Average Cost of Car Insurance Rates in Ohio (2021)

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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 then 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. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

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 Companies
progressive

Progressive

$28/mo
allstate
$53/mo
state-farm
$56/mo
geico
$70/mo
travelers
$83/mo

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.
City
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.

Age
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.

Gender
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 Status
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.

ohio

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 History
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 History
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

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.