Ohio Car Insurance Cost for 2022

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 $888 per year, which is 43.3% less than the national average rate of $1,567. Car insurance in Ohio per month costs around $74 for full coverage.

Average Ohio car insurance rates for some of the most popular vehicles include the Honda Civic at an average of $876 per year, the Ford F150 at $860, the Chevrolet Equinox at $828, the Honda Accord at $928, and the Chevrolet Silverado at $954 per year.

The chart below shows average car insurance cost in Ohio for all 2022 models. Rates are averaged for all Ohio Zip Codes and shown for different driver ages and policy deductible amounts.

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Chart Data Details: Chart shows average Ohio car insurance rates for 2022 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 August 31, 2022
Average Car Insurance Cost in Ohio
Average Car Insurance Cost in Ohio
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,492$124
$500$1,760$147
$250$2,040$170
30$1,000$784$65
$500$932$78
$250$1,088$91
40$1,000$752$63
$500$888$74
$250$1,030$86
50$1,000$682$57
$500$806$67
$250$932$78
60$1,000$670$56
$500$792$66
$250$918$77

Ohio auto insurance rates in the chart above range from $670 per year for a 60-year-old driver with $1,000 deductibles to $2,040 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 $56 to $170 for the rates shown in the chart.

Average car insurance rates for teenagers in Ohio ranges from $2,228 per year for a 19-year-old female driver up to $3,176 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 63.4% less than Michigan, 22% less than Indiana, 49.9% less than Kentucky, 35.1% less than West Virginia, and 30.7% less than Pennsylvania.

When compared to states in other parts of the country, the average cost of car insurance in Ohio is 60.1% cheaper than Florida, 38.2% cheaper than Texas, 34.5% cheaper than Arizona, 49.1% cheaper than California, and 15.7% 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 2022 Honda Civic in Ohio costs $876 per year. This average rate is:

  • $1,528 per year cheaper than insuring the same vehicle in Michigan ($2,404)
  • $248 per year cheaper than in Indiana ($1,124)
  • $878 per year cheaper than in Kentucky ($1,754)
  • $480 per year cheaper than in West Virginia ($1,356)
  • $394 per year cheaper than in Pennsylvania ($1,270)

The chart below shows how auto insurance cost in Ohio compares to other Midwest U.S. states. Ohio ranks #1 out of the 12 states in the Midwest region for cheapest car insurance rates, and ranks #1 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
Ohio$888--
Wisconsin$1,034$146
Iowa$1,102$214
Indiana$1,138$250
Illinois$1,232$344
North Dakota$1,268$380
Minnesota$1,338$450
South Dakota$1,378$490
Nebraska$1,456$568
Kansas$1,534$646
Missouri$1,618$730
Michigan$2,424$1,536

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 Chevrolet Trailblazer, Mazda CX-5, Buick Encore, and Toyota C-HR. Average car insurance quotes for those vehicles cost $738 or less per year to have full coverage.

Other vehicles that are highly ranked in our overall cost comparison are the Acura RDX, Hyundai Venue, Subaru Ascent, and Kia Seltos. 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 $768 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 ILX at $814 per year, the Mercedes-Benz A220 at $870 per year, and the BMW 330i at $936 per year.

The cheapest compact, midsize, and full-size luxury SUVs to insure in Ohio include the Acura RDX at $758 per year, the Cadillac XT4 at $778 per year, and the Volvo XC40 at $852 per year.

The table below shows the top 100 cheapest vehicles to insure in Ohio from the 2022 model year.

Top 100 Cheapest Car Insurance Rates in Ohio
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$676$56
2Nissan Kicks$690$58
3Chevrolet Trailblazer$694$58
4Honda Passport$712$59
5Subaru Crosstrek$712$59
6Toyota C-HR$728$61
7Chevrolet Colorado$732$61
8Buick Encore$734$61
9Nissan Rogue Sport$738$62
10Hyundai Venue$752$63
11Buick Envision$754$63
12Kia Seltos$754$63
13Ford Maverick$756$63
14Acura RDX$758$63
15Subaru Ascent$760$63
16Toyota Corolla Cross$760$63
17Hyundai Kona$766$64
18Subaru Forester$766$64
19Mazda MX-5 Miata$768$64
20Subaru Impreza$768$64
21Volkswagen Tiguan$768$64
22Chevrolet Spark$774$65
23Honda CR-V$776$65
24Cadillac XT4$778$65
25Mazda CX-30$784$65
26Ford Ranger$786$66
27Honda HR-V$796$66
28Ford Edge$798$67
29Ford Ecosport$804$67
30Subaru Outback$812$68
31Acura ILX$814$68
32Chevrolet Trax$814$68
33GMC Terrain$816$68
34Mitsubishi Eclipse Cross$818$68
35Nissan Murano$822$69
36Toyota Tacoma$822$69
37Chevrolet Bolt$824$69
38Honda Odyssey$824$69
39Hyundai Tucson$824$69
40Toyota Venza$826$69
41Chevrolet Equinox$828$69
42Volkswagen Taos$830$69
43Fiat 500X$832$69
44Ford Explorer$834$70
45Toyota RAV4$836$70
46Kia Sorento$838$70
47Kia Soul$840$70
48Nissan Frontier$844$70
49Hyundai Palisade$850$71
50Hyundai Santa Cruz$850$71
51Volkswagen Golf$850$71
52GMC Canyon$852$71
53Volvo XC40$852$71
54Mazda MX-30$854$71
55Volkswagen Atlas$856$71
56Subaru Legacy$858$72
57Ford F150$860$72
58Honda Insight$860$72
59Jeep Compass$860$72
60Honda Ridgeline$862$72
61Kia Niro$862$72
62Toyota 4Runner$862$72
63Volkswagen Jetta$862$72
64Nissan Sentra$864$72
65Nissan Rogue$866$72
66Cadillac XT5$870$73
67Ford Escape$870$73
68Jeep Gladiator$870$73
69Kia K5$870$73
70Mercedes-Benz A220$870$73
71Toyota Camry$870$73
72Toyota Corolla$872$73
73Kia Rio$874$73
74Volkswagen Passat$874$73
75Honda Civic$876$73
76Hyundai Ioniq 5$878$73
77Lexus NX 250$880$73
78BMW X1$882$74
79Mazda 3$882$74
80Mazda 6$882$74
81Mini Cooper Clubman$882$74
82Jeep Renegade$884$74
83Lexus NX 350h$886$74
84Toyota Prius$886$74
85Volkswagen Atlas Cross Sport$886$74
86Chevrolet Tahoe$888$74
87Chrysler Pacifica$888$74
88Kia Sportage$888$74
89Lexus UX 250h$888$74
90GMC Acadia$890$74
91Mazda CX-9$890$74
92Toyota Highlander$890$74
93Ford Bronco$892$74
94Nissan Pathfinder$894$75
95Hyundai Accent$896$75
96Honda Pilot$898$75
97Mitsubishi Outlander Sport$898$75
98GMC Sierra$902$75
99Lexus NX 350$902$75
100Volkswagen ID4$902$75

    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 August 31, 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.