Home Renters insurance Renters insurance cost Average renters insurance cost in Ohio Average renters insurance cost in Ohio Discover the average cost of renters insurance in Ohio and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Ohio, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $252 annually or $21 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Ohio is $252 per year or $21 per month.Grange Mutual provides the least expensive renters insurance in Ohio at an average rate of $159 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 monthIn Ohio, the average monthly cost of renters insurance is $21. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$21$1 lessPowered by:Average renters insurance cost in Ohio by companyRenters in Ohio can find the most budget-friendly insurance with Grange Mutual, which has an average annual cost of $159, according to our data. Other affordable options include Auto-Owners and Nationwide.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.CompanyAverage annual rateAverage monthly rateGrange Mutual$159$13Auto-Owners$204$17Nationwide$233$19Allstate$248$21Erie Insurance$249$21State Farm$289$24American Family$354$30Travelers$603$50USAA*$171$14*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Ohio Select your state Ohio Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $231/year Estimated renters insurance rates in Ohio $19 Monthly renters insurance cost in Ohio -6% Compared to national average Get quotes Average cost of renters insurance in Ohio by coverage levelAs we discussed above, the average cost of renters insurance in Ohio is $252 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $186 per year for renters insurance in Ohio, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in Ohio for personal property coverage amounts of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$180$15$20,000 with $500 Deductible and $300,000 Liability$199$17$20,000 with $1,000 Deductible and $100,000 Liability$167$14$20,000 with $1,000 Deductible and $300,000 Liability$186$16$40,000 with $500 Deductible and $100,000 Liability$247$21$40,000 with $500 Deductible and $300,000 Liability$269$22$40,000 with $1,000 Deductible and $100,000 Liability$231$19$40,000 with $1,000 Deductible and $300,000 Liability$252$21$60,000 with $500 Deductible and $100,000 Liability$313$26$60,000 with $500 Deductible and $300,000 Liability$336$28$60,000 with $1,000 Deductible and $100,000 Liability$293$24$60,000 with $1,000 Deductible and $300,000 Liability$317$26Powered by:Average cost of renters insurance in Ohio by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Ohio.Renters insurance rates in Ohio by citySee rates in your cityCincinnatiAverage cost of renters insurance in Ohio by ZIP codeThe cost of renters insurance in Ohio varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Ohio.Most affordable ZIP codes for renters insurance in OhioIn Ohio, your ZIP code plays a major role in determining your premiums. Based on our data, 44107 is the most affordable ZIP code for renters insurance, with an average annual cost of $224.Comparing quotes from multiple insurers in Ohio is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate44107Lakewood$224$1944070North Olmsted$225$1944256Medina$226$1944017Berea$226$1944130Cleveland$226$1944647Massillon$227$1944134Cleveland$227$1944691Wooster$227$1944011Avon$227$1944129Cleveland$227$19Powered by:Least affordable ZIP codes for renters insurance in OhioAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Ohio is 43601, with an average cost of $322 a year or $27 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Ohio. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate43601Toledo$322$2745423Dayton$313$2643610Toledo$313$2645861Melrose$300$2545063Shandon$300$2545062Seven Mile$299$25Powered by:Final thoughts: Average renters insurance in OhioRenters insurance is essential for residents of Ohio. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.Shivani GiteContributing 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in OhioBest and cheapest homeowners insurance companies in OhioCost of Living in Ohio in 2025How much does condo insurance cost in Ohio in 2025? 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Most Americans don’t 1/1 Related Articles Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Homeowners insurance rates by state By Jake Safane Mobile home insurance cost and coverage in 2026 By Chris Kissell Cost of living calculator By Nupur Gambhir On this page Average renters insurance cost in Ohio per monthAverage renters insurance cost in Ohio by companyAverage cost of renters insurance in Ohio by coverage levelAverage cost of renters insurance in Ohio by cityAverage cost of renters insurance in Ohio by ZIP codeFinal thoughts: Average renters insurance in Ohio ZIP Code Please enter valid ZIP See rates (844) 761-9316