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
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Ohio
Our data shows that Subaru Legacy is the most affordable sedan to insure in Ohio. Its average six-month full coverage cost is $765 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Nissan Versa takes the second spot at $791, while the Honda Accord comes in third with an average cost of $804.
The table below shows the cheapest sedans to insure in Ohio and their average full coverage six-month costs.
| 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
The Toyota Corolla Cross and Kia Niro EV have the lowest car insurance rates, at $715 and $716, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| 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 often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $695.
The table below highlights the average six-month full coverage cost of various 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
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Mazda MX-5 Miata costs an average of $2,272 to insure for an 18-year-old driver, whereas a Hyundai Venue costs an average of $2,454 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs 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 some of the cheapest cars to insure for an 18-year-old driver in Ohio. On the other hand, Maserati Quattroporte, Maserati Ghibli and Audi RS7 are the most expensive vehicles to insure for a young driver.
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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