How Much Is Car Insurance in Ohio? (November 2024)

Ohio drivers can expect to pay about $830 annually for full coverage car insurance, while minimum coverage costs around $363.

When setting rates, insurance companies consider age, chosen coverage level, location, driving record and credit history.

The average cost of full coverage car insurance in Ohio is $830 annually or roughly $69 monthly. Knowing the average prices helps you assess if you're getting a fair deal. Compare car insurance quotes to ensure you're paying the right amount.

Below is a breakdown of Ohio's car insurance monthly and annual expenses, from minimum to full coverage.

Car insurance costs in Ohio are lower than the national average. The average annual premium for minimum coverage is $363 compared to the national average of $628. Full coverage averages $830 annually, while the national average is $1,358.

Ohio's lower rates are due to a competitive insurance market, lower levels of traffic congestion, fewer costly natural disasters and fewer claims.

Car insurance premiums vary widely among companies, even within a state. In Ohio, American Family offers the most affordable full coverage at $486 annually, while Westfield has the highest premium at $1,040.

The cost of car insurance in Ohio is also determined by the coverage level selected. For example, the average monthly premium for minimum coverage is $30, whereas full coverage with a $1,000 deductible averages $69. Despite the higher cost, full coverage insurance is recommended because it provides more financial protection in the event of an accident.

By opting for comprehensive and collision coverage, premiums will increase, but selecting a higher deductible can mitigate these costs. The deductible amount, which is $1,000 for both comprehensive and collision coverages, must be paid for each separate claim.

In Ohio, the minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident. Uninsured/underinsured motorist coverage isn't required.

Car insurance premiums in Ohio vary by city. Columbus has the lowest full coverage rate at $917 per year, while Toledo's rate is higher at $1,044 annually. Factors affecting these costs include the driver's record, vehicle type, local claim frequency, traffic volume and weather risks.

In Ohio, younger drivers in their 20s generally face higher premiums, averaging $1,046 annually, due to less experience.

Rates decrease with age, with drivers between 30 and 59 paying about $830 annually. Seniors aged 60 and above typically enjoy the lowest rates, averaging $802 annually, as they're considered lower risk.

Age and gender affect car insurance rates in Ohio. A 16-year-old male driver added to a family policy averages $3,372 annually, the highest rate for teenage drivers.

Teenagers under 18 typically cannot buy their own insurance without a guardian — an individual policy for a 16-year-old male costs $6,136 per year.

The average annual cost of full coverage car insurance for a 2012 model is $775, while insuring a 2022 model costs $1,013. Higher premiums for newer cars reflect their increased actual cash value, higher repair costs and greater theft risk.

Newer vehicle owners should consider comprehensive and collision coverages to protect against various types of damage and save on unexpected repairs or theft.

Ohio drivers face different insurance costs based on their driving record:

• With a ticket: $1,047 per year; $87 per month
• With an at-fault accident: $1,287 per year; $107 per month
• With a DUI: $1,500 per year; $125 per month

The severity of driving violations affects premiums, with more severe violations leading to higher costs. A DUI can impact rates for at least three years, while less severe infractions like speeding tickets will stay on your record for a shorter time.

The average costs for various violations are sorted in the table below by coverage type and age group.

A credit score can significantly influence car insurance rates in Ohio, ranging from $680 for excellent credit to $1,622 for poor credit. Good credit is between 670 and 739 and can contribute to more affordable premiums, while lower scores may lead to higher costs.

Understanding these key factors can help you find more affordable car insurance in Ohio:

• Location: Urban areas often face higher insurance costs due to increased risks of theft and accidents. City dwellers might see higher premiums than rural drivers.
• Age and Driving Experience: Younger Ohio drivers, especially teens, typically incur higher insurance rates due to their lack of experience, which insurers view as a risk factor.
• Driving Record: A clean driving record can lower insurance costs. Ohio drivers with violations or accidents on their record are likely to face increased rates.
• Credit Score: Insurers in Ohio use credit scores to gauge risk. A higher credit score can lead to lower premiums.
• Vehicle Make and Model: High-performance or luxury vehicles can have higher premiums. Ohio drivers with modest, safer cars often enjoy better rates.
• Annual Mileage: Less time on the road means lower risk. Ohio motorists with low annual mileage may qualify for reduced insurance costs.
• Coverage Type: Choosing between minimum coverage and full coverage car insurance will affect your rate. Adding coverage with comprehensive insurance and collision insurance equates to a higher premium.
• Insurance History: Continuous insurance coverage can lead to better rates in Ohio. Gaps in coverage can make insurance more expensive when you reapply.
• Discounts: Ohio drivers can take advantage of various discounts insurers offer for things like bundling policies, installing anti-theft devices or completing defensive driving courses.
• Marital Status: Married drivers often see lower premiums as they're statistically less likely to file claims.

To find affordable car insurance in Ohio, compare quotes from different providers, choose a higher deductible and take advantage of all available discounts.

We offer insights into Ohio's average car insurance costs to help drivers find coverage that fits their needs and budget.