Skip to Main Content

Average cost of car insurance in Ohio for 2024

Updated Apr 24, 2024

In Ohio, the average cost of car insurance is $1,485 for full coverage and $406 for minimum coverage.

How much is car insurance in Ohio?

Fortunately for drivers in the Buckeye State, Ohio car insurance rates are significantly lower than what the average American driver pays. Ohio drivers pay an average of $1,485 per year for full coverage and $406 per year for minimum coverage. In the U.S., the average cost of car insurance is $637 per year for minimum coverage and $2,299 per year for full coverage. While car insurance premiums can vary greatly between states, there are other factors that go into determining your rates. In Ohio, your ZIP code, vehicle type, age, insurance company, coverage selections, credit history and gender may also influence your rate.

Key takeaways

  • The average cost of car insurance in Ohio rounds out to about $124 per month for full coverage and just $34 per month for minimum coverage.
  • According to Bankrate's analysis, the average rate for full coverage car insurance in Ohio is roughly 35 percent less than the national average of $2,299.
  • 18-year-old drivers on their own policy face the highest average rates in the state based on the age groups we analyzed.
  • Having an OVI (operating a vehicle impaired) on your driving record in Ohio, on average, increases your rates by 93 percent more.

What would you like to do today?

Ohio car insurance rates by city

Auto insurance rates in Ohio can vary between cities for several reasons, including how frequent traffic accidents are in the area, the local average value of vehicles, weather risks, infrastructure problems, cost of repairs and more. As you can see from the table below, Cleveland and Columbus have notably higher average rates than the other cities. Part of what's happening with those cities is related to how densely populated they are and how high the population is overall, including more crowded highways and higher accident frequency and severity rates. More drivers means more risk, especially if those drivers are condensed into a relatively small area.

City Avg. annual full coverage premium Avg. savings vs. state average

Average car insurance costs by age and gender in Ohio

In Ohio, your age may be a significant factor in determining your rates. Young drivers usually pay some of the highest average car insurance rates because they have the least amount of experience behind the wheel and high accident frequency. Once you turn 25, car insurance rates generally start to drop, provided you maintain a clean driving record. Around age 70, car insurance rates start to increase again due to an escalating risk of accidents.

Here are the average annual car insurance premiums in Ohio for different age groups. The rates on the table below, with the exception of the ones for a 16-year-old driver, showcase drivers on their own insurance policies:

Age 16*
Average annual full coverage premium in OH
$3,749
Average minimum coverage premium in OH
$1,097
Age 18
Average annual full coverage premium in OH
$4,721
Average minimum coverage premium in OH
$1,478
Age 20
Average annual full coverage premium in OH
$3,565
Average minimum coverage premium in OH
$985
Age 25
Average annual full coverage premium in OH
$1,978
Average minimum coverage premium in OH
$526
Age 30
Average annual full coverage premium in OH
$1,625
Average minimum coverage premium in OH
$427
Age 40
Average annual full coverage premium in OH
$1,493
Average minimum coverage premium in OH
$403
Age 50
Average annual full coverage premium in OH
$1,380
Average minimum coverage premium in OH
$380
Age 60
Average annual full coverage premium in OH
$1,336
Average minimum coverage premium in OH
$376
Age 70
Average annual full coverage premium in OH
$1,551
Average minimum coverage premium in OH
$454
Age 40
Average annual full coverage premium in OH
$1,493
Average minimum coverage premium in OH
$403
Age 50
Average annual full coverage premium in OH
$1,380
Average minimum coverage premium in OH
$380
Age 60
Average annual full coverage premium in OH
$1,336
Average minimum coverage premium in OH
$376
Age 70
Average annual full coverage premium in OH
$1,551
Average minimum coverage premium in OH
$454
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Average annual full coverage premium in OH
$3,266
Average minimum coverage premium in OH
$986
Age 18
Average annual full coverage premium in OH
$4,256
Average minimum coverage premium in OH
$1,291
Age 20
Average annual full coverage premium in OH
$3,096
Average minimum coverage premium in OH
$892
Age 25
Average annual full coverage premium in OH
$1,830
Average minimum coverage premium in OH
$514
Age 30
Average annual full coverage premium in OH
$1,587
Average minimum coverage premium in OH
$431
Age 40
Average annual full coverage premium in OH
$1,478
Average minimum coverage premium in OH
$409
Age 50
Average annual full coverage premium in OH
$1,285
Average minimum coverage premium in OH
$385
Age 60
Average annual full coverage premium in OH
$1,310
Average minimum coverage premium in OH
$374
Age 70
Average annual full coverage premium in OH
$1,500
Average minimum coverage premium in OH
$444
Age 40
Average annual full coverage premium in OH
$1,478
Average minimum coverage premium in OH
$409
Age 50
Average annual full coverage premium in OH
$1,285
Average minimum coverage premium in OH
$385
Age 60
Average annual full coverage premium in OH
$1,310
Average minimum coverage premium in OH
$374
Age 70
Average annual full coverage premium in OH
$1,500
Average minimum coverage premium in OH
$444
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Lightbulb

Bankrate’s take: When calculating your insurance rate, insurers are permitted to take your gender into consideration in most states, including Ohio. Statistics show that, for the most part, men are more dangerous drivers than women — which makes them statistically more likely to file a claim that will cost their insurer money. To make up for this added risk, many insurers charge men higher rates than their female counterparts when all other rating factors are equal.

Cost considerations for young drivers in Ohio

Auto insurance rates are based largely on risk levels, with younger, more inexperienced drivers being seen as some of the riskiest to insure. Typically, this  translates to these young drivers paying higher average premiums. While time and experience may be the only way past these high rates, it may still be possible for young drivers to save some on premiums.

Drivers under 18 cannot purchase their own insurance — they are legally allowed to have their own policy with written consent of a parent or guardian. However, drivers between 18 and 25 can often save money by staying on their parents’ policy rather than getting their own. The table below highlights the average cost difference between these two scenarios:

Caret Down
Age 16*
Avg. annual premium for drivers in OH
$3,508
Age 17
Avg. annual premium for drivers in OH
$3,324
Age 18
Avg. annual premium for drivers in OH
$3,068
Age 19
Avg. annual premium for drivers in OH
$2,726
Age 20
Avg. annual premium for drivers in OH
$2,578
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in OH
$4,488
Age 19
Avg. annual premium for drivers in OH
$3,678
Age 20
Avg. annual premium for drivers in OH
$3,331
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 46 percent more
Age 19 35 percent more
Age 20 29 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How does driving record impact the cost of car insurance in Ohio?

When you first buy a car insurance policy, and every time your policy renews, your insurance company will likely review your driving record. If you have any negative marks on your record, like a speeding ticket conviction, at-fault accident or OVI, your rate will go up. For example, after a speeding ticket in Ohio, average car insurance premiums change by about 20 percent more. An imperfect driving record can also affect how you shop for your policy; if you have an OVI on your record, for instance, you might need a company that specializes in high-risk auto insurance and can file an SR-22 on your behalf.

The table below shows average rates for Ohio drivers with different traffic violations on their record and how much these rates deviate from average rates for clean driving records in the state:

Clean driving record
Avg. annual premium* in OH
$1,485
Percentage increase from OH avg. annual premium*
0%
Avg. annual premium* in OH
$1,779
Percentage increase from OH avg. annual premium*
20%
Avg. annual premium* in OH
$2,164
Percentage increase from OH avg. annual premium*
46%
Avg. annual premium* in OH
$2,860
Percentage increase from OH avg. annual premium*
93%
*The rates reflected are for full coverage policies.

Car insurance rates in Ohio by credit tier

Your credit history, or credit-based insurance score, is one of the variables used by car insurance companies to help them determine risk levels for drivers. Not all states allow this use of credit factors by auto insurers, but most do, including Ohio. The table below illustrates just how much your credit tier can affect how much car insurance in Ohio is:

Avg. annual premium* in OH
$3,015
Percentage change from OH average annual premium*
103%
Average
Avg. annual premium* in OH
$1,639
Percentage change from OH average annual premium*
10%
Avg. annual premium* in OH
$1,485
Percentage change from OH average annual premium*
0%
Excellent
Avg. annual premium* in OH
$1,190
Percentage change from OH average annual premium*
-20%
*Rates reflect full coverage policies.

Ohio car insurance rates by vehicle type

The vehicle you drive may also be responsible for raising or lowering your insurance rates. When comparing vehicles, if one car costs more to repair or replace, then it will most likely cost more to insure. For instance, on average in Ohio, full coverage car insurance for a BMW 330i is 30 percent more than for a Ford F-150.

Avg. annual premium* in OH
$1,485
Avg. annual premium* in OH
$1,339
Avg. annual premium* in OH
$1,273
BMW 330i
Avg. annual premium* in OH
$1,739
Toyota Prius
Avg. annual premium* in OH
$1,503
*Rates reflect full coverage policies.

Estimate your car insurance cost in Ohio

Car insurance is a requirement in Ohio, and it can be difficult to gauge how much you should spend on it. To help you with your budget planning, Bankrate created the calculator tool below. Once you enter some basic pieces of information, you’ll be presented with an estimate of your car insurance cost. Keep in mind that this is not a car insurance quote; rather, it is a rough estimate of your insurance costs to help you better plan your budget.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
Caret DownCaret Up
Please select credit score
Why we're asking
Methodology

How to save on car insurance in Ohio

Even though Ohio auto insurance rates are cheaper than the national average, many drivers may be looking to save more money on their policy. Here are some ways you might get a lower rate:

  • Take advantage of discounts: Look for car insurance companies that offer discounts you can qualify for. There are often savings for good students, being claims-free and having advanced safety features in your vehicle.
  • Pay your premium in full: If you can afford to pay your annual car insurance premium upfront and in full, rather than in monthly or quarterly installments, your car insurance carrier may lower your rate.
  • Maintain a clean driving record: Drivers with a clean motor vehicle record typically pay the lowest car insurance rates and may qualify for safe driver discounts. If you have a history of at-fault accidents or moving violations, working to maintain a clean driving record could help you achieve a cheaper premium over time.
  • Switch insurance carriers: Switching insurance carriers may help you save money if you find a different provider that can offer you a cheaper rate. Comparing quotes from various carriers before your policy renews may show you if this could be an effective strategy for you.

Frequently asked questions

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in May 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.

Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance