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Average cost of car insurance in Ohio for 2024
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Powered by Coverage.com (NPN: 19966249)
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 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 $1,497 per year for full coverage and $400 per year for minimum coverage. In the U.S., the average cost of car insurance is $639 per year for minimum coverage and $2,348 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 $125 per month for full coverage and just $33 per month for minimum coverage.
- According to Bankrate's analysis, the average rate for full coverage car insurance in Ohio is roughly 36 percent less than the national average of $2,348.
- 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.
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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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Newport | $1,762 | -15% |
| Smyrna | $1,791 | -13% |
| Trenton | $2,128 | +4% |
| Boomer | $1,959 | -4% |
| Ennice | $1,939 | -5% |
| Hays | $1,957 | -4% |
| Jonesville | $1,935 | -5% |
| Lansing | $1,933 | -5% |
| North Wilkesboro | $1,950 | -4% |
| Piney Creek | $1,970 | -4% |
| Greensboro | $2,091 | +2% |
| Broadway | $2,090 | +2% |
| Fuquay Varina | $2,071 | +1% |
| Goldsboro | $2,043 | +0% |
| New Hill | $1,932 | -5% |
| Willow Spring | $2,057 | +1% |
| Raleigh | $1,947 | -5% |
| Durham | $1,958 | -4% |
| Rocky Mount | $2,090 | +2% |
| Conetoe | $2,175 | +6% |
| Bear Creek | $1,955 | -4% |
| Cumnock | $2,139 | +5% |
| Elon | $1,931 | -5% |
| Haw River | $1,922 | -6% |
| Lexington | $1,943 | -5% |
| Randleman | $1,927 | -6% |
| Reidsville | $1,960 | -4% |
| Seagrove | $1,955 | -4% |
| Snow Camp | $1,952 | -4% |
| Burlington | $1,925 | -6% |
| Ether | $2,000 | -2% |
| Highfalls | $2,020 | -1% |
| High Point | $2,105 | +3% |
| Kernersville | $1,811 | -12% |
| Leasburg | $2,218 | +8% |
| Linwood | $2,051 | +1% |
| Oak Ridge | $1,839 | -10% |
| Staley | $1,953 | -4% |
| Swepsonville | $2,003 | -2% |
| Thomasville | $1,945 | -5% |
| Biscoe | $1,949 | -5% |
| Colfax | $1,837 | -10% |
| Mebane | $1,920 | -6% |
| Candor | $1,979 | -3% |
| Sanford | $2,083 | +2% |
| Summerfield | $1,847 | -10% |
| Trinity | $1,940 | -5% |
| West End | $1,944 | -5% |
| Goldston | $1,948 | -5% |
| Pleasant Garden | $1,943 | -5% |
| Star | $1,951 | -4% |
| Rodanthe | $1,969 | -4% |
| Stumpy Point | $1,948 | -5% |
| Sunbury | $2,182 | +7% |
| Alexis | $2,001 | -2% |
| Chapel Hill | $1,700 | -18% |
| Clayton | $2,087 | +2% |
| Franklinton | $2,175 | +6% |
| Louisburg | $2,166 | +6% |
| Manson | $2,166 | +6% |
| Cary | $1,749 | -15% |
| Apex | $1,746 | -16% |
| Rolesville | $1,923 | -6% |
| Wake Forest | $1,868 | -9% |
| Efland | $1,967 | -4% |
| Eden | $1,954 | -4% |
| Liberty | $1,946 | -5% |
| Mc Leansville | $1,941 | -5% |
| Mount Gilead | $1,984 | -3% |
| Ruffin | $2,182 | +7% |
| Pinetops | $2,170 | +6% |
| Pleasant Hill | $2,167 | +6% |
| Fayetteville | $2,299 | +12% |
| Wilkesboro | $1,967 | -4% |
| Scotts | $2,039 | -0% |
| Cedar Mountain | $1,877 | -8% |
| Fairview | $1,809 | -12% |
| Fontana Dam | $1,872 | -9% |
| Pisgah Forest | $1,831 | -11% |
| Scaly Mountain | $1,873 | -9% |
| Zirconia | $1,829 | -11% |
| Youngsville | $2,168 | +6% |
| Chocowinity | $2,119 | +4% |
| Bethel | $2,113 | +4% |
| Fairfield | $2,254 | +10% |
| Farmville | $2,155 | +5% |
| Barnardsville | $1,799 | -13% |
| Enka | $1,882 | -8% |
| Green Mountain | $1,911 | -7% |
| Mill Spring | $1,898 | -7% |
| Penland | $1,975 | -3% |
| Hendersonville | $1,830 | -11% |
| Bath | $2,213 | +8% |
| Belhaven | $2,215 | +8% |
| Elm City | $2,148 | +5% |
| Greenville | $2,125 | +4% |
| East Bend | $1,936 | -5% |
| Germanton | $1,815 | -12% |
| Madison | $1,954 | -4% |
| Rural Hall | $1,812 | -12% |
| Winston Salem | $1,864 | -9% |
| Almond | $1,802 | -12% |
| Candler | $1,803 | -12% |
| Clyde | $1,812 | -12% |
| East Flat Rock | $1,829 | -11% |
| Etowah | $1,831 | -11% |
| Flat Rock | $1,845 | -10% |
| Fletcher | $1,852 | -10% |
| Glenville | $1,859 | -9% |
| Lake Toxaway | $1,812 | -12% |
| Micaville | $1,968 | -4% |
| Topton | $1,812 | -12% |
| Aulander | $2,197 | +7% |
| Blounts Creek | $2,124 | +4% |
| Fremont | $2,117 | +4% |
| Lewisville | $1,798 | -13% |
| Clinton | $2,168 | +6% |
| Dunn | $2,077 | +2% |
| Hoffman | $2,306 | +12% |
| Linden | $2,116 | +4% |
| Lumberton | $2,355 | +14% |
| Rockingham | $2,261 | +10% |
| Tar Heel | $2,399 | +16% |
| Wilmington | $1,871 | -9% |
| Kittrell | $2,163 | +6% |
| Middlesex | $2,139 | +5% |
| Moncure | $1,944 | -5% |
| Norlina | $2,176 | +6% |
| Bennett | $1,957 | -4% |
| Bynum | $2,013 | -1% |
| Denton | $1,958 | -4% |
| Graham | $1,925 | -6% |
| Providence | $2,181 | +7% |
| Saxapahaw | $2,003 | -2% |
| Troy | $1,957 | -4% |
| Benson | $2,061 | +1% |
| Butner | $2,141 | +5% |
| Carrboro | $1,677 | -20% |
| Kipling | $2,134 | +5% |
| Macon | $2,191 | +7% |
| Princeton | $2,069 | +1% |
| Stem | $2,148 | +5% |
| Oxford | $2,212 | +8% |
| Bullock | $2,195 | +7% |
| Creedmoor | $2,158 | +6% |
| Garner | $2,072 | +2% |
| Roxboro | $2,209 | +8% |
| Timberlake | $2,204 | +8% |
| Vaughan | $2,219 | +8% |
| Bunn | $2,188 | +7% |
| Calypso | $2,142 | +5% |
| Falcon | $2,179 | +7% |
| Godwin | $2,113 | +4% |
| Red Springs | $2,354 | +14% |
| Sandy Ridge | $1,972 | -3% |
| Stoneville | $1,958 | -4% |
| Asheboro | $1,932 | -5% |
| Lawsonville | $1,960 | -4% |
| Holly Springs | $1,734 | -16% |
| Ridgeway | $2,222 | +9% |
| Selma | $2,080 | +2% |
| Blanch | $2,226 | +9% |
| Browns Summit | $1,941 | -5% |
| Climax | $1,933 | -5% |
| Franklinville | $1,931 | -5% |
| Gibsonville | $1,932 | -5% |
| Pittsboro | $1,954 | -4% |
| Sedalia | $1,978 | -3% |
| Siler City | $1,954 | -4% |
| Bonlee | $2,007 | -2% |
| Jackson Springs | $1,949 | -5% |
| Jamestown | $1,834 | -11% |
| Julian | $1,940 | -5% |
| Ramseur | $1,934 | -5% |
| Robbins | $1,967 | -4% |
| Kenly | $2,114 | +4% |
| Knightdale | $2,186 | +7% |
| Wendell | $2,076 | +2% |
| Cedar Grove | $1,975 | -3% |
| Milton | $2,200 | +8% |
| Prospect Hill | $2,182 | +7% |
| Semora | $2,211 | +8% |
| Stokesdale | $1,931 | -6% |
| Whitsett | $1,940 | -5% |
| Wise | $2,222 | +9% |
| Balsam | $1,859 | -9% |
| Canton | $1,823 | -11% |
| Gerton | $1,879 | -8% |
| Sapphire | $1,884 | -8% |
| Tuxedo | $1,909 | -7% |
| Waynesville | $1,825 | -11% |
| Union Grove | $1,942 | -5% |
| Zionville | $1,906 | -7% |
| Balsam Grove | $1,880 | -8% |
| Black Mountain | $1,798 | -13% |
| Cashiers | $1,821 | -11% |
| Cherokee | $1,824 | -11% |
| Horse Shoe | $1,846 | -10% |
| Otto | $1,802 | -12% |
| Ridgecrest | $1,869 | -9% |
| Spruce Pine | $1,892 | -8% |
| Whittier | $1,815 | -12% |
| Hurdle Mills | $2,188 | +7% |
| Lillington | $2,090 | +2% |
| Smithfield | $2,058 | +1% |
| Leicester | $1,798 | -13% |
| Marion | $1,891 | -8% |
| Naples | $1,902 | -7% |
| Old Fort | $1,798 | -13% |
| Penrose | $1,827 | -11% |
| Sylva | $1,822 | -11% |
| Bakersville | $1,895 | -7% |
| Bat Cave | $1,914 | -6% |
| Castalia | $2,177 | +7% |
| Edward | $2,152 | +5% |
| Bahama | $2,009 | -2% |
| Four Oaks | $2,052 | +1% |
| Henderson | $2,171 | +6% |
| Morrisville | $1,736 | -16% |
| Stovall | $2,247 | +10% |
| Warrenton | $2,169 | +6% |
| Zebulon | $2,092 | +2% |
| Battleboro | $2,117 | +4% |
| Bellarthur | $2,193 | +7% |
| Asheville | $1,823 | -11% |
| Angier | $2,078 | +2% |
| Aurora | $2,131 | +4% |
| Bailey | $2,129 | +4% |
| Cedar Falls | $1,993 | -2% |
| Eagle Springs | $1,964 | -4% |
| Hillsborough | $1,983 | -3% |
| Pelham | $2,190 | +7% |
| Sophia | $1,939 | -5% |
| Yanceyville | $2,178 | +7% |
| Atkinson | $2,189 | +7% |
| Burgaw | $2,136 | +5% |
| Cerro Gordo | $2,410 | +17% |
| Currie | $2,174 | +6% |
| Garland | $2,171 | +6% |
| Rose Hill | $2,184 | +7% |
| Tabor City | $2,395 | +16% |
| Ocean Isle Beach | $1,778 | -14% |
| Gloucester | $1,795 | -13% |
| Grifton | $2,141 | +5% |
| Camp Lejeune | $1,991 | -2% |
| Mccutcheon Field | $2,044 | +0% |
| Everetts | $2,162 | +6% |
| Enfield | $2,184 | +7% |
| Gaston | $2,154 | +5% |
| Coats | $2,084 | +2% |
| Rougemont | $2,199 | +7% |
| Charlotte | $2,283 | +11% |
| Powells Point | $1,874 | -8% |
| Wanchese | $1,869 | -9% |
| Gastonia | $2,305 | +12% |
| Kings Mountain | $2,191 | +7% |
| Mc Adenville | $2,214 | +8% |
| Ansonville | $2,296 | +12% |
| Gold Hill | $2,063 | +1% |
| Kannapolis | $2,064 | +1% |
| Lincolnton | $2,184 | +7% |
| Mc Farlan | $2,319 | +13% |
| Midland | $2,102 | +3% |
| Mooresville | $1,970 | -3% |
| Woodleaf | $2,053 | +1% |
| Scotland Neck | $2,205 | +8% |
| Seaboard | $2,175 | +6% |
| Whitakers | $2,171 | +6% |
| Wilson | $2,204 | +8% |
| Eure | $2,197 | +7% |
| Kitty Hawk | $1,894 | -7% |
| Moyock | $1,903 | -7% |
| Nags Head | $1,893 | -7% |
| Brasstown | $1,833 | -11% |
| Roper | $2,193 | +7% |
| Bostic | $1,907 | -7% |
| Ellenboro | $1,919 | -6% |
| Locust | $1,963 | -4% |
| Jackson | $2,181 | +7% |
| Jamesville | $2,169 | +6% |
| Littleton | $2,162 | +6% |
| Stokes | $2,117 | +4% |
| Monroe | $2,335 | +13% |
| Valdese | $1,974 | -3% |
| Arden | $1,808 | -12% |
| Burnsville | $1,880 | -8% |
| Franklin | $1,793 | -13% |
| Robbinsville | $1,795 | -13% |
| Tuckasegee | $1,801 | -12% |
| Waves | $1,948 | -5% |
| Winfall | $2,182 | +7% |
| Cherryville | $2,170 | +6% |
| China Grove | $2,065 | +1% |
| Concord | $2,089 | +2% |
| Crouse | $2,183 | +7% |
| Dillsboro | $1,894 | -7% |
| Hot Springs | $1,829 | -11% |
| Little Switzerland | $1,955 | -4% |
| Nebo | $1,891 | -8% |
| Columbus | $1,907 | -7% |
| Cullowhee | $1,820 | -11% |
| Hazelwood | $1,890 | -8% |
| Maggie Valley | $1,826 | -11% |
| Marshall | $1,796 | -13% |
| Lawndale | $2,177 | +6% |
| Mount Pleasant | $1,971 | -3% |
| Kelford | $2,185 | +7% |
| Macclesfield | $2,124 | +4% |
| Pinetown | $2,202 | +8% |
| Rich Square | $2,183 | +7% |
| Severn | $2,228 | +9% |
| Frisco | $1,882 | -8% |
| Sharpsburg | $2,089 | +2% |
| Sims | $2,139 | +5% |
| Walstonburg | $2,172 | +6% |
| Elizabeth City | $1,886 | -8% |
| Barco | $1,890 | -8% |
| Creswell | $2,179 | +7% |
| Gates | $2,196 | +7% |
| Merry Hill | $2,193 | +7% |
| Hayesville | $1,806 | -12% |
| Grimesland | $2,114 | +4% |
| Margarettsville | $2,174 | +6% |
| Parmele | $2,155 | +5% |
| Aydlett | $1,906 | -7% |
| Belvidere | $2,185 | +7% |
| Hatteras | $1,895 | -7% |
| Knotts Island | $1,897 | -7% |
| Pope Army Airfield | $2,329 | +13% |
| Fairmont | $2,361 | +15% |
| Hope Mills | $2,322 | +13% |
| Lakeview | $2,024 | -1% |
| Maxton | $2,308 | +12% |
| Stedman | $2,121 | +4% |
| Seven Springs | $2,128 | +4% |
| Swansboro | $1,787 | -13% |
| Catawba | $1,955 | -4% |
| Conover | $1,964 | -4% |
| Grassy Creek | $1,917 | -6% |
| Roaring River | $1,962 | -4% |
| Taylorsville | $1,968 | -4% |
| Engelhard | $2,246 | +10% |
| Garysburg | $2,164 | +6% |
| Brunswick | $2,432 | +18% |
| Clarendon | $2,396 | +16% |
| Riegelwood | $2,138 | +5% |
| Ernul | $2,165 | +6% |
| Grantsboro | $1,792 | -13% |
| Marshallberg | $1,832 | -11% |
| Morehead City | $1,760 | -15% |
| Spindale | $1,912 | -7% |
| Salisbury | $2,060 | +1% |
| Shelby | $2,167 | +6% |
| Spencer | $2,058 | +1% |
| Vale | $2,174 | +6% |
| Murphy | $1,819 | -11% |
| Pollocksville | $2,106 | +3% |
| Richlands | $1,998 | -2% |
| Hickory | $1,972 | -3% |
| Culberson | $1,901 | -7% |
| Dudley | $2,028 | -1% |
| Erwin | $2,101 | +3% |
| Marston | $2,342 | +14% |
| Todd | $1,951 | -4% |
| Traphill | $1,954 | -4% |
| Warrensville | $1,928 | -6% |
| West Jefferson | $1,923 | -6% |
| Highlands | $1,795 | -13% |
| Lake Lure | $1,902 | -7% |
| Rosman | $1,867 | -9% |
| Skyland | $1,880 | -8% |
| Norman | $2,025 | -1% |
| Pinehurst | $1,919 | -6% |
| Spring Lake | $2,316 | +13% |
| Turkey | $2,173 | +6% |
| Wagram | $2,290 | +12% |
| Mount Airy | $1,935 | -5% |
| Barnesville | $2,397 | +16% |
| Elizabethtown | $2,388 | +16% |
| Olivia | $2,158 | +6% |
| Dobson | $1,932 | -5% |
| Mocksville | $1,832 | -11% |
| Walnut Cove | $1,945 | -5% |
| Yadkinville | $1,932 | -5% |
| New Bern | $1,775 | -14% |
| Salter Path | $1,805 | -12% |
| Stella | $1,780 | -14% |
| Vanceboro | $2,143 | +5% |
| Winterville | $2,132 | +4% |
| Creston | $1,919 | -6% |
| Glen Alpine | $1,981 | -3% |
| Dublin | $2,426 | +17% |
| Kenansville | $2,132 | +4% |
| Laurinburg | $2,283 | +11% |
| Mount Olive | $2,128 | +4% |
| Pembroke | $2,357 | +14% |
| Saint Pauls | $2,365 | +15% |
| Vass | $1,955 | -4% |
| Wade | $2,166 | +6% |
| Clarkton | $2,395 | +16% |
| Kelly | $2,196 | +7% |
| Bridgeton | $1,873 | -9% |
| Cherry Point | $1,825 | -11% |
| Jacksonville | $1,974 | -3% |
| Advance | $1,834 | -11% |
| Pine Hall | $1,957 | -4% |
| Ararat | $1,932 | -5% |
| Cooleemee | $1,839 | -10% |
| Danbury | $1,952 | -4% |
| Pfafftown | $1,810 | -12% |
| Siloam | $1,924 | -6% |
| Alamance | $2,003 | -2% |
| King | $1,805 | -12% |
| Pilot Mountain | $1,927 | -6% |
| Boonville | $1,940 | -5% |
| Pinnacle | $1,939 | -5% |
| Badin | $1,964 | -4% |
| Clemmons | $1,813 | -12% |
| Mayodan | $1,953 | -4% |
| Westfield | $1,949 | -5% |
| Oakboro | $1,962 | -4% |
| Paw Creek | $2,311 | +12% |
| Polkville | $2,310 | +12% |
| Union Mills | $1,910 | -7% |
| Waxhaw | $2,051 | +1% |
| Tarboro | $2,127 | +4% |
| Avon | $1,886 | -8% |
| Hobbsville | $2,198 | +7% |
| Kill Devil Hills | $1,883 | -8% |
| Manns Harbor | $1,898 | -7% |
| Ocracoke | $1,898 | -7% |
| Chadbourn | $2,402 | +16% |
| Delco | $2,135 | +5% |
| Supply | $2,020 | -1% |
| Calabash | $1,757 | -15% |
| Arapahoe | $1,792 | -13% |
| Atlantic | $1,785 | -13% |
| Beulaville | $2,146 | +5% |
| Tarawa Terrace | $1,995 | -2% |
| Hamptonville | $1,942 | -5% |
| Hassell | $2,217 | +8% |
| Nashville | $2,120 | +4% |
| Scranton | $2,247 | +10% |
| Stantonsburg | $2,158 | +6% |
| Williamston | $2,115 | +4% |
| Cofield | $2,195 | +7% |
| Jarvisburg | $1,893 | -7% |
| Marble | $1,800 | -13% |
| Bessemer City | $2,333 | +13% |
| Caroleen | $1,972 | -3% |
| Casar | $2,175 | +6% |
| Cornelius | $1,958 | -4% |
| Lowell | $2,224 | +9% |
| Evergreen | $2,413 | +17% |
| Hallsboro | $2,397 | +16% |
| Leland | $2,016 | -1% |
| Magnolia | $2,129 | +4% |
| Southport | $1,833 | -11% |
| Ayden | $2,156 | +6% |
| Beaufort | $1,759 | -15% |
| Davis | $1,797 | -13% |
| Hobucken | $2,194 | +7% |
| Point Harbor | $1,930 | -6% |
| Roduco | $2,231 | +9% |
| South Mills | $1,909 | -7% |
| Winton | $2,186 | +7% |
| Albemarle | $1,956 | -4% |
| Belmont | $2,220 | +8% |
| Dallas | $2,330 | +13% |
| Iron Station | $2,180 | +7% |
| Landis | $2,070 | +1% |
| Robersonville | $2,111 | +3% |
| Roxobel | $2,235 | +9% |
| Currituck | $1,950 | -5% |
| Harbinger | $1,919 | -6% |
| Harrellsville | $2,200 | +8% |
| Hertford | $2,175 | +6% |
| Maple | $1,960 | -4% |
| Aberdeen | $1,954 | -4% |
| Autryville | $2,183 | +7% |
| Bunnlevel | $2,325 | +13% |
| Stacy | $1,873 | -9% |
| Williston | $1,862 | -9% |
| Claremont | $1,968 | -4% |
| Glendale Springs | $1,966 | -4% |
| Hildebran | $1,968 | -4% |
| Roaring Gap | $2,011 | -1% |
| Lowgap | $1,947 | -5% |
| Tobaccoville | $1,812 | -12% |
| Walkertown | $1,816 | -12% |
| Wilsons Mills | $2,113 | +4% |
| Como | $2,210 | +8% |
| Conway | $2,183 | +7% |
| Fountain | $2,167 | +6% |
| Earl | $2,229 | +9% |
| Forest City | $1,916 | -6% |
| Harrisburg | $2,091 | +2% |
| Lattimore | $2,221 | +8% |
| Richfield | $1,954 | -4% |
| Rutherfordton | $1,921 | -6% |
| Grover | $2,179 | +7% |
| Indian Trail | $2,122 | +4% |
| Morven | $2,281 | +11% |
| Mount Holly | $2,220 | +8% |
| Ellerbe | $1,964 | -4% |
| Gibson | $2,297 | +12% |
| Lumber Bridge | $2,377 | +15% |
| Rex | $2,433 | +18% |
| Southern Pines | $1,933 | -5% |
| Cameron | $2,080 | +2% |
| Cumberland | $2,366 | +15% |
| Faison | $2,136 | +5% |
| Lemon Springs | $2,158 | +6% |
| Pink Hill | $2,136 | +5% |
| Sealevel | $1,856 | -9% |
| Banner Elk | $1,925 | -6% |
| Crossnore | $1,992 | -2% |
| Glade Valley | $1,965 | -4% |
| Lenoir | $1,954 | -4% |
| Harmony | $1,956 | -4% |
| Maiden | $1,973 | -3% |
| Newton | $1,967 | -4% |
| Stony Point | $1,968 | -4% |
| Proctorville | $2,397 | +16% |
| Raeford | $2,329 | +13% |
| Laurel Hill | $2,284 | +11% |
| Newton Grove | $2,169 | +6% |
| Parkton | $2,377 | +15% |
| Pinebluff | $1,951 | -4% |
| Rowland | $2,360 | +15% |
| Salemburg | $2,174 | +6% |
| Shannon | $2,368 | +15% |
| Warsaw | $2,133 | +4% |
| Rockwell | $2,065 | +1% |
| Statesville | $1,958 | -4% |
| Brevard | $1,804 | -12% |
| Lake Junaluska | $1,787 | -13% |
| Mars Hill | $1,841 | -10% |
| Mills River | $1,821 | -11% |
| Saluda | $1,904 | -7% |
| Weaverville | $1,798 | -13% |
| Deep Gap | $1,894 | -7% |
| Jonas Ridge | $1,993 | -2% |
| Laurel Springs | $1,970 | -3% |
| Olin | $1,949 | -5% |
| Sherrills Ford | $1,970 | -3% |
| State Road | $1,937 | -5% |
| Plymouth | $2,171 | +6% |
| Shawboro | $1,894 | -7% |
| Huntersville | $1,967 | -4% |
| Matthews | $2,123 | +4% |
| Mooresboro | $2,178 | +7% |
| Oak City | $2,164 | +6% |
| Pendleton | $2,208 | +8% |
| Pikeville | $2,037 | -0% |
| Roanoke Rapids | $2,152 | +5% |
| Camden | $1,880 | -8% |
| Columbia | $2,189 | +7% |
| Corolla | $1,906 | -7% |
| Henrietta | $2,183 | +7% |
| Lilesville | $2,291 | +12% |
| Marshville | $2,340 | +14% |
| Mount Mourne | $2,034 | -0% |
| Poplar Branch | $1,955 | -4% |
| Salvo | $1,951 | -4% |
| Shiloh | $1,881 | -8% |
| Windsor | $2,173 | +6% |
| Fallston | $2,227 | +9% |
| Mount Ulla | $2,120 | +4% |
| Newell | $2,684 | +27% |
| Halifax | $2,176 | +6% |
| Lewiston Woodville | $2,226 | +9% |
| Simpson | $2,164 | +6% |
| Speed | $2,221 | +8% |
| Spring Hope | $2,120 | +4% |
| Buxton | $1,953 | -4% |
| Durants Neck | $2,222 | +9% |
| Gatesville | $2,194 | +7% |
| Grandy | $1,901 | -7% |
| Manteo | $1,876 | -8% |
| Bolivia | $2,014 | -1% |
| Carolina Beach | $1,856 | -9% |
| Holly Ridge | $1,777 | -14% |
| Shallotte | $2,015 | -1% |
| Albertson | $2,137 | +5% |
| Hookerton | $2,158 | +6% |
| Fair Bluff | $2,392 | +16% |
| Hampstead | $1,831 | -11% |
| Lake Waccamaw | $2,142 | +5% |
| Teachey | $2,134 | +5% |
| Winnabow | $2,021 | -1% |
| Kinston | $2,066 | +1% |
| Atlantic Beach | $1,767 | -14% |
| Cedar Island | $1,933 | -5% |
| Havelock | $1,779 | -14% |
| Maysville | $1,782 | -13% |
| Boone | $1,946 | -5% |
| Hiddenite | $1,935 | -5% |
| Hudson | $1,967 | -4% |
| Linville Falls | $1,966 | -4% |
| Rutherford College | $1,981 | -3% |
| Sugar Grove | $1,892 | -8% |
| Morganton | $1,973 | -3% |
| Crumpler | $1,912 | -7% |
| Elkin | $1,933 | -5% |
| Purlear | $1,957 | -4% |
| Oriental | $1,801 | -12% |
| Snow Hill | $2,150 | +5% |
| Drexel | $1,981 | -3% |
| Scottville | $1,997 | -2% |
| Vandemere | $2,181 | +7% |
| Emerald Isle | $1,778 | -14% |
| Blowing Rock | $1,917 | -6% |
| Ferguson | $1,938 | -5% |
| Mc Grady | $2,018 | -1% |
| Moravian Falls | $1,943 | -5% |
| Newland | $1,918 | -6% |
| Sparta | $1,951 | -4% |
| Thurmond | $1,938 | -5% |
| Connellys Springs | $1,964 | -4% |
| Granite Falls | $1,962 | -4% |
| Jefferson | $1,909 | -7% |
| Millers Creek | $1,959 | -4% |
| Ronda | $1,938 | -5% |
| Terrell | $1,976 | -3% |
| Collettsville | $1,909 | -7% |
| Elk Park | $1,901 | -7% |
| Fleetwood | $1,914 | -6% |
| Pineola | $1,992 | -2% |
| Pineville | $2,282 | +11% |
| Henrico | $2,186 | +7% |
| Hollister | $2,199 | +7% |
| Lucama | $2,130 | +4% |
| New London | $1,956 | -4% |
| Wadesboro | $2,293 | +12% |
| Wingate | $2,341 | +14% |
| Peachland | $2,353 | +14% |
| Stanley | $1,969 | -4% |
| Hamlet | $2,264 | +10% |
| White Oak | $2,396 | +16% |
| Norwood | $1,963 | -4% |
| Polkton | $2,314 | +13% |
| Waco | $2,230 | +9% |
| Ivanhoe | $2,151 | +5% |
| Longwood | $2,134 | +4% |
| Nakina | $2,402 | +16% |
| Sneads Ferry | $1,779 | -14% |
| Deep Run | $2,129 | +4% |
| Dover | $2,152 | +5% |
| La Grange | $2,027 | -1% |
| Fort Bragg | $2,320 | +13% |
| Bladenboro | $2,389 | +16% |
| Carthage | $1,952 | -4% |
| Marietta | $2,397 | +16% |
| Orrum | $2,366 | +15% |
| Roseboro | $2,163 | +6% |
| Murfreesboro | $2,186 | +7% |
| Potecasi | $2,225 | +9% |
| Weldon | $2,177 | +6% |
| Woodland | $2,195 | +7% |
| Ahoskie | $2,186 | +7% |
| Coinjock | $1,952 | -4% |
| Corapeake | $2,192 | +7% |
| Kure Beach | $1,839 | -10% |
| Oak Island | $1,825 | -11% |
| Sunset Beach | $1,773 | -14% |
| Bayboro | $2,102 | +3% |
| Chinquapin | $2,132 | +4% |
| Lowland | $2,212 | +8% |
| Hobgood | $2,188 | +7% |
| Tillery | $2,231 | +9% |
| Edenton | $2,185 | +7% |
| Stanfield | $1,978 | -3% |
| Troutman | $1,975 | -3% |
| Wallace | $2,138 | +5% |
| Willard | $2,148 | +5% |
| Cramerton | $2,209 | +8% |
| Misenheimer | $1,969 | -4% |
| Tryon | $1,903 | -7% |
| Warne | $1,868 | -9% |
| Bolton | $2,145 | +5% |
| Council | $2,392 | +16% |
| Whiteville | $2,409 | +17% |
| Wrightsville Beach | $1,847 | -10% |
| Harkers Island | $1,770 | -14% |
| Midway Park | $1,986 | -3% |
| Hamilton | $2,163 | +6% |
| Pantego | $2,218 | +8% |
| Swanquarter | $2,205 | +8% |
| Washington | $2,119 | +4% |
| Colerain | $2,191 | +7% |
| Andrews | $1,811 | -12% |
| Ash | $2,130 | +4% |
| Castle Hayne | $2,034 | -0% |
| Vilas | $1,900 | -7% |
| Alexander | $1,789 | -13% |
| Bryson City | $1,813 | -12% |
| Lynn | $1,969 | -4% |
| Montreat | $1,869 | -9% |
| Swannanoa | $1,796 | -13% |
| Harrells | $2,171 | +6% |
| Maple Hill | $2,178 | +7% |
| Rocky Point | $2,175 | +6% |
| Comfort | $2,183 | +7% |
| Cove City | $2,117 | +4% |
| Hubert | $1,784 | -13% |
| Merritt | $1,802 | -12% |
| Belews Creek | $1,822 | -11% |
| Cleveland | $2,052 | +1% |
| Powellsville | $2,216 | +8% |
| Tyner | $2,183 | +7% |
| Barium Springs | $2,018 | -1% |
| Davidson | $1,997 | -2% |
| Denver | $1,977 | -3% |
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
|
Average annual full coverage premium in OH
|
Average minimum coverage premium in OH
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in OH
$3,727
|
Average minimum coverage premium in OH
$1,088
|
|
Age 18
|
Average annual full coverage premium in OH
$4,720
|
Average minimum coverage premium in OH
$1,477
|
|
Age 20
|
Average annual full coverage premium in OH
$3,618
|
Average minimum coverage premium in OH
$995
|
|
Age 25
|
Average annual full coverage premium in OH
$1,984
|
Average minimum coverage premium in OH
$528
|
|
Age 30
|
Average annual full coverage premium in OH
$1,631
|
Average minimum coverage premium in OH
$428
|
|
Age 40
|
Average annual full coverage premium in OH
$1,498
|
Average minimum coverage premium in OH
$404
|
|
Age 50
|
Average annual full coverage premium in OH
$1,385
|
Average minimum coverage premium in OH
$381
|
|
Age 60
|
Average annual full coverage premium in OH
$1,340
|
Average minimum coverage premium in OH
$377
|
|
Age 70
|
Average annual full coverage premium in OH
$1,551
|
Average minimum coverage premium in OH
$453
|
|
Age
|
Average annual full coverage premium in OH
|
Average minimum coverage premium in OH
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in OH
$3,248
|
Average minimum coverage premium in OH
$978
|
|
Age 18
|
Average annual full coverage premium in OH
$4,331
|
Average minimum coverage premium in OH
$1,308
|
|
Age 20
|
Average annual full coverage premium in OH
$3,128
|
Average minimum coverage premium in OH
$897
|
|
Age 25
|
Average annual full coverage premium in OH
$1,834
|
Average minimum coverage premium in OH
$516
|
|
Age 30
|
Average annual full coverage premium in OH
$1,590
|
Average minimum coverage premium in OH
$432
|
|
Age 40
|
Average annual full coverage premium in OH
$1,495
|
Average minimum coverage premium in OH
$395
|
|
Age 50
|
Average annual full coverage premium in OH
$1,284
|
Average minimum coverage premium in OH
$386
|
|
Age 60
|
Average annual full coverage premium in OH
$1,313
|
Average minimum coverage premium in OH
$376
|
|
Age 70
|
Average annual full coverage premium in OH
$1,501
|
Average minimum coverage premium in OH
$444
|
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:
|
Age
|
Avg. annual premium for drivers in OH
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in OH
$3,487
|
|
Age 17
|
Avg. annual premium for drivers in OH
$3,231
|
|
Age 18
|
Avg. annual premium for drivers in OH
$3,038
|
|
Age 19
|
Avg. annual premium for drivers in OH
$2,754
|
|
Age 20
|
Avg. annual premium for drivers in OH
$2,604
|
|
Age
|
Avg. annual premium for drivers in OH
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in OH
$4,525
|
|
Age 19
|
Avg. annual premium for drivers in OH
$3,722
|
|
Age 20
|
Avg. annual premium for drivers in OH
$3,373
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 49 percent more |
| Age 19 | 35 percent more |
| Age 20 | 30 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
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:
|
Driving incident
|
Avg. annual premium* in OH
|
Percentage increase from OH avg. annual premium*
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in OH
$1,497
|
Percentage increase from OH avg. annual premium*
0%
|
|
Avg. annual premium* in OH
$1,801
|
Percentage increase from OH avg. annual premium*
20%
|
|
|
Avg. annual premium* in OH
$2,184
|
Percentage increase from OH avg. annual premium*
46%
|
|
|
Avg. annual premium* in OH
$2,882
|
Percentage increase from OH avg. annual premium*
93%
|
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:
|
Credit tier
|
Avg. annual premium* in OH
|
Percentage change from OH average annual premium*
|
|---|---|---|
|
Avg. annual premium* in OH
$3,030
|
Percentage change from OH average annual premium*
102%
|
|
|
Average
|
Avg. annual premium* in OH
$1,643
|
Percentage change from OH average annual premium*
10%
|
|
Avg. annual premium* in OH
$1,497
|
Percentage change from OH average annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in OH
$1,194
|
Percentage change from OH average annual premium*
-20%
|
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.
|
Vehicle
|
Avg. annual premium* in OH
|
|---|---|
|
Avg. annual premium* in OH
$1,497
|
|
|
Avg. annual premium* in OH
$1,331
|
|
|
Avg. annual premium* in OH
$1,272
|
|
|
BMW 330i
|
Avg. annual premium* in OH
$1,735
|
|
Toyota Prius
|
Avg. annual premium* in OH
$1,516
|
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.
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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.