Average homeowners insurance cost in Ohio

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The average cost of home insurance in Ohio is $2,144 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Auto-Owners stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Based on our data, homeowners insurance in Ohio costs an average of $2,144 per year.
Among all ZIP codes in Ohio, 44647 has the most affordable rates, averaging around $1,866 annually.
For the lowest insurer rates in Ohio, Auto-Owners comes in at an average annual premium of $1,603.

What is the average cost of homeowners insurance in Ohio?

The average homeowners insurance premium in Ohio is $2,144 per year. That figure is based on 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

On average, homeowners in Ohio pay $2,144 a year for insurance – a figure based on $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Raising your dwelling coverage from $300,000 to $400,000, with the same liability and deductible, brings the average annual cost to $2,603 in Ohio.

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 $100,000 Liability and None Deductible	$1,790	$149
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,805	$150
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,144	$179
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,160	$180
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,603	$217
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,621	$218
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,779	$315
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,802	$317
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$5,937	$495
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$5,967	$497

Average home insurance cost in Ohio by insurer

Auto-Owners has the lowest average homeowners insurance premiums in Ohio at $1,603 per year. Allstate and State Farm also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Ohio, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Auto-Owners	$1,603	$134
Allstate	$1,667	$139
State Farm	$1,744	$145
Erie Insurance	$1,872	$156
American Family	$1,877	$156
Nationwide	$1,894	$158
Grange Insurance	$2,276	$190
Farmers	$2,548	$212
Travelers	$7,527	$627
USAA*	$1,548	$129

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

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Ohio is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

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

44647 has the lowest average home insurance rates in Ohio, with homeowners paying around $1,866 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
44647	$1,866	$156
44614	$1,875	$156
44221	$1,885	$157
44709	$1,893	$158
44720	$1,896	$158
44646	$1,909	$159
44718	$1,916	$160
44471	$1,917	$160
44685	$1,919	$160
44710	$1,921	$160

Most expensive ZIP codes for home insurance in Ohio

At the other end of the spectrum, 45630 has the highest average rates in Ohio at $2,871 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Ohio.

ZIP code	Average annual rate	Average monthly rate
45630	$2,871	$239
45618	$2,856	$238
45677	$2,842	$237
45687	$2,822	$235
45105	$2,810	$234
45683	$2,807	$234
45636	$2,806	$234
45621	$2,801	$233
45617	$2,787	$232
45423	$2,785	$232

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 are the best homeowners insurance companies in Ohio?

Based on our data, Auto-Owners 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
Auto-Owners	$1,603	A++	0.33	5
American Family	$1,877	A	0.37	4.72
Farmers	$2,548	A	0.54	3.81
Allstate	$1,667	A+	0.9	3.78
Nationwide	$1,894	A+	0.87	3.78
State Farm	$1,744	A++	0.95	3.74
Travelers	$6,584	A++	0.54	3.38
Grange Insurance	$2,276	B++	0.93	3.35

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?

Insurers price home insurance based on the level of risk your property and profile represent. They decide that based on:

Where you live. Local crime rates, weather exposure, and claims frequency in your neighborhood all influence your rate.
Your claims history. A history of past claims typically results in a higher premium.
Your credit-based insurance score. In most states, a lower credit score can mean a higher premium (Restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. Higher coverage or a lower deductible will increase what you pay.

It’s also worth noting that home insurance costs have been rising broadly. According to S&P Global Market Intelligence’s RateWatch application, premiums for owner-occupied homes climbed more than 11% nationwide in 2023.

Resources and methodology

Source

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

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

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

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will 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.