Average Cost of Car Insurance in Ohio for 2025

The Rock and Roll Hall of Fame. The Pro Football Hall of Fame. Cedar Point Amusement Park. Whatever draws you to Ohio, the state has plenty of charm.

The state also boasts a relatively low cost of living, and that lower cost is reflected in auto insurance premiums too. The average cost of car insurance in Ohio is $123 per month, compared to the national average of $193.

However, you may pay more or less based on your age, driving history, credit score, and other factors.

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Key takeaways

The average cost of car insurance in Ohio is $123 per month for full coverage and $70 for state-minimum coverage.
Drivers with excellent credit can save hundreds per year on their premiums compared to those with poor credit.
Young drivers pay an average of $270 per month for car insurance.

How much does car insurance cost in Ohio?

Buckeyes can expect lower rates for car insurance. On average, Ohio residents pay $123 per month for full coverage policies that include collision, comprehensive, and liability insurance — that's compared to the national average of $193. State-minimum coverage in Ohio costs an average of just $70 per year.

Avg. cost for full coverage	Avg. cost for minimum coverage
$123/month	$70/month

Avg. for young drivers	Avg. cost for seniors	Avg. for driver with a DUI
$270/month	$104/month	$149/month

Average cost of car insurance in Ohio by provider

In Ohio, you can buy insurance from major insurers like State Farm and Progressive. According to the National Association of Insurance Commissioners, they are the country's two largest private passenger auto insurance companies based on direct premiums written.

You can also get coverage through smaller insurers, which may offer better rates than the national brands. For example, of the insurers compared below, State Farm offered the cheapest rates for full coverage and state-minimum insurance policies.

Provider	Monthly full coverage	Monthly minimum liability coverage
Allstate	$153	$109
GEICO	$90	$64
Nationwide	$103	$74
Progressive	$98	$59
State Farm	$69	$50
USAA	$90	$64
Erie	$81	$57

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How does credit score affect car insurance rates in Ohio?

Under Ohio's current laws, insurers can use drivers' credit scores to determine premiums. Improving your credit can help you save a substantial amount of money. For example, on average, those with poor credit paid hundreds more than those with excellent credit.

Credit health	Avg. monthly premium
Poor (550-649)	$153
Average (650-699)	$126
Good (700-749)	$120
Excellent (750+)	$104

Average car insurance rates for high-risk drivers in Ohio

Driving recklessly in Ohio can cost you by significantly increasing your premiums.

Violation	Avg. monthly premium
At-fault accident	$159
DUI	$149
Speeding ticket	$151

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How does age affect car insurance rates in Ohio?

As in other states, young drivers will pay significantly more for coverage than older drivers. The average premium for teens is significantly higher than the state average.

Age	Avg. monthly premium
Teen	$270
20s	$168
30s	$133
40s	$124
60s	$102

Ohio car insurance rates by city

In Ohio, Springfield has the lowest rates, while Toledo has the highest.

City	Avg. monthly full-coverage premium
Columbus	$147
Cleveland	$145
Cincinnati	$142
Toledo	$147
Hamilton	$122
Dayton	$128

OH's minimum car insurance requirements

Ohio, like most states, requires drivers to have car insurance. Drivers must meet the following minimums:

$25,000 of bodily injury protection
$50,000 of bodily injury protection for two or more people
$25,000 of property damage protection

How to save money on car insurance in Ohio

Although car insurance is cheaper in Ohio than in most states, there are ways to save even more money on your premiums:

Boost your credit: You can improve your insurance credit score by paying down existing credit card debt and making all your payments on time. Over time, a better score can help you secure a lower rate on your car insurance.
Increase your deductible: Increasing your deductible — for example, raising it from $500 to $1,000 — will lower your monthly or annual premiums.
Ask about discounts: Contact your agent to discuss lowering your premiums. You may be eligible for programs such as good student, paperless, safe driving, or claims-free discounts.
Shop around: Many insurers issue car insurance policies in Ohio. Shopping around and comparing options from the best car insurance companies may help you save money.
Complete a mature driver program: In Ohio, drivers who are 60 or older can complete a mature driving course. Upon successfully finishing the course, you can present your course certificate to your insurer and qualify for a discount.

FAQs about car insurance costs in OH

Is car insurance expensive in OH?

Relative to the cost of car insurance in other states, coverage in Ohio is inexpensive. On average, Ohio drivers pay $123 per year for full coverage insurance.

How much is car insurance per year in OH?

The average cost of car insurance in Ohio is $123 per year for full coverage. For drivers that opt for state-minimum insurance, the average cost is $70 per year.

Data throughout provided by Insurify.

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