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25 Years of insurance experience
78.5M Quotes reviewed
170 Insurance providers evaluated
34.5K ZIP codes analyzed

If you’re in Ohio, your monthly cost for full coverage car insurance is $145, which adds up to $1,739 per year. For minimum coverage, expect to pay an average of $32 monthly, or $390 a year.

Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle.

If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.

Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates.

Average car insurance cost in Ohio

If you’re a resident of Ohio, full coverage car insurance typically costs about $145 per month, adding up to $1,739 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $32, or $390 annually.

The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.

Cheapest car insurance companies in Ohio

If you’re looking for affordable insurance, Grange Insurance tops the list of the cheapest car insurance companies. Its average annual cost is $1,314 per year or $110 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

GEICO also provides affordable insurance rates in Ohio for a full coverage policy at an average annual insurance cost of $1,522 or $127 monthly.

While these companies offer some of the lowest average premiums in Ohio, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs.

Affordable car insurance providers in Ohio

Graph
Table
Company nameAverage per month costAverage annual cost
Grange Insurance$110$1,314
GEICO$127$1,522
Erie Insurance$128$1,541
Auto-Owners$141$1,694
Progressive$146$1,756
Westfield Insurance$155$1,860
Allstate$160$1,922
Cincinnati Insurance$174$2,086
Farmers$175$2,103
Travelers$196$2,353
USAA*$89$1,062
*USAA is only available to military community members and their families.
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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 2023 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.

Average cost of car insurance by coverage levels in Ohio

The cost of your car insurance also depends on the coverage levels you choose.

If you opt for just the minimum coverage required by your state, you’ll pay $32 per month, or $390 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.

For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.

In Ohio, the average cost for full coverage is $145 per month, or $1,739 per year

While it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.

Coverage limitsAverage annual cost
State minimum liability-only$390
Liability only$474
Full coverage$1,739
Non-owner state minimum liability$245
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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 city

Average car insurance cost in Ohio by city

Because car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Cleveland, Columbus or Toledo, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.

On the other hand, drivers in cities like Lorain or Parma pay significantly low insurance rates, on average between $1,603 and $1,632 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.

CityAverage annual cost
Lorain$1,603
Parma$1,632
Canton$1,722
Hamilton$1,822
Dayton$1,826
Akron$1,880
Cincinnati$1,981
Toledo$1,984
Columbus$1,997
Cleveland$2,077
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Average car insurance cost in Ohio by age

Age is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.

Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.

Here’s a breakdown of what you might pay for full coverage in Ohio, based on age and gender.

Average car insurance cost in Ohio for young drivers

If you’re a younger driver, expect to pay higher premiums on your car insurance.

Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.

For instance, a 20-year-old male driver in Ohio pays an average of $3,551 annually for car insurance, compared to $3,208 for a female driver of the same age.

By age 25, car insurance premiums typically decrease to $2,152 per year for male drivers and $2,118 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
20$3,551$3,208
21$3,010$2,755
22$2,792$2,606
23$2,583$2,443
24$2,397$2,331
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Average car insurance cost in Ohio for adult drivers

An adult driver aged 25-60 in Ohio pays $1,757 annually for full coverage, or around $146 each month. Women in the same age group pay $1,718 per year or $143 per month.

Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
25$2,152$2,118
30$1,881$1,850
35$1,791$1,772
40$1,749$1,729
45$1,707$1,680
50$1,642$1,600
55$1,579$1,525
60$1,556$1,498
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Average car insurance cost in Ohio for senior drivers

Car insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,580 annually, while women pay $1,515.

By 70, average rates go up to $1,710 for men and $1,621 for women. At age 75, costs increase further, reaching $1,931 for men and $1,822 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.

However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,580$1,515
70$1,710$1,621
75$1,931$1,822
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Minimum car insurance requirements in Ohio

Whether you’re buying your first insurance policy or just moved to Ohio, it’s important to understand the state’s car insurance requirements.

To stay on the right side of the law, drivers in Ohio must carry at least the following minimum liability coverage:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability: $25,000

Cheapest cars to insure in Ohio

Your car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.

Hyundai Venue tops the list for cheapest car to insure in Ohio at an average cost of $1,373 a year, followed closely by Mazda MX-5 Miata at $1,389 per year.

The table below outlines the vehicles with the lowest insurance costs.

Make ModelAverage annual premium
Hyundai Venue$1,373
Mazda MX-5 Miata$1,389
Toyota Corolla Cross$1,430
Kia Niro EV$1,431
Mazda CX-5$1,434
Honda HR-V$1,439
Kia Seltos$1,441
Chevrolet TrailBlazer$1,443
Kia Sportage Hybrid$1,444
Mazda CX-30$1,445
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Most expensive cars to insure in Ohio

Maserati 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 premium
Maserati Quattroporte$5,157
Maserati Ghibli$5,102
Audi RS7$4,131
Nissan GT-R$4,031
Audi S8$4,007
BMW M8 Gran Coupe$3,893
Audi RS6$3,769
Porsche 911 GT3$3,759
Porsche 911 Turbo$3,755
Audi RS Q8$3,632
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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.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, including

  • Full 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 limits
  • Liability-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:

  • Young drivers aged 20-24
  • Adult drivers aged 25-26
  • Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year
Alabama$2,107/Year
Arkansas$2,723/Year
Arizona$2,333/Year
California$3,010/Year
Colorado$3,222/Year
Connecticut$2,726/Year
Delaware$3,097/Year
Florida$3,852/Year
Georgia$2,739/Year
Hawaii$1,721/Year
Iowa$2,228/Year
Idaho$1,791/Year
Illinois$1,901/Year
Indiana$1,856/Year
Kansas$2,410/Year
Kentucky$2,976/Year
Louisiana$4,180/Year
Massachusetts$2,430/Year
Maryland$2,273/Year
Maine$1,701/Year
Michigan$3,146/Year
Minnesota$2,561/Year
Missouri$2,410/Year
Mississippi$2,455/Year
Montana$2,541/Year
North Carolina$2,587/Year
North Dakota$2,079/Year
Nebraska$2,387/Year
New Hampshire$1,650/Year
New Jersey$2,736/Year
New Mexico$2,486/Year
Nevada$3,284/Year
New York$2,898/Year
Oklahoma$2,705/Year
Oregon$1,927/Year
Pennsylvania$2,428/Year
Rhode Island$2,706/Year
South Carolina$2,367/Year
South Dakota$2,635/Year
Tennessee$2,214/Year
Texas$2,631/Year
Utah$2,250/Year
Virginia$1,837/Year
Vermont$1,504/Year
Washington$2,175/Year
Wisconsin$2,026/Year
West Virginia$2,557/Year
Wyoming$1,984/Year
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Shivani Gite
Contributing Writer

 
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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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