How Much Is Car Insurance in Ohio? (2026)

How much is car insurance in Ohio?

The average overall cost of car insurance in Ohio is $91 per month.

Although car insurance rates have increased in recent years, they’re still relatively affordable in Ohio, especially compared to nearby states and the rest of the country. Nationally, drivers pay $142 per month.

See average car insurance costs by coverage level in Ohio below.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$64	$772
Full coverage	$117	$1,404

Disclaimer: Table data is based on real-time Ohio quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Minimum car insurance requirements in Ohio

Ohio uses a tort liability system, meaning if you’re behind the wheel in an at-fault accident, you’ll be responsible for paying for all the damage you cause. That can get quite expensive, and to make sure you have some ability to pay, state law requires you to purchase minimum coverage in the form of a 25/50/25 policy.^[1]

Here are the minimum car insurance requirements in Ohio.

Coverage Type	Ohio Minimum Requirement
Bodily injury liability	$25,000 per person and $50,000 per accident
Property damage liability	$25,000 per accident

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Two-thirds of Ohioans own their vehicle outright, according to Insurify data, and can opt for a cheaper minimum-coverage policy. If you still owe on your car or are leasing it, your lender generally requires you to buy a full-coverage policy.

Here are the average car insurance costs in Ohio for drivers seeking a quote on a minimum liability policy with different insurers.

The below rates in Ohio are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Mile Auto	$35
State Farm	$36
Progressive	$41
Auto-Owners	$42
Erie	$42
Commonwealth Casualty	$46
GEICO	$46
USAA	$46
Safeco	$48
The General	$48
Certainly	$50
American Family	$51
Trexis	$56
Hugo	$57
AssuranceAmerica	$58
Trexis One	$61
First Acceptance	$62
Direct Auto	$66
Elephant	$66
GAINSCO	$66
Clearcover	$70
Bristol West	$71
Dairyland	$74
Root	$76
Allstate	$79
National General	$79
Liberty Mutual	$81
Travelers	$85
Farmers	$88
Insurify Car	$106
State Auto	$122

Disclaimer: Table data sourced from real-time Ohio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ohio may vary based on the policy buyer's unique driver profile.

Average Ohio car insurance rates by city

Drivers in Toledo pay the highest insurance costs in Ohio, while those in suburban Newark pay the lowest, on average. Higher rates of accidents and crime drive up auto insurance rates in cities, and that’s true in Ohio, too. In February 2026, for example, Toledo residents reported 82 vehicle thefts. In contrast, Newark recorded only two cars stolen during that time.

Drivers in northeast Ohio, including Cleveland and its suburbs like Maple Heights, also pay higher premiums. Aside from living in a denser urban area, these residents also have to contend with the region’s famed lake-effect snowfall, which can wreak havoc on drivers.^[2]

Here’s how much drivers pay for car insurance across different cities in Ohio.

The below rates in Ohio are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

City	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Newark	$57	$103
Mansfield	$60	$106
Springfield	$63	$107
Lancaster	$64	$112
Lorain	$69	$115
Canton	$70	$114
Elyria	$70	$117
Dayton	$72	$129
Youngstown	$72	$124
Hamilton	$73	$125
Akron	$77	$135
Cleveland	$79	$149
Cincinnati	$80	$142
Maple Heights	$83	$156
Columbus	$84	$151
Toledo	$85	$144

Disclaimer: Table data sourced from real-time Ohio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ohio may vary based on the policy buyer's unique driver profile.

Average Ohio car insurance rates by age

Teens can start driving as young as age 15 and a half in Ohio.^[3] But because teen drivers tend to get into more car crashes, auto insurance rates are typically much higher, at $194 per month, on average.

Ohio has a slightly higher-than-average senior population, and likely because older drivers often drive more safely and less often, they pay $79 per month on average.

Here’s a breakdown of average insurance costs for teen, adult, and senior drivers in Ohio.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$137	$250
Adults (40s)	$64	$117
Seniors	$55	$101

Disclaimer: Table data is based on real-time Ohio quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Ohio

Ohioans with a clean driving record typically save the most money on car insurance, paying an average of $91 per month. Nearly 6% of Ohio drivers have a speeding ticket, 5% have an at-fault accident, and 1% have a driving under the influence (DUI) conviction on their driving record, according to Insurify data. These moving violations increase rates.

Here’s how much high-risk drivers in Ohio typically pay for coverage by driving record.

Driving Record	Average Monthly Quote in OH	% Increase Compared to Clean Driving Record
Clean driving record	$91	N/A
With speeding ticket	$119	31%
With accident	$127	40%
With DUI	$129	42%

Disclaimer: Table data is based on real-time Ohio quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Ohio?

The Ohio auto insurance market is generally healthy — especially when compared to the rest of the country — which is why rates in the state are so low. But different factors can affect your rates in the Buckeye State, and many of them are outside of your control.

Learn more about these factors below:

• Insurance fraud: Fake policies, claims, and other scams increase costs for everyone, and it’s a top priority for Ohio insurance regulators.^[4]

• Competitive market: Ohioans have many more auto insurance options than residents of other states. All that competition helps keep prices low for everyone.

• Snowy weather: Winter storms can affect any part of Ohio. But the northeast corner is particularly vulnerable to lake-effect snow, which can pile up fast. One 2025 study estimated that accident rates in these areas can be up to 10 times higher during storms.^[5]

• Credit score: Ohio law allows insurers to use your credit-based insurance score to set your premiums.^[6] Ohioans have about average credit, according to Experian.^[7] If you have poor credit, working to improve your credit history can help you score lower rates.

How Ohio car insurance rates have changed over the past five years

Car insurance rates have generally risen in Ohio and nationwide during the past few years due to factors such as inflation, tariffs, and the higher price of new vehicles. Ohio, in particular, has also seen an increase in severe weather conditions, with an average of seven disaster events per year.^[8]

Here’s how rates have changed in Ohio over the past five years.

How to lower car insurance costs in Ohio

Even though auto insurance in Ohio is relatively affordable, you can lower your rates with a few different tips. Getting multiple quotes every time your policy comes up for renewal is ideal, but here are a few other ideas to try, too:

• Consider your coverage. Check your policy for extra coverages you can drop if you’re not likely to use them, like roadside assistance.

• Look into discounts. Seniors between the ages of 60 and 70 can take Ohio BMV-approved driver safety courses for premium discounts ranging from 2% to 15%.^[9]

• Check quotes from small insurers. Consider getting more quotes from smaller, regional insurers like Erie, which may be cheaper and offer better customer service.

• Buy a cheaper-to-insure vehicle. Consider buying a vehicle type with top safety features that excels in Ohio’s winter driving conditions, like the Subaru Outback or Subaru Forester.

• Increase your deductible. If you have collision coverage and comprehensive coverage, consider raising your deductible as high as you can comfortably afford if you need to file a claim.

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