Best homeowners insurance companies in Ohio: Erie Insurance

The best home insurance company in Ohio for 2024 is Erie Insurance. Auto-Owners, State Farm, American Familyand Nationwide are among the top home insurance companies in Ohio based on price, NAIC complaints, and AM Best financial ratings.

The total score is calculated out of five using these factors.

Best home insurance in Ohio
CompanyAM BestNAIC complaint scoreAverage annual rate
Erie InsuranceA+0.524.72$1,885
State FarmA++0.834.23$1,807
American FamilyA0.803.73$1,893
Data refreshed as of May 2024

Cheapest home insurance companies in Ohio: Auto-Owners

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, you’ll see Auto-Owners 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.

Cheapest home insurance in Ohio
State Farm$1,484$1,807$2,014$2,539$3,496
Erie Insurance$1,355$1,885$2,397$3,349$5,349
American Family$1,518$1,893$2,254$2,951$4,229
Grange Mutual$1,740$2,279$2,801$3,667$5,137

*USAA only provides coverage to military members, veterans, and their families.

Data refreshed as of May 2024

Average home insurance cost in Ohio

The average cost of homeowners insurance in Ohio is $2,160 a year or $180 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

Average home insurance rates in Texas
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77586El Lago$9,906

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of May 2024

The most expensive ZIP codes in Ohio for home insurance 

Ohio homeowners insurance rates are the most expensive for ZIP code is 45657, with an average annual cost of $2,746.

The most expensive ZIP codes in Ohio are:

ZIP codeAverage annual rate
Data refreshed as of May 2024

The least expensive ZIP codes in Ohio for home insurance

The cheapest ZIP codes for home insurance in Ohio are:

ZIP codeAverage annual rate
Data refreshed as of May 2024

Home insurance FAQs

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. or reject the claim, and then another 10 days to make issue payment on an approved claim.

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