Ohio Car Insurance Cost for 2023

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 $1,230 per year, which is 27% less than the national average rate of $1,685. Car insurance in Ohio per month costs around $103 for full coverage.

Average Ohio car insurance rates for some of the most popular vehicles include the Honda Civic at an average of $1,206 per year, the Ford F150 at $1,248, the Chevrolet Equinox at $1,106, the Honda Accord at $1,246, and the Chevrolet Silverado at $1,346 per year.

The chart below shows average car insurance cost in Ohio for all 2023 models. Rates are averaged for all Ohio Zip Codes and shown for different driver ages and policy deductible amounts.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Ohio car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Ohio zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Ohio
Average Car Insurance Cost in Ohio
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,072$173
$500$2,446$204
$250$2,842$237
30$1,000$1,088$91
$500$1,298$108
$250$1,516$126
40$1,000$1,036$86
$500$1,230$103
$250$1,430$119
50$1,000$946$79
$500$1,120$93
$250$1,300$108
60$1,000$930$78
$500$1,100$92
$250$1,278$107

Ohio auto insurance rates in the chart above range from $930 per year for a 60-year-old driver with $1,000 deductibles to $2,842 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 $78 to $237 for the rates shown in the chart.

Average car insurance rates for teenagers in Ohio ranges from $3,100 per year for a 19-year-old female driver up to $4,406 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 49% less than Michigan, 6.7% less than Indiana, 34.9% less than Kentucky, 21.8% less than West Virginia, and 27.4% less than Pennsylvania.

When compared to states in other parts of the country, the average cost of car insurance in Ohio is 44% cheaper than Florida, 24.9% cheaper than Texas, 24% cheaper than Arizona, 42.4% cheaper than California, and 15.8% 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 2023 Honda Civic in Ohio costs $1,206 per year. This average rate is:

  • $1,156 per year cheaper than insuring the same vehicle in Michigan ($2,362)
  • $82 per year cheaper than in Indiana ($1,288)
  • $644 per year cheaper than in Kentucky ($1,850)
  • $332 per year cheaper than in West Virginia ($1,538)
  • $452 per year cheaper than in Pennsylvania ($1,658)

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.

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Ohio Car Insurance Cost Compared to Midwest Region
Average Car Insurance Cost in Ohio Compared to Midwest Region
Midwest Region States Average Insurance Cost Annual Difference
Iowa$1,180-$50
Ohio$1,230--
Wisconsin$1,260$30
Indiana$1,318$88
North Dakota$1,462$232
Nebraska$1,474$244
Minnesota$1,512$282
Illinois$1,546$316
Kansas$1,738$508
South Dakota$1,812$582
Missouri$1,990$760
Michigan$2,414$1,184

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 Nissan Kicks, Chevrolet Trailblazer, Buick Encore, and Mazda CX-5. Average car insurance quotes for those vehicles cost $984 or less per year to have full coverage.

Other vehicles that are highly ranked in our overall cost comparison are the Honda HR-V, Subaru Ascent, Acura RDX, and Subaru Impreza. 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 $1,042 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 $1,104 per year, the BMW 330i at $1,248 per year, and the Acura TLX at $1,268 per year.

The cheapest compact, midsize, and full-size luxury SUVs to insure in Ohio include the Acura RDX at $1,026 per year, the Lexus RX 350 at $1,098 per year, and the Cadillac XT4 at $1,108 per year.

The table below shows the top 100 cheapest vehicles to insure in Ohio from the 2023 model year.

Top 100 Cheapest Car Insurance Rates in Ohio
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$930$78
2Subaru Crosstrek$938$78
3Nissan Kicks$942$79
4Honda Passport$954$80
5Nissan Rogue Sport$958$80
6Mazda CX-5$966$81
7Buick Encore$980$82
8Buick Envision$984$82
9Kia Seltos$996$83
10Subaru Ascent$998$83
11Hyundai Venue$1,004$84
12Subaru Impreza$1,016$85
13Ford Maverick$1,020$85
14Honda HR-V$1,022$85
15Chevrolet Colorado$1,024$85
16Acura RDX$1,026$86
17Hyundai Kona$1,030$86
18Subaru Forester$1,036$86
19Ford Edge$1,040$87
20Honda CR-V$1,042$87
21Ford Explorer$1,046$87
22Mazda CX-30$1,046$87
23Volkswagen Atlas$1,050$88
24Chevrolet Trax$1,056$88
25Nissan Murano$1,056$88
26Subaru Outback$1,058$88
27Nissan Frontier$1,062$89
28Volkswagen Tiguan$1,066$89
29Ford Bronco Sport$1,070$89
30Fiat 500X$1,090$91
31Ford Ranger$1,092$91
32GMC Terrain$1,092$91
33Mitsubishi Eclipse Cross$1,094$91
34Kia Soul$1,096$91
35Lexus RX 350$1,098$92
36Volkswagen Atlas Cross Sport$1,098$92
37Acura Integra$1,104$92
38Chevrolet Equinox$1,106$92
39Cadillac XT4$1,108$92
40Toyota Corolla Cross$1,108$92
41Volkswagen Taos$1,114$93
42GMC Canyon$1,118$93
43Toyota Venza$1,120$93
44Honda Odyssey$1,122$94
45Mazda CX-50$1,122$94
46Volkswagen Jetta$1,124$94
47Hyundai Tucson$1,126$94
48Toyota Tacoma$1,126$94
49Ford Escape$1,128$94
50Kia Sorento$1,128$94
51Volvo XC40$1,128$94
52Nissan Rogue$1,132$94
53Subaru Legacy$1,132$94
54Mazda MX-5 Miata$1,136$95
55Infiniti QX50$1,138$95
56Mazda MX-30$1,138$95
57Toyota RAV4$1,138$95
58Kia Niro$1,140$95
59Nissan Sentra$1,140$95
60Hyundai Palisade$1,142$95
61Hyundai Santa Cruz$1,144$95
62Lexus UX 250h$1,148$96
63Mini Cooper$1,148$96
64Toyota 4Runner$1,150$96
65Chevrolet Tahoe$1,152$96
66Jeep Compass$1,154$96
67Toyota Corolla$1,154$96
68Volkswagen Golf$1,154$96
69Toyota Prius$1,158$97
70Cadillac XT5$1,168$97
71Mini Cooper Clubman$1,168$97
72Toyota Camry$1,170$98
73Chevrolet Traverse$1,174$98
74GMC Acadia$1,174$98
75Mazda 3$1,180$98
76Honda Pilot$1,182$99
77Jeep Renegade$1,184$99
78Kia K5$1,186$99
79Buick Enclave$1,188$99
80Chevrolet Bolt$1,192$99
81Mercedes-Benz GLA250$1,192$99
82Toyota bz4X$1,192$99
83Nissan Pathfinder$1,194$100
84Cadillac XT6$1,196$100
85Mercedes-Benz GLB 250$1,196$100
86Chevrolet Malibu$1,198$100
87Chrysler 300$1,198$100
88Mazda CX-9$1,198$100
89Chrysler Pacifica$1,204$100
90Honda Civic$1,206$101
91Kia Forte$1,206$101
92Lexus NX 250$1,212$101
93Mitsubishi Mirage G4$1,214$101
94Mitsubishi Outlander Sport$1,216$101
95Chevrolet Suburban$1,218$102
96Nissan Titan$1,218$102
97Honda Ridgeline$1,220$102
98Kia Telluride$1,220$102
99Acura MDX$1,224$102
100Kia Sportage$1,226$102

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Ohio.Data last updated on December 30, 2022
    Top 100 Cheapest Car Insurance Rates in Ohio

    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.