Average Car Insurance Cost in Ohio (2023)

Drivers in Ohio pay $141 a month on average for full-coverage car insurance.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated November 30, 2023 at 11:00 AM PST

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Ohio drivers pay an average of $68 per month for liability-only car insurance, and $141 on average each month for full coverage. By comparison, the national average costs of liability and full-coverage car insurance are $103 and $207, respectively.

Car insurance costs in the Buckeye State are lower than the national average for several reasons. Most counties in the state have relatively low population density, and fewer cars on the road means reduced risk of accidents. The statewide number of traffic accidents, as well as the tally of fatal crashes, decreased year-over-year since 2021, according to Ohio Department of Public Safety data.[1]

Shopping regularly for car insurance is the best way for Ohio drivers to find the best coverage for their needs at the lowest prices available to them.

Quick Facts
  • The average annual cost of a full-coverage car insurance policy in Ohio is $1,697.

  • Liability-only car insurance in Ohio costs an average of $815 per year.

  • Mile Auto, State Farm, and Hugo are the cheapest insurers in Ohio.

What’s the average cost of car insurance in Ohio?

Ohio drivers pay an average of $141 per month for full-coverage insurance and $68 per month for liability-only coverage. Liability coverage will pay for damages and injuries to others if you’re at fault in an accident.

Full coverage includes liability insurance, any other state-mandated coverage, and collision and comprehensive coverage. The main difference between the two policies is that liability protects the other driver, while full coverage covers damages to your car as well.

The amount you pay for car insurance depends on your personal circumstances and driving record. For instance, your age, gender, marital status, and even credit score can affect how much you pay for auto insurance.

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Average Ohio car insurance rates by city

Car insurance premiums vary greatly by state, but the city you live in plays a role as well. Urban areas tend to have higher rates of crime and vandalism, so drivers in these areas will pay more for auto insurance than drivers who live in small towns or rural areas.

Here are some other city-specific factors that affect car insurance rates:[2]

  • Cost and frequency of litigation in that area

  • Average medical costs

  • Average cost of auto repairs

  • Prevalence of car insurance fraud

  • Weather trends

The table below illustrates the cost differences among major Ohio cities. Although each is a significant urban area in Ohio, insurance prices vary significantly among them.  

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Cincinnati$168$82
Cleveland$180$83
Columbus$171$81
Dayton$155$73
Hamilton$151$76
Springfield$127$61
Toledo$176$83
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.
Learn More: Cheap Car Insurance in Ohio

Learn More: Cheap Car Insurance in Ohio

Average Ohio car insurance rates by insurance company

Car insurance rates vary among insurance companies. Every insurer has slightly different methods of calculating insurance premiums. Because insurance rates vary by company, it’s a good idea to get at least three car insurance quotes before buying a policy.

When you apply for car insurance, the insurance company considers the risk you present as a driver. This helps determine how much it can expect to pay out in claims in the coming year.

Here are the average monthly costs for different insurers in Ohio.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyFull CoverageLiability Only
Mile Auto5739
State Farm6840
Erie8046
Auto-Owners8046
Elephant8257
Clearcover8360
GEICO8750
Safeco8747
USAA8951
Nationwide9059
Midvale Home & Auto9757
American Family9857
Hugo11143
Progressive11365
Travelers12095
Direct Auto12187
Liberty Mutual12771
GAINSCO14278
The General14977
Commonwealth Casualty15067
Allstate15188
CSAA16193
Farmers16897
State Auto18295
Dairyland20681
Foremost214133
Bristol West249133
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.

Average Ohio car insurance rates by age

Age is an important factor that affects how much you pay for car insurance, and in general, the younger the driver, the more they can expect to pay.[2] Older, more experienced drivers tend to pose a lower risk for accidents and pay less for car insurance.

Teenagers pay the most for car insurance since they tend to be high-risk drivers. Teens pay an overall average of $182 per month for auto insurance in Ohio, while drivers in their 40s can expect to pay an average of $86 per month.

“New drivers, regardless of age, and young drivers are usually considered high-risk since they are less risk-averse and more aggressive behind the wheel,” says Hinkai Yee, a licensed agent in Ohio. “Consequently, these groups pay the highest rates.”

Fortunately, teens can save money on auto insurance in several ways. They may qualify for discounts if they maintain good grades or take a safe driving course.[3] And if they maintain a clean driving record, their rates will drop once they turn 25.

The following table shows how age affects average monthly liability-only car insurance rates in Ohio.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyTeensYoung DriversMiddle AgedSeniors
State Farm67492518
Mile Auto72472220
Auto-Owners76582922
GEICO77603224
USAA82613126
Erie82572520
Safeco83583929
Elephant93673529
American Family95633527
Nationwide98703425
Clearcover106664346
Progressive116773426
Commonwealth Casualty117813538
The General121934446
Liberty Mutual123825637
Dairyland129954945
GAINSCO139934445
CSAA1501096342
Allstate1511055644
Direct Auto1541064541
Farmers1661145846
Travelers1681125747
Bristol West2171578270
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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Average Ohio car insurance rates by gender

Statistically, women tend to have fewer accidents and fewer incidents of driving under the influence than men. And when women do have car accidents, they tend to be less serious.[2] That’s why women generally pay less on average for full-coverage and liability-only insurance than men.

As the below table shows, men in Ohio pay more for full-coverage car insurance than women pay.

GenderAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Male$146$71
Female$138$66
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 Ohio car insurance rates by marital status

Your marital status can also affect how much you pay for car insurance. Married couples typically insure more than one car and bundle policies, which can give them a discount on their premiums. As the table below shows, married drivers pay less on average for liability-only coverage in Ohio.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyMarriedSingle
Mile Auto3439
State Farm3540
Hugo3844
Erie4047
Auto-Owners4047
Safeco4148
GEICO4451
USAA4552
Elephant5058
Midvale Home & Auto5058
American Family5058
Nationwide5260
Clearcover5361
Progressive5766
Commonwealth Casualty5968
Liberty Mutual6272
The General6778
GAINSCO6879
Dairyland7182
Direct Auto7688
Allstate7789
CSAA8294
Travelers8396
State Auto8396
Farmers8598
Foremost117135
Bristol West117135
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.

Average Ohio car insurance rates by driving record

Your driving record is one of the most important factors that insurers use to determine your insurance rates.[2]

“Having a bad driving record as a result of tickets, accidents, and serious offenses, such as a DUI, will also dramatically increase rates,” Yee explains.

If you have a DUI, you’ll pay the most for auto insurance — an average of $237 per month for full coverage in Ohio. In comparison, someone with a clean driving record would pay an average of $$AUTO_AVERAGE_FULL_STATE_OH} per month. The following table shows how different driving infractions can affect liability-only coverage rates in Ohio.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyClean RecordSpeeding TicketAt-Fault AccidentDUI
State Farm40515465
Hugo43605865
Erie46646674
Auto-Owners46616374
Safeco47657076
GEICO50656881
USAA51666982
Elephant57747892
Midvale Home & Auto57778392
American Family57757892
Nationwide59778195
Clearcover60809597
Progressive658793105
Commonwealth Casualty67849197
Liberty Mutual718688115
The General77102108124
GAINSCO7898104126
Dairyland81108112131
Direct Auto87118124128
Allstate88114119142
CSAA93124133138
Travelers95125130153
State Auto95137142153
Farmers97126131157
Bristol West133174178215
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.

Average Ohio car insurance rates by credit

A credit-based insurance score uses part of a driver’s credit history to determine how likely they are to file an insurance claim.

“Research has proven that credit scores can accurately predict the likelihood of insurance losses, so the better your credit score, the lower your auto insurance rates,” Yee says.

Ohio state law allows car insurance companies to consider credit information, but it can’t be the only factor the company uses when determining premiums.[4]

Insurance companies consider your credit-based insurance score in addition to other factors like your age, gender, and driving history. The table below shows the average rates of car insurance in Ohio based on credit tier. It’s worth noting that in Ohio, an excellent credit score — typically 800 or higher — could mean you pay as much as 67% less for car insurance than drivers with a poor credit score.

Quote Price by Credit Score

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.

Ohio minimum car insurance requirements

In Ohio, you must purchase car insurance before driving a motor vehicle, and you can’t let anyone else drive your car unless they have insurance. Ohio requires the following minimum insurance coverage:[5]

  • $25,00 per person for bodily injury liability

  • $50,000 per accident for bodily injury liability

  • $25,000 per accident for property damage liability

You must be able to show proof of insurance at traffic stops, car accidents, and during vehicle inspections. To demonstrate proof of insurance, you’ll need a certificate of proof of financial responsibility on a form prescribed by the Ohio Bureau of Motor Vehicles (BMV).[5]

Keep in mind, you may want to purchase more than the minimum car insurance requirements. Having additional insurance coverage can protect you and your assets if you’re involved in a serious auto accident.

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Ohio car insurance FAQs

Here are answers to some common questions about auto insurance in Ohio.

  • What is the average cost of car insurance in Ohio?

    The average cost of car insurance in Ohio is $141 per month for full coverage and $68 per month for liability-only coverage.

  • What factors affect car insurance costs in Ohio?

    Factors like your age, gender, marital status, and credit score can all affect how much you pay for auto insurance in Ohio. For instance, young drivers can expect to pay more for insurance, while older, more experienced drivers will likely receive lower rates.

    The city you live in also affects your car insurance costs. If you live in an area with high rates of crime or vandalism, you’ll pay more for insurance.[2] Since insurers calculate their rates differently, the insurance company you choose will affect your premiums.

  • Do car insurance rates vary by county in Ohio?

    Yes, drivers who live in Canton and Dayton will pay the least for full-coverage auto insurance, while drivers living in Toledo and Cincinnati will pay the most. Your rates can vary by ZIP code since insurers consider factors like crime, population, and weather patterns.[2]

  • What are the best auto insurance companies in Ohio?

    The cheapest car insurance companies in Ohio are State Farm and Erie, offering liability-only coverage less than $100 a month on average. However, the best car insurance company for you depends on your coverage needs and personal budget. Shop around and compare quotes from at least three companies to find the best deal for you.

  • Is car insurance required in Ohio?

    Yes, car insurance is required in Ohio, and you must be able to show proof of insurance at any traffic stops, car accidents, and vehicle inspections. The following minimum coverage is required:[5]

    • $25,00 per person for bodily injury liability

    • $50,000 per accident for bodily injury liability

    • $25,000 per accident for property damage liability

Sources

  1. Ohio Department of Public Safety. "Statewide Crash Statistics." Accessed October 31, 2023
  2. III. "What determines the price of an auto insurance policy?." Accessed March 15, 2023
  3. III. "Auto insurance for teen drivers." Accessed March 15, 2023
  4. Ohio Department of Insurance. "How Credit Information Can Impact Insurance Premium Amounts." Accessed March 15, 2023
  5. Ohio Bureau of Motor Vehicles. "Mandatory Insurance." Accessed March 15, 2023
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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