Average cost of car insurance in Ohio for 2021

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Drivers in Ohio are legally required to carry at least 25/50/25 car insurance, which includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident and $25,000 in property damage liability coverage per accident. The average cost of car insurance in Ohio is $328 for a minimum coverage policy and $1,034 for a full coverage policy.

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 your driving record will also impact your premium.

The good news is that Ohio drivers pay significantly lower rates for car insurance than the average American. In the United States, the average cost of car insurance is $565 per year for minimum coverage and $1,674 per year for full coverage.

That means Ohio drivers pay $640 less for full coverage car insurance and $237 less for minimum coverage car insurance than the average American driver.

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, like USAA and American family, offer cheap car insurance, and others, like MetLife, offer more expensive rates. 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 premium for minimum coverage Average annual premium for full coverage
Allstate $357 $1,292
American Family $388 $865
Auto-Owners $325 $1,035
Celina $329 $1,260
Central $446 $1,162
Donegal $474 $944
Erie $259 $974
Farmers $357 $913
Frankenmuth $302 $1,177
Geico $306 $843
Hastings Mutual $292 $758
MetLife $539 $1,350
Motorists $295 $1,137
Progressive $357 $998
State Farm $288 $906
USAA $247 $820
Westfield $337 $1,234

Ohio car insurance rates by city

Ohio car insurance rates are more expensive in certain cities due to factors like crime rate, the number of uninsured drivers, the risk of severe weather and more. In the table below, we highlighted the average cost of car insurance in Ohio’s top 20 most populated cities, and noted how the average premium compares to the statewide average rate.

City Average annual premium for full coverage % difference from state average annual premium
Columbus $1,167 13%
Cleveland $1,362 32%
Cincinnati $1,149 11%
Toledo $1,195 16%
Akron $1,110 7%
Dayton $1,069 3%
Canton $1,065 3%
Hamilton $1,068 3%
Youngstown $1,237 20%
Springfield $1,021 -1%
Parma $997 -4%
Mansfield $930 -10%
Lima $963 -7%
Middletown $1,020 -1%
Lorain $979 -5%
Elyria $968 -6%
Westerville $1,071 4%
Medina $925 -11%
Lancaster $1,021 -1%
Massillon $1,003 -3%

Ohio car insurance rates by age

Young drivers usually pay the highest car insurance rates because they have been on the road for the least amount of time. Once you turn 25, car insurance rates generally start to drop, barring any other issues, like a poor driving record (more on that next). Here are the average annual car insurance premiums in Ohio for different age groups.

Age Average annual premium in Ohio
Age 16* $1,647
Age 18 $3,629
Age 20 $2,682
Age 25 $1,462
Age 30 $1,240
Age 40 $1,174
Age 50 $1,053
Age 60 $1,023
Age 70 $1,146

*16 year old calculated on parent’s policy disclosure

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 or accident, your rate will go up. 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 average annual premium
Speeding ticket $1,219 17%
Accident $1,467 41%
DUI $2,188 111%

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 installments, your car insurance carrier will probably lower your rate.
  • Improve your credit score: The higher your credit score is, the lower your car insurance rate will generally be. Improving your credit score is one of the most effective ways to save money.
  • 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

How much is car insurance in Ohio per month?

On average, Ohio drivers pay $328 annually for a minimum coverage policy and $1,034 annually for a full coverage policy. That ends up being about $27 per month for minimum coverage and $86 per month for full coverage.

What is the cheapest car insurance company in Ohio?

The cheapest car insurance company in Ohio is different for every driver. For some, USAA might be the cheapest carrier, and for others, Geico might be a more affordable option. Every Ohio car insurance company charges a different rate for coverage, so it is important to shop around and get multiple quotes to see which company can offer the lowest rate for your coverage needs.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 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 has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Loans Editor