Ohio Car Insurance Quotes
Find Ohio car insurance that fits your life and budget while maintaining coverage that meets or exceeds the Buckeye State's minimum requirements for an auto policy. No matter where you're driving in Ohio's many large cities and small towns, make sure you have a car insurance policy that delivers competitive rates with convenient online and app self-service options.
You can file a claim with a representative anytime, and our digital tools make managing your policy simple and fast. We also offer some great car insurance discounts that could help you save even more on your policy.
Get a car insurance quote from GEICO if you're new to Ohio or just interested in switching insurance providers.
Ohio drivers are required to carry certain minimum auto insurance coverages, and many choose to add optional protections for extra peace of mind. The table below outlines both required and optional coverage types.
| Coverage Type | Required or Optional | What It Covers |
|---|---|---|
| Bodily Injury Liability | Required | Helps cover injury or death to others in an accident you cause. Ohio minimum: $25,000 per person / $50,000 per accident. |
| Property Damage Liability | Required | Helps cover damage to another person’s property in an accident you cause. Ohio minimum: $25,000 per accident. |
| Collision Coverage | Optional | Helps pay to repair or replace your car if it’s damaged in an accident, regardless of fault. |
| Comprehensive Coverage | Optional | Helps cover damage from events like theft, vandalism, or severe weather. |
| Rental Reimbursement | Optional | Helps cover the cost of a rental car while yours is being repaired after a covered loss. |
| Roadside Assistance | Optional | Provides help if your car breaks down, including towing, lockout services, and jump-starts. |
If you’re insuring a teen driver, Ohio law imposes additional restrictions, including curfews, passenger limits, and mandatory training for drivers under 18. These rules can impact when and how teens drive, and may influence the coverage limits families choose.
Several factors can influence how much you pay for car insurance in Ohio. While you can’t control all of them, understanding what goes into your rate can help you make informed decisions about your coverage. Please note that this is not a complete list, and additional variables may apply.
| Factor | How It Can Affect Your Rate |
|---|---|
| Driving Record | Accidents, speeding tickets, and other violations may increase your premium. Safe driving can help keep rates lower. |
| Vehicle Type | Cars with higher safety ratings or lower repair costs may be less expensive to insure. |
| Location | Where you live in Ohio can impact your rate due to factors like population density, traffic patterns, and claim frequency. |
| Coverage & Deductibles | Choosing higher coverage limits or lower deductibles generally increases your premium, while higher deductibles may lower it. |
| Annual Mileage | The more you drive, the higher your potential risk, which can influence your rate. |
| Discounts | Qualifying for safe driver, multi-policy, or good student discounts can help lower your premium. |
Everyone likes to get affordable car insurance, and there are several premium reductions and discounts available that could save you money on GEICO auto insurance in the state of Ohio. We've pulled together a list of them for you along with all of the necessary state requirements for each one.
We love saving you money. That's why Ohio residents who have more than one policy in their GEICO portfolio (one being auto coverage) could get a reduction on their Ohio car insurance premium. Examples include:
Ohio drivers with a clean driving record may qualify for a discount on their auto insurance. Eligibility is based on several rating factors, including safe driving history. To find out if you qualify, speak with one of our customer service representatives. We’re happy to review your driving history and help you save.
Young OH drivers who are aged 22 or under, classified as single and are full-time students with an average grade of B or its equivalent (3.0 GPA) may qualify for a Good Student Discount. Proof of eligibility, such as a recent report card or transcript, may be required.
Get a car insurance quote today to see how much you could save with a Good Student Discount.
From getting a cheap car insurance quote in Ohio, to handling claims or other issues, you'll see just how personable and convenient every interaction can be when you choose GEICO.
Our focus is on creating and improving the things that are important to you. Need help? You can also use the GEICO Mobile app to access the GEICO virtual assistant or call us anytime to discuss Ohio auto insurance or other insurance needs.
Swing by our local GEICO offices in Cincinnati, Cleveland, Columbus, Dayton, Fairfield or Youngstown. Our local agents across Ohio are ready and available to help you get a policy tailored to your needs and lifestyle with a personal touch. Learn more about Ohio insurance agents and find your nearest office.
Registering your vehicle in Ohio is a key step before hitting the road, and having the right car insurance coverage is part of staying compliant with state law. When you register, you’ll need to provide proof of insurance that meets or exceeds the state’s minimum coverage requirements. Here’s what you’ll need to do to complete your Ohio vehicle registration:
If the title is held by a lienholder:
If the vehicle is leased:
Maintaining continuous coverage ensures you can legally drive and protects you financially in the event of an accident. Whether you’re renewing your registration or buying a vehicle for the first time, starting with a free Ohio car insurance quote from GEICO can help confirm you have the protection you need.