Average Car Insurance Cost in Ohio (2025)
Drivers in Ohio pay an average of $99 per month for car insurance.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
The average annual rate for car insurance in Ohio is $1,193. Drivers in Ohio pay significantly less than the U.S. national average of $1,813 per year.
Ohio’s rural areas and lack of extreme weather make car insurance more affordable. But full-coverage car insurance rates saw a steady increase in 2024 — up 15% from 2023. The Buckeye State is likely to see more increases, with a projected increase of 2% in 2025.
Here’s what you need to know about the average cost of car insurance coverage in Ohio.
Quick Facts
Mile Auto has the cheapest car insurance premiums in Ohio.
Toledo is one of the most expensive cities for car insurance in Ohio.
Ohio drivers must carry at least 25/50/25 in personal liability insurance.
How much is car insurance in Ohio?
The average annual rate for full-coverage car insurance in Ohio is $1,521, or $127 per month, for full coverage. For state-minimum coverage, the average rate is $865 per year, or $72 per month.
Car insurance premiums in Ohio are different for every driver. Rates depend on factors like ZIP code, driver age, marital status, credit history, claim history, driving record, and vehicle type.
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How Ohio car insurance rates have changed over the past two years
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To find car insurance rates in Ohio and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Ohio rose to $1,500 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Ohio.
See how Ohio car insurance prices have changed over the past two years below.
Average Ohio Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Ohio car insurance rates by city
Car insurance rates can vary from city to city and even by ZIP code.[1] For example, the average premium in Toledo is slightly higher than the average rate in Cincinnati. Some of Ohio’s biggest cities, including Canton and Springfield, have slightly lower premiums.
Below, you can see the average cost of car insurance in some of the largest cities in Ohio.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Springfield | $63 | $114 |
| Canton | $72 | $131 |
| Lorain | $74 | $123 |
| Dayton | $75 | $136 |
| Hamilton | $77 | $129 |
| Cleveland | $83 | $149 |
| Cincinnati | $84 | $150 |
| Toledo | $90 | $154 |
| Columbus | $91 | $150 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Ohio (2025)
Average Ohio car insurance rates by age and gender
Age and gender are two of the biggest factors affecting car insurance in Ohio. In general, teen drivers pay the highest rates because they lack experience and have a higher likelihood of accidents. Additionally, male drivers tend to pay more than female drivers because men are statistically more likely to get into a serious car accident and drive impaired.
In the following table, you can see the average car insurance premium for Ohio drivers in different age groups.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $167 | $294 |
| 18 | $145 | $255 |
| 20 | $99 | $175 |
| 25 | $88 | $155 |
| 30 | $76 | $135 |
| 40 | $68 | $121 |
| 50 | $60 | $106 |
| 60 | $55 | $96 |
| 70+ | $57 | $101 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $154 | $271 |
| 18 | $134 | $236 |
| 20 | $91 | $162 |
| 25 | $81 | $143 |
| 30 | $70 | $124 |
| 40 | $63 | $111 |
| 50 | $55 | $98 |
| 60 | $50 | $88 |
| 70+ | $52 | $93 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Ohio
If you’re shopping for car insurance in Ohio, you might be wondering about the average rate for the most popular vehicle models. In the Buckeye State, the bestselling vehicles are mostly SUVs and trucks — likely due to the state’s winter weather.
The table below includes the most popular vehicles in Ohio, according to data from Edmunds, and the average monthly cost of car insurance.
Vehicle | Average Monthly Quote |
|---|---|
| Honda CR-V | $112 |
| Ford F-Series | $125 |
| Chevrolet Silverado | $133 |
| Ram 1500/2500/3500 | $149 |
| Chevrolet Equinox | $118 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Ohio
Your driving record has a significant effect on the cost of Ohio auto insurance. Drivers with a history of at-fault accidents, traffic violations, and DUI convictions typically pay the most expensive rates. For example, the average cost of car insurance for a driver with a DUI is 50% higher than the average rate for someone with a clean record.
The table below shows the average full-coverage car insurance rates for an Ohio driver with various incidents on their record and how they compare to the cost for full coverage for a driver with a clean record, at $129 per month.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $189 | 47% |
| With speeding ticket | $188 | 46% |
| With DUI | $215 | 67% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In Ohio, your insurance company can use credit-based insurance scores to determine premiums. In general, insurers view drivers with good credit as less risky to insure, and they pay lower rates than drivers with poor credit.[2]
The table below includes the average cost of full-coverage and state-minimum car insurance in Ohio by credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $72 $127 Good $73 $128 Average $70 $124 Poor $83 $146 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in Ohio
If you’re looking for cheap car insurance in Ohio, here are some tips to reduce your premium:[3]
Look for discounts
Most car insurance companies in Ohio offer discounts that can help you save money. When researching insurance companies, look for ones that have multiple discounts you can qualify for.
Raise your deductible
Choosing higher deductibles for your policy can help you save on your monthly premium. But make sure you can afford a higher deductible out of pocket before you change it.
Maintain a clean driving record
Drivers with good records typically pay the lowest rates. Maintaining a clean driving record and avoiding accidents and other violations can help you secure the lowest rate for your situation.
Take a defensive driving course
Many auto insurance companies offer a discount to customers who complete an approved defensive driving course. Sometimes, every driver on the policy needs to take the course in order to get the discount.
Bundle your policies
You can often save a significant amount of money if you purchase multiple insurance policies from the same company, such as car insurance with home insurance, renters insurance, or condo insurance.
Shop around
Car insurance premiums depend on many factors, including your insurance company. To find cheap car insurance in Ohio, it’s a good idea to shop around and compare personalized rates from several different insurers.
Ohio average car insurance cost FAQs
If you’re shopping for car insurance in Ohio, here’s some more information that can be helpful as you compare insurers and policies.
The average cost of car insurance in Ohio is $1,521 per year for full coverage and $865 per year for liability-only coverage.
Based on Insurify data, Mile Auto has the cheapest car insurance in Ohio, with an average liability rate of $35 per month.
The average monthly rate for car insurance in Ohio is $127 for full coverage and $72 per month for state-minimum coverage.
The best auto insurance in Ohio is different for every driver. The right insurance company can offer the type of coverage you want at the most affordable price.
To find the best car insurance for you, it’s a good idea to shop around and compare several companies. To get you started, the cheapest companies are Mile Auto, State Farm, and Auto-Owners.
Ohio requires vehicle owners to carry at least 25/50/25 in liability insurance. That includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage per accident.[4]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- III. "What determines the price of an auto insurance policy?."
- III. "Background on: Insurance scoring."
- III. "Nine ways to lower your auto insurance costs."
- Ohio Department of Insurance. "Ohio’s Minimum Coverage Requirements for Auto Insurance."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.