Ohio Car Insurance Calculator

1. Our rate data comes from Quadrant Information Services that collect actual rates insurers file with the Ohio Department of Insurance. We analyzed rates across every residential ZIP code in Ohio and update the data monthly.
2. Our recommendations are independent. No carrier relationship changes what we write. See our full rating guidelines.
3. Mark Fitzpatrick wrote this page. He's a Licensed Property and Casualty Insurance Producer and has analyzed Ohio's insurance market for over five years. Mark Friedlander reviewed it for accuracy.

Auto-Owners charges $68/month for full coverage. Travelers charges $109/month for the same driver and policy. That's a $41/month or $492/year gap for a clean-record driver just based on the insurer you choose in Ohio. The gap gets much larger for certain profiles. Bad-credit drivers pay $114/month with Grange or $235/month with Erie for the same policy, a $121/month or $1,452/year difference based purely on which carrier you pick. After a DUI, GEICO charges $104/month while Allstate charges $130/month for the same driver.

How to save: Ohio has strong regional carriers that often beat national brands on price. Auto-Owners, Erie and Grange all come in below the state average for clean-record drivers. The right carrier shifts depending on your profile. Get at least three quotes before you buy or renew. See our cheapest car insurance in Ohio guide for rates by carrier and driver profile.

Ohio's legal minimum is 25/50/25 at $45/month on average. Adding collision and comprehensive with a $1,000 deductible brings that to $63/month, just $18 more. Full coverage at 100/300/100 runs $92/month. The highest coverage tier of 300/500/300 runs $111/month. The difference between minimum to maximum is $66/month in Ohio.

How to save: You will want to buy the coverage amount you need, but not too much that you end up overpaying. If your car is financed or leased, your lender sets your minimum coverage requirement. If it's paid off, use the Ohio coverage calculator below to find the right level for your situation.

Ohio lets insurers use your credit score to set your rate and low credit scores mean higher rates. Drivers with good credit pay $85/month for full coverage. Drivers with poor credit pay $223/month, a $138/month or $1,656/year difference for the same coverage.

How to save: Grange is the best starting point for poor-credit drivers at $114/month, the lowest bad-credit rate in Ohio and only $46/month above Auto-Owners' clean-record rate of $68/month. Over time, improving your credit score is the highest-return action you can take outside of maintaining a clean driving record. See our guide on how credit score affects car insurance.

Having a violation on your record will increase you car insurance cost in Ohio by an average of $49/month. A speeding ticket increases average full coverage to $117/month, $25 more than a clean record. An at-fault accident brings it to $139/month or $47 more per month. A DUI jumps to $172/month, an 87% increase that adds $960/year over a clean-record rate.

How to save: Auto-Owners has the least amount of rate increase for Ohio drivers with violations. GEICO is cheapest after an at-fault accident at $88/month and after a DUI at $104/month. Ohio BMV points drop off your record within two years but most insurers look back three to five years. Re-shop when your violation ages off since Ohio insurers won't lower your rate automatically.

Certain cities in Ohio cost more for insurance than others due to accident and theft rates. Cleveland drivers pay $85/month for full coverage with Auto-Owners versus $65/month in Lorain, a $20/month or $240/year gap for the same driver and policy. Auto-Owners is the cheapest option in eight of Ohio's 10 largest cities, ranging from $68/month in Canton to $85/month in Cleveland.

How to save: You can't change where you live, but you can control which carrier you pick in your ZIP code. In Dayton and Youngstown, GEICO beats Auto-Owners on price. The statewide cheapest carrier isn't always cheapest in your city, so get a local quote before assuming. If you move within Ohio, be sure to re-quote your car insurance.

Similar to all states, young drivers and seniors pay more than middle aged drivers in Ohio. A 16-year-old on a family policy averages $4,415/year for males and $4,156/year for females, roughly three times the adult rate. At 16, GEICO is cheapest for girls at $266/month and Grange is cheapest for boys at $273/month. By 17, GEICO leads both genders. By 25, both consolidate under Auto-Owners at $131/month. For seniors, GEICO is cheapest at $95/month and Auto-Owners is close behind at $96/month.

How to save: Keep teen drivers on a family policy. A 16-year-old male saves $1,977/year on a family policy versus individual coverage in Ohio. Re-shop at every birthday between 16 and 25 since the cheapest carrier shifts multiple times. For seniors, start with GEICO first, but note that both Erie and Auto-Owners offer defensive driving discounts for seniors which can lower your rate below GEICOs rate.

The value of your car, safety features and theft rates impact your rate in Ohio. A Ford F-150 costs $116/month for full coverage in Ohio. A Tesla Model Y costs $183/month, a $67/month or $804/year difference. The F-150 and Honda Civic are the two cheapest vehicles to insure in Ohio at $116 and $119/month, just $3 apart. The jump from a Toyota RAV4 at $134/month to a Tesla Model 3 at $156/month is $22/month, the biggest single step up in the Ohio vehicle data.

How to save: Most Ohio drivers won't change their vehicle to lower car insurance, but when you shop for a new car, we recommend getting quotes before buying so you know your total cost of ownership. Parents should choose lower performance, safer cars for teens if they want to minimize rates. See our Ohio car insurance rates by vehicle guide for details.

Ohio requires a minimum of 25/50/25 liability coverage. Liability coverage pays for injuries and property damage you cause to others in an accident. Learn more about liability car insurance. That means $25,000 per person for bodily injury, $50,000 total per accident and $25,000 for property damage. Those numbers sound like a lot. They often aren't. A single hospital visit after a serious crash can cost more than $25,000. One totaled car can exceed $25,000 in property damage.

Ohio is an at-fault state. That means if you cause an accident, you're personally responsible for the damage. The more you own, the more you have to lose. 

If your assets are above $50,000, the calculator  shows 100/300/100 or higher. That's $100,000 per person for bodily injury, $300,000 per accident and $100,000 for property damage. If your assets top $500,000, then you will need 250/500/250 and an umbrella policy is recommended. For about $150 to $300 per year, it adds $1 million or more of protection above your auto limits.

Collision coverage pays to repair your car after a crash. Comprehensive protects your car from theft, weather damage, fire and animal damage. Neither is required by Ohio, but this coverage is recommended for most drivers. 

If your car is financed or leased, both coverages appear in your recommendation because your lender requires them. If both coverages still show up and your car is paid off, keeping them makes financial sense. 

Ohio drivers should consider dropping comprehensive and collision if the incremental costs for these coverages are more than 10% of the car value.

About 18.5% of Ohio drivers have no insurance. That's nearly 1 in 5 drivers on the road, according to the Insurance Information Institute. If one of them hits you, this coverage pays your bills when they can't.

Ohio allows UM coverage but doesn't require it. Dropping it requires a signed written waiver. For most Ohio drivers, keeping it is the right move given it is only $7-$10 incremental per month.

Ohio doesn't require MedPay or personal injury protection. These medical expense coverages pay your bills after a crash regardless of who caused it.

This matters most if you don't have health insurance or if your plan has a high deductible. It covers you and every passenger in your car. It pays before your health insurance processes the claim. That means no waiting on a liability decision and no out-of-pocket costs while the claim is sorted out.