Best homeowners insurance companies in Ohio: Travelers
The best home insurance company in Ohio for 2026 is Travelers. Auto-Owners, Allstate, State Farm, and Farmers are also among the top home insurance companies in Ohio based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance companies in Ohio: Allstate
Below are Ohio home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, Travelers has the most affordable rates for all dwelling coverages except the highest dwelling coverage of $1,000,000 in every category. USAA offers the cheapest home insurance, but only to military veterans and their families.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $1,641 | $1,850 | $2,132 | $2,835 | $4,070 |
| American Family | $2,124 | $2,640 | $3,142 | $4,117 | $5,609 |
| Auto-Owners | $1,641 | $2,180 | $2,682 | $3,417 | $4,899 |
| Erie Insurance | $1,868 | $2,580 | $3,263 | $4,526 | $6,752 |
| Farmers | $1,500 | $1,979 | $2,562 | $4,025 | $6,276 |
| Grange Insurance | $2,567 | $3,252 | $4,005 | $5,338 | $7,263 |
| Nationwide | $2,255 | $2,553 | $3,062 | $4,032 | $5,882 |
| State Farm | $1,653 | $2,060 | $2,318 | $2,993 | $4,006 |
| Travelers | $2,045 | $2,361 | $2,780 | $3,783 | $5,542 |
| USAA | $1,285 | $1,695 | $2,053 | $2,734 | $3,596 |
*USAA only provides coverage to military members, veterans, and their families.
Average home insurance cost in Ohio
The average cost of homeowners insurance in Ohio is $2,109 a year or $176 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Ohio homeowners insurance companies to get the best deal.
Ohio home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Ohio to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The Ohio Department of Insurance says...
Ohio has a fund to insure property that is in danger of sinking due to its proximity to an old coal mine. There are more than 4,000 abandoned coal mines in Ohio. All residential policies sold in mandatory coverage counties must protect against damage caused when an underground mine sinks (subsides).
The policy pays up to the home's insured value or $300,000, whichever is less, with you responsible for the deductible. The deductible is two percent of the insured value at a minimum of $250 and a maximum of $500. Contents, barns and other outbuildings are not covered.
The most expensive ZIP codes in Ohio for home insurance
Ohio homeowners insurance rates are the most expensive for ZIP code 45618, with an average annual cost of $2,559.
The most expensive ZIP codes in Ohio are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Cherry Fork | 45618 | $2,559 |
| Bentonville | 45105 | $2,515 |
| Bourneville | 45617 | $2,497 |
| Wakefield | 45687 | $2,497 |
| Stockdale | 45683 | $2,487 |
| Shandon | 45063 | $2,484 |
| Collinsville | 45004 | $2,484 |
| West Elkton | 45070 | $2,483 |
| Mowrystown | 45155 | $2,469 |
| Moraine | 45418 | $2,464 |
The least expensive ZIP codes in Ohio for home insurance
The cheapest ZIP codes for home insurance in Ohio are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| North Canton | 44720 | $1,790 |
| Massillon | 44647 | $1,803 |
| Morristown | 43759 | $1,807 |
| Canal Fulton | 44614 | $1,810 |
| Canton | 44721 | $1,819 |
| Adena | 43901 | $1,820 |
| Bridgeport | 43912 | $1,822 |
| Vincent | 45784 | $1,824 |
| Kent | 44243 | $1,824 |
| Blaine | 43909 | $1,825 |
Ohio homeowners insurance rates by county
Home insurance rates in Ohio vary by county. Take a look at the average rates by county in Ohio below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adams | $2,407 | $201 |
| Allen | $2,256 | $188 |
| Ashland | $2,007 | $167 |
| Ashtabula | $2,007 | $167 |
| Athens | $2,185 | $182 |
| Auglaize | $2,261 | $188 |
| Belmont | $1,865 | $155 |
| Brown | $2,286 | $190 |
| Butler | $2,322 | $193 |
| Carroll | $1,908 | $159 |
| Champaign | $2,163 | $180 |
| Clark | $2,141 | $178 |
| Clermont | $2,176 | $181 |
| Clinton | $2,271 | $189 |
| Columbiana | $1,895 | $158 |
| Coshocton | $1,933 | $161 |
| Crawford | $2,080 | $173 |
| Cuyahoga | $2,088 | $174 |
| Darke | $2,244 | $187 |
| Defiance | $2,175 | $181 |
| Delaware | $2,062 | $172 |
| Erie | $2,091 | $174 |
| Fairfield | $2,195 | $183 |
| Fayette | $2,272 | $189 |
| Franklin | $2,114 | $176 |
| Fulton | $2,129 | $177 |
| Gallia | $2,271 | $189 |
| Geauga | $1,961 | $163 |
| Greene | $2,207 | $184 |
| Guernsey | $1,968 | $164 |
| Hamilton | $2,168 | $181 |
| Hancock | $2,179 | $182 |
| Hardin | $2,170 | $181 |
| Harrison | $1,926 | $160 |
| Henry | $2,218 | $185 |
| Highland | $2,318 | $193 |
| Hocking | $2,284 | $190 |
| Holmes | $1,982 | $165 |
| Huron | $2,112 | $176 |
| Jackson | $2,356 | $196 |
| Jefferson | $1,896 | $158 |
| Knox | $2,110 | $176 |
| Lake | $1,970 | $164 |
| Lawrence | $2,308 | $192 |
| Licking | $2,113 | $176 |
| Logan | $2,164 | $180 |
| Lorain | $2,066 | $172 |
| Lucas | $2,199 | $183 |
| Madison | $2,208 | $184 |
| Mahoning | $1,937 | $161 |
| Marion | $2,153 | $179 |
| Medina | $1,975 | $165 |
| Meigs | $2,231 | $186 |
| Mercer | $2,243 | $187 |
| Miami | $2,187 | $182 |
| Monroe | $1,882 | $157 |
| Montgomery | $2,273 | $189 |
| Morgan | $2,067 | $172 |
| Morrow | $2,145 | $179 |
| Muskingum | $1,992 | $166 |
| Noble | $1,969 | $164 |
| Ottawa | $2,162 | $180 |
| Paulding | $2,200 | $183 |
| Perry | $2,145 | $179 |
| Pickaway | $2,211 | $184 |
| Pike | $2,411 | $201 |
| Portage | $1,905 | $159 |
| Preble | $2,299 | $192 |
| Putnam | $2,246 | $187 |
| Richland | $2,063 | $172 |
| Ross | $2,365 | $197 |
| Sandusky | $2,140 | $178 |
| Scioto | $2,352 | $196 |
| Seneca | $2,114 | $176 |
| Shelby | $2,240 | $187 |
| Stark | $1,876 | $156 |
| Summit | $1,952 | $163 |
| Trumbull | $1,920 | $160 |
| Tuscarawas | $1,917 | $160 |
| Union | $2,085 | $174 |
| Van Wert | $2,328 | $194 |
| Vinton | $2,357 | $196 |
| Warren | $2,222 | $185 |
| Washington | $1,929 | $161 |
| Wayne | $1,928 | $161 |
| Williams | $2,113 | $176 |
| Wood | $2,160 | $180 |
| Wyandot | $2,144 | $179 |
Compare homeowners insurance rates by city in Ohio
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 insurance companies across 34,588 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: Ohio homeowners insurance
Do I need flood insurance in Ohio?
Flood insurance is not part of a normal home insurance policy. Instead, you need to buy a separate policy through the National Flood Insurance Program (NFIP) or an insurer that works with NFIP. If you live in a high-risk area, your mortgage company might require you to buy a flood insurance policy.
How can I get cheaper home insurance in Ohio?
Shopping around is the best way to save on home insurance. In addition to comparing rates at least once a year and maintaining good credit, you should maintain your home to decrease the chance of filing a claim. You can also raise your deductible to get lower rates as long as you can afford the higher amount if you file a claim.
What if I can’t get Ohio home insurance?
The Ohio FAIR Plan Underwriting Association will help if you can't find home insurance. The FAIR Plan is similar to any other home insurance policy. A FAIR Plan covers you for fire, vandalism and other damages. An Ohio insurance company will be assigned to cover your home; bear in mind this is the option of last resort and can be expensive.
How do I file a complaint against my insurance company in Ohio?
If you need to file a complaint, contact the Ohio Department of Insurance Consumer Services Division at 1-800-686-1526. A representative will discuss your insurance rights and how to file a complaint.
If you prefer, you can file a complaint online. If you prefer to file by mail, call the number above and request a hard copy of the complaint form.
Mail complaints to:
Ohio Department of Insurance
Consumer Services Division
50 West Town Street
Third Floor/Suite 300
Columbus, OH, 43215
How long does the home insurance company have to settle a claim in Ohio?
The insurance company has 15 days to acknowledge receipt of your claim, another 21 days to approve. It has 10 more days to pay an approved claim.
Compare Ohio homeowners insurance rates with other states
