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.
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.
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Cheapest recent rates in Ohio
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $40/mo for full coverage in Ohio.
*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on May 6, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 6, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on May 6, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 6, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Ohio drivers pay an average of $71 per month for liability-only car insurance, and $156 on average each month for full coverage. By comparison, the national average costs of liability and full-coverage car insurance are $104 and $214, 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 $1,870.
Liability-only car insurance in Ohio costs an average of $852 per year.
Mile Auto, Hugo, and State Farm are the cheapest insurers in Ohio.
What’s the average cost of car insurance in Ohio?
Ohio drivers pay an average of $156 per month for full-coverage insurance and $71 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.
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 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Mile Auto
56
37
State Farm
71
39
Safeco
80
47
Erie
83
45
Auto-Owners
83
45
Elephant
83
58
Clearcover
88
55
GEICO
91
49
USAA
92
50
Nationwide
97
58
Midvale Home & Auto
98
56
American Family
103
56
Progressive
118
64
Hugo
119
39
Travelers
135
93
Liberty Mutual
135
72
National General
145
77
Direct Auto
152
85
GAINSCO
154
85
Allstate
157
86
The General
159
74
CSAA
163
91
Root
169
106
Commonwealth Casualty
172
72
Farmers
175
95
State Auto
188
106
Dairyland
207
79
Bristol West
260
124
Foremost
295
135
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 $197 per month for auto insurance in Ohio, while drivers in their 40s can expect to pay an average of $94 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Teens
Young Drivers
Middle Aged
Seniors
State Farm
65
48
24
17
Hugo
67
47
16
18
Mile Auto
70
45
20
18
Erie
74
55
25
20
GEICO
76
60
32
24
Auto-Owners
76
57
28
21
USAA
81
61
31
25
Elephant
94
68
36
30
Midvale Home & Auto
96
68
33
26
American Family
97
63
34
26
Nationwide
97
70
33
25
Safeco
98
56
33
25
Clearcover
105
66
35
30
Progressive
114
76
37
26
The General
118
90
43
42
Commonwealth Casualty
126
88
38
42
Dairyland
130
93
47
42
Liberty Mutual
132
86
48
35
National General
141
92
46
44
CSAA
147
107
62
43
Allstate
148
104
55
43
GAINSCO
150
101
49
50
Direct Auto
153
103
47
42
Root
159
125
71
60
Travelers
164
111
56
46
Farmers
165
112
57
45
State Auto
184
130
68
52
Bristol West
207
148
76
66
Foremost
235
168
81
69
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.
Gender
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
Male
$160
$73
Female
$153
$70
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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Married
Single
Mile Auto
33
37
Hugo
35
39
State Farm
35
39
Erie
41
45
Auto-Owners
41
45
Safeco
42
47
GEICO
44
49
USAA
45
50
Clearcover
50
55
American Family
51
56
Midvale Home & Auto
51
56
Nationwide
52
58
Elephant
52
58
Progressive
58
64
Liberty Mutual
65
72
Commonwealth Casualty
65
72
The General
67
74
National General
69
77
Dairyland
71
79
Direct Auto
77
86
GAINSCO
77
86
Allstate
78
87
CSAA
82
92
Travelers
84
94
Farmers
86
96
State Auto
96
107
Root
96
107
Bristol West
112
125
Foremost
122
136
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 $266 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: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Clean Record
Speeding Ticket
At-Fault Accident
DUI
Mile Auto
37
53
56
57
Hugo
39
54
52
66
State Farm
39
51
53
66
Erie
45
61
63
76
Auto-Owners
45
59
61
76
Safeco
47
63
62
79
GEICO
49
65
67
83
USAA
50
66
68
84
Clearcover
55
73
80
93
American Family
56
74
76
95
Midvale Home & Auto
56
76
81
95
Nationwide
58
77
80
98
Elephant
58
84
78
98
Progressive
64
85
89
108
Liberty Mutual
72
105
107
122
Commonwealth Casualty
72
105
97
122
The General
74
99
103
125
National General
77
112
104
130
Dairyland
79
105
108
133
Direct Auto
85
114
119
144
GAINSCO
85
124
113
144
Allstate
86
113
118
145
CSAA
91
123
130
154
Travelers
93
124
128
157
Farmers
95
125
129
161
State Auto
106
152
160
179
Root
106
148
154
179
Bristol West
124
162
167
210
Foremost
135
196
201
228
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]
$25,000 per accident for property damage liability
You must be able toshow 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 $156 per month for full coverage and $71 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
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.
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.