Average Car Insurance Cost in Ohio (Annual/Monthly Rates)

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34.5K ZIP codes analyzed

If you want to secure auto insurance coverage in Ohio, know the associated costs. On average, premiums for car insurance in Ohio cost $1,417 per year or $118 monthly. While the national average is $1,895, highlighting a difference of $478.

Various factors influence car insurance rates, including age, gender, driving history, credit score, and location.

This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Ohio, and breaks down car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget.

Average annual cost
$1,417

Average per month cost
$118

Average cost for state minimum coverage
$362 / Year

Cheapest car insurance company
Grange Insurance($986 / Year)

Average cost for young drivers
$2,276 / Year

Average cost for Senior drivers
$1,433 / Year

Key Takeaways

Based on Insure.com’s analysis, car insurance in Ohio costs $1,417 per year.
Car insurance in Ohio costs $118 per month.
Grange Insurance has the cheapest car insurance rates in Ohio, at an average annual rate of $986 a year.

Average car insurance cost in Ohio per month

In Ohio, the monthly rate for car insurance is $118.

This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Ohio, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.

Cheapest car insurance companies in Ohio

According to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Ohio is Grange Insurance, with an average annual cost of $986 and a monthly average of $82. Following closely is Auto-Owners, providing coverage at an average monthly rate of $92.

The following table lists additional car insurance companies operating in Ohio and their respective average monthly and annual costs.

Affordable car insurance providers in Ohio

Graph

Table

Company name	Average per month cost	Average annual cost
Grange Insurance	$82	$986
Auto-Owners	$92	$1,109
Erie Insurance	$94	$1,132
Travelers	$111	$1,336
GEICO	$114	$1,373
Cincinnati Insurance	$135	$1,624
Progressive	$136	$1,626
Westfield Insurance	$139	$1,673
Farmers	$150	$1,794
Allstate	$162	$1,942
USAA*	$83	$994

*USAA is only available to military community members and their families.

Read our guide to cheap car insurance companies

Updated with latest data

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*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 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

Car insurance rates in Ohio are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.

Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $446 per year in Ohio.

As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Ohio amounts to $1,417 per year.

If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Ohio, the average annual cost for non-owner state minimum liability coverage is $214.

For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $362 in Ohio.

1State minimum:$362

2Liability only:$446

3Full coverage:$1,417

4Non-owners:$214

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

Several factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.

The table below depicts the top popular cities in Ohio:

City	Average annual cost
Akron	$1,510
Canton	$1,417
Cincinnati	$1,608
Cleveland	$1,643
Columbus	$1,597
Dayton	$1,476
Hamilton	$1,472
Lorain	$1,310
Parma	$1,316
Toledo	$1,601

Average car insurance cost in Ohio by age of the driver

Age plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Ohio is $2,276, whereas for seniors, it’s $1,433. The rate for young drivers surpasses that of senior drivers by $843.

Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.

Average car insurance cost in Ohio for young drivers

For female young drivers in Ohio, the average annual car insurance cost is $2,187, and $182 per month. Conversely, male young drivers face an average annual rate of $2,365, and $197 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
20	$2,972	$2,661
21	$2,526	$2,307
22	$2,272	$2,113
23	$2,106	$1,979
24	$1,947	$1,872

Average car insurance cost in Ohio for senior drivers

For senior female drivers in Ohio, the annual cost of car insurance is $1,407, or $117 per month. Similarly, male senior drivers face an annual insurance rate of $1,460, or $122 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,330	$1,298
70	$1,432	$1,384
75	$1,618	$1,538

Minimum car insurance requirements in Ohio

Every state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Ohio Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Ohio:

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Personal property coverage per person: $25,000

Cheapest cars to insure in Ohio

According to Insure.com data study, Honda HR-V has the lowest premium of $1,354. Kia Seltos is followed closely at $1,368 per year. The difference in the cost of insuring these two models is $14 annually.

Make	Model	Average annual premium
Honda	HR-V	$1,354
Kia	Seltos	$1,368
Honda	CR-V	$1,385
Mazda	CX-30	$1,386
Chevrolet	TrailBlazer	$1,395
Mazda	CX-5	$1,398
Subaru	Forester	$1,401
Volkswagen	Tiguan	$1,412
Hyundai	Venue	$1,413
Hyundai	Kona Electric	$1,421

Most expensive cars to insure in Ohio

The Maserati Quattroporte, at an average annual premium of $5,699, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $4,345 annually.

Make	Model	Average annual premium
Maserati	Quattroporte	$5,699
Maserati	Quattroporte Trofeo	$5,592
Maserati	Ghibli Trofeo	$5,455
Audi	R8 Performance	$5,126
Maserati	Ghibli	$4,789
BMW	M8	$4,395
Maserati	Levante Trofeo	$4,092
Porsche	911 Carrera GT3 RS	$4,048
Audi	S8	$3,904
BMW	Alpina B8	$3,870

Methodology

The Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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 a full coverage policy with limits:

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

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed