Find Cheaper Ohio Car Insurance Rates in 2024

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Estimated insurance rates in Ohio for 2024 are $970 annually with full coverage. Comprehensive, collision insurance, and liability cost around $216, $394, and $250, respectively. Youngstown, Toledo, and Cleveland average the highest average rates, and the two largest writers in Ohio are State Farm and Progressive.

Average rate for full coverage: $970

Premium estimates for individual coverage type:

Comprehensive $216
Collision $394
Liability $250

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range of Car Insurance in Ohio

For a driver in their 40's, insurance rates range from the low end price of $296 for minimum levels of liability insurance to a high of $2,094 for a driver who has had serious violations or accidents.

Liability Only $296
Full Coverage $970
High Risk $2,094

These rate differences demonstrate why it is important to compare rates for a specific zip code, instead of depending on generic averages.

Use the form below to get accurate rates for your location.

Enter your Ohio zip code below to view companies that have cheap auto insurance rates.

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Ohio car insurance rate comparison chart
Column chart showing Ohio car insurance prices range from $556 to $3,570 for full coverage

The chart above shows Ohio auto insurance prices for various risks and coverage choices. The cheapest discount price is $556. Drivers who choose higher $1,000 deductibles will pay $832. The average price for a driver age 40 with no violations using $500 deductibles is $970. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,240. High risk drivers could be charged up to $2,094. The cost for full coverage insurance for a 16-year-old driver is $3,570.

Car insurance rates in Ohio also have a wide range based on the type of vehicle you drive, your age and driving habits, and deductibles and policy limits.

Where you choose to live in Ohio makes a big difference in auto insurance prices. Rural areas might see rates around $700 a year, while Youngstown and Toledo could have rates closer to $1,300. Even different areas with close proximity in the same city can have a wide range of rates.

These rate differences demonstrate why it is so important to get rates for your specific Ohio zip code.

View Chart as Image

Ohio insurance rates by city

The company you choose affects your policy price. Each company has a different rate structure, and prices can change based on indivdual risk characteristics.

In Ohio, auto insurance prices range from $641 with Utica National to as much as $2,571 with Safeco. Other companies like Erie, Allied, and Frankenmuth fall in the middle. Those are not necessarily the prices you would have to pay, as your location, your driving history, and the vehicle type all influence the price.

Ohio Auto Insurance Companies by Market Share and Average Rate
Rank Company Market Share Average Rate
1 State Farm 19.58% $876
2 Progressive 12.25% $972
3 Allstate 10.70% $1,810
4 Nationwide 9.08% $683
5 Geico 6.23% $1,072
6 Grange Mutual 5.42% $820
7 Liberty Mutual 4.60% $1,649
8 Erie Insurance 3.02% $674
9 American Family 2.68% $1,031
10 Westfield 2.60% $927
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Choosing high deductibles could save up to $410 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $225 extra every 12 months. View Rates by Deductible or Liability Limit

The make and model of vehicle you drive has a significant impact on how much you will pay for insurance in Ohio. Buying a less expensive and safe model will be cheaper to insure due to cheaper repair costs and less likelihood of injuries in accidents.

This table shows car insurance premium estimates for some of the more popular vehicles insured in Ohio.

Ohio Auto Insurance Rates for Popular Vehicles
Make and Model Premium % to Avg
Chevrolet Silverado $1,024 5.3%
Dodge Ram $1,052 7.8%
Ford Escape $806 -20.3%
Ford Focus $938 -3.4%
Ford Fusion $1,030 5.8%
Ford F-150 $912 -6.4%
GMC Acadia $894 -8.5%
GMC Sierra $1,008 3.8%
Honda Accord $906 -7.1%
Honda Civic $1,060 8.5%
Honda CR-V $784 -23.7%
Honda Pilot $922 -5.2%
Hyundai Sonata $984 1.4%
Kia Optima $1,002 3.2%
Nissan Altima $998 2.8%
Nissan Rogue $974 0.4%
Toyota Camry $988 1.8%
Toyota Corolla $966 -0.4%
Toyota Prius $898 -8%
Toyota RAV4 $916 -5.9%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $3,500 a year. View Rates by Age

If you have a few violations or you caused an accident, you may be forking out at least $1,200 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can cost from 45% to 138% more than average. View High Risk Driver Rates

With so much difference in prices, the best way to find out your exact price is to get quotes from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different.

Ohio Auto Insurance Articles

Rates by Driver Age

Ohio Insurance Rates by Driver Age
Driver Age Premium
16 $3,570
20 $2,240
30 $1,016
40 $970
50 $884
60 $868

Full coverage, $500 deductibles

Rates by Deductible

Ohio Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,240
$250 $1,116
$500 $970
$1,000 $832

Full coverage, driver age 40

Rates by Liability Limit

Ohio Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $970
50/100 $1,020
100/300 $1,083
250/500 $1,245
100 CSL $1,045
300 CSL $1,183
500 CSL $1,283

Full coverage, driver age 40

Rates for High Risk Drivers

Ohio Car Insurance Rates for High Risk Drivers
Age Premium
16 $5,100
20 $3,558
30 $2,146
40 $2,094
50 $2,000
60 $1,982

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $134

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $52
Multi-vehicle $50
Homeowner $14
5-yr Accident Free $73
5-yr Claim Free $62
Paid in Full/EFT $46
Advance Quote $48
Online Quote $69
Total Discounts $414
Rate after discounts $556

Discounts are estimated and may not be available from every company or in every state.

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