- The average cost of car insurance in Ohio is $1,783 a year or $149 per month, based on our data analysis.
- Minimum liability coverage in Ohio costs around $418 annually for limits of 25/50/25, while liability-only coverage costs $452 per year for limits of 50/100/50.
- Grange Insurance provides the most affordable annual rates for full coverage car insurance in Ohio, costing $1,512 per year.
- In Ohio, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 29%, a DUI raising rates by 53%, and an at-fault accident by up to 46%.
Car insurance costs in Ohio vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Grange Insurance offers the cheapest annual rates for full coverage car insurance in Ohio at $1,512 annually.
This comprehensive guide to buying car insurance for Ohio drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Ohio works and how much insurance you need.
How much is car insurance in Ohio?
CarInsurance.com data found that drivers in Ohio pay $149 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 $439 a month or $5,270 a year.
- Young drivers in their 20s pay an average of $243 monthly or $2,910 annually, for car insurance.
- Senior drivers pay around $153 monthly or $1,840 a year.
- A speeding ticket can increase your rates to $192 monthly or $2,304 annually.
- An at-fault accident increases car insurance rates to $217 a month or $2,605 a year.
- Poor credit drivers usually see their car insurance costs increase to $278 monthly or $3,339 annually.
Average cost of auto insurance in Ohio by coverage level
In Ohio, the cost of car insurance can vary depending on how much coverage you purchase. Ohio drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Ohio. However, they don’t offer much 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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $35 | $418 |
| Liability Only – 50/100/50 BI/PD | $38 | $452 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $149 | $1,783 |
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 $418 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 $452 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
On average, premiums for full coverage car insurance in Ohio cost $1,783 per year for the 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Ohio
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Ohio have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
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
Ohio car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Ohio drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,737 annually.
Car insurance for drivers aged 16-19 costs $3,533 more annually than Ohio drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,270 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,786 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,737 per year in Ohio.
- For senior drivers: Drivers age 65 and older can expect to pay $1,840 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 53% 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 29% 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 29% increase
- DUI conviction: 53% increase
- At-fault accident (bodily injury and property damage): 46% 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 car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Ohio by getting quotes from different insurance companies.
Below are the details of Ohio car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Grange Insurance | $296 | $324 | $1,512 |
| Travelers | $408 | $435 | $1,555 |
| Erie Insurance | $268 | $293 | $1,610 |
| Auto-Owners | $382 | $418 | $1,697 |
| Allstate | $559 | $591 | $1,914 |
| Westfield Insurance | $326 | $364 | $1,993 |
| Farmers | $686 | $737 | $2,214 |
Car insurance rates by city in Ohio
Cleveland is the most expensive city in Ohio, with an average car insurance rate of $2,065 a year. Lorain is the cheapest city for Ohio drivers at an average rate of $1,583 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.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Ohio.
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 $149 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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $35 |
| Liability Only – 50/100/50 BI/PD | $38 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $149 |
Final thoughts on choosing car insurance in Ohio
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Ohio.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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