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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 month

In 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 less

Average renters insurance cost in Ohio by company

Grange 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 rate
Grange Mutual$159$13
Auto-Owners$204$17
Nationwide$233$19
Allstate$248$21
Erie Insurance$249$21
State Farm$289$24
American Family$354$30
Travelers$603$50
USAA$171$14

Renters insurance calculator in Ohio

$231/year
Estimated renters insurance rates in Ohio
$19
Monthly renters insurance cost in Ohio
-6%
Compared to national average

Average cost of renters insurance in Ohio by coverage level

The 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$26

Average cost of renters insurance in Ohio by city

Renters 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 city

Average cost of renters insurance in Ohio by ZIP code

Renters 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 Ohio

The 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 rate
44107Lakewood$224$19
44070North Olmsted$225$19
44256Medina$226$19
44017Berea$226$19
44130Cleveland$226$19
44647Massillon$227$19
44134Cleveland$227$19
44691Wooster$227$19
44011Avon$227$19
44129Cleveland$227$19

Least affordable ZIP codes for renters insurance in Ohio

Among 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 rate
43601Toledo$322$27
45423Dayton$313$26
43610Toledo$313$26
45861Melrose$300$25
45063Shandon$300$25
45062Seven Mile$299$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.

How much is renters insurance in other states

Alaska$257/Year
Alabama$324/Year
Arkansas$363/Year
Arizona$260/Year
California$271/Year
Colorado$191/Year
Connecticut$292/Year
Delaware$181/Year
Florida$248/Year
Georgia$352/Year
Hawaii$247/Year
Iowa$203/Year
Idaho$184/Year
Illinois$246/Year
Indiana$269/Year
Kansas$251/Year
Kentucky$207/Year
Louisiana$504/Year
Massachusetts$262/Year
Maryland$256/Year
Maine$198/Year
Michigan$340/Year
Minnesota$211/Year
Missouri$231/Year
Mississippi$387/Year
Montana$275/Year
North Dakota$192/Year
Nebraska$295/Year
New Hampshire$173/Year
New Jersey$207/Year
New Mexico$201/Year
Nevada$246/Year
New York$293/Year
Oklahoma$281/Year
Oregon$288/Year
Pennsylvania$274/Year
Rhode Island$476/Year
South Dakota$202/Year
Tennessee$290/Year
Texas$226/Year
Utah$204/Year
Virginia$235/Year
Vermont$182/Year
Washington$222/Year
Wisconsin$167/Year
West Virginia$248/Year
Wyoming$136/Year
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Shivani Gite
Contributing Writer

 
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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.

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