Average homeowners insurance cost in Ohio

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Homeowners in Ohio pay an average of $2,106 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. State Farm offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Homeowners insurance costs an average of $2,106 a year, based on our data.
Of all the ZIP codes in Ohio, 45784 has the most affordable home insurance rates at around $1,777 annually.
In Ohio, State Farm provides the most affordable home insurance at an average annual premium of $1,761.

What is the average cost of homeowners insurance in Ohio?

Homeowners in Ohio pay an average of $2,106 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Ohio? Cost by coverage level

Homeowners insurance in Ohio costs $2,106 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,554 per year for homeowners insurance in Ohio for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in Ohio for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,682	$140
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,694	$141
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,106	$176
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,118	$177
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,554	$213
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,571	$214
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,504	$292
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,525	$294
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$5,020	$418
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$5,047	$421

Average home insurance cost in Ohio by insurer

State Farm offers the most affordable homeowners insurance in Ohio, at an average annual premium of $1,761, followed by Allstate and Farmers.

You can save hundreds – if not thousands – of dollars each year by shopping around.

Below are the average annual and monthly insurance rates for Ohio homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.

Company	Average annual rate	Average monthly rate
State Farm	$1,761	$147
Allstate	$1,825	$152
Farmers	$1,943	$162
Auto-Owners	$2,076	$173
Travelers	$2,461	$205
Erie Insurance	$2,473	$206
Nationwide	$2,555	$213
American Family	$2,810	$234
Grange Insurance	$3,335	$278
USAA*	$1,695	$141

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

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Ohio.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

How does your ZIP code affect home insurance rates in Ohio?

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in Ohio.

Most affordable ZIP codes for home insurance in Ohio

45784 has the lowest average home insurance rates in Ohio, with homeowners paying around $1,777 per year.

Home insurance rates aren’t uniform across Ohio. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

Below are average rates for some of the most affordable ZIP codes in Ohio.

ZIP code	Average annual rate	Average monthly rate
45784	$1,777	$148
44720	$1,790	$149
44647	$1,792	$149
45729	$1,798	$150
44243	$1,805	$150
43909	$1,813	$151
43901	$1,816	$151
45750	$1,821	$152
44613	$1,822	$152
44730	$1,823	$152

Most expensive ZIP codes for home insurance in Ohio

45630 carries the highest average home insurance rates in Ohio, at $2,541 per year.

ZIP codes with higher premiums typically reflect a combination of elevated crime, greater natural disaster exposure, and higher local costs of living and construction.

Below are average rates for some of the most expensive ZIP codes in Ohio.

ZIP code	Average annual rate	Average monthly rate
45630	$2,541	$212
45618	$2,529	$211
45402	$2,525	$210
45105	$2,489	$207
45636	$2,478	$207
45687	$2,471	$206
45617	$2,466	$205
45063	$2,452	$204
45004	$2,451	$204
45070	$2,448	$204

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Ohio by city

See rates in your city

Cincinnati

Toronto

What’s the trend in home insurance rates for Ohio?

From the span of 2023 to 2025, Ohio saw home insurance rates increase by 14%, in line with how the state’s insurance market has been trending overall.

The table below breaks down the year-over-year rate changes going back to 2022:

2022 rates	2023 rates	2025 rates
$1,768	$1,846	$2,106

What are the best homeowners insurance companies in Ohio?

Based on our data, Travelers stands out as the top choice in Ohio. It earns an AM Best rating of A++ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Ohio by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Travelers	$2,461	A++	0.91	4.67
State Farm	$1,761	A+	1.15	4.66
Auto-Owners	$2,076	A+	0.39	4.65
Allstate	$1,825	A+	1.26	4.64
Farmers	$1,943	A	0.89	4.54
Erie Insurance	$2,473	A	0.46	4.49
Nationwide	$2,555	A	1.34	4.44
American Family	$2,810	A	1.07	4.42
Grange Insurance	$3,335	A	1.14	4.34
USAA*	$1,695	A++	0.46	4.8

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

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.