- How much is car insurance in Ohio?
- Ohio car insurance rates by company
- Ohio car insurance costs by coverage level
- Ohio car insurance by driver profile
- Ohio car insurance rates by age group
- How much does car insurance cost in Ohio per month?
- Ohio car insurance discounts
- Car insurance requirements in Ohio
- Car insurance rates in Ohio by model year
- Compare auto insurance rates by city in Ohio
- Car insurance premium trends in Ohio
- Methodology
- Compare Ohio car insurance rates with other states
How much is car insurance in Ohio?
The average cost of full coverage car insurance in Ohio is $1,417 per year. But these rates can differ depending on factors like your age, the coverage you choose, your driving record and the type of car you drive.
For example, younger drivers usually pay more for car insurance, and people with bad driving records do, too.
Ohio drivers who choose to carry only the minimum car insurance will pay $362 on average. But this doesn't include collision or comprehensive coverage, so if you cause an accident, you'd have to pay for damage to your own car yourself.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $1,417 |
| Average monthly premium | $118 |
Ohio car insurance rates by company
Every car insurance company uses its own criteria for determining rates. For example, while some emphasize age, others look closely at driving records. Because of this, Ohio car insurance rates vary significantly from company to company.
On average, Grange Insurance has the lowest car insurance rates in Ohio. The table below shows average car insurance rates in Ohio from top-rated companies for different coverage levels.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Grange Insurance | $182 | $248 | $986 |
| Erie Insurance | $226 | $273 | $1,132 |
| Auto-Owners | $235 | $289 | $1,109 |
| Westfield Insurance | $325 | $385 | $1,673 |
| Travelers | $380 | $467 | $1,336 |
| Cincinnati Insurance | $404 | $483 | $1,624 |
| GEICO | $421 | $532 | $1,373 |
| Progressive | $452 | $533 | $1,626 |
| Farmers | $554 | $771 | $1,794 |
| Allstate | $582 | $651 | $1,942 |
| USAA | $218 | $271 | $994 |
Ohio car insurance costs by coverage level
Generally, Ohio minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Ohio car insurance costs based on coverage level below.
| State minimum car insurance | $362 |
| Liability-only car insurance | $446 |
| Full coverage car insurance | $1,417 |
Ohio car insurance by driver profile
Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.
In most states, your credit history also affects how much you pay for car insurance. Studies show that drivers with lower credit scores are more likely to file a claim instead of paying for damages themselves.
In Ohio, drivers with Bad credit pay the highest rates. This table shows average car insurance rates in Ohio for other driver profiles.;
| Profile groups | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-fault accident | $1,417 | $2,385 | $968 | 68% |
| Bad credit | $1,417 | $2,758 | $1,341 | 95% |
| Careless driving | $1,417 | $2,206 | $789 | 56% |
| Claims | $1,417 | $1,571 | $154 | 11% |
| DUI | $1,417 | $2,522 | $1,105 | 78% |
| Reckless driving | $1,417 | $2,564 | $1,147 | 81% |
| Speeding | $1,417 | $2,093 | $676 | 48% |
| Texting ticket | $1,417 | $1,916 | $499 | 35% |
Ohio car insurance rates by age group
Age has a big effect on car insurance rates. In Ohio, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Ohio based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $4,697 |
| Young Adults (20-24) | $2,276 |
| Adults (25-60) | $1,426 |
| Seniors (65-75) | $1,433 |
How much does car insurance cost in Ohio per month?
The average monthly cost of car insurance in Ohio depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $30 |
| Liability Only - 50/100/50 BI/PD | $37 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $118 |
Ohio car insurance discounts
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Ohio, savings can be very different from one company to another.
Take a look at the car insurance discounts available in Ohio below and see the average amount you can save.
| Discount type | Premium before discount | Premium after discount | $ Saving |
|---|---|---|---|
| Air Bags | $1,895 | $1,886 | $9 |
| Anti-Theft Device | $1,895 | $1,866 | $29 |
| Daily Commute | $1,895 | $1,761 | $134 |
| Days Advanced Purchase | $1,895 | $1,731 | $164 |
| Days Per Week Driven | $1,895 | $1,777 | $118 |
| Education | $1,895 | $1,837 | $58 |
| Electronic Funds Transfer | $1,895 | $1,811 | $84 |
| Homeowner | $1,895 | $1,808 | $87 |
| Lower Annual Mileage | $1,895 | $1,810 | $85 |
| Loyalty - Years Renewal With Company | $1,895 | $1,734 | $161 |
| Marital Status | $1,895 | $1,767 | $128 |
| Multi Policy | $1,895 | $1,735 | $160 |
| Paperless/Electornic Documents | $1,895 | $1,810 | $85 |
| Payment Type | $1,895 | $1,736 | $159 |
| Primary Use | $1,895 | $1,711 | $184 |
| Profession | $1,895 | $1,673 | $222 |
| Safety Devices | $1,895 | $1,833 | $62 |
| Telematics | $1,895 | $1,683 | $212 |
| Years Insured | $1,895 | $1,600 | $295 |
| Years Licensed | $1,895 | $1,302 | $593 |
Car insurance requirements in Ohio
Ohio requires drivers to have a minimum amount of car insurance, including:
- 25/50/25 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Ohio is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State minimum requirements | 25/50/25 |
| State minimum car insurance | $362 |
| Liability-only car insurance | $446 |
| Full coverage car insurance | $1,417 |
Car insurance rates in Ohio by model year
The vehicle you drive also affects Ohio car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Ohio car insurance rates below.
| Company | Style | Average annual premium |
|---|---|---|
| GEICO | 2WD 4 Door Sedan Automatic Turbo | $1,091 |
| Nationwide | 2WD 4 Door Sedan Automatic Turbo | $1,458 |
| Progressive | 2WD 4 Door Sedan Automatic Turbo | $1,529 |
| Farmers | 2WD 4 Door Sedan Automatic Turbo | $1,876 |
| Allstate | 2WD 4 Door Sedan Automatic Turbo | $2,092 |
Compare auto insurance rates by city in Ohio
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Ohio will impact what you pay. Below, we've gathered Ohio car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Cincinnati | $1,608 |
Cleveland | $1,643 |
Columbus | $1,597 |
Dayton | $1,476 |
Car insurance premium trends in Ohio
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Ohio to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
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