Ohio Car Insurance Cost for 2025

How much is car insurance in Ohio? We break down average insurance rates and reveal the vehicles with the cheapest Ohio car insurance cost.

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How much does car insurance cost in Ohio?

The average cost of car insurance in Ohio is $1,992 per year, which is 13.3% less than the national average rate of $2,276. Car insurance in Ohio per month costs around $166 for full coverage.

Average Ohio car insurance rates for some of the most popular vehicles include the Honda Civic at an average of $1,762 per year, the Ford F150 at $2,228, the Chevrolet Equinox at $1,834, the Honda Accord at $1,922, and the Chevrolet Silverado at $2,204 per year.

The chart below shows average car insurance cost in Ohio for all 2024 models. Rates are averaged for all Ohio Zip Codes and shown for different driver ages and policy deductible amounts.

Average full-coverage car insurance premium in Ohio for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Ohio for different ages of drivers. Rates updated on October 24, 2025.
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Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Ohio Zip Codes.

Average Car Insurance Cost in Ohio
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,392$283
$500$4,006$334
$250$4,660$388
30$1,000$1,782$149
$500$2,124$177
$250$2,484$207
40$1,000$1,674$140
$500$1,992$166
$250$2,320$193
50$1,000$1,494$125
$500$1,768$147
$250$2,050$171
60$1,000$1,398$117
$500$1,654$138
$250$1,920$160

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Ohio Zip Codes. Updated October 24, 2025

Ohio auto insurance rates in the chart above range from $1,398 per year for a 60-year-old driver with $1,000 deductibles to $4,660 per year for a 20-year-old driver with $250 deductibles.

When annual rates are converted to a monthly amount, the average cost of car insurance per month in Ohio ranges from $117 to $388 for the rates shown in the chart.

Average car insurance rates for teenagers in Ohio ranges from $4,745 per year for a 19-year-old female driver up to $7,091 per year for a 16-year-old male driver.

Is car insurance expensive in Ohio?

When compared to surrounding states, Ohio car insurance rates are 36.7% less than Michigan, 4.3% less than Indiana, 28.1% less than Kentucky, 15.6% less than West Virginia, and 20.6% less than Pennsylvania.

When compared to states in other parts of the country, the average cost of car insurance in Ohio is 33.4% cheaper than Florida, 18.3% cheaper than Texas, 17.6% cheaper than Arizona, 36.6% cheaper than California, and 8.7% more expensive than Maine.

Here’s an example in dollar amounts instead of percentages of how car insurance quotes in Ohio compare to surrounding states. This example uses the Honda Civic as the rated vehicle with a 40-year-old male as the rated driver.

Average car insurance on a 2024 Honda Civic in Ohio costs $1,762 per year. This average rate is:

  • $794 per year cheaper than insuring the same vehicle in Michigan ($2,556)
  • $78 per year cheaper than in Indiana ($1,840)
  • $580 per year cheaper than in Kentucky ($2,342)
  • $302 per year cheaper than in West Virginia ($2,064)
  • $408 per year cheaper than in Pennsylvania ($2,170)

The chart below shows how auto insurance cost in Ohio compares to other Midwest U.S. states. Ohio ranks second out of the 12 states in the Midwest region for cheapest car insurance rates, and ranks seventh out of all 50 states.

Average cost of car insurance in Ohio compared to other Midwest region states.
Figure 2: Average cost of car insurance in Ohio compared to other Midwest region states. Rates updated on October 24, 2025.
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Average Car Insurance Cost in Ohio Compared to Midwest Region
Midwest Region States Average Annual Premium Cost Difference
Iowa$1,942-$50
Ohio$1,992--
Wisconsin$2,022$30
Indiana$2,080$88
North Dakota$2,222$230
Nebraska$2,234$242
Minnesota$2,272$280
Illinois$2,304$312
Kansas$2,494$502
South Dakota$2,566$574
Missouri$2,742$750
Michigan$2,886$894

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Ohio Zip Codes. Updated October 24, 2025

Which vehicles have cheap car insurance in Ohio?

The models with the best auto insurance rates in Ohio tend to be crossovers and small SUVs like the Kia Soul, Subaru Crosstrek, Toyota Corolla Cross, and Buick Envision. Average car insurance quotes for those vehicles cost $1,618 or less per year to have full coverage.

Other vehicles that are highly ranked in our overall cost comparison are the Buick Encore, Ford Bronco Sport, Honda CR-V, and Acura RDX. Average cost is a few dollars per month higher for those models than the compact SUVs at the top of the rankings, but they still have an average cost of $1,730 or less per year in Ohio.

For compact, midsize, and full-size luxury car models, the cheapest luxury car insurance rates in Ohio can be found on the Acura Integra at $1,772 per year, the BMW 330i at $2,028 per year, and the Mercedes-Benz CLA250 at $2,050 per year.

The cheapest compact, midsize, and full-size luxury SUVs to insure in Ohio include the Acura RDX at $1,664 per year, the Lexus NX 250 at $1,762 per year, and the Cadillac XT4 at $1,800 per year.

The table below shows the top 100 cheapest vehicles to insure in Ohio from the 2024 model year.

Top 100 Cheapest Car Insurance Rates in Ohio
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,470$123
2Chevrolet Trailblazer$1,498$125
3Kia Soul$1,554$130
4Nissan Kicks$1,568$131
5Honda Passport$1,588$132
6Buick Envision$1,596$133
7Toyota Corolla Cross$1,608$134
8Hyundai Venue$1,618$135
9Mazda CX-5$1,624$135
10Ford Bronco Sport$1,630$136
11Volkswagen Tiguan$1,648$137
12Acura RDX$1,664$139
13Nissan Murano$1,674$140
14Buick Encore$1,692$141
15Subaru Outback$1,694$141
16Honda CR-V$1,698$142
17Buick Envista$1,704$142
18Volkswagen Taos$1,706$142
19Kia Niro$1,714$143
20Toyota GR Corolla$1,730$144
21Honda HR-V$1,732$144
22Subaru Ascent$1,734$145
23Nissan Leaf$1,744$145
24Chevrolet Colorado$1,754$146
25Honda Civic$1,762$147
26Lexus NX 250$1,762$147
27Volkswagen Atlas$1,766$147
28Acura Integra$1,772$148
29Subaru Forester$1,772$148
30Volkswagen Atlas Cross Sport$1,774$148
31Kia Seltos$1,778$148
32GMC Terrain$1,784$149
33Nissan Rogue$1,790$149
34Hyundai Kona$1,792$149
35Mazda CX-30$1,796$150
36Cadillac XT4$1,800$150
37Volkswagen ID4$1,806$151
38Ford Explorer$1,808$151
39Toyota Highlander$1,812$151
40Ford Escape$1,818$152
41Toyota Venza$1,818$152
42Honda Odyssey$1,820$152
43Nissan Sentra$1,826$152
44Subaru Impreza$1,832$153
45Chevrolet Equinox$1,834$153
46Toyota RAV4$1,838$153
47Mazda MX-5 Miata$1,844$154
48Mazda MX-30$1,850$154
49Hyundai Tucson$1,852$154
50Chevrolet Traverse$1,858$155
51Jaguar E-Pace$1,862$155
52Nissan Titan$1,862$155
53Toyota Prius$1,862$155
54Chevrolet Tahoe$1,870$156
55Mitsubishi Outlander Sport$1,870$156
56Mitsubishi Outlander PHEV$1,878$157
57Cadillac XT5$1,880$157
58Lexus NX 350h$1,880$157
59Chevrolet Trax$1,882$157
60Ford Edge$1,884$157
61Nissan Frontier$1,884$157
62Mini Cooper Clubman$1,886$157
63Kia Sorento$1,892$158
64Mini Cooper$1,892$158
65Lincoln Corsair$1,902$159
66Ford Ranger$1,904$159
67Mercedes-Benz GLB 250$1,906$159
68Lexus UX 250h$1,910$159
69Mitsubishi Eclipse Cross$1,910$159
70Jeep Renegade$1,918$160
71Lexus NX 450h$1,918$160
72Kia K5$1,920$160
73GMC Acadia$1,922$160
74Honda Accord$1,922$160
75Buick Enclave$1,926$161
76Ford Maverick$1,930$161
77Chevrolet Malibu$1,934$161
78Infiniti QX50$1,934$161
79Honda Pilot$1,940$162
80Mitsubishi Outlander$1,940$162
81Mercedes-Benz GLA250$1,942$162
82Toyota Corolla$1,942$162
83Kia Forte$1,946$162
84Mazda CX-9$1,946$162
85Cadillac XT6$1,948$162
86Mercedes-Benz GLA35 AMG$1,950$163
87Kia Sportage$1,952$163
88Volkswagen Arteon$1,956$163
89Hyundai Ioniq 5$1,958$163
90Infiniti QX60$1,958$163
91Mercedes-Benz AMG GLB35$1,962$164
92Nissan Versa$1,962$164
93Fiat 500X$1,966$164
94Subaru Legacy$1,966$164
95Chrysler Pacifica$1,968$164
96Mini Cooper Countryman$1,970$164
97Subaru Solterra$1,972$164
98Chevrolet Suburban$1,974$165
99Honda Ridgeline$1,978$165
100Mazda CX-50$1,978$165

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Ohio Zip Codes. Updated October 24, 2025

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Top 100 cheapest vehicles to insure in Ohio with the Subaru Crosstrek ranking first at $1,470 per year
Top 100 cheapest vehicles to insure in Ohio with the Subaru Crosstrek ranking first at $1,470 per year

Average rates in large Ohio cities

Listed below are average auto insurance rates for some of the larger cities in Ohio. Visit any page to view detailed rate information, plus the models with the cheapest car insurance in each city.