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Ohio Average Cost of Car Insurance Rates (2022)

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Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

How Much Does Car Insurance Cost In Ohio?

On average, car insurance rates for drivers in Ohio are $164 per month, and $1971 per year. The average rates make Ohio the 40th most expensive state in the country for car insurance rates and 36% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

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.

Best Ohio Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Ohio and has selected the following providers and quotes as the best rates for drivers in Ohio.

Cheapest CompaniesQuotes
Progressive$28
Allstate$53
State Farm$56
GEICO$70
Travelers$83

Ohio Car Insurance Rates by City

For drivers in Ohio, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Ohio.

CityAvg. Monthly Rate
Akron$149
Canton$143
Cincinnati$164
Cleveland$153
Columbus$166
Dayton$142
Dublin$143
Hamilton$154
Toledo$170
Youngstown$153

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

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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

Minimum Car Insurance Requirements in Ohio

All motor vehicles operated or parked on Ohio roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • Inspecting a vehicle
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Ohio[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Ohio is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Ohio Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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Sources

  1. Ohio Bureau of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022