Car Insurance with Bad Credit in Ohio (2026)
Quick Answer
Bad credit in Ohio increases car insurance by 48%, raising full coverage from $1,356/year to $2,007/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$113/mo
Poor Credit (1.48x)
$167/mo
Best Companies for Bad Credit in Ohio
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $124/mo | $1,485/yr | Military families |
| Erie Insurance | $132/mo | $1,586/yr | Rate lock guarantee |
| GEICO | $137/mo | $1,646/yr | Clean driving record |
| Progressive | $147/mo | $1,766/yr | Telematics savings |
| State Farm | $152/mo | $1,826/yr | Good students |
| Travelers | $159/mo | $1,907/yr | Multiple discounts |
| Nationwide | $174/mo | $2,087/yr | Bundling home + auto |
| Farmers | $181/mo | $2,168/yr | Signal telematics |
| Allstate | $187/mo | $2,248/yr | Accident forgiveness |
| Liberty Mutual | $197/mo | $2,368/yr | New car replacement |
USAACheapest
Monthly
$124/mo
Annual
$1,485/yr
Best for: Military families
Erie Insurance
Monthly
$132/mo
Annual
$1,586/yr
Best for: Rate lock guarantee
GEICO
Monthly
$137/mo
Annual
$1,646/yr
Best for: Clean driving record
Progressive
Monthly
$147/mo
Annual
$1,766/yr
Best for: Telematics savings
State Farm
Monthly
$152/mo
Annual
$1,826/yr
Best for: Good students
Travelers
Monthly
$159/mo
Annual
$1,907/yr
Best for: Multiple discounts
Nationwide
Monthly
$174/mo
Annual
$2,087/yr
Best for: Bundling home + auto
Farmers
Monthly
$181/mo
Annual
$2,168/yr
Best for: Signal telematics
Allstate
Monthly
$187/mo
Annual
$2,248/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$197/mo
Annual
$2,368/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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