Average Renters Insurance Cost in Ohio

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Renters insurance costs in Ohio vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Ohio is $255 per year or $21 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in Ohio is $255 per year or $21 per month.
Grange Insurance provides the least expensive renters insurance in Ohio at an average rate of $167 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Ohio.

Average renters insurance cost in Ohio per month

In Ohio, the average cost of renters insurance is $21 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.

Average renters ins cost per month	Difference compared to national average
$21	$3 less

Average renters insurance cost in Ohio by company

Renters in Ohio can find the most budget-friendly insurance with Grange Insurance, which has an average annual cost of $167, according to our data. Other affordable options include State Farm and Auto-Owners.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance rates from various insurers in Ohio.

Company	Average annual rate	Average monthly rate
Grange Insurance	$167	$14
State Farm	$185	$15
Auto-Owners	$239	$20
Nationwide	$241	$20
Allstate	$256	$21
Erie Insurance	$263	$22
American Family	$401	$33
Travelers	$687	$57
USAA*	$155	$13

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

Renters insurance calculator in Ohio

$234/year

Estimated renters insurance rates in Ohio

$20

Monthly renters insurance cost in Ohio

-13%

Compared to national average

Average cost of renters insurance in Ohio by coverage level

The average annual cost of renters insurance in Ohio is $255, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $189 a year for renters insurance in Ohio. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows the average annual renters insurance costs in Ohio for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$183	$15
$20,000 with $500 Deductible and $300,000 Liability	$201	$17
$20,000 with $1,000 Deductible and $100,000 Liability	$170	$14
$20,000 with $1,000 Deductible and $300,000 Liability	$189	$16
$40,000 with $500 Deductible and $100,000 Liability	$251	$21
$40,000 with $500 Deductible and $300,000 Liability	$272	$23
$40,000 with $1,000 Deductible and $100,000 Liability	$234	$20
$40,000 with $1,000 Deductible and $300,000 Liability	$255	$21
$60,000 with $500 Deductible and $100,000 Liability	$314	$26
$60,000 with $500 Deductible and $300,000 Liability	$338	$28
$60,000 with $1,000 Deductible and $100,000 Liability	$294	$24
$60,000 with $1,000 Deductible and $300,000 Liability	$317	$26

Average cost of renters insurance in Ohio by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Ohio.

Renters insurance rates in Ohio by city

See rates in your city

Cincinnati

Average cost of renters insurance in Ohio by ZIP code

In Ohio, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Ohio

How much Ohio renters pay for insurance depends on the ZIP code they live in. 45245 is the most affordable ZIP code for renters insurance in Ohio among all the ZIP codes analyzed, at $228 a year on average.

Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Ohio.

ZIP code	City	Average annual rate	Average monthly rate
45245	Cincinnati	$228	$19
45255	Forestville	$229	$19
44256	Medina	$230	$19
44011	Avon	$231	$19
44012	Avon Lake	$232	$19
45244	Dry Run	$232	$19
44107	Lakewood	$232	$19
45150	Milford	$232	$19
44223	Cuyahoga Falls	$233	$19
44254	Lodi	$233	$19

Least affordable ZIP codes for renters insurance in Ohio

Your ZIP code, among other factors, affects how much you pay for renters insurance in Ohio. 43601 is the least affordable ZIP code for Ohio renters at an average cost of $324 a year or $27 monthly.

We have analyzed quotes from the major insurance carriers across all the ZIP codes in Ohio. Below are the average annual renters insurance costs by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
43601	Toledo	$324	$27
45423	Dayton	$306	$26
44640	Limaville	$298	$25
44422	Greenford	$297	$25
45063	Shandon	$297	$25
45070	West Elkton	$297	$25
45630	Friendship	$296	$25
43434	Harbor View	$296	$25
45677	Scioto Furnace	$296	$25
43408	Clay Center	$295	$25

Final thoughts: Average renters insurance in Ohio

Renters insurance is a must-have for renters in Ohio. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.

Shivani Gite

Contributing Writer

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.