- The average cost of car insurance in Ohio is $1,417 a year or $118 per month, based on our data analysis.
- 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.
- Grange Mutual provides the most affordable annual rates for full coverage car insurance in Ohio, costing $986 per year.
- 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%.
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.
We’ve compiled this detailed guide to help you choose the right car insurance in Ohio. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Ohio and how much you need.
How much is car insurance in Ohio?
CarInsurance.com data found that drivers in Ohio pay $118 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Ohio based on driver profile:
- Teen drivers in Ohio pay the most — about $391 a month or $4,697 a year.
- Young drivers in their 20s pay an average of $190 monthly or $2,276 annually, for car insurance.
- Senior drivers pay around $119 monthly or $1,433 a year.
- A speeding ticket can increase your rates to $176 monthly or $2,114 annually.
- An at-fault accident increases car insurance rates to $199 a month or $2,386 a year.
- Poor credit drivers usually see their car insurance costs increase to $230 monthly or $2,758 annually.
Average cost of auto insurance in Ohio by coverage level
In Ohio, car insurance rates can differ depending on how much coverage you choose. Drivers in Ohio are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
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.
Below, you will find the rates for car insurance in Ohio for different coverage levels.
| 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
In Ohio, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Ohio costs $362 a year but doesn’t provide much protection for drivers. Ohio drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Ohio must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Ohio
The average cost of liability-only insurance in Ohio is $446 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
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.
Calculate car insurance rates by ZIP code in Ohio
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
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 drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Ohio can increase your premiums by up to 52% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Ohio, you’ll likely see an increase in your car insurance premium by up to 32% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Ohio after driving incidents:
- Speeding ticket: Up to 32% increase
- DUI conviction: 52% increase
- At-fault accident (bodily injury and property damage): 50% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Ohio for high-risk drivers
High-risk drivers in Ohio pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
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.
Begin your search for the top car insurance policy in Ohio by getting quotes from multiple insurance providers and comparing them.
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 costs differ from city to city in Ohio, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
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.
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.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
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.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
