Average Car Insurance Cost in Ohio (2024)
Drivers in Ohio pay $145 a month on average for full-coverage car insurance.
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Written byJamie Johnson
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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 MikulskiSenior Editor, Auto
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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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Updated October 30, 2024
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Table of contents
Ohio drivers pay an average of $74 per month for liability-only car insurance, and $145 on average each month for full coverage. By comparison, the national average costs of liability and full-coverage car insurance are $104 and $211, 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 $1,737.
Liability-only car insurance in Ohio costs an average of $882 per year.
Mile Auto, State Farm, and Auto-Owners are the cheapest insurers in Ohio.
What’s the average cost of car insurance in Ohio?
Ohio drivers pay an average of $145 per month for full-coverage insurance and $74 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.
City ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Cincinnati | $180 | $85 |
| Cleveland | $184 | $90 |
| Columbus | $184 | $92 |
| Dayton | $167 | $78 |
| Hamilton | $165 | $82 |
| Springfield | $132 | $65 |
| Toledo | $192 | $94 |
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.
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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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $53 | $36 |
| State Farm | $69 | $38 |
| Auto-Owners | $80 | $44 |
| Erie | $80 | $44 |
| GEICO | $87 | $48 |
| USAA | $89 | $49 |
| Elephant | $90 | $58 |
| Safeco | $92 | $58 |
| American Family | $99 | $55 |
| Nationwide | $102 | $57 |
| Progressive | $113 | $63 |
| Root | $124 | $78 |
| Direct Auto | $138 | $83 |
| National General | $142 | $94 |
| The General | $143 | $68 |
| Clearcover | $146 | $75 |
| CSAA | $146 | $85 |
| Liberty Mutual | $152 | $81 |
| Allstate | $152 | $84 |
| Travelers | $164 | $91 |
| Farmers | $169 | $93 |
| State Auto | $184 | $128 |
| GAINSCO | $189 | $96 |
| Commonwealth Casualty | $191 | $75 |
| Dairyland | $211 | $80 |
| Bristol West | $236 | $103 |
| Foremost | $314 | $143 |
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 $202 per month for auto insurance in Ohio, while drivers in their 40s can expect to pay an average of $96 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Teens ▲▼ | Young Drivers ▲▼ | Middle Aged ▲▼ | Seniors ▲▼ |
|---|---|---|---|---|
| State Farm | $67 | $48 | $26 | $18 |
| Mile Auto | $72 | $46 | $23 | $18 |
| Erie | $76 | $55 | $28 | $21 |
| Auto-Owners | $77 | $57 | $31 | $22 |
| GEICO | $79 | $60 | $35 | $25 |
| USAA | $84 | $62 | $33 | $27 |
| Elephant | $98 | $70 | $40 | $34 |
| American Family | $98 | $63 | $38 | $27 |
| Nationwide | $102 | $71 | $36 | $26 |
| The General | $112 | $85 | $44 | $39 |
| Progressive | $116 | $76 | $40 | $26 |
| Safeco | $119 | $70 | $47 | $36 |
| Root | $122 | $95 | $59 | $47 |
| Commonwealth Casualty | $135 | $93 | $45 | $45 |
| Dairyland | $136 | $97 | $53 | $44 |
| CSAA | $143 | $103 | $64 | $41 |
| Clearcover | $148 | $92 | $55 | $45 |
| Liberty Mutual | $148 | $97 | $65 | $47 |
| Allstate | $153 | $105 | $60 | $45 |
| Direct Auto | $156 | $105 | $56 | $44 |
| Farmers | $168 | $114 | $62 | $46 |
| Travelers | $169 | $112 | $61 | $47 |
| GAINSCO | $173 | $116 | $67 | $62 |
| Bristol West | $180 | $127 | $71 | $57 |
| Hugo | $189 | $129 | $97 | $62 |
| National General | $190 | $120 | $59 | $49 |
| State Auto | $235 | $161 | $90 | $62 |
| Foremost | $262 | $184 | $100 | $79 |
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.
Cheapest recent rates in Ohio
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $32/mo for full coverage in Ohio.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 | $149 | $76 |
| Female | $142 | $72 |
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Married ▲▼ | Single ▲▼ |
|---|---|---|
| Mile Auto | $34 | $36 |
| State Farm | $36 | $38 |
| Auto-Owners | $42 | $44 |
| Erie | $42 | $44 |
| GEICO | $46 | $48 |
| USAA | $47 | $49 |
| American Family | $52 | $55 |
| Nationwide | $54 | $57 |
| Elephant | $55 | $58 |
| Safeco | $55 | $58 |
| Progressive | $60 | $63 |
| The General | $65 | $68 |
| Clearcover | $71 | $75 |
| Commonwealth Casualty | $71 | $75 |
| Root | $74 | $78 |
| Dairyland | $76 | $80 |
| Liberty Mutual | $77 | $81 |
| Direct Auto | $79 | $83 |
| Allstate | $80 | $84 |
| CSAA | $81 | $85 |
| Travelers | $87 | $91 |
| Farmers | $89 | $93 |
| National General | $90 | $94 |
| GAINSCO | $91 | $96 |
| Bristol West | $98 | $103 |
| Hugo | $107 | $112 |
| State Auto | $122 | $128 |
| Foremost | $136 | $143 |
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 $246 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | Speeding Ticket ▲▼ | At-Fault Accident ▲▼ | DUI ▲▼ |
|---|---|---|---|---|
| Mile Auto | $36 | $49 | $52 | $60 |
| State Farm | $38 | $50 | $52 | $64 |
| Auto-Owners | $44 | $59 | $61 | $74 |
| Erie | $44 | $60 | $62 | $74 |
| GEICO | $48 | $64 | $66 | $80 |
| USAA | $49 | $65 | $68 | $82 |
| American Family | $55 | $73 | $76 | $92 |
| Nationwide | $57 | $77 | $79 | $95 |
| Elephant | $58 | $83 | $78 | $97 |
| Safeco | $58 | $78 | $78 | $97 |
| Progressive | $63 | $84 | $88 | $105 |
| The General | $68 | $92 | $95 | $114 |
| Clearcover | $75 | $101 | $111 | $126 |
| Commonwealth Casualty | $75 | $108 | $101 | $126 |
| Root | $78 | $111 | $114 | $131 |
| Dairyland | $80 | $107 | $110 | $134 |
| Liberty Mutual | $81 | $117 | $119 | $136 |
| Direct Auto | $83 | $110 | $117 | $139 |
| Allstate | $84 | $112 | $116 | $141 |
| CSAA | $85 | $116 | $122 | $142 |
| Travelers | $91 | $122 | $126 | $152 |
| Farmers | $93 | $123 | $128 | $156 |
| National General | $94 | $126 | $130 | $157 |
| GAINSCO | $96 | $138 | $127 | $161 |
| Bristol West | $103 | $137 | $141 | $172 |
| Hugo | $112 | $148 | $165 | $187 |
| State Auto | $128 | $185 | $193 | $214 |
| Foremost | $143 | $206 | $211 | $239 |
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 $145 per month for full coverage and $74 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
Related articles
More cities in Ohio
Sources
- Ohio Department of Public Safety. "Statewide Crash Statistics."
- III. "What determines the price of an auto insurance policy?."
- III. "Auto insurance for teen drivers."
- Ohio Department of Insurance. "How Credit Information Can Impact Insurance Premium Amounts."
- Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
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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 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.
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