| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| GEICO | −4.9% | 82K | 4/3/26 | GECC-134888669 → |
| State Farm | −4.2% | 2.3M | 12/4/25 | SFMA-134699767 → |
| Progressive | −4.4% | 446K | 11/21/25 | PRGS-134729388 → |
| Erie | −3.8% | 275K | 6/1/26 | ERAP-134872060 → |
| Allstate | −3.0% | 158K | 3/17/26 | ALSE-134879528 → |
| Auto-Owners | −1.3% | 97K | 4/23/26 | AOIC-134774421 → |
| Grange | +1.9% | 106K | 12/20/25 | GRAN-134743417 → |
| Liberty Mutual | +2.0% | 54K | 6/28/26 | LBPM-134878625 → |
These are approved Ohio Department of Insurance filings, pulled from the public SERFF system — not estimates. Every figure above links to its filing by tracking number. The headline: Ohio in 2026 is a broadly cheaper market, with nearly every large carrier cutting.
A broadly cheaper market
The cuts are led by the biggest books. State Farm cut −4.2% on roughly 2.3 million policyholders; GEICO cut −4.9% (against a −11.5% indication — it could have cut more); Progressive cut −4.4%; Erie −3.8%; Allstate −3.0%. When this many large carriers move down at once, staying on an old policy is the expensive choice — new-business rates are where the cuts land first.
Who raised — and the one holding back
A few carriers went up. Liberty Mutual raised +2.0%. The one to watch is Grange: it took only +1.9%, but its filing indicated a need of +17.1% — a fifteen-point gap between what its actuaries said it needed and what it took. Gaps that large tend to close through follow-up filings, so Grange customers should expect continued increases even though this one was small.
The backdrop: auto rates nationally are rising far more slowly in 2026 than the ~18% spike of 2025, and many carriers are now filing outright decreases. Ohio is one of the clearest examples — the biggest books are cutting, so if you haven’t re-shopped, your renewal is likely higher than it needs to be.
Your change isn’t the statewide average
Every figure above is a book-wide average, but carriers reprice individually — the same filing can range from a double-digit increase to a double-digit cut depending on your ZIP, vehicle, age and history. A carrier that cut −4% on average may still have raised your profile, and vice versa. The only way to know where you land is to compare for your exact situation.
The one stat that matters: Nearly every big Ohio carrier cut rates in 2026 — if you haven’t re-shopped, you’re likely on an old, higher price. Compare every carrier for your exact ZIP →
Why your renewal might not reflect this yet
Approved cuts are statewide averages and apply at renewal, not mid-term, usually reaching new customers before existing ones. So two identical drivers can pay different rates for months on timing alone. Your renewal shows your carrier’s price; it doesn’t tell you what a competitor would charge for the same coverage today — and in a market cutting this broadly, that gap is worth checking. It’s free and takes a couple of minutes.