance
Drivers with poor creditGrange Insurance
Retired driversErie Insurance


State Department of Insurance

Ohio Department of Insurance
50 W. Town St.
Third Floor – Suite 300
Columbus, OH 43215
(614) 644-2658
(800) 686-1526 (Consumer Hotline)
Get Directions

Department of Transportation

Ohio Department of Transportation
1980 W. Broad St.
Columbus, OH 43223
(614) 466-7170
Get Directions

Department of Motor Vehicles

Ohio Bureau of Motor Vehicles
1970 W. Broad St.
Columbus, OH 43223
(614) 752-7500
Get Directions

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