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 get a clear idea of how car insurance in Ohio works and how much coverage you need.
- 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%.
How much is car insurance in Ohio?
In Ohio, drivers pay an average of $118 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
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 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.
Below are the Ohio car insurance costs for three 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 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
In Ohio, you can expect to pay around $1,417 per year for full coverage car insurance 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
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive 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 ( Liability - Minimum)
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 instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars 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 $1,384 annually.
Ohio drivers aged 16-19 pay $3,313 more for insurance premiums than drivers aged 30-60.
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 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,384 per year in Ohio.
- For senior drivers: Drivers age 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
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Ohio, a DUI conviction often results in higher premiums and you may see an increase of up to 52% as insurers perceive you as a high-risk driver.
If you receive a speeding ticket in Ohio, be prepared for your car insurance rates to rise by up to 32% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
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, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
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.
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
Drivers in Ohio can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
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 the most expensive city in Ohio, with an average car insurance rate of $1,643 a year. Fremont is the cheapest city for Ohio drivers at an average rate of $1,183 annually.
Car insurance premiums differ across cities in Ohio and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
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?
Car insurance in Ohio costs an average of $118 a month for a full coverage policy with limits of 100/300/100.
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.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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 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.
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