Ohio homeowners pay an average of $2,075 annually for home insurance policies with $250,000 in dwelling coverage. Average costs in the state are 40% below the national average of $3,467, making Ohio the 21st most affordable state in the U.S.
Average Home Insurance Cost in Ohio
Updated: November 26, 2025
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Key Takeaways: Home Insurance Rates in Ohio
The average cost of home insurance in Ohio is $2,075 per year or $173 per month. Costs in the state fall 40% below the national average.
Home insurance costs in Ohio can range from $837 per year to $6,047, depending on your financial history, home details, chosen coverage and provider, and more.
Use our free Ohio home insurance calculator below to see an estimate of rates for your home in seconds.
How Much Is Home Insurance in Ohio?
| Ohio | $2,075 | $3,467 | -40% |
*These rates represent a home built in 2000 with $250K dwelling, $125K personal property and $200K liability coverage with a $1,000 deductible.
What Affects Ohio Home Insurance Costs?
Several factors determine what you'll pay for home insurance in Ohio. Your location, coverage limits, home's age and construction, insurer choice and credit score all affect your premium differently, some even by hundreds of dollars annually. Here's how each factor affects your Ohio home insurance costs in more detail.
Average Ohio Home Insurance Cost by City
Home insurance costs vary across Ohio cities, with Dayton homeowners paying the highest average of $2,324 annually while Bolivar residents pay the lowest at $1,917. Major metros like Columbus and Cleveland fall near the middle, reflecting differences in local crime rates, weather patterns and construction costs.
| Akron | $163 | $1,953 |
| Bolivar | $160 | $1,917 |
| Cincinnati | $175 | $2,105 |
| Cleveland | $164 | $1,972 |
| Columbus | $169 | $2,027 |
| Dayton | $194 | $2,324 |
| Dillonvale | $170 | $2,043 |
| Grove City | $168 | $2,020 |
| Toledo | $188 | $2,250 |
Average Cost of Ohio Home Insurance by Coverage Level
Higher coverage limits significantly increase your Ohio home insurance costs, with $1 million in dwelling coverage costing $6,047 annually — nearly five times more than basic $100,000 coverage at $1,264. Your dwelling coverage should match your home's replacement cost, not its market value or mortgage balance.
| $100K Dwelling / $50K Personal Property / $100K Liability | $105 | $1,264 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $173 | $2,075 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $276 | $3,310 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $383 | $4,602 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $504 | $6,047 |
Ohio Homeowners Insurance Pricing by Company
Ohio home insurance rates range from 39% below to 162% above the state average of $2,075 for $250,000 in dwelling coverage, depending on the insurer you choose. Farmers offers the lowest average annual premium at $1,263, while Travelers charges $5,448, more than four times higher for comparable coverage.
| Farmers | $105 | $1,263 |
| USAA | $113 | $1,361 |
| Allstate | $122 | $1,467 |
| State Farm | $125 | $1,494 |
| Auto-Owners Insurance | $147 | $1,761 |
| Nationwide | $149 | $1,786 |
| American Family | $168 | $2,018 |
| Travelers | $454 | $5,448 |
Ohio Homeowners Insurance Rates by House Age
Newer Ohio homes cost significantly less to insure than older properties, with homes built in 2020 averaging $1,365 annually compared to $2,270 for homes built in 1980. This 66% difference reflects lower risk of outdated wiring, plumbing issues and roof damage in recently constructed homes.
| Newer | $114 | $1,365 |
| Middle Age | $173 | $2,075 |
| Older | $189 | $2,270 |
Average Cost of Ohio Home Insurance by Credit Score
Excellent credit earns rates as low as $837 annually in Ohio, while poor credit can push premiums to $5,420 — more than six times higher. Improving your credit from poor to good could save you an average of over $3,300 per year on home insurance.
| Excellent | $70 | $837 |
| Good | $173 | $2,075 |
| Below Fair | $237 | $2,839 |
| Poor | $452 | $5,420 |
Why Is Home Insurance More Affordable in Ohio?
Ohio's home insurance rates fall 40% below the national average due to several protective factors.
Limited Catastrophic Weather
Ohio avoids hurricanes, major earthquakes and wildfire zones that create expensive claims in other states. While tornadoes occur primarily in western Ohio, they're less frequent and destructive than those in Tornado Alley states.
Competitive Insurance Market
Multiple national and regional insurers operate in Ohio, creating price competition that benefits consumers. This competitive environment gives you more options when shopping for coverage.
Lower Construction Costs
Rebuilding expenses in Ohio cost less than in high-demand markets like California or New York. Your dwelling coverage reflects these regional construction costs, which directly impacts your premium.
WHAT CAN MAKE OHIO PREMIUMS MORE EXPENSIVE?
Certain factors can increase your Ohio home insurance costs despite the state's overall affordability. Homes in flood-prone areas near Lake Erie or along the Ohio River need separate flood insurance, which adds to your total cost. Older homes with outdated electrical systems, plumbing or roofs face higher premiums due to increased claim risk.
Tips to Save on Ohio Home Insurance
High home insurance costs in Ohio make saving on premiums essential, whether buying a new home or cutting expenses on your current one. Here's how to find the best and cheapest home insurance in Ohio tailored to your needs.
Bundle Your Policies
Home and auto insurance bundled together cuts premiums 15% to 25% on both policies. Multi-policy discounts from State Farm, Nationwide and other major Ohio insurers deliver hundreds of dollars in annual savings.
Increase Your Deductible
Monthly premiums drop by $150 on average when deductibles jump from $500 to $1,000, though out-of-pocket costs rise when claims get filed. Emergency savings covering the higher deductible and infrequent claim histories make this strategy work best.
Improve Your Home's Safety Features
Discounts of 5% to 20% come from monitored security systems, smoke detectors, deadbolt locks or newer roofs. Impact-resistant roofing materials or storm shutters earn additional credits from some insurers by reducing claim risk from Ohio's severe weather.
Shop Around Annually
Average premiums for similar coverage span from $1,263 to $5,448 across Ohio's competitive insurance market, according to our data. Annual quote comparisons from at least three insurers reveal these rate differences, as claim experience and market strategy drive each company's pricing adjustments differently.
Ohio Home Insurance Calculator: Bottom Line
Ohio homeowners pay 40% less than the national average due to moderate weather risks and competitive pricing, though your rate varies based on your home's age, location and coverage limits. Use our Ohio home insurance calculator to learn about rates tailored to your situation, and get quotes from at least three insurers annually.
Homeowners Calculator Insurance Ohio: FAQ
Take a look below at the most commonly asked questions about the average cost of home insurance in Ohio.
Is flood insurance required in Ohio?
Flood insurance isn't legally required in Ohio unless you have a mortgage on a property in a high-risk flood zone. Lenders in FEMA-designated Special Flood Hazard Areas require flood coverage to protect their investment. Standard home insurance policies don't cover flood damage, so you'll need a separate National Flood Insurance Program policy or private flood insurance if you live near Lake Erie, the Ohio River or other flood-prone areas.
Does home insurance cover sewer backup in Ohio?
Standard home insurance policies in Ohio typically exclude sewer backup damage. You'll need to add sewer and drain backup coverage as an endorsement to your policy. This optional coverage protects you when sewage backs up through drains, toilets or basement floor drains, which is a common problem during heavy rainstorms in Ohio's older urban areas.
What happens if you don't have home insurance in Ohio?
Ohio doesn't legally require home insurance if you own your property outright, but you risk financial disaster without it. You'll pay out-of-pocket for fire damage, theft, liability lawsuits and rebuilding costs that could exceed $200,000 for a typical Ohio home. Mortgage lenders require home insurance as a loan condition, so you can't skip coverage if you're financing your purchase.
Does Ohio home insurance cover mold damage?
Ohio home insurance covers mold only if it results from a covered peril like a burst pipe or storm damage. Policies won't pay for mold from long-term maintenance neglect, humidity or slow leaks you didn't fix promptly. Most insurers cap mold coverage at $5,000 to $10,000 even when covered, though you can purchase additional mold remediation coverage for higher limits.
How We Analyzed Ohio Home Insurance Costs
We gathered Ohio home insurance rate data across multiple insurers, cities and coverage levels to show what drives these price differences and what you'll actually pay based on your situation.
We collected quotes using a typical Ohio home profile to ensure consistent comparisons: $250,000 dwelling coverage, $125,000 personal property protection, $200,000 liability coverage, a $1,000 deductible and no claims in the past five years. Our sample home was built in 2000 with frame construction and a composition roof, reflecting common features across Ohio.
Your actual costs vary from these averages based on your home's specifics and personal factors.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.