After thoroughly evaluating 34 insurance companies, NerdWallet’s editorial team has put together a list of the best car insurance in Ohio. We base our star ratings on important factors like coverage and discount options, customer satisfaction and financial strength.
These companies offer the best car insurance in Ohio:
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
The best car insurance companies in Ohio
Here’s our list of the best auto insurance in Ohio for different categories, plus what makes them the best.
Travelers
5.0
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Travelers
5.0
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Why it’s the best
Travelers received the highest overall score out of the insurers we analyzed in Ohio. The company stands out for its ease of use, robust mobile app and having few complaints to state regulators for a company of its size. Travelers also holds a strong brick-and-mortar presence in Ohio, with over 690 insurance agencies available to field questions and help customers find policies in person or over the phone. It earned the top spot in our list of the best car insurance companies of 2025.
Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company.
Best For having few customer complaints
American Family
5.0
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Far fewer than expected
Best For having few customer complaints
American Family
5.0
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Far fewer than expected
Why it’s the best
American Family is the best car insurance company in Ohio for having few customer complaints to state regulators relative to insurers of its size. This is based on a comparison across auto insurers with a 5-star NerdWallet rating that operate in the state.
The eighth largest auto insurer in the country, American Family offers a broad range of coverage options. American Family customers can save through a variety of discounts as well as two different telematics programs.
State Farm
5.0
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
State Farm
5.0
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Why it’s the best
State Farm is the best car insurance company in Ohio for ease of use. Customers can navigate its easy-to-use website to view policy details and pay premiums. State Farm also offers a highly rated mobile app where users can access ID cards, file a claim, connect with an agent and more. Tech-savvy customers can even access their policy information and perform other tasks through an Amazon Alexa device. State Farm earned the top spot for customer satisfaction in our overall best car insurance companies of 2025.
Looking for the lowest auto insurance rates in your state? Central Insurance has the cheapest average full coverage rate in Ohio. To find other low-cost options, check out NerdWallet’s list of the cheapest car insurance in Ohio.
Full list of the best car insurance companies in Ohio
If you’re looking for even more options, NerdWallet analyzed 34 car insurers to find which companies offer the best car insurance in Ohio. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.
|
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
*USAA is only available to military, veterans and their families. |
|
How to get the best car insurance in Ohio
Still not sure which company to go with? Try these tips:
-
Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.
-
Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.
-
Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.
-
Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.
How we found the best car insurance in Ohio
NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Ohio. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
