Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Grange Mutual offers the most affordable car insurance at $986 per year.
This guide makes buying car insurance in Ohio easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Ohio works and how much coverage you need.
- Grange Mutual provides the most affordable annual rates for full coverage car insurance in Ohio, costing $986 per year.
- In Ohio, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Ohio costs around $362 annually for limits of 25/50/25, while liability-only coverage costs $446 per year for limits of 50/100/50.
- In Ohio, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 32%, a DUI raising rates by 52%, and an at-fault accident by up to 50%.
How much is car insurance in Ohio?
According to CarInsurance.com data, drivers in Ohio pay about $118 per month for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Ohio by coverage level
Car insurance costs in Ohio can differ based on the coverage limit. To legally drive, Ohio residents must adhere to the minimum liability limits of 25/50/25.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Ohio, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Ohio for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $30 | $362 |
| Liability Only – 50/100/50 BI/PD | $37 | $446 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $118 | $1,417 |
State minimum car insurance in Ohio
Ohio’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
In Ohio, you can get state minimum car insurance for $362 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Ohio must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Ohio
Liability-only car insurance costs $446 in Ohio for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Ohio
The average annual premium in Ohio is $1,417 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
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Calculate the cost of car insurance in Ohio
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, residents in higher-risk neighborhoods in Ohio pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Ohio Car Insurance Rates by ZIP Code
Estimate car insurance in Ohio by car model
In Ohio, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Ohio.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Ohio
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Car insurance companies know teen drivers are less experienced and riskier to insure. Ohio drivers aged 30 to 60 have the lowest average auto insurance rates at $1,384 annually.
Drivers aged 16-19 pay $3,313 more for car insurance than Ohio drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,697 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,183 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,384 annually in Ohio.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,433 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Ohio
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Ohio, a DUI conviction lead to increased rates and you may see a rate hike of up to 52% as insurers categorize you as a high-risk driver.
If you get caught speeding in Ohio, your car insurance rates will increase by 32% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Ohio following driving incidents:
- Speeding ticket: Up to 32% increase
- DUI conviction: 52% increase
- At-fault accident (bodily injury and property damage): 50% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Ohio for high-risk drivers
In Ohio, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Erie Insurance | $1,395 |
| USAA | $1,520 |
| Auto-Owners | $1,608 |
| Travelers | $2,045 |
| Geico | $2,796 |
| Progressive | $2,844 |
| Allstate | $3,074 |
| Farmers | $3,525 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Ohio
In Ohio, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Compare the best car insurance options in Ohio by getting quotes from different insurance companies.
In the table below, see an overview of various car insurance companies in Ohio, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Grange Mutual | $182 | $248 | $986 |
| Auto-Owners | $235 | $289 | $1,109 |
| Erie Insurance | $226 | $273 | $1,132 |
| Travelers | $380 | $467 | $1,336 |
| Geico | $421 | $532 | $1,373 |
| Cincinnati Insurance | $404 | $483 | $1,624 |
| Progressive | $452 | $533 | $1,626 |
| Westfield Insurance | $325 | $385 | $1,673 |
| Farmers | $554 | $771 | $1,794 |
| Allstate | $582 | $651 | $1,942 |
| USAA | $218 | $271 | $994 |
Car insurance rates by city in Ohio
Cleveland is Ohio’s most expensive city for car insurance at an average cost of $1,643 annually. Fremont is the state’s least expensive city, with an average car insurance rate of $1,183 annually.
Car insurance rates vary by city in Ohio for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Ohio’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,054 |
| Grange Insurance | $1,094 |
| Auto-Owners | $1,251 |
| Erie Insurance | $1,260 |
| Travelers | $1,568 |
| Progressive | $1,724 |
| Geico | $1,746 |
| Westfield Insurance | $1,759 |
| Cincinnati Insurance | $1,892 |
| Farmers | $2,064 |
| Allstate | $2,281 |
How much does car insurance cost in Ohio per month?
In Ohio, a full coverage car insurance policy with 100/300/100 limits typically costs about $118 per month.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $30 |
| Liability Only – 50/100/50 BI/PD | $37 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $118 |
Final thoughts on choosing car insurance in Ohio
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Ohio.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Ohio. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Ohio