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Average cost of car insurance in Ohio for 2022

Updated Nov 15, 2022
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The average cost of car insurance in Ohio is $1,200 per year for full coverage and $336 per year for minimum coverage, based on 2022 rate data from Quadrant Information Services. Drivers in Ohio pay much lower rates on average for car insurance than drivers in neighboring states, like Pennsylvania and Kentucky. There are several factors that contribute to the low cost of car insurance in Ohio, including lower-than-average accident frequency and severity and a relatively small number of drivers estimated to be uninsured.

How much does car insurance cost in Ohio?

Car insurance premiums are different in every state, but besides the state you live in, factors like your age, your ZIP code, the car insurance company and coverage types you choose and your driving record will also impact your premium.

Fortunately for Ohio drivers, car insurance rates are significantly lower than what the average American driver pays. Ohio drivers pay an average of $1,200 per year for full coverage and $336 per year for minimum coverage. In the U.S., the average cost of car insurance is $545 per year for minimum coverage and $1,771 per year for full coverage.

That means Ohio drivers pay $571 less for full coverage and $209 less for minimum coverage, on average. The average cost of full coverage auto insurance in Ohio is about 32% cheaper than the U.S. average.

Ohio car insurance rates by company

Average car insurance rates in Ohio vary significantly based on the insurance company you purchase coverage from. Some companies offer considerably cheaper car insurance premiums, like Geico and Hastings Mutual, while others, like Allstate and Esurance, offer more expensive rates on average. The table below includes the average annual car insurance rates from some of the best car insurance companies in Ohio.

Car insurance company Average annual full coverage premium Average annual minimum coverage premium
Allstate $2,102 $318
American Family $1,579 $551
Auto-Owners $1,006 $275
Central Mutual Insurance Co $936 $299
Encompass $1,083 $418
Erie $1,084 $278
Esurance $2,174 $713
Farmers $1,067 $441
Frankenmuth $1,176 $275
Geico $671 $238
Grange $1,350 $459
Hastings Mutual $659 $258
National Mutual Insurance $990 $264
Nationwide $1,015 $366
Progressive $1,175 $333
State Farm $848 $237
USAA $846 $235
Westfield $1,404 $359

Ohio car insurance rates by city

Ohio car insurance rates may be more expensive in certain cities due to factors like vehicle theft and vandalism rates, the number of uninsured drivers, the risk of severe weather and more. Based on the data, Cleveland has the highest average rates, while Mansfield has the cheapest average rates.

In the table below, we highlighted the average cost of car insurance in Ohio’s most populated cities, and noted how the average premium compares to the statewide average rate.

City Average annual full coverage premium % difference from state average annual premium
Cleveland $1,614 35%
Cincinnati $1,266 6%
Toledo $1,358 13%
Akron $1,262 5%
Dayton $1,205 0%
Canton $1,187 -1%
Youngstown $1,386 16%
Lorain $1,101 -8%
Hamilton $1,203 0%
Springfield $1,153 -4%
Elyria $1,192 -1%
Lakewood $1,174 -2%
Newark $1,167 -3%
Cuyahoga Falls $1,123 -6%
Middletown $1,161 -3%
Dublin $1,235 3%
Mentor $1,078 -10%
Euclid $1,285 7%
Mansfield $1,065 -11%

Ohio car insurance rates by age

Young drivers usually pay the highest 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, barring any other issues, like a poor driving record. Around age 70, car insurance rates start to increase again.

Here are the average annual car insurance premiums in Ohio for different age groups:

Age Average annual full coverage premium in Ohio
Age 16* $2,408
Age 18 $2,216
Age 20 $1,882
Age 25 $1,543
Age 60 $1,075
Age 70 $1,206

*16- through 20-year-old driver calculated on a parent’s policy.

Ohio car insurance rates by driving record

When you first buy a car insurance policy, and every time your policy renews, your insurance company will review your driving record. If you have any negative marks on your record, like a speeding ticket conviction or at-fault accident, your rate will go up. For example, after an at-fault accident in Ohio, your car insurance premium could increase by about 32%. In the table below, we highlighted several traffic violations and how much they will increase your premium in Ohio.

Driving incident Average annual full coverage premium in Ohio % increase of state average annual premium
Speeding ticket conviction $1,406 17%
At-fault accident $1,668 39%
DUI $2,209 84%

How to save on car insurance in Ohio

Even though Ohio auto insurance rates are cheaper than the national average, many drivers want to save more money on their policy. Here are some ways you can 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 will probably 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 can help you save money if you find a different provider that can offer you a cheaper rate.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

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

Written by
Elizabeth Rivelli
Insurance Contributor

Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute