Ohio drivers pay an average of $990 per year for full coverage car insurance and $484 for minimum coverage. These rates are based on a 40-year-old driver with good credit and a clean driving record, so your actual costs will vary based on your personal details.
Average Cost of Car Insurance in Ohio
Updated: August 19, 2025
Advertising & Editorial Disclosure
Key Takeaways
Car insurance costs can range anywhere from $484 to $5,211 per year on average in Ohio depending on your chosen coverage, driving profile and location.
With rankings of 12th for minimum coverage and 7th for full coverage, Ohio offers some of the most budget-friendly car insurance rates in the nation.
Find the cheapest car insurance in Ohio by deciding on coverage beforehand, researching costs and companies, and comparing multiple quotes.
Average Car Insurance Cost In Ohio
| Full Coverage | $83 | $990 |
| Minimum Coverage | $40 | $484 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by Ohio law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Average Ohio Car Insurance Cost By Category
Your individual characteristics, geographic location, and vehicle choice all play major roles in determining car insurance costs. Below, you'll find average rates for various driver categories and profiles.
| Young Drivers | $101 | $203 |
| Adult Drivers | $41 | $85 |
| Senior Drivers | $64 | $121 |
| Drivers With An Accident | $60 | $124 |
| Drivers With A DUI | $72 | $152 |
| Drivers With A Speeding Ticket | $50 | $103 |
| Drivers With Bad Credit | $103 | $223 |
| Drivers With Low Income | $72 | $152 |
| Drivers With Newer Cars | $52 | $106 |
| Drivers With Old Cars | $40 | $79 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Personalized Average Ohio Car Insurance Costs
Our general driver categories show basic rates, but your costs will be different. Use the table below to find personalized insurance rates based on your specific details.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 345 | 4137 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average Ohio Car Insurance Cost By City
Your location in Ohio significantly affects your car insurance costs. Annual rates for full coverage insurance range from $411 in Ottawa to $1,252 in Cleveland. Compare both full and minimum coverage rates for your city and other areas across the state below.
Data filtered by:Results filtered by:
Select
City:Aberdeen
| Full Coverage | $84 | $1,007 |
| Minimum Coverage | $41 | $488 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Ohio Car Insurance Expensive?
Ohio offers some of the most budget-friendly car insurance rates in the nation, ranking 12th and 7th for minimum and full coverage affordability.
Why Is Car Insurance More Expensive In Ohio?
Here's why Ohio car insurance remains affordable:
Moderate Uninsured Driver Rates
Ohio has an uninsured driver rate of approximately 13% to 17%, meaning roughly one in seven drivers lacks insurance. While this is concerning, it's actually lower than many other states. Despite financial responsibility laws, uninsured drivers still pose a problem on Ohio roadways. These uninsured drivers create additional risk for insured drivers, as you may need to file claims through your own coverage when hit by someone without insurance.
Weather-Related Claims
Ohio experiences varied weather conditions that can damage cars and create hazardous driving conditions. Comprehensive coverage protects against weather-related damage including hail, wind and flood damage. The state's continental climate brings winter storms, spring hail and occasional flooding that can result in car damage. While Ohio doesn't face the extreme weather risks of states like Florida or California, seasonal weather patterns still contribute to claims frequency.
At-Fault Insurance System
Ohio follows a traditional at-fault insurance system, meaning the driver responsible for an accident bears the financial burden for damages and injuries. This creates a different claims environment compared to no-fault states. When you file a claim in Ohio, you typically go through the at-fault driver's insurance company rather than your own. This system can lead to more complex claim processes and potential disputes over fault determination, which impacts how insurance companies price policies in the state.
Credit Score Impact on Rates
Ohio insurance companies consider credit history when determining rates, with lower credit scores potentially leading to higher premiums. Drivers with excellent credit pay about $811 annually for full coverage, while those with poor credit face rates around $1,949. This difference means your financial profile can impact your insurance costs as much as your driving record.
Moderate Population Density and Traffic
Population density, traffic congestion and accident rates in Ohio cities impact insurance rates, with drivers in urban areas facing higher premiums due to increased traffic and accident risk. Columbus experiences significant traffic congestion, with drivers spending considerable time in traffic annually. However, Ohio's overall moderate population density compared to coastal states helps keep rates more affordable than many other areas.
High Car Theft Rates
Ohio ranks among the top 10 states for car theft, with more than 31,000 cars stolen statewide annually. Hyundai and Kia models make up seven of the 10 most frequently stolen cars in Ohio, largely due to social media trends like the "Kia Challenge" that showed how to exploit security vulnerabilities. The car theft rate in Ohio is high, with higher concentrations in urban areas. Insurance companies factor these theft rates into comprehensive coverage pricing, making this optional coverage more expensive for high-theft cars.
SR-22 Requirements for High-Risk Drivers
Ohio requires SR-22 certificates following severe accidents, traffic violations or license suspensions. Drivers with serious traffic violations may be required to file SR-22 insurance, which can increase premiums. The SR-22 requirement lasts for a specific period depending on the offense, and finding coverage can be challenging as some insurers won't write policies for high-risk drivers.
How To Lower Car Insurance Costs In Ohio
Want to save even more on those already-low premiums? Here's how to lower your car insurance costs:
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different means of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in Ohio: Bottom Line
Ohio car insurance costs are among the most affordable in the United States, but smart shopping can still help you save even more. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in Ohio: FAQ
Below are answers to frequently asked questions about Ohio car insurance costs:
How much is Ohio car insurance per month?
Ohio car insurance costs $40 for minimum coverage and $83 for full coverage policies. Rates range from $40 to $223 monthly, depending on your unique driver profile and coverage choice.
What factors affect Ohio car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is Ohio car insurance so expensive?
Ohio operates a traditional at-fault system with moderate uninsured driver rates and faces high car theft rates with thousands of cars stolen annually. The state ranks among the top 10 for car theft, with certain models being particularly targeted. Despite these risks, Ohio offers affordable rates averaging $830 to $1,806 annually, ranking among the top 10 most affordable states.
How expensive is Ohio car insurance?
With rankings of 12th for minimum coverage affordability and 7th for full coverage, Ohio stands out as one of the more budget-friendly destinations for auto insurance across the U.S.
How We Determined Ohio Car Insurance Costs
We used the following profile and modifications of this profile to determine Ohio auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- WDTN. "Data: Ohio car thefts, most targeted vehicles." Accessed August 23, 2025.
- WHIO. "Ohio among top 10 states with most car thefts: protecting your ride from thieves." Accessed August 23, 2025.