In northern Ohio here. "Best time" depends on a number of factors that are unique to each grower. Let's start with the number of plants - are you only growing one of each kind? If so, you won't have a space issue before plant-out time arrives. However, if you are growing a large number (again, it's relative), you will have to consider how much space and light you really have for them. Part of the consideration in this is also your personal goal(s) in growing.
Space - let's say you are going to grow 50 plants. The space needed to germinate 50 isn't much; often someone in an apartment can germinate this many. However, if you start 50 in, say, Jiffy pellets in January, you're going to get to a point where you need to move them into larger containers. Often the container of choice is the large Solo cups (with holes cut for drainage.) This works well for most people, and 50 plants is still manageable at this size for most of us. But now consider if they start outgrowing the solo cups and need to be moved to 1-gallon containers before plant out. Do you have room for 50 of these, especially if you have an exceptionally long cold spell?
Light - easy enough to keep light on 50 seedlings in Jiffy pellets, still not too hard in Solo cups, but what about once they get moved to larger containers? And keep in mind you need to keep a fan on them while they're indoors. This helps strengthen the stems and also helps prevent soil fungus (like damping off) from growing. Do you have a very sunny area where all the plants fit or will you need to use artificial light? How many lights (and the additional electricity cost) are you prepared to get and set up?
Goals - If all you're trying to do is get them to maybe half a foot tall before plant out, no problem for most people. You can always keep the temperature in the grow space rather cool to help slow growth, or just start them later (like March or April). But if you want them to get big and possibly even start budding/flowering/producing before plant out, you could even start them now, though you'll have the space and light questions to answer.