Home insurance in Ohio costs about $161 monthly or $1,934 annually on average. Homeowners pay $58 less per month, or $701 less annually, than the national average, making it the 6th most affordable state for home insurance.
Average Home Insurance Cost in Ohio
Updated: May 31, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Home insurance costs in Ohio range from $1,247 per year to well over $26,498, depending on your financial history, home details, coverage chosen, and provider.
Ohio's home insurance premiums are the 6th most affordable in the country, at 27% below the national average.
To find the best home insurance in Ohio, determine your coverage needs, research costs and providers, and collect multiple quotes.
How Much Is Home Insurance in Ohio?
| Ohio Average | $161 | $1,934 | -27% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Average Home Insurance Cost by City
Home insurance costs vary depending on your city. Property age, weather-related factors and home valuations can drastically affect home insurance costs. For example, the average monthly home insurance cost in Akron is around $152; in Toledo, it’s much higher at $188.
| Akron | $152 | $1,821 |
| Cincinnati | $169 | $2,025 |
| Cleveland | $163 | $1,956 |
| Columbus | $164 | $1,973 |
| Dayton | $186 | $2,229 |
| Toledo | $188 | $2,258 |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Ohio?
Home insurance is expensive in Ohio mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail:
Rising Claims
As homeowners file more claims, insurers may increase premiums to cover the higher outlay. Frequent claims suggest a greater risk of future payouts, prompting insurers to charge more to balance their risk.
High Weather Risks
Areas with elevated weather risks, such as hurricanes or wildfires, often see higher home insurance costs. Insurers adjust rates upward to account for the increased likelihood of costly damage from natural disasters.
Rising Material and Labor Costs
When the cost to repair or rebuild homes goes up due to pricier materials or labor, insurance companies may raise premiums to ensure they can cover these higher expenses in the event of a claim.
State Insurance Laws
State-specific insurance regulations can affect premium costs. Mandates on coverage types or minimum limits can lead to higher expenses for insurers, which may be passed on to consumers through increased premiums.
What Affects Ohio Home Insurance Costs?
Like most home insurance companies, pricing is mostly affected by these factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We'll highlight how much each factor affects rates.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates in Ohio, with rates varying by up to 14%. Weather risks, home value, and population density in your area play a major role in determining costs.
| Lowest | Ohio Very Small Tier Aggregate | $137 | $1,646 |
| Highest | Toledo | $192 | $2,301 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Ohio home insurance rates, averaging from $1,040 to $5,647 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $87 | $1,040 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $471 | $5,647 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in Ohio homeowners insurance rates, averaging from $73 to $164 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.
| Lowest | New | Superior | Tile | $73 | $874 |
| Highest | Old | Frame | Shake-Treated | $164 | $1,973 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Ohio home insurance rates, with prices ranging from 35% below to 158% above the state average.
| Lowest | USAA | $100 | $1,199 |
| Highest | Travelers | $396 | $4,755 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 139%, with annual average rates ranging from $1,078 to $9,552.
| Lowest | Excellent | $90 | $1,078 |
| Highest | Poor | $796 | $9,552 |
How Much Does Claims History Affect Home Insurance Costs?
Filing more claims will increase your perceived risk for insurers, which can increase premiums. However, in Ohio, claims history has a smaller impact on cost than other factors. We found that depending on your claims history, rates can be affected by up to 10% or $486 annually. A clean claims history could save you money, with rates as low as $154 monthly or $1,842 annually, while more claims could push rates to $194 monthly or $2,328 annually.
| Lowest | Claim free for 5+ years | $154 | $1,842 |
| Highest | 2 claims in past 5 years | $194 | $2,328 |
Tips to Save on Ohio Home Insurance
High home insurance costs in the Buckeye State make saving on premiums essential, whether buying a new home or cutting expenses on your current one. Below are tips to help you secure the best and cheapest home insurance in Ohio tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own. Learn more about determining how much home insurance you need and standard coverage options.
- 2
Research Costs and Discounts Beforehand
To determine if you’re getting a good deal, understand the average costs for you and your home. Also, ask agents about all available home insurance discounts, as some insurers apply certain reductions only if requested. Understanding the average costs for you helps in this process.
- 3
Compare Multiple Providers Through Different Avenues
To find the best coverage, use online comparison sites, brokers, provider websites, and agents.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance in Ohio can save up to xx% on home insurance and $xx annually on both policies.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Additionally, improving your credit score can decrease premiums drastically; moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Check for state programs that help get affordable coverage if you're denied traditional home insurance coverage. For instance, Ohio offers the TFPA policy to insure you if traditional insurers deny you coverage. While TFPA plans don’t offer the same coverage amount as traditional policies, they meet mortgage requirements.
Ohio Home Insurance Calculator: Bottom Line
Home insurance costs vary, mainly by where you live and how much coverage you get. For affordable rates, look into your needs and typical costs, then try our estimate tool for the best deal.
Homeowners Calculator Insurance Ohio: FAQ
To help estimate your expenses, MoneyGeek answers common questions you may have about home insurance in this state.
How much does homeowners insurance cost in Ohio?
Ohio's average monthly home insurance cost is $161 for a dwelling coverage of $250K. However, your rate will depend on factors like your credit score, liability and property coverage limits, and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Ohio Home Insurance Estimates
When determining the average cost of home insurance in Ohio, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
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.