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 41% less than the national average rate of $1,506. 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 $784 per year, the Ford F150 at $860, the Chevrolet Equinox at $758, the Honda Accord at $878, 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 December 30, 2021
Average Car Insurance Cost in Ohio
Average Car Insurance Cost in Ohio
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,494$125
$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$684$57
$500$806$67
$250$932$78
60$1,000$672$56
$500$792$66
$250$918$77

Ohio auto insurance rates in the chart above range from $672 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 $784 per year. This average rate is:

  • $1,366 per year cheaper than insuring the same vehicle in Michigan ($2,150)
  • $224 per year cheaper than in Indiana ($1,008)
  • $788 per year cheaper than in Kentucky ($1,572)
  • $430 per year cheaper than in West Virginia ($1,214)
  • $352 per year cheaper than in Pennsylvania ($1,136)

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$1,036$148
Iowa$1,102$214
Indiana$1,138$250
Illinois$1,230$342
North Dakota$1,268$380
Minnesota$1,338$450
South Dakota$1,378$490
Nebraska$1,456$568
Kansas$1,534$646
Missouri$1,614$726
Michigan$2,424$1,536

Which vehicles have cheap car insurance in Ohio?

The models with the the best auto insurance rates in Ohio tend to be crossovers and small SUVs like the Chevrolet Trax, Mazda CX-30, Buick Envision, and Hyundai Kona. Average car insurance quotes for those vehicles cost $726 or less per year to have full coverage.

Other vehicles that are highly ranked in our overall cost comparison are the Ford Maverick, Nissan Rogue Sport, Toyota Corolla, and Chevrolet Blazer. 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 $752 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 $820 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 $760 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
1Chevrolet Spark$698$58
2Mazda CX-30$712$59
3Honda CR-V$716$60
4Chevrolet Trax$718$60
5Toyota C-HR$718$60
6Hyundai Kona$720$60
7Buick Envision$724$60
8Ford Ecosport$726$61
9Kia Soul$726$61
10Mazda CX-5$730$61
11Nissan Rogue Sport$730$61
12Chevrolet Blazer$732$61
13Chevrolet Colorado$732$61
14Hyundai Venue$738$62
15Toyota Corolla$738$62
16Nissan Kicks$742$62
17Buick Encore$744$62
18Chevrolet Trailblazer$748$62
19Kia Sportage$752$63
20Jeep Compass$754$63
21Ford Maverick$756$63
22Chevrolet Equinox$758$63
23Mitsubishi Eclipse Cross$758$63
24Acura RDX$760$63
25Nissan Murano$760$63
26Toyota Corolla Cross$760$63
27Hyundai Tucson$768$64
28Mazda MX-5 Miata$768$64
29Subaru Impreza$768$64
30Ford Edge$776$65
31Kia Rio$776$65
32Cadillac XT4$778$65
33Honda HR-V$778$65
34Subaru Ascent$778$65
35Subaru Crosstrek$778$65
36Ford Ranger$780$65
37Honda Civic$784$65
38Nissan Rogue$784$65
39Ford Escape$788$66
40Nissan Sentra$788$66
41Kia Seltos$792$66
42Volkswagen Tiguan$794$66
43Honda Passport$798$67
44Mazda 3$800$67
45Subaru Forester$800$67
46Kia Telluride$806$67
47GMC Terrain$812$68
48Toyota Tacoma$812$68
49Mazda 6$814$68
50Acura ILX$820$68
51Fiat 500X$820$68
52Jeep Renegade$824$69
53Honda Pilot$828$69
54Kia Forte$830$69
55Volkswagen Taos$830$69
56Chevrolet Malibu$832$69
57Honda Insight$832$69
58Hyundai Accent$832$69
59Toyota Prius$832$69
60Chevrolet Silverado HD 3500$840$70
61Nissan Frontier$844$70
62Ford Explorer$848$71
63GMC Canyon$848$71
64Chevrolet Traverse$850$71
65Volkswagen Golf$850$71
66Hyundai Santa Cruz$852$71
67Volvo XC40$852$71
68Subaru Outback$856$71
69Ford F150$860$72
70Mazda MX-30$860$72
71Honda Ridgeline$862$72
72Kia Niro$862$72
73Volkswagen Jetta$862$72
74Cadillac XT5$864$72
75Mini Cooper Countryman$868$72
76Mercedes-Benz A220$870$73
77Jeep Gladiator$872$73
78Toyota RAV4$874$73
79Honda Accord$878$73
80Chrysler Pacifica$880$73
81GMC Acadia$880$73
82Hyundai Palisade$880$73
83Jeep Wrangler$880$73
84Lexus NX 250$880$73
85BMW X1$882$74
86Kia K5$882$74
87Lexus NX 350h$886$74
88Volkswagen Atlas Cross Sport$886$74
89Lexus UX 250h$888$74
90Nissan Versa$890$74
91Volkswagen Passat$892$74
92Nissan Pathfinder$894$75
93Mitsubishi Mirage$898$75
94Subaru Legacy$898$75
95Volkswagen Atlas$898$75
96GMC Sierra$902$75
97Lexus NX 350$902$75
98Lexus UX 200$904$75
99Volkswagen ID4$904$75
100Toyota 4Runner$906$76

    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, 2021
    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.