Auto-Owners is the best homeowners insurance company in Ohio, based on a 2023 analysis by Insurance.com, with an overall rating of 4.7. USAA is came in second, but is only available to military members, veterans and their families.
State Farm offers the cheapest home insurance in Ohio at all coverage levels.
With so many options out there, it is not easy to choose a homeowners insurance company in Ohio. You need a reliable company that will provide you with quality service at an affordable price. Read on for everything you need to know to choose the best home insurance for your needs.
Key takeaways
- The average home insurance cost in Ohio is $2,017 per year or $168 per month.
- State Farm is the cheapest home insurance company in Ohio at an average rate of $1,511 a year.
- Auto-Owners ranks the best home insurance company in Ohio for 2023.
How much is home insurance in Ohio?
The average cost of homeowners insurance in Ohio is $2,017 a year or $168 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.
Best homeowners insurance companies in Ohio
The best home insurance company in Ohio for 2023 is Auto-Owners, followed by USAA and Erie Insurance.
Below is a full list of the top Ohio insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
*USAA only provides coverage to military members, veterans, and their families.
Cheapest home insurance companies in Ohio
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 State Farm has the most affordable rates in every category.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| State Farm | $ 1,175 | $ 1,511 | $ 1,774 | $ 2,175 | $ 2,550 |
| Erie Insurance | $ 1,254 | $ 1,735 | $ 2,256 | $ 2,752 | $ 3,243 |
| Allstate | $ 1,270 | $ 1,495 | $ 1,818 | $ 2,178 | $ 2,532 |
| American Family | $ 1,292 | $ 1,602 | $ 1,902 | $ 2,197 | $ 2,480 |
| Auto-Owners | $ 1,324 | $ 1,656 | $ 2,010 | $ 2,365 | $ 2,622 |
| USAA | $ 1,345 | $ 1,681 | $ 1,955 | $ 2,206 | $ 2,442 |
| Nationwide | $ 1,487 | $ 1,942 | $ 2,392 | $ 2,845 | $ 3,321 |
| Grange Mutual | $ 1,557 | $ 1,936 | $ 2,339 | $ 2,801 | $ 3,352 |
| Farmers | $ 1,632 | $ 2,186 | $ 2,869 | $ 3,593 | $ 4,406 |
| Travelers | $ 5,592 | $ 5,965 | $ 7,024 | $ 8,133 | $ 8,865 |
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 CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
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 $2,628.
The most expensive ZIP codes in Ohio are:
| ZIP code | Average annual rates |
|---|---|
| 45657 | $ 2,628 |
| 45613 | $ 2,579 |
| 45684 | $ 2,579 |
| 45616 | $ 2,573 |
| 45648 | $ 2,566 |
| 45653 | $ 2,565 |
The least expensive ZIP codes in Ohio for home insurance
The cheapest ZIP codes for home insurance in Ohio are:
| ZIP code | Average annual rates |
|---|---|
| 44285 | $ 1,495 |
| 44652 | $ 1,503 |
| 44650 | $ 1,518 |
| 44660 | $ 1,519 |
| 44678 | $ 1,521 |
| 44659 | $ 1,523 |
Frequently asked questions about 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 home insurance 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 do file a claim.
What if I can’t get Ohio home insurance?
If you can't find home insurance, the Ohio FAIR Plan Underwriting Association will help you. 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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