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 $1,948 per year, which is 13.1% less than the national average rate of $2,221. Car insurance in Ohio per month costs around $162 for full coverage.

Average Ohio car insurance rates for some of the most popular vehicles include the Honda Civic at an average of $1,724 per year, the Ford F150 at $2,178, the Chevrolet Equinox at $1,792, the Honda Accord at $1,882, and the Chevrolet Silverado at $2,152 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 June 26, 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$3,318$277
$500$3,920$327
$250$4,558$380
30$1,000$1,740$145
$500$2,078$173
$250$2,428$202
40$1,000$1,640$137
$500$1,948$162
$250$2,272$189
50$1,000$1,458$122
$500$1,726$144
$250$2,004$167
60$1,000$1,366$114
$500$1,616$135
$250$1,876$156

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 June 26, 2025

Ohio auto insurance rates in the chart above range from $1,366 per year for a 60-year-old driver with $1,000 deductibles to $4,558 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 $114 to $380 for the rates shown in the chart.

Average car insurance rates for teenagers in Ohio ranges from $4,640 per year for a 19-year-old female driver up to $6,939 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 37.9% less than Michigan, 4.3% less than Indiana, 28.7% less than Kentucky, 16.1% less than West Virginia, and 21% less than Pennsylvania.

When compared to states in other parts of the country, the average cost of car insurance in Ohio is 34.3% cheaper than Florida, 18.7% cheaper than Texas, 17.8% cheaper than Arizona, 37.3% cheaper than California, and 8.8% 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 $1,724 per year. This average rate is:

  • $808 per year cheaper than insuring the same vehicle in Michigan ($2,532)
  • $76 per year cheaper than in Indiana ($1,800)
  • $578 per year cheaper than in Kentucky ($2,302)
  • $300 per year cheaper than in West Virginia ($2,024)
  • $406 per year cheaper than in Pennsylvania ($2,130)

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 June 26, 2025.
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Average Car Insurance Cost in Ohio Compared to Midwest Region
Midwest Region States Average Annual Premium Cost Difference
Iowa$1,898-$50
Ohio$1,948--
Wisconsin$1,978$30
Indiana$2,034$86
North Dakota$2,174$226
Nebraska$2,188$240
Minnesota$2,228$280
Illinois$2,262$314
Kansas$2,450$502
South Dakota$2,524$576
Missouri$2,698$750
Michigan$2,858$910

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 June 26, 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 $1,580 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, Subaru Outback, 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 $1,694 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 $1,732 per year, the BMW 330i at $1,984 per year, and the Mercedes-Benz CLA250 at $2,006 per year.

The cheapest compact, midsize, and full-size luxury SUVs to insure in Ohio include the Acura RDX at $1,628 per year, the Lexus NX 250 at $1,722 per year, and the Cadillac XT4 at $1,758 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$1,438$120
2Chevrolet Trailblazer$1,464$122
3Kia Soul$1,520$127
4Nissan Kicks$1,532$128
5Honda Passport$1,550$129
6Buick Envision$1,558$130
7Toyota Corolla Cross$1,570$131
8Hyundai Venue$1,580$132
9Mazda CX-5$1,586$132
10Ford Bronco Sport$1,596$133
11Volkswagen Tiguan$1,612$134
12Acura RDX$1,628$136
13Nissan Murano$1,636$136
14Buick Encore$1,654$138
15Subaru Outback$1,658$138
16Honda CR-V$1,660$138
17Buick Envista$1,664$139
18Volkswagen Taos$1,670$139
19Kia Niro$1,676$140
20Toyota GR Corolla$1,690$141
21Honda HR-V$1,694$141
22Subaru Ascent$1,694$141
23Nissan Leaf$1,704$142
24Chevrolet Colorado$1,716$143
25Lexus NX 250$1,722$144
26Honda Civic$1,724$144
27Volkswagen Atlas$1,728$144
28Acura Integra$1,732$144
29Subaru Forester$1,732$144
30Volkswagen Atlas Cross Sport$1,734$145
31Kia Seltos$1,740$145
32GMC Terrain$1,742$145
33Nissan Rogue$1,750$146
34Hyundai Kona$1,752$146
35Mazda CX-30$1,756$146
36Cadillac XT4$1,758$147
37Volkswagen ID4$1,766$147
38Ford Explorer$1,768$147
39Toyota Highlander$1,772$148
40Ford Escape$1,776$148
41Toyota Venza$1,776$148
42Honda Odyssey$1,780$148
43Nissan Sentra$1,786$149
44Subaru Impreza$1,790$149
45Chevrolet Equinox$1,792$149
46Toyota RAV4$1,796$150
47Mazda MX-5 Miata$1,804$150
48Mazda MX-30$1,808$151
49Hyundai Tucson$1,810$151
50Chevrolet Traverse$1,818$152
51Jaguar E-Pace$1,820$152
52Toyota Prius$1,820$152
53Nissan Titan$1,822$152
54Chevrolet Tahoe$1,830$153
55Mitsubishi Outlander Sport$1,830$153
56Chevrolet Trax$1,838$153
57Lexus NX 350h$1,838$153
58Mitsubishi Outlander PHEV$1,838$153
59Cadillac XT5$1,840$153
60Nissan Frontier$1,840$153
61Ford Edge$1,842$154
62Mini Cooper Clubman$1,844$154
63Kia Sorento$1,850$154
64Mini Cooper$1,850$154
65Ford Ranger$1,860$155
66Lincoln Corsair$1,862$155
67Mercedes-Benz GLB 250$1,864$155
68Lexus UX 250h$1,866$156
69Mitsubishi Eclipse Cross$1,870$156
70Jeep Renegade$1,874$156
71Kia K5$1,878$157
72Lexus NX 450h$1,878$157
73GMC Acadia$1,880$157
74Buick Enclave$1,882$157
75Honda Accord$1,882$157
76Chevrolet Malibu$1,890$158
77Ford Maverick$1,890$158
78Infiniti QX50$1,892$158
79Honda Pilot$1,896$158
80Mercedes-Benz GLA250$1,898$158
81Mitsubishi Outlander$1,898$158
82Toyota Corolla$1,898$158
83Mazda CX-9$1,900$158
84Kia Forte$1,902$159
85Mercedes-Benz GLA35 AMG$1,904$159
86Cadillac XT6$1,906$159
87Kia Sportage$1,908$159
88Hyundai Ioniq 5$1,914$160
89Infiniti QX60$1,914$160
90Nissan Ariya$1,914$160
91Volkswagen Arteon$1,914$160
92Mercedes-Benz AMG GLB35$1,918$160
93Nissan Versa$1,920$160
94Fiat 500X$1,922$160
95Subaru Legacy$1,922$160
96Chrysler Pacifica$1,924$160
97Mini Cooper Countryman$1,928$161
98Subaru Solterra$1,928$161
99Chevrolet Suburban$1,932$161
100Honda Ridgeline$1,932$161

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 June 27, 2025

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Top 100 cheapest vehicles to insure in Ohio with the Subaru Crosstrek ranking first at $1,438 per year
Top 100 cheapest vehicles to insure in Ohio with the Subaru Crosstrek ranking first at $1,438 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.