Average cost of car insurance in Ohio for 2022

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The average cost of auto insurance in Ohio is $1,200 per year for full coverage and $336 per year for minimum coverage, based on 2022 rate data from Quadrant Information Services. Drivers in Ohio on average pay much lower auto insurance rates than drivers in neighboring states, such as Pennsylvania and Kentucky. Several factors contribute to the low cost of auto insurance in Ohio, including below-average accident frequency and severity and a relatively low number of estimated uninsured drivers.

How much does car insurance cost in Ohio?

Car insurance premiums are different in every state, but besides the state you live in, factors such as your age, zip code, car insurance company and the types of coverage you choose and your record driving will also have an impact on your premium.

Fortunately for Ohio drivers, car insurance rates are significantly lower than what the average American driver pays. Drivers in Ohio pay an average of $1,200 per year for full coverage and $336 per year for minimum coverage. In the United States, the average cost of car insurance is $545 per year for minimum coverage and $1,771 per year for full coverage.

That means drivers in Ohio pay an average of $571 less for full coverage and $209 less for minimum coverage. The average cost of comprehensive auto insurance in Ohio is about 32% less than the US average.

Ohio auto insurance rates by company

Average auto insurance rates in Ohio vary widely depending on the insurance company you purchase coverage from. Some companies offer significantly lower auto insurance premiums, such as Geico and Hastings Mutual, while others, such as Allstate and Esurance, offer higher rates on average. The chart below includes average annual auto insurance rates from some of Ohio’s top auto insurance companies.

Allstate $2,102 $318
American family $1,579 $551
car owners $1,006 $275
Mutual Insurance Center $936 $299
Encompass $1,083 $418
Erie $1,084 $278
Insurance $2,174 $713
Farmers $1,067 $441
Frankenmuth $1,176 $275
Geico $671 $238
barn $1,350 $459
Mutual of Hastings $659 $258
National mutual $990 $264
At national scale $1,015 $366
progressive $1,175 $333
state farm $848 $237
USAA $846 $235
Westfield $1,404 $359

Auto insurance rates in Ohio by city

Ohio car insurance rates can be more expensive in some cities due to factors such as vehicle theft and vandalism rates, number of uninsured drivers, risk of extreme weather, etc. Based on the data, Cleveland has the highest average fares, while Mansfield has the lowest average fares.

In the chart below, we’ve highlighted the average cost of auto insurance in Ohio’s most populous cities and noted how the average premium compares to the average state rate.

Cleveland $1,614 35%
Cincinnati $1,266 6%
Toledo $1,358 13%
Akron $1,262 5%
Dayton $1,205 0%
Canton $1,187 -1%
Youngstown $1,386 16%
Lorain $1,101 -8%
hamilton $1,203 0%
Springfield $1,153 -4%
Elyria $1,192 -1%
Lakewood $1,174 -2%
newark $1,167 -3%
Cuyahoga Falls $1,123 -6%
Middletown $1,161 -3%
Dublin $1,235 3%
Mentor $1,078 -ten%
Euclid $1,285 seven%
Mansfield $1,065 -11%

Ohio auto insurance rates by age

Young drivers typically pay the highest car insurance rates because they have the least driving experience and a high accident frequency. Once you hit the age of 25, car insurance rates generally start to drop, barring any other issues, such as a poor driving record. Around age 70, auto insurance rates begin to rise again.

Here are the average annual auto insurance premiums in Ohio for different age groups:

*Driver 16-20 based on parent’s policy.

Ohio auto insurance rates by driving record

When you first buy an auto insurance policy and each time you renew your policy, your insurance company will review your driving record. If you have negative marks on your record, such as a speeding conviction or at-fault accident, your rate will increase. For example, after an at-fault accident in Ohio, your car insurance premium could increase by about 32%. In the table below, we’ve highlighted several traffic violations and how much they will increase your premium in Ohio.

Conviction for speeding $1,406 17%
At-fault accident $1,668 39%
DUI $2,209 84%

How to Save on Car Insurance in Ohio

Even though Ohio car insurance rates are cheaper than the national average, many drivers want to save more money on their policy. Here are some ways to get a lower rate:

  • Benefit from discounts: Look for car insurance companies that offer discounts that you can claim. There are often savings for good students, being claim-free and having advanced safety features in your vehicle.
  • Pay your premium in full: If you can afford to pay your annual car insurance premium up front and in full, rather than in monthly or quarterly installments, your car insurance company will likely lower your rate.
  • Maintain a good driving record: Drivers with a clean motor vehicle record generally pay the lowest car insurance rates and may qualify for safe driver discounts. If you have a history of at-fault accidents or travel violations, working to maintain a clean driving record could help you earn a cheaper premium over time.
  • Change insurer: Switching insurance companies can help you save money if you find another provider who can offer you a cheaper rate.

Frequently Asked Questions

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