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 $1,268 per year, which is 30.7% less than the national average rate of $1,728. Car insurance in Ohio per month costs around $106 for full coverage.

Average Ohio car insurance rates for some of the most popular vehicles include the Honda Civic at an average of $1,242 per year, the Ford F150 at $1,290, the Chevrolet Equinox at $1,144, the Honda Accord at $1,284, and the Chevrolet Silverado at $1,390 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.

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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 August 12, 2023
Average Car Insurance Cost in Ohio
Average Car Insurance Cost in Ohio
Driver Age Deductible Annual Cost Monthly Cost

Ohio auto insurance rates in the chart above range from $962 per year for a 60-year-old driver with $1,000 deductibles to $2,932 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 $80 to $244 for the rates shown in the chart.

Average car insurance rates for teenagers in Ohio ranges from $3,196 per year for a 19-year-old female driver up to $4,544 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 63.1% less than Michigan, 6.7% less than Indiana, 41.3% less than Kentucky, 23.9% less than West Virginia, and 30.9% less than Pennsylvania.

When compared to states in other parts of the country, the average cost of car insurance in Ohio is 54.8% cheaper than Florida, 27.7% cheaper than Texas, 26.5% cheaper than Arizona, 52.6% cheaper than California, and 14.2% 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 $1,242 per year. This average rate is:

  • $1,144 per year cheaper than insuring the same vehicle in Michigan ($2,386)
  • $86 per year cheaper than in Indiana ($1,328)
  • $646 per year cheaper than in Kentucky ($1,888)
  • $336 per year cheaper than in West Virginia ($1,578)
  • $454 per year cheaper than in Pennsylvania ($1,696)

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
North Dakota$1,500$232
South Dakota$1,852$584

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 $1,014 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 $1,076 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 $1,140 per year, the BMW 330i at $1,290 per year, and the Acura TLX at $1,312 per year.

The cheapest compact, midsize, and full-size luxury SUVs to insure in Ohio include the Acura RDX at $1,058 per year, the Lexus RX 350 at $1,136 per year, and the Cadillac XT4 at $1,146 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$962$80
2Subaru Crosstrek$970$81
3Nissan Kicks$974$81
4Honda Passport$986$82
5Nissan Rogue Sport$992$83
6Mazda CX-5$998$83
7Buick Encore$1,012$84
8Buick Envision$1,014$85
9Kia Seltos$1,028$86
10Subaru Ascent$1,032$86
11Hyundai Venue$1,038$87
12Subaru Impreza$1,050$88
13Ford Maverick$1,054$88
14Honda HR-V$1,054$88
15Acura RDX$1,058$88
16Chevrolet Colorado$1,058$88
17Hyundai Kona$1,066$89
18Subaru Forester$1,070$89
19Ford Edge$1,076$90
20Honda CR-V$1,076$90
21Mazda CX-30$1,080$90
22Ford Explorer$1,082$90
23Volkswagen Atlas$1,084$90
24Chevrolet Trax$1,090$91
25Nissan Murano$1,092$91
26Subaru Outback$1,092$91
27Nissan Frontier$1,094$91
28Volkswagen Tiguan$1,104$92
29Ford Bronco Sport$1,108$92
30Fiat 500X$1,126$94
31Ford Ranger$1,128$94
32GMC Terrain$1,130$94
33Kia Soul$1,130$94
34Mitsubishi Eclipse Cross$1,134$95
35Volkswagen Atlas Cross Sport$1,134$95
36Lexus RX 350$1,136$95
37Acura Integra$1,140$95
38Chevrolet Equinox$1,144$95
39Cadillac XT4$1,146$96
40Toyota Corolla Cross$1,148$96
41Volkswagen Taos$1,152$96
42GMC Canyon$1,154$96
43Toyota Venza$1,158$97
44Mazda CX-50$1,160$97
45Toyota Tacoma$1,160$97
46Volkswagen Jetta$1,160$97
47Honda Odyssey$1,162$97
48Hyundai Tucson$1,162$97
49Ford Escape$1,166$97
50Kia Sorento$1,166$97
51Nissan Rogue$1,168$97
52Volvo XC40$1,168$97
53Subaru Legacy$1,170$98
54Infiniti QX50$1,174$98
55Mazda MX-5 Miata$1,174$98
56Toyota RAV4$1,176$98
57Hyundai Palisade$1,178$98
58Kia Niro$1,178$98
59Nissan Sentra$1,178$98
60Hyundai Santa Cruz$1,180$98
61Mazda MX-30$1,182$99
62Mini Cooper$1,184$99
63Lexus UX 250h$1,188$99
64Chevrolet Tahoe$1,190$99
65Jeep Compass$1,190$99
66Toyota 4Runner$1,192$99
67Toyota Corolla$1,192$99
68Volkswagen Golf$1,192$99
69Toyota Prius$1,196$100
70Mini Cooper Clubman$1,206$101
71Toyota Camry$1,206$101
72Cadillac XT5$1,208$101
73GMC Acadia$1,210$101
74Chevrolet Traverse$1,214$101
75Mazda 3$1,218$102
76Honda Pilot$1,222$102
77Jeep Renegade$1,224$102
78Kia K5$1,224$102
79Buick Enclave$1,226$102
80Chevrolet Bolt$1,232$103
81Mercedes-Benz GLA250$1,232$103
82Cadillac XT6$1,234$103
83Chevrolet Malibu$1,234$103
84Nissan Pathfinder$1,234$103
85Toyota bz4X$1,234$103
86Mercedes-Benz GLB 250$1,236$103
87Mazda CX-9$1,238$103
88Chrysler 300$1,240$103
89Honda Civic$1,242$104
90Chrysler Pacifica$1,244$104
91Kia Forte$1,244$104
92Mitsubishi Mirage G4$1,250$104
93Lexus NX 250$1,252$104
94Mitsubishi Outlander Sport$1,256$105
95Nissan Titan$1,256$105
96Chevrolet Suburban$1,258$105
97Acura MDX$1,262$105
98Honda Ridgeline$1,262$105
99Kia Telluride$1,262$105
100Kia Sportage$1,264$105

    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 12, 2023
    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.