Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in Ohio Average renters insurance cost in Ohio 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. | Updated on November 7, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Renters insurance costs in Ohio varies depending on various factors, including the coverage amount, insurance company, and individual circumstances. But, the average renters insurance cost in Ohio is $246 per year or $20 per month for coverage limits of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates and actual premium costs may differ. Average renters insurance cost in Ohio by company Grange Mutual offers affordable renters insurance in Ohio at an average annual rate of $167 followed by USAA and Auto-Owners, based on Insure.com’s analysis. But it’s smart to get multiple quotes for various renters insurance companies in Ohio because the prices vary a lot among carriers. Below we have compared the average annual and monthly renters insurance rates of insurance companies across Ohio. CompanyAverage annual rateAverage monthly rateGrange Mutual$167$14USAA$171$14Auto-Owners$211$18State Farm$227$19Allstate$237$20Nationwide$248$21Erie Insurance$280$23American Family$296$25Travelers$603$50 Average cost of renters insurance in Ohio by coverage level As we discussed above, in Ohio, the average cost of renters insurance is $246 per year, that’s $21 more than the national average. These rates are for the 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 $181 per year for renters insurance in Ohio for $300,000 in liability protection and $1000 deductible. Find below the average cost of renters insurance in Ohio for personal property coverage of $20,000 and $40,000. Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate20000$181$1540000$246$2060000$310$26 Average cost of renters insurance in Ohio by ZIP code The 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 explore some of the most and least affordable ZIP codes for renters insurance in Ohio. Most affordable ZIP codes for renters insurance in Ohio How much Ohio renters pay for insurance majorly depends on the ZIP code they live in. 44691 is the most affordable ZIP for renters insurance in Ohio among all the ZIP codes analyzed, at about $221 a year on average. Rates vary based on the zip code, that’s why comparing quotes is one of the easiest ways to get the best deal on renters insurance in Ohio. ZipcodeAverage annual rateAverage monthly rate44691$221$1843465$262$2243984$278$2345112$279$2345406$280$2345234$282$2443607$283$2445893$284$2443547$285$2445864$291$24 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. 43608 is the least affordable zip code for Ohio renters at an average cost of $320 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. ZipcodeAverage annual rateAverage monthly rate43608$320$2743601$316$2643604$307$2643620$306$2543612$300$2543605$298$2545418$296$2543434$296$2545809$293$2445062$292$24 Renters and auto bundle discounts in Ohio If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company. Bundling policies can help you save an average of 11% per year in Ohio. Allstate offers the cheapest rate on renters and auto insurance bundle, you can save 23% a year on your premiums. CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savingsAllstate$1,008$1,313$30523%State Farm$1,292$1,905$61332%American Family$1,363$1,584$22114%Nationwide$1,426$1,877$45124%Auto-Owners$1,427$1,652$22514%Grange Mutual$1,705$2,003$29715%USAA$1,717$1,732$151%Erie Insurance$1,837$1,875$382%Farmers$1,911$2,172$26112%Travelers$5,106$5,712$60710% Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Ohio by cityCincinnatiFresnoGrand RapidsRosevilleTorontoFinal 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. Consider factors like coverage options, deductibles, and customer reviews in addition to price. Methodology Insure.com commissioned Quadrant Information Services to gather renters insurance rates for all available ZIP codes in Ohio. These rates include a coverage limit of $300,000 for liability coverage, personal property coverage ranging from $20,000 to $40,000, and a $1,000 deductible, with credit tier alignment specified as good/none. Explore other insurance options in Ohio Cheapest homeowners insurance in Ohio Average car insurance cost in Ohio Non-owner car insurance in Ohio How much is renters insurance in other statesAlaska$192/YearAlabama$250/YearArkansas$255/YearArizona$177/YearCalifornia$224/YearColorado$143/YearConnecticut$200/YearDelaware$174/YearFlorida$245/YearGeorgia$234/YearHawaii$165/YearIowa$142/YearIdaho$142/YearIllinois$174/YearIndiana$187/YearKansas$176/YearKentucky$149/YearLouisiana$355/YearMassachusetts$168/YearMaryland$183/YearMaine$136/YearMichigan$253/YearMinnesota$161/YearMissouri$168/YearMississippi$288/YearMontana$192/YearNorth Carolina$183/YearNorth Dakota$126/YearNebraska$187/YearNew Hampshire$131/YearNew Jersey$148/YearNew Mexico$158/YearNevada$193/YearNew York$225/YearOklahoma$198/YearOregon$204/YearPennsylvania$186/YearRhode Island$389/YearSouth Carolina$220/YearSouth Dakota$141/YearTennessee$212/YearTexas$158/YearUtah$153/YearVirginia$177/YearVermont$142/YearWashington$182/YearWisconsin$119/YearWest Virginia$184/YearWyoming$111/YearShow moreShivani 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. In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home Insurance Discounts Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Guide to home renovation insurance By Shivani Gite How having a roommate impacts your homeowners insurance coverage By Shivani Gite What does condo insurance cover? By Shivani Gite Does home insurance cover accidental kitchen fires? By Shivani Gite How to switch home insurance By Shivani Gite Is carpenter ant damage covered by homeowners insurance? By Ashlee Tilford On this page Average renters insurance cost in Ohio by company Average cost of renters insurance in Ohio by coverage levelAverage cost of renters insurance in Ohio by ZIP codeRenters and auto bundle discounts in OhioFinal thoughts: Average renters insurance in OhioMethodology Get instant quotes now ! Please enter valid zip Get Quotes