What is the Average Auto Insurance in Ohio (2024)?
For the average Ohio driver, auto insurance rates can be as high as $152 per month for full coverage, and $120 per month for the state minimum.
Written by Kianna Walpole
Edited by Sarah Gray
In Ohio,
full coverage car insurance rates
can cost drivers an average rate of $152 per month, or $1,819 annually. Those who opt for a state minimum insurance policy pay an average of $1,442 per year. However, these Ohio
car insurance rates will vary based upon factors, including age, driving record, and car type. - Based on the state average, Ohio drivers pay around $120 to $152 per month for auto insurance.
- Ohio has significantly lower rates among insurance companies than other US states.
- Young drivers, speeding tickets, and DUIs can increase your monthly car insurance premiums.
- Ohio cannot use credit scores as a sole factor in selecting premium rates, but they can use gender.
- Based on the state average, Ohio drivers pay around $120 to $152 per month for auto insurance.
- Ohio has significantly lower rates among insurance companies than other US states.
- Young drivers, speeding tickets, and DUIs can increase your monthly car insurance premiums.
- Ohio cannot use credit scores as a sole factor in selecting premium rates, but they can use gender.
Methodology
To find the average cost of auto insurance rates in Ohio, data analysts at Jerry spent over 200 hours reviewing millions of car insurance quotes across several Ohio auto insurance companies in the last year.
How much is car insurance in Ohio?
The state of Ohio is one of the cheaper states in the US for auto insurance, with most drivers paying around $1,819 annually for full coverage and $1,442 for minimum coverage. Ohio continues to be one of the states with cheap car insurance for both full coverage policies and minimum liability.
Compare average rates for Ohio drivers
Below is a table of how Ohio car insurance policies change due to age, gender, driving history, and vehicle type. Four common driver profiles were selected to showcase the range of average auto insurance rates in Ohio.
The average Ohio driver
The average Ohio driver
An average driver over age 25 with a clean driving record in Ohio pays about:
- $1,819 per year for full coverage
- $1,442 per year for state minimum coverage
Read More
The Ohio teen driver
The Ohio teen driver
An average teen driver in Ohio pays about:
- $2,414 per year for full coverage
- $2,162 per year for state minimum coverage
Read More
Why did my insurance go up in Ohio?
As workers continue to return to the office, the increase of risks and accidents due to daily commuting is a major contribution to rising auto insurance rates in Ohio. Other reasons are supply shortages, inflation, and growing repair costs.
However, despite the witnessed spike in auto insurance premiums, Ohio drivers still pay significantly less than the national average for car insurance in the US of $2,150.
Why your rate went up: Your annual premium might have gone up for multiple reasons, including inflation and market changes. However, it’s also important to keep in mind that if you were involved in an at-fault accident, or deemed a high-risk driver, your rates will also increase. If you have further questions, it’s best to contact your insurance provider for more insight.
How you can navigate the crisis: When looking for the best car insurance companies in Ohio, Jerry is here to help. Whether you’re searching for car insurance discounts, coverage options, or coverage limits,
Jerry
can compare Ohio auto insurance rates to make finding the cheapest car insurance
company simple.Who pays the most for car insurance in Ohio?
Generally, individuals over the age of 25 with a clean driving record and who reside in smaller towns in Ohio pay lower car insurance rates.
Those who pay higher insurance rates are typically teen drivers, drivers with traffic violations and infractions on their driving history, and those who drive in larger cities, like Cleveland or Columbus. Take a look at some of the tables below to see how much your auto insurance rates might differ if you’re in one of these key groups.
Teen drivers pay the highest rates of any group
| Age | Average annual coverage |
|---|---|
| 18-20 | $2,835 |
| 21-24 | $2,474 |
| 25-34 | $2,086 |
| 35-44 | $1,912 |
| 45-54 | $1,817 |
| 55-64 | $1,677 |
| 65+ | $1,663 |
High-risk drivers with DUIs and license suspensions pay higher rates
| Violation | Average annual premium |
|---|---|
| Racing/Drag Racing | $2,999 |
| Careless Driving | $2,233 |
| Improper Passing | $2,093 |
| Illegal Turn | $1,805 |
| Suspension | $1,801 |
| Other | $1,676 |
| Failure to Obey Traffic Sign | $1,673 |
| Reckless Driving | $1,657 |
| Speeding under 15 | $1,535 |
| DUI | $1,464 |
Urban drivers pay more than in small towns and rural areas
| Average annual coverage | |
|---|---|
| Columbus | $1,847 |
| Cleveland | $1,765 |
| Cincinnati | $1,740 |
| Toledo | $1,749 |
| Akron | $2,036 |
| Dayton | $2,036 |
| Average annual coverage | |
|---|---|
| Yellow Springs | $1,050 |
| Marietta | $2,287 |
| Granville | $1,297 |
| Oberlin | $1,222 |
| Loveland | $2,036 |
| Tipp City | $2,036 |
How to keep car insurance rates low in Ohio
If you don’t meet the state requirements to qualify for lower motor vehicle insurance, there are still methods available to help lower your rates in Ohio.
1. Look for discounts
Some insurance providers offer discounts to Ohio drivers based on good driver habits, homeownership, and academic achievement. Below is a list of a few of the best
car insurance discounts
in Ohio along with their respective car insurance requirements:- Progressiveoffers drivers up to 10% in savings for students who maintain a ‘B’ average or higher through the ‘Good Student’ discount.
- GEICOpresents good drivers with a 22% discount on insurance if they keep a car accident-free record for 5 years.
- Nationwideallows homeowners to bundle their auto and home insurance to save up to 20% on their payments.
- Erieinsurance offers drivers a Diminishing Deductible option, reducing deductibles by $100 (or up to $500) for each consecutive policy year that a claim is not filed.
- State Farmlets owners with two or more vehicles insured with State Farm to bundle their policies and help lower premiums.
- USAAsupplies those who are loyal members with the best rates, allowing them to save up to 10% on their existing policy.
2. Don’t buy a new car
After buying a new car in Ohio, you have 2-30 days to claim it with your insurance provider. Once you do, it’s likely that your rates will increase as newer models are more expensive to replace or repair after an accident.
3. Follow all Ohio traffic laws—and consider a defensive driving course
Making sure to follow
Ohio traffic laws
is the best way to help maintain a clean driving record and ultimately lower your insurance rates. Another solution is to enroll in a defensive driving course through the Ohio Bureau of Motor Vehicles (BMV). 4. Opt for full coverage with moderate liability limits and a high deductible
As per
Ohio’s car insurance laws
, drivers are required to carry at least the minimum amount of car insurance, which is $25,000 per person/$50,000 per accident of bodily injury liability, and $25,000 in property damage liability per accident. Depending on how often you drive, this amount of coverage might not be enough—and luckily, there are some ways to save while increasing your insurance options.
The recommended coverage for Ohio drivers seeking lower costs is a policy that includes:
- Comprehensive coverage and collision coverage in the event of vandalism, natural events, and car accidents.
- At least $50,000 per person and $100,000 per accident for bodily injury liability coverage
- At least $50,000 in property damage liability insurance
Selecting higher deductibles that you know you’re able to pay can help lower your insurance rates overall. Additional coverage options include MedPay, roadside assistance, and underinsured and uninsured motorist bodily injury coverage.
5. Compare quotes (more than once!)
Comparing quotes from several insurance companies is the best way to reduce your Ohio insurance rates, as different companies offer different services.
Using the Jerry app, you can review and analyze real insurance quotes from some of the top insurance providers in Ohio and easily determine the right coverage for you in under a minute.
And you can even compare quotes more than once—over 70% of drivers don’t reshop their current policy, leaving potential savings to waste. Jerry can automatically recycle and reevaluate new quotes when your policy is ready for renewal, allowing you to continue to save on your car insurance.
FAQs
How much is insurance a month in Ohio?
In the state of Ohio, the average cost for a full coverage plan—inclusive of comprehensive and collision coverage—is $152 per month. For a minimum coverage plan, most Ohio drivers will pay $120 per month to meet state requirements.
Is car insurance in Ohio expensive?
Ohio is considered one of the more affordable states for car insurance, but policy prices may differ depending on your age and driving history. To lower your costs even further, try shopping around and comparing prices from different providers, or ask your existing insurance provider about their discounts!
How much is car insurance for a 20-year-old in Ohio?
For a 20-year-old driver with a clean driving record, the average car insurance pricing is around $2,350 annually for a full coverage policy. Age plays a significant factor in car insurance premiums and rates—as a young driver, your rates will be higher and will decrease the more you age.
How much is insurance for a new driver in Ohio?
Several factors, including age and policy type, dictate the overall price for car insurance for a new driver in Ohio. However, on average, new drivers typically pay between $600-$1,900 annually for auto insurance.
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