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If you are looking for auto insurance in Ohio, knowing how much it will cost is a promising idea. The average premium for car insurance in Ohio is $1,023 per year or $85 per month. While the national average is $1,682. There is a difference of $659 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Ohio, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Summary of average car insurance cost in Ohio
Average annual cost
Average per month cost
Average cost for state minimum coverage
$308 / Year
Cheapest car insurance company
($650/ Year)
Average cost for young drivers
$1,709 / Year
Average cost for Senior drivers
$988 / Year

Key Takeaways

  • The average car insurance cost in Ohio is $1,023 per year, based on’s analysis.
  • In Ohio, the average premium for car insurance is $85 per month.
  • Nationwide has the cheapest car insurance rates in Ohio, at an average annual rate of $650 a year.

Average car insurance cost in Ohio per month

In Ohio, the average premium for car insurance is $85 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Ohio, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by, the company which offers cheapest car insurance premiums in Ohio is Nationwide.The average annual cost is $650 while the average cost per month is $54. The second-best option available is, Geico, offering insurance at an average per month cost of $55.

The table below lists the other available car insurance companies which offer car insurance in Ohio, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
State Farm$78$933
Erie Insurance$78$938
American Family$83$999
Farmers Insurance$108$1,296

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in Ohio

The amount of coverage you purchase has an impact on how much car insurance costs in Ohio. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Ohio is $365.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Ohio is $1,023 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Ohio, the average annual cost for non-owner state minimum liability only is $230.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $308 per year in Ohio.

Coverage limitsAverage annual cost
50/100/50 Liability Only$365
100/300/100 Liability with $500 Comp/Coll Deductible$1,023
Non-Owner State Minimum Liability Only$230
State Minimum Liability Only$308

Average car insurance cost in Ohio by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Ohio:

CityAverage annual cost

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. 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 age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Ohio is $1,709 while for seniors is $988. Here, the rate for young drivers is $721 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Ohio for young drivers

The average car insurance cost for female young drivers in Ohio is $1,618 per year or $135 per monthand rate for a male young driver is $1,800 per year or $150 per month.

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

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Average car insurance cost in Ohio for senior drivers

In Ohio, the cost of car insurance for senior female driver is $981 per year or $82 per month and cost of car insurance for male senior driver is $996 per year or $83 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Read more about senior car insurance

Minimum car insurance requirements in Ohio

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Ohio Department of Insurance, the following are the required coverages and minimum coverage limits 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

The Mazda CX-5 S has the lowest average annual insurance premium at $988, followed closely by the Mini Cooper SE at $992. The difference in the cost of insuring these two models is $4 annually.

Make Model Average annual premium
Mazda CX-5 S $988
Mini Cooper SE $992
Ford Transit Connect Titanium $996
Toyota C-HR Limited $1,000
Subaru Forester 2.5I $1,012
Mazda CX-30 S $1,020
Honda CR-V EX $1,022
Chrysler Voyager LX $1,023
Honda HR-V EX $1,033
Hyundai Venue SE $1,045

Most expensive cars to insure in Ohio

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $4,248. However, the difference between the cheapest and most expensive cars to insure is $3,260 annually.

Make Model Average annual premium
Maserati Quattroporte $4,248
Maserati Ghibli Modena $3,680
Maserati Ghibli GT $3,566
BMW M8 Competition XDrive $3,432
Audi RS7 Quattro $3,305
Maserati Levante Trofeo $3,278
Audi RS6 Avant Quattro $3,260
BMW M760i xDrive $3,247
Audi R8 5.2L V10 Quattro Performance $3,193
BMW M850i XDrive $3,190

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology 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:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

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

How much is car insurance in other states

North Carolina$1,368/Year
North Dakota$1,419/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
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