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Average cost of car insurance in Ohio for 2025

Updated Jan 09, 2025
In Ohio, the average cost of car insurance is $1,596 for full coverage and $433 for minimum coverage.
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How much is car insurance in Ohio?

Fortunately for drivers in the Buckeye State, average car insurance costs in Ohio are significantly lower than what the average American driver pays. Ohio drivers pay an average of $1,596 per year for full coverage and $433 per year for minimum coverage. In the U.S., the average cost of car insurance is $767 per year for minimum coverage and $2,638 per year for full coverage. While car insurance premiums can vary greatly between states, there are also other factors that go into determining your rates within the same state. In Ohio, your ZIP code, vehicle type, age, insurance company, coverage selections, credit history and gender may also influence what you pay for car insurance.

Key takeaways

  • The average cost of car insurance in Ohio rounds out to about $133 per month for full coverage and just $36 per month for minimum coverage.
  • According to Bankrate's analysis, the average rate for full coverage car insurance in Ohio is roughly 38 percent less than the national average of $2,638.
  • 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 96 percent more.

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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