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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 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 $255 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 $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 monthThe average cost of renters insurance in Ohio is $21 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$21$3 lessPowered by:Average renters insurance cost in Ohio by companyAccording to our data, Grange Insurance provides the most affordable renters insurance in Ohio, with an average annual rate of $167, followed by State Farm and Auto-Owners.Getting quotes from multiple renters insurance companies in Ohio is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Ohio.CompanyAverage annual rateAverage monthly rateGrange Insurance$167$14State Farm$185$15Auto-Owners$239$20Nationwide$241$20Allstate$256$21Erie Insurance$263$22American Family$401$33Travelers$687$57USAA*$155$13*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 $234/year Estimated renters insurance rates in Ohio $20 Monthly renters insurance cost in Ohio -13% Compared to national average Get quotes Average cost of renters insurance in Ohio by coverage levelOn average, Ohio renters pay $255 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Ohio to $189 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are 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$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$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 OhioThe amount Ohio renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 45245 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $228.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 rate45245Cincinnati$228$1945255Forestville$229$1944256Medina$230$1944011Avon$231$1944012Avon Lake$232$1945244Dry Run$232$1944107Lakewood$232$1945150Milford$232$1944223Cuyahoga Falls$233$1944254Lodi$233$19Powered by:Least affordable ZIP codes for renters insurance in OhioYour 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 codeCityAverage annual rateAverage monthly rate43601Toledo$324$2745423Dayton$306$2644640Limaville$298$2544422Greenford$297$2545063Shandon$297$2545070West Elkton$297$2545630Friendship$296$2543434Harbor View$296$2545677Scioto Furnace$296$2543408Clay Center$295$25Powered by: Final thoughts: Average renters insurance in OhioRenters insurance is a must for Ohio renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.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$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/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 $400K home insurance cost calculator By Zack Sigel Cost of living by state By Chris Kissell Cost of living calculator By Nupur Gambhir How much do claims increase home insurance premiums? By Les Masterson How to file a successful mold claim By Chris Kissell Home and auto insurance bundle: Best companies and rates By Chris Kissell 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