How Much Is Car Insurance in Ohio? Rates by Coverage Level, Age, Driving History and Location

Ohio car insurance rates cost an average of $803 per year — lower than the national yearly average of $1,424 — making the Buckeye State one of the cheapest states for car insurance in the country. MoneyGeek obtained these averages from different insurers and locations for one sample driver. We broke down average costs based on coverage amount, driving record, age, location and credit score.

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The average driver in Ohio will pay $803 annually for car insurance. This rate applies to a 40-year-old driver with a full-coverage policy and a clean record. For the same profile, minimum coverage costs an average of $487 per year. Younger and inexperienced drivers pay higher rates. For example, a 16-year-old buying their own policy in Ohio pays an annual average of $1,778. However, these rates are dependent on your specific profile and can vary greatly.

To help you see how average car insurance costs in Ohio change among individuals, MoneyGeek analyzed costs based on different categories of drivers.

Average Cost of Car Insurance in Ohio: Summary

MoneyGeek broke down average car insurance costs in Ohio by the most important factors. For drivers in Ohio, age, coverage level, driving record and credit score all affect the cost of car insurance. Age ranks as the most important factor, followed by credit score.

If you would like to compare average rates for a given driver profile, you can look up the average car insurance costs for different profiles.

Average Costs of Car Insurance in Ohio

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Why Are Car Insurance Rates Cheap in Ohio?

Ohio car insurance rates rank among the cheapest in the country. With one of the lowest incidences of car theft in the country, as well as a very low natural disaster occurrence rate, Ohioans tend to pay significantly less for car insurance on average.

States with high traffic density and car theft rates typically feature higher car insurance premiums. Compare car insurance rates by state for a holistic look at costs across the country.

Average Cost of Car Insurance in Ohio: Full Coverage vs. Minimum Coverage

In Ohio, one of the factors that will impact the cost of car insurance is the coverage level that you purchase. A full-coverage policy comes with comprehensive and collision insurance, making it more costly than a minimum liability policy. Minimum coverage only provides liability per state guidelines.

The average cost of a full-coverage car insurance policy in Ohio, as defined in MoneyGeek’s methodology, is $803 per year. Ohio's annual average for minimum coverage is $487.

Average Cost of Car Insurance in Ohio by Coverage Level

Minimum vs. Full Coverage Car Insurance Costs in Ohio - By Company

When buying car insurance in Ohio, individuals should shop around and compare quotes for a sense of insurers' various rates. On average, Geico is the cheapest option for full coverage and minimum coverage in Ohio. USAA is the most affordable option for active and former members of the military in Ohio.

In Ohio, the most expensive full coverage and minimum coverage car insurance policies, on average, are offered by Esurance.

Average Annual Costs of Car Insurance in Ohio - By Company

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How Much Is Car Insurance in Ohio by Age

Younger drivers and first-time drivers are rated as a "high-risk" category and attract higher car insurance premiums. The average cost of car insurance in Ohio for a 40-year-old is $803 per year. However, for a 16-year-old purchasing their own insurance, the average rate climbs significantly to $1,778.

Ohioans new to driving, regardless of their age, will also pay similarly high rates for car insurance. The best way for young teens to save on insurance costs is to join their parents’ policies. Young drivers and first-time drivers can research the most affordable policies to find the cheapest options.

Average Costs of Full Coverage Car Insurance in Ohio - By Age

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How Does Driving History Affect Car Insurance Costs in Ohio?

Individuals with clean driving records in Ohio pay less for car insurance than drivers with histories of accidents and tickets. On average, a driver with a clean record will pay $803 per year for car insurance, while a driver with a speeding ticket will pay $204 more yearly.

Depending on the severity of the offense on your record, the car insurance costs can climb even higher. Drivers with bad driving records can still research the best options available for their circumstances.

Average Costs of Full Coverage Car Insurance in Ohio - By Driving History

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  • Driving Violation
    Annual Premium
  • Safe Driver
    $803
  • Speeding Ticket
    $1,007
  • At-Fault Accident
    $1,215
  • DUI
    $1,275

Credit Scores and the Cost of Car Insurance in Ohio

Ohio car insurance rates also vary based on credit score. A driver with an excellent score pays up to $137 less per year on average, compared to a driver with a good credit score. A good credit score helps to keep car insurance costs down, as individuals with poor credit pay extra every year.

On average, a driver in Ohio with a poor credit score pays $1,283 per year — $551 higher, on average, than with a good credit score. Drivers with lower credits should compare quotes to find the most affordable car insurance options.

Average Costs of Full Coverage Car Insurance in Ohio - By Credit Score

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  • Credit Score
    Annual Premium
  • Excellent
    $595
  • Good
    $732
  • Fair
    $873
  • Below Fair
    $1,059
  • Poor
    $1,283

How Much Is Car Insurance in Your City?

Location-specific factors, such as population density, car theft incidences and frequency of natural disasters, affect insurance rates on a state and city-wide level.

At $724 per year on average. 9.8% cheaper than the average for Ohio, Akron is the cheapest city for car insurance in the state. Toledo, with an annual average cost of $837, is the most expensive city for car insurance in Ohio.

Average Costs of Full Coverage Car Insurance in Ohio - By City

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Frequently Asked Questions About Ohio Car Insurance Rates

You can find out more about the average car insurance cost in Ohio with MoneyGeek's answers to frequently asked questions.

Methodology

MoneyGeek compiled car insurance quotes in collaboration with Quadrant Information Services across Ohio. We researched full-coverage policies, as described on our methodology page, for a 40-year-old driver with a safe driving record — unless altered by coverage levels, age, driving violations and credit score. Other data used in this study include:

  • Urban share of population was calculated using the latest data from the U.S. Census Bureau.
  • Data on uninsured motorists was drawn from 2019 data from the Insurance Research Council.
  • Highway traffic density was calculated with 2019 data from the Federal Highway Administration.
  • Data on motor vehicle theft rate was drawn from the FBI Crime in the United States Report for 2019.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.