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: January 16, 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 lessAverage renters insurance cost in Ohio by companyGrange Mutual offers the most affordable renters insurance in Ohio at an average annual rate of $159, followed by Auto-Owners and Nationwide, based on our data.However, you should get multiple quotes from various renters insurance companies in Ohio because the prices vary greatly 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$159$13Auto-Owners$204$17Nationwide$233$19Allstate$248$21Erie Insurance$249$21State Farm$289$24American Family$354$30Travelers$603$50USAA$171$14 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 levelThe average annual cost of renters insurance in Ohio is $252, 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 $186 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 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$26Average cost of renters insurance in Ohio by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Ohio and find the best fit for your budget.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 RapidsRosevilleTorontoAverage cost of renters insurance in Ohio by ZIP codeRenters insurance costs in Ohio vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in OhioThe amount Ohio renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 44107 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $224.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Ohio.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$19Least 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$25Final thoughts: Average renters insurance in OhioRenters 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.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 Explore other insurance options in Ohio Average homeowners insurance cost in Ohio Average car insurance cost in Ohio Non-owner car insurance in Ohio Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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