Average Car Insurance Cost in Ohio (2025)
Ohio drivers pay monthly averages of $71 for liability insurance and $120 for full-coverage insurance.
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The average annual rate for car insurance in Ohio is $1,143. Drivers in Ohio pay significantly less than the U.S. national average of $1,712 per year.
Ohio’s rural areas and lack of extreme weather make car insurance more affordable. But full-coverage car insurance rates saw a steady increase in 2024 — up 15% from 2023. The Buckeye State is likely to see more increases, with a projected increase of 2% in 2025.
Here’s what you need to know about the average cost of car insurance coverage in Ohio.
Quick Facts
Mile Auto has the cheapest car insurance premiums in Ohio.
Toledo is one of the most expensive cities for car insurance in Ohio.
Ohio drivers must carry at least 25/50/25 in personal liability insurance.
How much is car insurance in Ohio?
The average annual rate for full-coverage car insurance in Ohio is $1,439, or $120 per month. For state-minimum coverage, the average rate is $847 per year, or $71 per month.
Car insurance premiums in Ohio are different for every driver. Rates depend on factors like ZIP code, driver age, marital status, credit history, claim history, driving record, and vehicle type.
The table below shows how Ohio car insurance costs compare to the national averages.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How Ohio car insurance rates have changed over the past two years
The average price for full-coverage car insurance in Ohio rose to $1,500 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Ohio.
See how Ohio car insurance prices have changed over the past two years below.
See More
To find car insurance rates in Ohio and the U.S. over the last two years, download our data here.
Average Ohio car insurance rates by city
Car insurance rates can vary from city to city and even by ZIP code.1 For example, the average premium in Toledo is slightly higher than the average rate in Cincinnati. Some of Ohio’s biggest cities, including Canton and Springfield, have slightly lower premiums.
Below, you can see the average cost of car insurance in some of the largest cities in Ohio.
Average Ohio car insurance rates by age
Your age is one of the biggest factors affecting car insurance in Ohio. In general, teen drivers pay the highest rates because they lack experience and have a higher likelihood of accidents.
In the following table, you can see the average liability-only car insurance rates for Ohio drivers in different age groups.
Average cost to insure popular vehicles in Ohio
In the Buckeye State, the bestselling vehicles are mostly SUVs and trucks — likely due to the state’s winter weather.
The table below includes the most popular vehicles in Ohio, according to data from Edmunds, and the average monthly cost of car insurance. The Honda CR-V is the cheapest of these vehicles to insure, and drivers pay the highest insurance costs for Ram trucks.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Ohio
Your driving record has a significant effect on the cost of Ohio auto insurance. Drivers with a history of at-fault accidents, traffic violations, and DUI convictions typically pay the most expensive rates. For example, the average cost of car insurance for a driver with a DUI is 50% higher than the average rate for someone with a clean record.
The table below shows the average full-coverage car insurance rates for an Ohio driver with various incidents on their record and how they compare to the cost for full coverage for a driver with a clean record.
Ohio drivers with an accident pay an average of $153 per month for full-coverage insurance. Ohio drivers with a speeding ticket pay $150 per month, and drivers with a DUI pay $193 per month.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In Ohio, your insurance company can use credit-based insurance scores to determine premiums. In general, insurers view drivers with good credit as less risky to insure, and they pay lower rates than drivers with poor credit.2
The table below includes the average cost of full-coverage and state-minimum car insurance in Ohio by credit tier.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Ohio
If you’re looking for cheap car insurance in Ohio, here are some tips to reduce your premium:3
Ohio average car insurance cost FAQs
If you’re shopping for car insurance in Ohio, here’s some more information that can be helpful as you compare insurers and policies.
The average cost of car insurance in Ohio is $1,439 per year for full coverage and $847 per year for liability-only coverage.
Based on Insurify data, Mile Auto has the cheapest car insurance in Ohio, with an average liability rate of $39 per month.
The average monthly rate for car insurance in Ohio is $120 for full coverage and $71 per month for state-minimum coverage.
The best auto insurance in Ohio is different for every driver. The right insurance company can offer the type of coverage you want at the most affordable price.
To find the best car insurance for you, it’s a good idea to shop around and compare several companies. To get you started, the cheapest companies are Mile Auto, State Farm, and Auto-Owners.
Ohio requires vehicle owners to carry at least 25/50/25 in liability insurance. That includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage per accident.4
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