The cost of car insurance in Ohio varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Grange Mutual offers the cheapest rates at $986 a year for full coverage.
This comprehensive guide to buying car insurance for Ohio drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Ohio works and how much insurance you need.
- Grange Mutual provides the most affordable annual rates for full coverage car insurance in Ohio, costing $986 per year.
- In Ohio, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Ohio costs around $362 annually for limits of 25/50/25, while liability-only coverage costs $446 per year for limits of 50/100/50.
- In Ohio, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 32%, a DUI raising rates by 52%, and an at-fault accident by up to 50%.
How much is car insurance in Ohio?
In Ohio, drivers pay an average of $118 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Ohio by coverage level
In Ohio, car insurance rates can differ depending on how much coverage you choose. Drivers in Ohio are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Ohio car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $30 | $362 |
| Liability Only – 50/100/50 BI/PD | $37 | $446 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $118 | $1,417 |
State minimum car insurance in Ohio
In Ohio, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
In Ohio, you can get state minimum car insurance for $362 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Ohio must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Ohio
According to CarInsurance.com data, liability-only car insurance costs $446 in Ohio for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Ohio
On average, premiums for full coverage car insurance in Ohio cost $1,417 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Ohio
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in Ohio have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Ohio car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Ohio by car model
In Ohio, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Ohio.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Ohio
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Ohio, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,384 annually.
Drivers aged 16-19 pay $3,313 more for car insurance than Ohio drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,697 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,183 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,384 annually in Ohio.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,433 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Ohio
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Ohio can increase your premiums by up to 52% because insurers see you as a risky driver.
If you receive a speeding ticket in Ohio, be prepared for your car insurance rates to rise by up to 32% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Here is how much your car insurance rate increases in Ohio after driving incidents:
- Speeding ticket: Up to 32% increase
- DUI conviction: 52% increase
- At-fault accident (bodily injury and property damage): 50% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Ohio for high-risk drivers
In Ohio, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Erie Insurance | $1,395 |
| USAA | $1,520 |
| Auto-Owners | $1,608 |
| Travelers | $2,045 |
| Geico | $2,796 |
| Progressive | $2,844 |
| Allstate | $3,074 |
| Farmers | $3,525 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Ohio
In Ohio, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Start your search for the best car insurance policy in Ohio by getting quotes from several insurers for comparison.
Below are the details of Ohio car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Grange Mutual | $182 | $248 | $986 |
| Auto-Owners | $235 | $289 | $1,109 |
| Erie Insurance | $226 | $273 | $1,132 |
| Travelers | $380 | $467 | $1,336 |
| Geico | $421 | $532 | $1,373 |
| Cincinnati Insurance | $404 | $483 | $1,624 |
| Progressive | $452 | $533 | $1,626 |
| Westfield Insurance | $325 | $385 | $1,673 |
| Farmers | $554 | $771 | $1,794 |
| Allstate | $582 | $651 | $1,942 |
| USAA | $218 | $271 | $994 |
Car insurance rates by city in Ohio
Cleveland is the most expensive city in Ohio, with an average car insurance rate of $1,643 a year. Fremont is the cheapest city for Ohio drivers at an average rate of $1,183 annually.
Car insurance rates vary by city in Ohio for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
The table below shows the average annual car insurance premiums for Ohio’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,054 |
| Grange Insurance | $1,094 |
| Auto-Owners | $1,251 |
| Erie Insurance | $1,260 |
| Travelers | $1,568 |
| Progressive | $1,724 |
| Geico | $1,746 |
| Westfield Insurance | $1,759 |
| Cincinnati Insurance | $1,892 |
| Farmers | $2,064 |
| Allstate | $2,281 |
How much does car insurance cost in Ohio per month?
Car insurance in Ohio costs an average of $118 a month for a full coverage policy with limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $30 |
| Liability Only – 50/100/50 BI/PD | $37 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $118 |
Final thoughts on choosing car insurance in Ohio
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Ohio. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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