Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Ohio Average car insurance cost in Ohio In Ohio, a full-coverage car insurance policy will cost you an average of $1,739 annually or $145 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: January 7, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $1,739 a year or $145 per month for Ohio drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $390 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $1,739 / Year Average per month cost $145 Average cost for state minimum coverage $474 / Year Cheapest car insurance company Grange Insurance$1,314 / Year Average cost for young drivers $2,770 / Year Average cost for Senior drivers $1,696 / Year 012345 1 of 6 Average car insurance cost in Ohio If you live in Ohio can expect to pay an average of $145 per month for full coverage car insurance – that’s $1,739 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $32 monthly or $390 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in OhioGrange Insurance has the cheapest rates, at an average annual cost of $1,314 or $110 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also stands out for its affordable premiums, with an average cost of $127 per month or $1,522 annually.While these insurance companies have some of the lowest average rates in Ohio, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Ohio Graph Table Company nameAverage per month costAverage annual costGrange Insurance$110$1,314GEICO$127$1,522Erie Insurance$128$1,541Auto-Owners$141$1,694Progressive$146$1,756Westfield Insurance$155$1,860Allstate$160$1,922Cincinnati Insurance$174$2,086Farmers$175$2,103Travelers$196$2,353USAA*$89$1,062*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Ohio car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Ohio Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Ohio Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$637/year Full Coverage$1,613/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in OhioYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $32 a month, or about $390 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Ohio pay around $145 per month, or roughly $1,739 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$390Liability only$474Full coverage$1,739Non-owner state minimum liability$245Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Ohio by citySee rates in your cityAkronCincinnatiClevelandColumbusToledo Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Ohio by cityWhere you live in Ohio can have a big impact on your car insurance rates.If you’re located in cities like Cleveland, Columbus, or Toledo, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Lorain and Parma tend to pay much lower insurance premiums, between $1,603 and $1,632 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costLorain$1,603Parma$1,632Canton$1,722Hamilton$1,822Dayton$1,826Akron$1,880Cincinnati$1,981Toledo$1,984Columbus$1,997Cleveland$2,077Powered by:Average car insurance cost in Ohio by ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Ohio for full coverage, depending on your age and gender.Average car insurance cost in Ohio for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Ohio, 20-year-old male drivers pay an average of $3,551 per year for car insurance, while their female counterparts pay $3,208 for the same coverage.However, by age 25, average car insurance costs drop to about $2,152 per year for male drivers and $2,118 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,551$3,20821$3,010$2,75522$2,792$2,60623$2,583$2,44324$2,397$2,331Powered by:Average car insurance cost in Ohio for adult driversAn adult driver aged 25-60 in Ohio pays $1,757 per year for full coverage, or $146 each month. Female drivers of the same age pay $1,718 annually or $143 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,152$2,11830$1,881$1,85035$1,791$1,77240$1,749$1,72945$1,707$1,68050$1,642$1,60055$1,579$1,52560$1,556$1,498Powered by:Average car insurance cost in Ohio for senior driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $1,580 per year, and women pay $1,515.By age 70, those averages increase to $1,710 for men and $1,621 for women. At 75, premiums rise again, reaching $1,931 for male drivers and $1,822 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,580$1,51570$1,710$1,62175$1,931$1,822Powered by:Minimum car insurance requirements in OhioWhether you’re purchasing a policy for the first time or relocating to Ohio, it’s important to understand the state’s liability coverage requirements.Drivers in Ohio must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in OhioInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Hyundai Venue has the lowest premium, at an average of $1,373 a year, closely followed by Mazda MX-5 Miata, with an average annual car insurance cost of $1,389.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumHyundai Venue$1,373Mazda MX-5 Miata$1,389Toyota Corolla Cross$1,430Kia Niro EV$1,431Mazda CX-5$1,434Honda HR-V$1,439Kia Seltos$1,441Chevrolet TrailBlazer$1,443Kia Sportage Hybrid$1,444Mazda CX-30$1,445Powered by:Most expensive cars to insure in OhioMaserati Quattroporte tops the list as the most expensive car to insure in Ohio, at an average annual cost of $5,157. Below is a list of the most expensive vehicles to insure in Ohio and their average annual premiums.Make ModelAverage annual premiumMaserati Quattroporte$5,157Maserati Ghibli$5,102Audi RS7$4,131Nissan GT-R$4,031Audi S8$4,007BMW M8 Gran Coupe$3,893Audi RS6$3,769Porsche 911 GT3$3,759Porsche 911 Turbo$3,755Audi RS Q8$3,632Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in OhioCheapest car insurance companies in OhioAverage cost of car insurance by coverage levels in OhioAverage car insurance cost in Ohio by cityAverage car insurance cost in Ohio by ageMinimum car insurance requirements in OhioCheapest cars to insure in OhioMost expensive cars to insure in OhioMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330