In Ohio, the average annual cost for full coverage car insurance is $830, while minimum coverage averages $363. These rates are $466 and $232 more affordable, respectively, than the national average, offering Ohioans a more budget-friendly insurance option.
Average Cost of Car Insurance in Ohio
Updated: December 24, 2024
Advertising & Editorial Disclosure
Key Takeaways
Drivers pay 36% less for full coverage car insurance compared to the national average.
Ohio residents pay 39% less for state minimum coverage than the national average.
The average cost for full coverage in the Buckeye State is $830 and $363 for minimum coverage, making it one of the more affordable states.
How Much Is Car Insurance in Ohio?
| Full Coverage | $830 | $1,296 | -36% |
| State Minimum Liability Only | $363 | $595 | -39% |
Read More: Average Cost of Car Insurance
Ohio Car Insurance Rates by Coverage Level
Your choice of coverage level changes your car insurance rate in Ohio. Higher liability limits and full coverage increase your rate, while a higher deductible may lower your premium. Here are the average rates for minimum and full coverage in Ohio, with different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,002 | $500 |
| 100/300/100 | Full Coverage | $929 | $0 |
| 300/500/300 | Full Coverage | $903 | $1,000 |
| State Minimum | Full Coverage | $863 | $500 |
| 300/500/300 | Full Coverage | $860 | $1,500 |
| 100/300/100 | Full Coverage | $830 | $1,000 |
| 100/300/100 | Full Coverage | $787 | $1,500 |
| State Minimum | Full Coverage | $764 | $1,000 |
| State Minimum | Full Coverage | $721 | $1,500 |
| 300/500/300 | Liability Only | $502 | $0 |
| 100/300/100 | Liability Only | $429 | $0 |
| State Minimum | Liability Only | $363 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Ohio Car Insurance Cost by City
Car insurance rates in Buckeye State cities can change because of crime, traffic jams, bad weather and repair costs. Akron offers an affordable annual full coverage at $918, while Cincinnati and Toledo are higher at $1,024 and $1,044, respectively. Check the table below to see how these rates compare against the Ohio average.
| Akron | $918 | -52% | $498 | -55% |
| Cincinnati | $1,024 | -46% | $558 | -49% |
| Cleveland | $937 | -51% | $511 | -53% |
| Columbus | $917 | -52% | $498 | -55% |
| Dayton | $933 | -51% | $499 | -54% |
| Toledo | $1,044 | -45% | $577 | -47% |
Average Ohio Car Insurance Cost by Age
In Ohio, age plays a significant role in car insurance costs, with younger drivers paying more due to their high-risk profile. On average, 25-year-olds pay 26% more for full coverage and 21% more for state minimum coverage than 40-year-olds and 18% more for both coverages than 65-year-olds.
| 25 | $1,046 | $441 |
| 40 | $830 | $363 |
| 65 | $802 | $374 |
In most states, age can affect the cost of car insurance. California, Massachusetts and Hawaii are exceptions.
Car Insurance Costs in Ohio for Young Drivers by Gender
In Ohio, young drivers face higher car insurance costs due to more accidents. Drivers aged 18 to 25 pay about $1560 per year when added to a family policy, which is 25% less than an individual policy at $1946.
Gender also impacts car insurance rates for young Ohioans. Females aged 18 to 25 pay around $1821 annually, 12% less compared to males who pay $2070. Below, find the average car insurance costs for individual and family policies for young drivers in Ohio, detailed by gender.
Car Insurance Costs in Ohio for Young Females
An 18-year-old female driver in Ohio typically adds $1,719 to a family car insurance policy. However, if she chooses an individual policy, her rate jumps to $3,146, a significant increase.
| 18 | $3,146 | $1,719 | -45% |
| 19 | $2,341 | $1,843 | -21% |
| 20 | $2,050 | $1,616 | -21% |
| 21 | $1,665 | $1,322 | -21% |
| 22 | $1,524 | $1,504 | -1% |
| 23 | $1,388 | $1,371 | -1% |
| 24 | $1,298 | $1,281 | -1% |
| 25 | $1,160 | $1,146 | -1% |
Car Insurance Costs in Ohio for Young Males
In Ohio, an 18-year-old female pays about $3,662 for full coverage on his own. Joining a family policy drops his rate to $2,011, saving 45% annually.
| 18 | $3,662 | $2,011 | -45% |
| 19 | $2,758 | $2,125 | -23% |
| 20 | $2,381 | $1,838 | -23% |
| 21 | $1,904 | $1,481 | -22% |
| 22 | $1,709 | $1,662 | -3% |
| 23 | $1,528 | $1,485 | -3% |
| 24 | $1,396 | $1,357 | -3% |
| 25 | $1,227 | $1,196 | -3% |
Average Ohio Car Insurance Cost by Driving Record
In Ohio, traffic offenses can hike your car insurance premium by a notable percentage. For instance, causing an accident may raise full coverage to $1,287 and minimum coverage to $570. A DUI offense could increase full coverage to $1,500 and minimum coverage to $667. Even a single ticket can lead to full coverage costing around $1,047 and minimum coverage at $455. Below, we delve into how these rates for driving offenses compare against the average rate for Ohioans with no violations.
| At-Fault Accident | $1,287 | -33% | $570 | -48% |
| DUI | $1,500 | -21% | $667 | -39% |
| Ticket | $1,047 | -45% | $455 | -59% |
Read More: High-Risk Car Insurance in Ohio
Average Ohio Car Insurance Cost by Credit Score
Your credit-based insurance score plays a part in how much you pay for car insurance in the Buckeye State. On average, full coverage annual premiums cost about $811 for drivers with excellent credit but jump to $1,949 if your credit is poor.
| Excellent | $811 | -57% | $363 | -67% |
| Good | $1,023 | -46% | $455 | -58% |
| Fair | $1,269 | -34% | $568 | -48% |
| Below Fair | $1,537 | -19% | $693 | -37% |
| Poor | $1,949 | 2% | $856 | -22% |
CREDIT SCORES AND YOUR PREMIUM
A credit score of 670 to 739 indicates financial reliability, potentially reducing insurance costs for Ohio drivers. However, Hawaii, Massachusetts, Maryland, California and Michigan prohibit using credit-based scores for insurance pricing. In contrast, states like North Carolina, Oregon, Washington, Utah and Nevada allow credit consideration only under certain conditions.
Average Ohio Car Insurance Cost by Company
Car insurance costs can vary from one company to another, even in the same place. In Ohio, American Family offers the most affordable average yearly full coverage at $486. On the other hand, Westfield's average is the highest at $1,040.
| American Family | $486 | $249 |
| Nationwide | $490 | $226 |
| GEICO | $733 | $334 |
| Auto-Owners Insurance Co | $769 | $305 |
| Travelers | $815 | $383 |
| Grange Insurance | $819 | $408 |
| Erie | $870 | $323 |
| Farmers | $958 | $498 |
| Cincinnati Insurance | $969 | $436 |
| Allstate | $988 | $598 |
| Progressive | $1,018 | $319 |
| Westfield | $1,040 | $279 |
Read More: Cheapest Car Insurance Companies in Ohio
Average Ohio Car Insurance Cost by Vehicle Age
In Ohio, insuring a new car costs more, with full coverage averaging $1,013 yearly. A 10-year-old car is cheaper to cover at $775 annually.
| 10-Year-Old Vehicle | $775 | $407 |
| New Model Vehicle | $1,013 | $437 |
ACTUAL CASH VALUE
The actual cash value (ACV) is the assessed worth of your car before damage as determined by your insurer. In cases of comprehensive or collision claims, the ACV sets the upper limit for repairs or replacement costs after deducting any applicable deductible. This ensures the settlement aligns with the vehicle's fair market value.
Read More: Used Car Insurance
Ohio Car Insurance Rates Explained
Ohio's car insurance rates are often more affordable than the national average. Factors like your credit-based insurance score and the type of car you drive impact the price for full coverage and state minimum policies.
Is Car Insurance Expensive in Ohio?
Car insurance in Ohio is affordable, with an average full coverage monthly cost of $69. Ohioans pay about 36% less for full coverage than the national average.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Ohio vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Ohio Average Cost
Full Coverage Car Insurance
$69OH Car Insurance Is Expensive:$39 saved
This is 36% less expensive.
Why Are Car Insurance Rates Expensive in Ohio?
Ohio's car insurance rates reflect its dense cities and severe weather, leading to more claims and higher costs. The Buckeye State's legal requirements for minimum coverage also affect the rates. Choose an affordable plan that balances cost with your needs.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Ohio
Ohio's average car insurance rates reflect broad factors like demographics and the law, but your price hinges on personal details. Consider your driving record, car model and coverage needs to estimate your costs.
Driving Record
Ensuring a spotless driving record by avoiding traffic violations can lead to lower insurance premiums, as insurers view you as a lower-risk driver.
Age and Gender
Younger drivers typically face higher rates due to inexperience. Males may pay more than females. Drivers can't change these factors but should be aware of their impact.
Credit Score
A higher credit score can result in more favorable car insurance rates. Pay bills on time and reduce debt to improve your credit history.
Vehicle Type
Selecting a car with a strong safety record and low repair costs can help reduce insurance rates. Avoid high-performance or luxury vehicles that are costly to insure.
Location Within Ohio
Living in areas with lower crime rates and less traffic can lead to more affordable car insurance due to decreased risks of theft and accidents.
Coverage Level
Opt for higher deductibles to lower premium costs, but ensure you have enough coverage to protect against significant financial loss in the event of an accident.
Marital Status
Married couples often receive lower insurance rates as they are statistically seen as more stable and risk-averse by insurers.
State Law
Ohio law requires certain minimum insurance coverages. Understanding these can help you make informed decisions about additional coverage that might be cost-effective.
Read More: Ohio Car Insurance Calculator
Minimum Car Insurance in Ohio
Ohio's average cost for state minimum car insurance is $363, well below the national average of $595. Ohioans find this minimum coverage more affordable than full coverage due to lower liability limits.
Ohio Car Insurance Requirements
Ohio's minimum car insurance includes $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage.
Liability Limits | Description |
|---|---|
$25,000 for bodily injury liability per person | Bodily injury liability per person covers medical expenses if you're at fault |
$50,000 for bodily injury liability per accident | Bodily injury liability per accident ensures coverage for multiple injured parties |
$25,000 for property damage liability per accident | Property damage liability per accident covers repairs to others' property |
How to Lower Car Insurance Costs in Ohio
To save on Ohio car insurance, compare rates, increase deductibles and take advantage of discounts.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help you find the cheapest car insurance in the Buckeye State, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
A better credit score or a clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums because insurers view you as low-risk.
- 3
Adjust Your Coverage
Reviewing coverage needs can help ensure you're paying only for the needed coverage. For example, increasing deductibles can lower costs, and usage-based policies can benefit low-mileage drivers.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a state-approved defensive driving course and bundling policies, as these can lead to drastically lower premiums.
- 5
Consider the Car You Drive
Driving a car that's less expensive to insure, such as one with good safety ratings, can lead to lower insurance costs in the Buckeye State.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Ohio: Bottom Line
Ohioans pay around $830 yearly for full coverage car insurance, well below the national average of $1,296. Your car insurance rate can change based on factors like your driving history and the car you drive. Overall, the Buckeye State is an affordable place to get car insurance compared to other states.
Ohio Car Insurance Rates: FAQ
Discover what affects car insurance costs in the Buckeye State. Learn how to find affordable rates easily.
What are the minimum car insurance requirements in Ohio?
In Ohio, the minimum car insurance requirements include bodily injury liability of $25,000 per person and $50,000 per accident, alongside property damage liability of $25,000 per accident.
What is the average cost of full coverage and minimum coverage auto insurance in Ohio?
In Ohio, the average annual cost for state minimum auto insurance is $363, while full coverage averages $830. Both rates are lower compared to the national averages
What is the average cost of car insurance for a 25-year-old in Ohio?
The average cost for full coverage car insurance for a 25-year-old in Ohio is $1,046, while state minimum coverage averages $441.
What are the cheapest car insurance companies in Ohio?
The most affordable car insurance in Ohio is from American Family, with an annual premium of $486 for full coverage and $249 for minimum coverage.
Ohio Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Ohio:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage and a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Ohio:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.