In Ohio, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Ohio by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Ohio
The Hyundai Venue and Mazda MX-5 Miata are the cheapest vehicles to insure in Ohio, closely followed by the Toyota Corolla Cross and Kia Niro EV, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Ohio and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Hyundai Venue | $687 |
| Mazda MX-5 Miata | $695 |
| Toyota Corolla Cross | $715 |
| Kia Niro EV | $716 |
| Mazda CX-5 | $717 |
| Honda HR-V | $720 |
| Kia Seltos | $720 |
| Chevrolet TrailBlazer | $722 |
| Kia Sportage Hybrid | $722 |
| Mazda CX-30 | $722 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Ohio
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Ohio
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $765 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Nissan Versa, which costs $791, and the Honda Accord, which costs $804 to insure.
Below, you’ll find the most affordable sedans to insure in Ohio and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $765 |
| Nissan Versa | $791 |
| Honda Accord | $804 |
| Kia Forte | $815 |
| Honda Civic Sedan | $821 |
| Nissan Sentra | $825 |
| Toyota Corolla | $827 |
| Toyota Camry | $832 |
| Volkswagen Jetta | $833 |
| Chevrolet Malibu | $852 |
| Volkswagen Jetta GLI | $860 |
| Hyundai Elantra | $864 |
| Nissan Altima | $867 |
| Mazda 3 Sedan | $883 |
| Mitsubishi Mirage G4 | $883 |
| Hyundai Sonata | $889 |
| Kia K5 | $896 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Ohio
In Ohio, the Toyota Corolla Cross and Kia Niro EV are some of the most affordable SUVs to insure with an average six-month full coverage cost of $715 and $716 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Toyota Corolla Cross | $715 |
| Mazda CX-5 | $717 |
| Honda HR-V | $720 |
| Kia Seltos | $720 |
| Chevrolet TrailBlazer | $722 |
| Mazda CX-30 | $722 |
| Chevrolet Trax | $724 |
| Ford Escape | $725 |
| Jeep Wrangler | $726 |
| Honda CR-V | $727 |
| Kia Sportage | $729 |
| Volkswagen Taos | $734 |
| Toyota Highlander | $738 |
| Subaru Crosstrek | $738 |
| Hyundai Kona | $739 |
| Jeep Compass | $750 |
| Subaru Forester | $752 |
| Chevrolet Traverse | $752 |
| Volkswagen Tiguan | $753 |
| Hyundai Tucson | $753 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Ohio
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $695.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $695 |
| Chevrolet Camaro | $896 |
| Honda Civic Si | $901 |
| Ford Mustang | $958 |
| Subaru BRZ | $1,035 |
| Subaru WRX | $1,062 |
| Honda Civic Type R | $1,075 |
| Toyota GR86 | $1,076 |
| BMW Z4 | $1,120 |
| Toyota GR Corolla | $1,133 |
| Toyota GR Supra | $1,142 |
| Porsche 718 Boxster | $1,155 |
| Chevrolet Camaro ZL1 | $1,160 |
| Nissan Z | $1,197 |
| Chevrolet Corvette | $1,276 |
| Porsche 718 Cayman | $1,280 |
| Jaguar F-Type | $1,494 |
| Chevrolet Corvette Z06 | $1,548 |
| Porsche 911 | $1,751 |
| Porsche 911 Turbo | $1,878 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Ohio
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Volvo XC40 is the cheapest luxury car to insure, with an average cost of $776 for a full coverage six-month policy. It is followed by the Volvo XC60 ($808) and Alfa-Romeo Tonale ($820).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Volvo XC40 | $776 |
| Volvo XC60 | $808 |
| Alfa-Romeo Tonale | $820 |
| Acura Integra | $821 |
| Acura RDX | $827 |
| Lincoln Corsair | $852 |
| Lexus RX | $868 |
| BMW X1 | $869 |
| Audi Q3 | $890 |
| Lexus NX | $911 |
| Cadillac XT4 | $912 |
| BMW X2 | $916 |
| Acura MDX | $916 |
| BMW X3 | $920 |
| Cadillac XT5 | $926 |
| Acura TLX | $927 |
| Lexus TX | $932 |
| Lincoln Nautilus | $942 |
| Mercedes-Benz GLA-Class | $943 |
| Mercedes-Benz GLC-Class | $945 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Ohio
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $2,072 a year or $173 a month.
Below is a list of the most affordable EVs to insure in Ohio for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Kia Niro EV | $716 |
| Mini Cooper Electric | $784 |
| Hyundai Kona Electric | $789 |
| Volkswagen ID.4 | $810 |
| Nissan Leaf | $857 |
| Chevrolet Silverado EV | $864 |
| Audi Q4 e-tron | $864 |
| Ford F-150 Lightning | $883 |
| Toyota bZ4X | $891 |
| Subaru Solterra | $902 |
| Hyundai Ioniq 5 | $912 |
| Kia EV6 | $940 |
| Kia EV9 | $945 |
| Mercedes-Benz EQB | $953 |
| Ford Mustang Mach-E | $968 |
| Cadillac LYRIQ | $970 |
| Toyota Mirai | $981 |
| Hyundai Ioniq 6 | $990 |
| Volvo XC40 Recharge | $1,008 |
| Genesis GV60 | $1,008 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Ohio
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $2,272 to insure a Mazda MX-5 Miata, while insuring a Hyundai Venue costs $2,454 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Ohio?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $716 to insure a Kia Niro EV for a six-month policy, whereas the insurance cost of a Mini Cooper Electric is $784, according to our analysis.
Which SUVs are the cheapest to insure in Ohio?
The Toyota Corolla Cross is one of the cheapest SUVs to insure in Ohio, with an average cost of $715 for a six-month car insurance plan. The Kia Niro EV and Mazda CX-5 also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Ohio?
The Mazda MX-5 Miata, Hyundai Venue, Ford Escape and Subaru Crosstrek are among the most affordable cars to insure for 18-year-old drivers in Ohio. On the other hand, vehicles like the Maserati Quattroporte, Maserati Ghibli and Audi RS7 come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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