Average Car Insurance Cost in Ohio (2025)

The average annual rate for car insurance in Ohio is $1,155. Drivers in Ohio pay significantly less than the U.S. national average of $1,729 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.

How much is car insurance in Ohio?

The average annual rate for full-coverage car insurance in Ohio is $1,456, or $121 per month. For state-minimum coverage, the average rate is $853 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.

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.

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.

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 $155 per month for full-coverage insurance. Ohio drivers with a speeding ticket pay $151 per month, and drivers with a DUI pay $195 per month.

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