- Average car insurance cost in Ohio is $1,268 per year, or $106 per month for full coverage.
- Ohio car insurance ranks second out of 12 Midwest states for affordability and seventh out of all 50 U.S. states.
- Compact SUV models like the Hyundai Kona, Honda HR-V, Buick Envision, and Nissan Rogue Sport have cheap car insurance in Ohio.
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.
|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.
|Midwest Region States||Average Insurance Cost||Annual Difference|
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.
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.
- Columbus Car Insurance - $1,348 per year or $112 per month
- Cleveland Car Insurance - $1,410 per year or $118 per month
- Cincinnati Car Insurance - $1,366 per year or $114 per month
- Toledo Car Insurance - $1,402 per year or $117 per month
- Akron Car Insurance - $1,308 per year or $109 per month
- Dayton Car Insurance - $1,306 per year or $109 per month
- Parma Car Insurance - $1,178 per year or $98 per month
- Canton Car Insurance - $1,256 per year or $105 per month