How Much Does Car Insurance Cost In Ohio?

On average, drivers pay $164 per month for car insurance in Ohio, according to 2021 rates.

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Average Cost of Car Insurance in Ohio

Ohio's roads will get you to the captivating Cuyahoga Valley, Hocking Hills, and the Holden Arboretum. But for most of Ohio's 11.7 million residents “taking it all in” is secondary to the busyness of commuting to work or school.

The Greater Columbus and Cleveland metros combined account for over 52 percent of the state's population. With the city life comes a lot of traffic, but even the state's rural parts get their fair share. Car insurance in Ohio is the 12th-cheapest in the nation, coming behind neighboring state Indiana.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $16450%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

What Is the Average Cost of Car Insurance in Ohio by Age?

Paying an average of $294 per month, working Ohio teens can set aside enough pennies in the piggy bank to pay for car insurance. Twentysomethings shave over $100 off the monthly bill as they gain driving experience.

Drivers in their 30s see nearly a $50 drop from the 20s, and then you head into a speed bump in your 40s. The average monthly price comes back down in your 50s, hits the lowest point around retirement age, and then pops back up a little thanks to slower reaction times and increased accident rates for the oldest drivers.

AgeAvg. Monthly Rate
Teens$294
20s$180
30s$132
40s$142
50s$127
60s$110
70s$117
>80s$125

What Is the Average Cost of Car Insurance in Ohio by Gender?

Men pay nine percent more than women for car insurance in Ohio. That’s because women are statistically safer drivers than men, which means they cost less on average to insure.

GenderAvg. Monthly Rate
Male$172
Female$158

Does Marital Status Influence the Average Cost of Car Insurance in Ohio?

Headed to the chapel soon? Among your wedding gifts might be the $300 you save every year just for saying, "I do."

Economists and financial experts say marriage has benefits like greater stability and higher average net worth. Cheaper car insurance on average is just one more reason to ring the wedding bells.

Marital StatusAvg. Monthly Rate
Married$145
Single$169

What Are the Minimum Car Insurance Requirements in Ohio?

Ohio law requires you to carry liability insurance to pay for injuries or property damage you may cause others. The law states you must have $25,000 in bodily injury liability per person and $50,000 per accident and $25,000 in property damage liability per accident. Put comprehensive and collision coverage on your policy to protect your car itself.

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How Does Credit History Affect Ohio Car Insurance Rates?

Ohio, just like most states, allows insurance companies to use credit as a rating factor. People wonder what credit has to do with driving. But insurance statistics can show a meaningful correlation.

The good news is Ohioans with poor, average, and good credit don't pay all that different. Once you get a credit score above 800, you can save $20 on your monthly payment.

Credit HistoryAvg. Monthly Rate
Poor$165
Average$164
Good$161
Excellent$140

What Is the Average Cost of Car Insurance in Ohio for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Ohio will pay $14 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $37. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$152
At-Fault Accident$188
Speeding$166

Tips for Researching Ohio Car Insurance Rates

Insurance prices vary by location, company, and driver in Ohio. A steadily growing population means more cars are clogging up the roads, especially in cities like Columbus, the 14th-largest city in the United States.

The peace of mind that comes from a reliable insurance policy becomes even more valuable in the Buckeye State. Try Insurify's quote-comparison tool for 10+ real quotes in less than two minutes. Unlock savings and discounts, and get the coverage you deserve at a price you can afford.

FAQs - Ohio Car Insurance

Why is car insurance so expensive in Ohio?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Ohio?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Ohio. Insurify analyzed the latest data for the five most populous cities in Ohio to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Ohio?

'The way to find the carrier with the best auto insurance ratings in Ohio and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Ohio?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.