Ohio has plenty of options when it comes to car insurance providers. Even better, according to a 2015 study by the National Association of Insurance Commissioners (NAIC), Ohio has the fortieth lowest average expenditure out of the fifty states and the District of Columbia. With so many options, it might initially seem daunting to find an insurance provider that fits your needs.
Depending on the type of driver you are, you can find insurance that not only fits your needs, but comes with some pretty sizable discounts. Here are our picks for the top car insurance providers in Ohio.
Erie is the eighth largest insurer in Ohio.
- Erie Rate Lock, an optional add-on that guarantees that the company won't increase your rates if you file a claim
- Low quotes
- Excellent customer service
- 4 out of 5 rating from J.D. Powell for overall customer satisfaction
- Great for drivers with one at-fault crash
- Great for retired drivers
- Difficult to manage online and customization is limited
- Must file most claims through an agent or the hotline
- No mobile app
- No coverage outside of the mid-Atlantic and midwest
State Farm is the largest auto insurance provider in Ohio.
- Exceptional customer service
- Competitive quotes
- Offers discounts for students like the Student Away at School discount, which gives savings to anyone who has a student on their policy who lives more than 100 miles from home
- Not the cheapest in terms of premiums
Progressive is the second largest auto insurance provider in Ohio.
- Has auto service centers in Cleveland, Columbus and Cincinnati that are one-stop shops for claims and repairs
- Offers some of the lowest insurance quotes
- Long turnaround times for claims
USAA is the 10th-largest insurance company in Ohio. In order to be eligible for USAA membership, you must be a member of the U.S. military, or be a family member of one.
- Offers incredible discounts to its members, including a 15 percent discount to drivers who store their vehicles on a military base
- 5 out of 5 rating from J.D. Powell in overall customer satisfaction
- Serves a very specific and niche target base that not everyone can qualify for
Nationwide is the third largest insurer in Ohio.
- Offers a huge swatch of discounts, including one for members of the Ohio State University Alumni Association
- SmartRide which offers qualified policyholders a discount of up to 40 percent
- Great for policyholders looking for more than just minimum coverage
- Might be more expensive for policyholders looking for just the minimum coverage
Grange is the fifth largest insurer in Ohio.
- Offers the lowest premiums in several categories, including for good drivers, young drivers, and drivers with poor credit
- Has poor customer service reviews compared to competitors
- Longer wait time after filing a claim
Images sourced in order of appearance: Fischer Twins