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Average cost of car insurance in Ohio for 2024
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Ohio?
Fortunately for drivers in the Buckeye State, average car insurance costs in Ohio are significantly lower than what the average American driver pays. Ohio drivers pay an average of $1,499 per year for full coverage and $412 per year for minimum coverage. In the U.S., the average cost of car insurance is $678 per year for minimum coverage and $2,458 per year for full coverage. While car insurance premiums can vary greatly between states, there are also other factors that go into determining your rates within the same state. In Ohio, your ZIP code, vehicle type, age, insurance company, coverage selections, credit history and gender may also influence what you pay for car insurance.
Key takeaways
- The average cost of car insurance in Ohio rounds out to about $125 per month for full coverage and just $34 per month for minimum coverage.
- According to Bankrate's analysis, the average rate for full coverage car insurance in Ohio is roughly 37 percent less than the national average of $2,458.
- 18-year-old drivers on their own policy face the highest average rates in the state based on the age groups we analyzed.
- Having an OVI (operating a vehicle impaired) on your driving record in Ohio, on average, increases your rates by 91 percent more.
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Ohio car insurance rates by city
Auto insurance rates in Ohio can vary between cities for several reasons, including how frequent traffic accidents are in the area, the local average value of vehicles, weather risks, infrastructure problems, cost of repairs and more. As you can see from the table below, Cleveland and Columbus have notably higher average rates than the other cities. Part of what's happening with those cities is related to how densely populated they are and how high the population is overall, including more crowded highways and higher accident frequency and severity rates. More drivers means more risk, especially if those drivers are condensed into a relatively small area.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Custar | $1,313 | -13% |
| Edgerton | $1,348 | -11% |
| Grelton | $1,345 | -11% |
| Mc Clure | $1,336 | -11% |
| Malinta | $1,330 | -12% |
| Wauseon | $1,365 | -9% |
| Toledo | $1,690 | +12% |
| Westerville | $1,567 | +4% |
| Hebron | $1,449 | -3% |
| Ashville | $1,461 | -3% |
| Groveport | $1,645 | +9% |
| Washington Court House | $1,400 | -7% |
| Columbus | $1,685 | +12% |
| Lynx | $1,586 | +6% |
| Rio Grande | $1,614 | +7% |
| Belpre | $1,541 | +3% |
| Hockingport | $1,520 | +1% |
| New Marshfield | $1,499 | -0% |
| Wayne | $1,284 | -15% |
| Haskins | $1,284 | -15% |
| Holland | $1,413 | -6% |
| Kunkle | $1,354 | -10% |
| Liberty Center | $1,349 | -11% |
| Ridgeville Corners | $1,348 | -11% |
| Zanesville | $1,436 | -4% |
| Richfield | $1,301 | -14% |
| Akron | $1,572 | +5% |
| Petersburg | $1,428 | -5% |
| Warren | $1,438 | -4% |
| Kipling | $1,467 | -2% |
| Stockport | $1,565 | +4% |
| Summerfield | $1,532 | +2% |
| Woodsfield | $1,593 | +6% |
| Baltic | $1,434 | -4% |
| Frazeysburg | $1,519 | +1% |
| Nashport | $1,482 | -1% |
| Newcomerstown | $1,450 | -3% |
| Amsterdam | $1,513 | +1% |
| Fairpoint | $1,466 | -2% |
| Hammondsville | $1,598 | +6% |
| Irondale | $1,592 | +6% |
| Richwood | $1,392 | -7% |
| Lacarne | $1,295 | -15% |
| Pemberville | $1,284 | -15% |
| Rossford | $1,374 | -9% |
| Wingett Run | $1,550 | +3% |
| Lima | $1,331 | -12% |
| Convoy | $1,268 | -17% |
| Haviland | $1,315 | -13% |
| Vanlue | $1,291 | -15% |
| Waynesfield | $1,317 | -13% |
| West Millgrove | $1,292 | -15% |
| Alvordton | $1,363 | -10% |
| Hoytville | $1,307 | -14% |
| Mark Center | $1,361 | -10% |
| Monclova | $1,357 | -10% |
| Montpelier | $1,369 | -9% |
| Swanton | $1,369 | -9% |
| Tontogany | $1,292 | -15% |
| Waterville | $1,303 | -14% |
| Barnesville | $1,506 | +0% |
| Georgetown | $1,528 | +2% |
| Goshen | $1,440 | -4% |
| Sunbury | $1,464 | -2% |
| Jeffersonville | $1,410 | -6% |
| Lockbourne | $1,617 | +8% |
| Union Furnace | $1,516 | +1% |
| West Jefferson | $1,415 | -6% |
| Kingston | $1,463 | -2% |
| West Portsmouth | $1,599 | +6% |
| West Union | $1,594 | +6% |
| Marietta | $1,520 | +1% |
| New Matamoras | $1,569 | +5% |
| Bremen | $1,463 | -2% |
| Haydenville | $1,507 | +0% |
| Laurelville | $1,504 | +0% |
| Milledgeville | $1,426 | -5% |
| Rockbridge | $1,519 | +1% |
| Sedalia | $1,427 | -5% |
| Frankfort | $1,473 | -2% |
| Latham | $1,547 | +3% |
| Reynoldsburg | $1,641 | +9% |
| Rosewood | $1,429 | -5% |
| Urbana | $1,431 | -5% |
| Woodstock | $1,416 | -6% |
| Bloomingburg | $1,416 | -6% |
| Circleville | $1,443 | -4% |
| Commercial Point | $1,445 | -4% |
| Galloway | $1,607 | +7% |
| Harrisburg | $1,483 | -1% |
| Logan | $1,515 | +1% |
| Stoutsville | $1,457 | -3% |
| Gallipolis | $1,597 | +6% |
| Hallsville | $1,486 | -1% |
| Haverhill | $1,607 | +7% |
| Otway | $1,641 | +9% |
| Patriot | $1,637 | +9% |
| Portsmouth | $1,579 | +5% |
| Scioto Furnace | $1,610 | +7% |
| Stockdale | $1,541 | +3% |
| Wheelersburg | $1,574 | +5% |
| New Holland | $1,449 | -3% |
| South Bloomingville | $1,551 | +3% |
| South Solon | $1,429 | -5% |
| Cynthiana | $1,544 | +3% |
| Hamden | $1,544 | +3% |
| Ironton | $1,557 | +4% |
| Londonderry | $1,490 | -1% |
| Peebles | $1,570 | +5% |
| Ray | $1,534 | +2% |
| Rock Camp | $1,592 | +6% |
| Wakefield | $1,546 | +3% |
| Macksburg | $1,558 | +4% |
| Reedsville | $1,616 | +8% |
| Middletown | $1,424 | -5% |
| Blanchester | $1,433 | -5% |
| Hamersville | $1,526 | +2% |
| Morrow | $1,418 | -6% |
| Mowrystown | $1,481 | -1% |
| Cincinnati | $1,582 | +5% |
| Adelphi | $1,479 | -1% |
| Carbon Hill | $1,509 | +1% |
| Orient | $1,465 | -2% |
| Franklin Furnace | $1,593 | +6% |
| Kerr | $1,588 | +6% |
| Mc Dermott | $1,600 | +7% |
| Rarden | $1,622 | +8% |
| Wilkesville | $1,540 | +3% |
| Dexter City | $1,502 | +0% |
| Langsville | $1,620 | +8% |
| Raymond | $1,366 | -9% |
| Westville | $1,413 | -6% |
| Newark | $1,445 | -4% |
| Clarksburg | $1,463 | -2% |
| Pickerington | $1,611 | +7% |
| Crown City | $1,630 | +8% |
| Kitts Hill | $1,603 | +7% |
| Wellston | $1,540 | +3% |
| Amesville | $1,535 | +2% |
| Carbondale | $1,502 | +0% |
| Coolville | $1,520 | +1% |
| Long Bottom | $1,626 | +8% |
| Lower Salem | $1,553 | +4% |
| Millfield | $1,493 | -0% |
| Shade | $1,515 | +1% |
| Fulton | $1,381 | -8% |
| Harpster | $1,328 | -12% |
| Lewistown | $1,377 | -8% |
| Morral | $1,371 | -9% |
| Shauck | $1,349 | -11% |
| Sparta | $1,397 | -7% |
| Fremont | $1,239 | -19% |
| Isle Saint George | $1,279 | -16% |
| Luckey | $1,293 | -15% |
| Tuppers Plains | $1,619 | +8% |
| Celina | $1,258 | -17% |
| De Graff | $1,415 | -6% |
| Kirby | $1,305 | -14% |
| Clyde | $1,249 | -18% |
| Elmore | $1,276 | -16% |
| Jerry City | $1,301 | -14% |
| Lemoyne | $1,312 | -13% |
| Martin | $1,305 | -14% |
| Millbury | $1,342 | -11% |
| Stewart | $1,529 | +2% |
| Vincent | $1,559 | +4% |
| Belmore | $1,310 | -13% |
| Benton Ridge | $1,272 | -16% |
| Chickasaw | $1,264 | -17% |
| Harrod | $1,316 | -13% |
| Willshire | $1,282 | -16% |
| Delaware | $1,418 | -6% |
| Dublin | $1,510 | +1% |
| Kilbourne | $1,447 | -4% |
| Kirkersville | $1,470 | -2% |
| Lewis Center | $1,562 | +4% |
| Pataskala | $1,466 | -2% |
| Sidney | $1,340 | -11% |
| West Alexandria | $1,407 | -6% |
| Dayton | $1,474 | -2% |
| Cheshire | $1,612 | +7% |
| Summit Station | $1,502 | +0% |
| Brice | $1,615 | +7% |
| Canal Winchester | $1,533 | +2% |
| Carroll | $1,473 | -2% |
| London | $1,413 | -6% |
| Rushville | $1,466 | -2% |
| Lucasville | $1,515 | +1% |
| Proctorville | $1,594 | +6% |
| Willow Wood | $1,644 | +9% |
| Cable | $1,429 | -5% |
| Catawba | $1,432 | -5% |
| Marysville | $1,361 | -10% |
| South Charleston | $1,425 | -5% |
| Verona | $1,386 | -8% |
| West Milton | $1,349 | -11% |
| Springfield | $1,437 | -4% |
| Ashley | $1,438 | -4% |
| Fredericktown | $1,454 | -3% |
| Irwin | $1,393 | -7% |
| Mechanicsburg | $1,420 | -5% |
| Heath | $1,454 | -3% |
| North Lewisburg | $1,418 | -6% |
| Pemberton | $1,343 | -11% |
| Rossburg | $1,341 | -11% |
| Beaver | $1,525 | +2% |
| Coalton | $1,536 | +2% |
| Buckeye Lake | $1,453 | -3% |
| Tipp City | $1,347 | -11% |
| Vandalia | $1,379 | -8% |
| Powell | $1,555 | +4% |
| South Vienna | $1,435 | -4% |
| Bainbridge | $1,527 | +2% |
| Bourneville | $1,516 | +1% |
| Chesapeake | $1,609 | +7% |
| Spencer | $1,325 | -12% |
| Brookfield | $1,420 | -5% |
| Hanoverton | $1,415 | -6% |
| Newton Falls | $1,408 | -6% |
| Alexandria | $1,478 | -1% |
| Granville | $1,444 | -4% |
| Millersport | $1,468 | -2% |
| Mount Liberty | $1,472 | -2% |
| Potsdam | $1,352 | -10% |
| Bidwell | $1,618 | +8% |
| Archbold | $1,354 | -10% |
| Holgate | $1,333 | -12% |
| Milton Center | $1,307 | -14% |
| Berkey | $1,347 | -11% |
| Blakeslee | $1,362 | -10% |
| Bryan | $1,338 | -11% |
| Evansport | $1,361 | -10% |
| Sherwood | $1,355 | -10% |
| Oregon | $1,362 | -10% |
| Cedarville | $1,396 | -7% |
| Fletcher | $1,353 | -10% |
| Lewisburg | $1,404 | -7% |
| New Madison | $1,358 | -10% |
| Neville | $1,489 | -1% |
| Walbridge | $1,340 | -11% |
| Edon | $1,374 | -9% |
| Fayette | $1,366 | -9% |
| Maumee | $1,365 | -9% |
| Napoleon | $1,331 | -12% |
| Pioneer | $1,369 | -9% |
| West Unity | $1,363 | -10% |
| Defiance | $1,349 | -11% |
| Deshler | $1,326 | -12% |
| Metamora | $1,376 | -9% |
| Ney | $1,354 | -10% |
| Perrysburg | $1,303 | -14% |
| Whitehouse | $1,344 | -11% |
| Northwood | $1,362 | -10% |
| Amlin | $1,484 | -1% |
| Gambier | $1,498 | -0% |
| Martinsburg | $1,499 | -0% |
| Mingo | $1,433 | -4% |
| New Albany | $1,567 | +4% |
| Plain City | $1,398 | -7% |
| Osgood | $1,327 | -12% |
| Troy | $1,317 | -13% |
| Union City | $1,346 | -11% |
| Chillicothe | $1,484 | -1% |
| Blue Creek | $1,591 | +6% |
| Stony Ridge | $1,297 | -14% |
| Hamler | $1,332 | -12% |
| Okolona | $1,345 | -11% |
| Centerburg | $1,469 | -2% |
| Youngstown | $1,707 | +13% |
| Brewster | $1,399 | -7% |
| Dalton | $1,337 | -11% |
| Dundee | $1,405 | -6% |
| Tuscarawas | $1,396 | -7% |
| Powhatan Point | $1,499 | -0% |
| Rayland | $1,586 | +6% |
| Stratton | $1,562 | +4% |
| Toronto | $1,550 | +3% |
| Freeport | $1,539 | +3% |
| Hopedale | $1,502 | +0% |
| New Rumley | $1,517 | +1% |
| Holloway | $1,523 | +2% |
| Columbia Station | $1,299 | -14% |
| Grafton | $1,315 | -13% |
| Lagrange | $1,325 | -12% |
| Macedonia | $1,306 | -14% |
| Perry | $1,341 | -11% |
| Wellington | $1,341 | -11% |
| Canton | $1,489 | -1% |
| Alvada | $1,290 | -15% |
| Arcadia | $1,291 | -15% |
| Green Springs | $1,261 | -17% |
| Jeromesville | $1,345 | -11% |
| New Washington | $1,317 | -13% |
| Mansfield | $1,335 | -12% |
| Fairfield | $1,442 | -4% |
| Bloomville | $1,296 | -15% |
| Greenwich | $1,342 | -11% |
| Lucas | $1,347 | -11% |
| Melmore | $1,279 | -16% |
| New Riegel | $1,279 | -16% |
| Pedro | $1,617 | +8% |
| South Point | $1,589 | +6% |
| Chauncey | $1,489 | -1% |
| Lowell | $1,536 | +2% |
| Graysville | $1,603 | +7% |
| Sharpsburg | $1,527 | +2% |
| East Liberty | $1,385 | -8% |
| Mount Gilead | $1,360 | -10% |
| Russells Point | $1,373 | -9% |
| Bowling Green | $1,265 | -17% |
| Lakeside Marblehead | $1,291 | -15% |
| Middle Bass | $1,266 | -17% |
| Put In Bay | $1,269 | -17% |
| Bluffton | $1,289 | -15% |
| Salineville | $1,427 | -5% |
| Sardis | $1,570 | +5% |
| Steubenville | $1,520 | +1% |
| Avon | $1,307 | -14% |
| Lorain | $1,335 | -12% |
| Middlefield | $1,452 | -3% |
| Northfield | $1,297 | -14% |
| Pierpont | $1,471 | -2% |
| Twinsburg | $1,298 | -14% |
| Sharon Center | $1,307 | -14% |
| Sterling | $1,324 | -12% |
| Wadsworth | $1,293 | -15% |
| Greenford | $1,416 | -6% |
| Mineral Ridge | $1,426 | -5% |
| Orangeville | $1,435 | -4% |
| Cumberland | $1,491 | -1% |
| East Fultonham | $1,477 | -2% |
| Fairview | $1,502 | +0% |
| New Lexington | $1,527 | +2% |
| Sarahsville | $1,522 | +1% |
| Shawnee | $1,529 | +2% |
| Blissfield | $1,518 | +1% |
| Conesville | $1,485 | -1% |
| Coshocton | $1,486 | -1% |
| Dresden | $1,502 | +0% |
| Walhonding | $1,525 | +2% |
| Bridgeport | $1,471 | -2% |
| Continental | $1,317 | -13% |
| Fort Recovery | $1,253 | -18% |
| Oakwood | $1,335 | -12% |
| Vaughnsville | $1,297 | -14% |
| Columbus Grove | $1,280 | -16% |
| Dupont | $1,321 | -13% |
| Melrose | $1,324 | -12% |
| Saint Henry | $1,253 | -18% |
| Venedocia | $1,286 | -15% |
| Seven Mile | $1,453 | -3% |
| Shandon | $1,464 | -2% |
| Springboro | $1,361 | -10% |
| West Chester | $1,392 | -7% |
| Bethel | $1,477 | -1% |
| Milford | $1,413 | -6% |
| Mount Orab | $1,499 | -0% |
| Sabina | $1,399 | -7% |
| Belmont | $1,490 | -1% |
| Blue Rock | $1,476 | -2% |
| Junction City | $1,524 | +2% |
| Moxahala | $1,537 | +2% |
| Salesville | $1,491 | -1% |
| Hannibal | $1,547 | +3% |
| Beallsville | $1,586 | +6% |
| Belle Valley | $1,526 | +2% |
| Chesterhill | $1,560 | +4% |
| Stafford | $1,588 | +6% |
| Bakersville | $1,438 | -4% |
| Bartlett | $1,573 | +5% |
| Beverly | $1,507 | +1% |
| Portland | $1,627 | +8% |
| Reno | $1,543 | +3% |
| Broadway | $1,393 | -7% |
| Hilliard | $1,533 | +2% |
| Hamilton | $1,475 | -2% |
| Harrison | $1,443 | -4% |
| Mount Saint Joseph | $1,522 | +1% |
| Felicity | $1,516 | +1% |
| Loveland | $1,401 | -7% |
| Aberdeen | $1,549 | +3% |
| Woodville | $1,260 | -17% |
| Alpha | $1,369 | -9% |
| Arcanum | $1,357 | -10% |
| Germantown | $1,389 | -8% |
| Miamisburg | $1,354 | -10% |
| Fayetteville | $1,495 | -0% |
| Higginsport | $1,539 | +3% |
| Martinsville | $1,437 | -4% |
| Miamiville | $1,443 | -4% |
| New Vienna | $1,436 | -4% |
| Owensville | $1,444 | -4% |
| Sinking Spring | $1,498 | -0% |
| Derwent | $1,480 | -1% |
| Laings | $1,574 | +5% |
| Senecaville | $1,517 | +1% |
| Plainfield | $1,476 | -2% |
| West Lafayette | $1,465 | -2% |
| Alledonia | $1,523 | +2% |
| Blaine | $1,486 | -1% |
| Dillonvale | $1,609 | +7% |
| Hooven | $1,458 | -3% |
| Okeana | $1,441 | -4% |
| Oxford | $1,424 | -5% |
| Bentonville | $1,560 | +4% |
| Leesburg | $1,439 | -4% |
| Hicksville | $1,348 | -11% |
| Stryker | $1,362 | -10% |
| Ava | $1,504 | +0% |
| Martins Ferry | $1,483 | -1% |
| Austinburg | $1,447 | -4% |
| Chardon | $1,421 | -5% |
| Elyria | $1,326 | -12% |
| Mentor | $1,318 | -13% |
| Willoughby | $1,334 | -12% |
| Galena | $1,454 | -3% |
| Howard | $1,498 | -0% |
| Magnetic Springs | $1,397 | -7% |
| Mount Vernon | $1,462 | -3% |
| North Hampton | $1,396 | -7% |
| West Manchester | $1,397 | -7% |
| Monroe | $1,418 | -6% |
| Somerville | $1,439 | -4% |
| Trenton | $1,448 | -3% |
| Batavia | $1,436 | -4% |
| Port William | $1,421 | -5% |
| Danville | $1,496 | -0% |
| Johnstown | $1,504 | +0% |
| Palestine | $1,347 | -11% |
| Spring Valley | $1,410 | -6% |
| Versailles | $1,334 | -12% |
| Yorkshire | $1,336 | -11% |
| South Lebanon | $1,419 | -5% |
| Feesburg | $1,526 | +2% |
| Moscow | $1,499 | -0% |
| New Richmond | $1,473 | -2% |
| Pleasant Plain | $1,426 | -5% |
| Blacklick | $1,552 | +3% |
| Bladensburg | $1,487 | -1% |
| Brinkhaven | $1,504 | +0% |
| Croton | $1,512 | +1% |
| Radnor | $1,432 | -5% |
| Piqua | $1,322 | -13% |
| Port Jefferson | $1,341 | -11% |
| Russia | $1,330 | -12% |
| Wilberforce | $1,379 | -8% |
| Christiansburg | $1,373 | -9% |
| Cherry Fork | $1,561 | +4% |
| Harveysburg | $1,409 | -6% |
| Kings Mills | $1,401 | -7% |
| Maineville | $1,412 | -6% |
| North Bend | $1,488 | -1% |
| Oregonia | $1,399 | -7% |
| Chilo | $1,484 | -1% |
| Clarksville | $1,432 | -5% |
| Cuba | $1,435 | -4% |
| Lynchburg | $1,455 | -3% |
| Wilmington | $1,413 | -6% |
| Lakeview | $1,364 | -9% |
| Marengo | $1,402 | -7% |
| Martel | $1,367 | -9% |
| Quincy | $1,390 | -8% |
| Ridgeway | $1,357 | -10% |
| Rushsylvania | $1,399 | -7% |
| Cygnet | $1,295 | -15% |
| Kelleys Island | $1,298 | -14% |
| Risingsun | $1,297 | -14% |
| The Plains | $1,478 | -1% |
| Dunkirk | $1,337 | -11% |
| Elgin | $1,292 | -15% |
| Leipsic | $1,286 | -15% |
| Mc Guffey | $1,352 | -10% |
| Mount Cory | $1,277 | -16% |
| North Baltimore | $1,299 | -14% |
| Ohio City | $1,280 | -16% |
| Paulding | $1,328 | -12% |
| Wren | $1,285 | -15% |
| Jenera | $1,296 | -15% |
| Grover Hill | $1,299 | -14% |
| New Bremen | $1,262 | -17% |
| Pandora | $1,283 | -16% |
| Spencerville | $1,289 | -15% |
| Chesterville | $1,393 | -7% |
| New Bloomington | $1,374 | -9% |
| Upper Sandusky | $1,301 | -14% |
| Rocky Ridge | $1,272 | -16% |
| Greenville | $1,348 | -11% |
| Houston | $1,351 | -10% |
| Jamestown | $1,392 | -7% |
| New Lebanon | $1,402 | -7% |
| Saint Louisville | $1,485 | -1% |
| Thornville | $1,464 | -2% |
| Unionville Center | $1,402 | -7% |
| Murray City | $1,505 | +0% |
| Sugar Grove | $1,444 | -4% |
| Thurston | $1,449 | -3% |
| Mc Arthur | $1,544 | +3% |
| Oak Hill | $1,563 | +4% |
| Seaman | $1,569 | +5% |
| South Salem | $1,501 | +0% |
| Stout | $1,640 | +9% |
| Buchtel | $1,503 | +0% |
| Middleport | $1,607 | +7% |
| Bethesda | $1,500 | +0% |
| Chandlersville | $1,461 | -3% |
| Crooksville | $1,533 | +2% |
| Glenford | $1,503 | +0% |
| Bellaire | $1,471 | -2% |
| Mingo Junction | $1,495 | -0% |
| Piney Fork | $1,605 | +7% |
| Shadyside | $1,498 | -0% |
| Lafferty | $1,499 | +0% |
| Tiltonsville | $1,584 | +5% |
| New Athens | $1,521 | +1% |
| Dorset | $1,477 | -1% |
| Jefferson | $1,464 | -2% |
| Vermilion | $1,276 | -16% |
| Milford Center | $1,376 | -9% |
| Pitsburg | $1,362 | -10% |
| Pleasant Hill | $1,345 | -11% |
| Gates Mills | $1,422 | -5% |
| Huntsburg | $1,448 | -3% |
| Oberlin | $1,324 | -12% |
| Rock Creek | $1,477 | -1% |
| Rome | $1,486 | -1% |
| Yorkville | $1,575 | +5% |
| Bannock | $1,475 | -2% |
| Burton | $1,446 | -4% |
| Chagrin Falls | $1,451 | -3% |
| Conneaut | $1,447 | -4% |
| Sheffield Lake | $1,332 | -12% |
| Madison | $1,343 | -11% |
| Newbury | $1,437 | -4% |
| Wickliffe | $1,355 | -10% |
| Eastlake | $1,331 | -12% |
| Corning | $1,542 | +3% |
| Jerusalem | $1,577 | +5% |
| Morristown | $1,494 | -0% |
| New Concord | $1,464 | -2% |
| Cameron | $1,565 | +4% |
| East Liverpool | $1,424 | -5% |
| Lansing | $1,483 | -1% |
| Wellsville | $1,433 | -5% |
| Berea | $1,341 | -11% |
| East Claridon | $1,426 | -5% |
| North Olmsted | $1,353 | -10% |
| Novelty | $1,433 | -4% |
| Hopewell | $1,477 | -1% |
| Lewisville | $1,607 | +7% |
| Lore City | $1,474 | -2% |
| Malta | $1,548 | +3% |
| Stone Creek | $1,411 | -6% |
| Warsaw | $1,532 | +2% |
| Brilliant | $1,565 | +4% |
| Cleveland | $2,002 | +29% |
| Creston | $1,304 | -14% |
| Westfield Center | $1,318 | -13% |
| Mogadore | $1,382 | -8% |
| Brownsville | $1,494 | -0% |
| Fultonham | $1,485 | -1% |
| Gratiot | $1,481 | -1% |
| Fresno | $1,474 | -2% |
| East Springfield | $1,591 | +6% |
| Delphos | $1,278 | -16% |
| Forest | $1,335 | -12% |
| Van Wert | $1,262 | -17% |
| Brunswick | $1,281 | -16% |
| Cuyahoga Falls | $1,389 | -8% |
| Medina | $1,280 | -16% |
| Westlake | $1,339 | -11% |
| Washingtonville | $1,360 | -10% |
| Charm | $1,431 | -5% |
| Dellroy | $1,485 | -1% |
| Dover | $1,366 | -9% |
| East Sparta | $1,433 | -5% |
| Killbuck | $1,516 | +1% |
| Malvern | $1,462 | -3% |
| Marshallville | $1,333 | -12% |
| Mineral City | $1,425 | -5% |
| Mount Eaton | $1,371 | -9% |
| Sebring | $1,378 | -8% |
| Louisville | $1,380 | -8% |
| Massillon | $1,386 | -8% |
| Nashville | $1,435 | -4% |
| North Ridgeville | $1,293 | -15% |
| Grand River | $1,319 | -13% |
| Kipton | $1,342 | -11% |
| Painesville | $1,326 | -12% |
| Attica | $1,305 | -14% |
| Plymouth | $1,317 | -13% |
| Sandusky | $1,289 | -15% |
| Addyston | $1,510 | +1% |
| Seville | $1,314 | -13% |
| Wayland | $1,384 | -8% |
| Bellefontaine | $1,381 | -8% |
| Caledonia | $1,363 | -10% |
| Cardington | $1,371 | -9% |
| Iberia | $1,335 | -12% |
| Dunbridge | $1,290 | -15% |
| Gypsum | $1,269 | -17% |
| Oak Harbor | $1,270 | -17% |
| Ada | $1,334 | -12% |
| Buckland | $1,272 | -16% |
| Cloverdale | $1,302 | -14% |
| Montezuma | $1,263 | -17% |
| New Knoxville | $1,262 | -17% |
| Ansonia | $1,342 | -11% |
| Bowersville | $1,381 | -8% |
| Gettysburg | $1,361 | -10% |
| New Carlisle | $1,381 | -8% |
| Valley City | $1,294 | -15% |
| Bristolville | $1,440 | -4% |
| Rogers | $1,441 | -4% |
| Vienna | $1,428 | -5% |
| Marion | $1,370 | -9% |
| Edison | $1,357 | -10% |
| Prospect | $1,383 | -8% |
| West Mansfield | $1,404 | -7% |
| Genoa | $1,297 | -14% |
| Graytown | $1,289 | -15% |
| Portage | $1,281 | -16% |
| Rudolph | $1,296 | -15% |
| Waterford | $1,556 | +4% |
| Gomer | $1,302 | -14% |
| Alger | $1,354 | -10% |
| Cairo | $1,290 | -15% |
| Dola | $1,342 | -11% |
| Findlay | $1,247 | -18% |
| Fort Loramie | $1,322 | -13% |
| Maria Stein | $1,257 | -18% |
| Mendon | $1,256 | -18% |
| Miller City | $1,314 | -13% |
| New Hampshire | $1,293 | -15% |
| Summitville | $1,431 | -5% |
| Piedmont | $1,527 | +2% |
| Jewett | $1,520 | +1% |
| Kingsville | $1,465 | -2% |
| Montville | $1,460 | -3% |
| Berlin Heights | $1,300 | -14% |
| Loudonville | $1,408 | -6% |
| Nevada | $1,326 | -12% |
| Shiloh | $1,336 | -12% |
| College Corner | $1,399 | -7% |
| Nankin | $1,342 | -11% |
| Norwalk | $1,290 | -15% |
| Nova | $1,340 | -11% |
| Savannah | $1,327 | -12% |
| Shelby | $1,330 | -12% |
| Sycamore | $1,324 | -12% |
| Unionville | $1,413 | -6% |
| Windham | $1,388 | -8% |
| Leavittsburg | $1,436 | -4% |
| Lisbon | $1,391 | -7% |
| New Springfield | $1,431 | -5% |
| North Benton | $1,383 | -8% |
| Jewell | $1,345 | -11% |
| Lyons | $1,370 | -9% |
| East Palestine | $1,393 | -7% |
| Lake Milton | $1,429 | -5% |
| North Lima | $1,416 | -6% |
| Southington | $1,419 | -5% |
| Cadiz | $1,524 | +2% |
| Bergholz | $1,624 | +8% |
| Rittman | $1,332 | -12% |
| Canfield | $1,413 | -6% |
| Columbiana | $1,373 | -9% |
| Elkton | $1,403 | -7% |
| New Middletown | $1,427 | -5% |
| Medway | $1,396 | -7% |
| Tallmadge | $1,324 | -12% |
| Cortland | $1,423 | -5% |
| Girard | $1,442 | -4% |
| Hubbard | $1,421 | -5% |
| Kensington | $1,454 | -3% |
| Kinsman | $1,477 | -2% |
| Salem | $1,349 | -11% |
| Botkins | $1,310 | -14% |
| Farmersville | $1,393 | -7% |
| Maplewood | $1,338 | -11% |
| La Rue | $1,375 | -9% |
| Bradner | $1,284 | -15% |
| Clay Center | $1,306 | -14% |
| Gibsonburg | $1,263 | -17% |
| Port Clinton | $1,261 | -17% |
| Whipple | $1,547 | +3% |
| Cecil | $1,339 | -11% |
| Ravenna | $1,366 | -9% |
| West Salem | $1,338 | -11% |
| Berlin Center | $1,427 | -5% |
| Campbell | $1,671 | +11% |
| Diamond | $1,439 | -4% |
| Fowler | $1,438 | -4% |
| Mc Donald | $1,415 | -6% |
| New Waterford | $1,401 | -7% |
| Anna | $1,322 | -13% |
| Enon | $1,405 | -6% |
| Ludlow Falls | $1,350 | -10% |
| Bascom | $1,275 | -16% |
| Castalia | $1,290 | -15% |
| Milan | $1,275 | -16% |
| Monroeville | $1,285 | -15% |
| Polk | $1,329 | -12% |
| Wapakoneta | $1,262 | -17% |
| Brookville | $1,390 | -8% |
| Burkettsville | $1,290 | -15% |
| Englewood | $1,375 | -9% |
| Jackson Center | $1,343 | -11% |
| Colton | $1,353 | -10% |
| Neapolis | $1,332 | -12% |
| New Bavaria | $1,329 | -12% |
| Sylvania | $1,382 | -8% |
| Weston | $1,305 | -14% |
| Cambridge | $1,448 | -3% |
| Duncan Falls | $1,443 | -4% |
| Mount Perry | $1,525 | +2% |
| Norwich | $1,453 | -3% |
| Pleasant City | $1,508 | +1% |
| Quaker City | $1,541 | +3% |
| Port Washington | $1,421 | -5% |
| Trinway | $1,498 | -0% |
| Bloomingdale | $1,600 | +7% |
| Bellbrook | $1,385 | -8% |
| Bradford | $1,356 | -10% |
| Rootstown | $1,373 | -9% |
| Burghill | $1,445 | -4% |
| Farmdale | $1,453 | -3% |
| Negley | $1,430 | -5% |
| Maynard | $1,469 | -2% |
| Saint Clairsville | $1,474 | -2% |
| Warnock | $1,476 | -2% |
| Amherst | $1,294 | -15% |
| Geneva | $1,428 | -5% |
| Thompson | $1,430 | -5% |
| Belle Center | $1,394 | -7% |
| Carey | $1,292 | -15% |
| Wharton | $1,306 | -14% |
| Zanesfield | $1,405 | -7% |
| Harbor View | $1,434 | -4% |
| Arlington | $1,294 | -15% |
| Mc Comb | $1,285 | -15% |
| Mount Blanchard | $1,302 | -14% |
| Ottawa | $1,258 | -17% |
| Ottoville | $1,285 | -15% |
| Saint Johns | $1,275 | -16% |
| Scott | $1,273 | -16% |
| Uniopolis | $1,283 | -16% |
| Van Buren | $1,285 | -15% |
| Williamstown | $1,318 | -13% |
| Grove City | $1,571 | +5% |
| Mount Sterling | $1,444 | -4% |
| Pleasantville | $1,452 | -3% |
| Tarlton | $1,479 | -1% |
| New Plymouth | $1,528 | +2% |
| Vinton | $1,633 | +9% |
| Zaleski | $1,555 | +4% |
| Fleming | $1,551 | +3% |
| Glouster | $1,499 | -0% |
| Guysville | $1,511 | +1% |
| Little Hocking | $1,549 | +3% |
| Pomeroy | $1,606 | +7% |
| Racine | $1,630 | +8% |
| Saint Paris | $1,416 | -6% |
| Baltimore | $1,449 | -3% |
| Derby | $1,452 | -3% |
| Lancaster | $1,432 | -5% |
| Lithopolis | $1,490 | -1% |
| Jackson | $1,514 | +1% |
| Piketon | $1,518 | +1% |
| Scottown | $1,647 | +9% |
| Winchester | $1,565 | +4% |
| Coal Run | $1,545 | +3% |
| Jacksonville | $1,502 | +0% |
| Nelsonville | $1,491 | -1% |
| Lebanon | $1,382 | -8% |
| Waynesville | $1,403 | -7% |
| West Elkton | $1,426 | -5% |
| Camp Dennison | $1,435 | -4% |
| Greenfield | $1,475 | -2% |
| Russellville | $1,543 | +3% |
| Williamsburg | $1,456 | -3% |
| Kenton | $1,338 | -11% |
| Middleburg | $1,390 | -8% |
| Mount Victory | $1,352 | -10% |
| Curtice | $1,325 | -12% |
| Helena | $1,251 | -18% |
| Lindsey | $1,250 | -18% |
| Syracuse | $1,619 | +8% |
| Beaverdam | $1,277 | -16% |
| Antwerp | $1,323 | -12% |
| Coldwater | $1,243 | -19% |
| Fort Jennings | $1,279 | -16% |
| Middle Point | $1,269 | -17% |
| Minster | $1,283 | -16% |
| Payne | $1,310 | -13% |
| Saint Marys | $1,252 | -18% |
| Casstown | $1,355 | -10% |
| Clayton | $1,388 | -8% |
| Clifton | $1,405 | -6% |
| Donnelsville | $1,400 | -7% |
| Eldorado | $1,402 | -7% |
| Kettlersville | $1,317 | -13% |
| Huntsville | $1,375 | -9% |
| Waldo | $1,386 | -8% |
| West Liberty | $1,413 | -6% |
| Burgoon | $1,252 | -18% |
| Kalida | $1,286 | -15% |
| Rawson | $1,286 | -15% |
| Rockford | $1,269 | -17% |
| Mason | $1,410 | -6% |
| Overpeck | $1,454 | -3% |
| Manchester | $1,581 | +5% |
| Newtonsville | $1,458 | -3% |
| Ripley | $1,549 | +3% |
| Amelia | $1,454 | -3% |
| Hillsboro | $1,480 | -1% |
| Midland | $1,449 | -3% |
| Reesville | $1,409 | -6% |
| Sardinia | $1,517 | +1% |
| Terrace Park | $1,403 | -7% |
| Alliance | $1,362 | -10% |
| Glenmont | $1,480 | -1% |
| Smithville | $1,318 | -13% |
| Stillwater | $1,408 | -6% |
| Deersville | $1,482 | -1% |
| Tippecanoe | $1,514 | +1% |
| Vickery | $1,256 | -18% |
| Williston | $1,310 | -14% |
| Delta | $1,375 | -9% |
| Grand Rapids | $1,318 | -13% |
| Pettisville | $1,352 | -10% |
| Richmond | $1,521 | +1% |
| Wolf Run | $1,614 | +7% |
| Flushing | $1,522 | +2% |
| Chesterland | $1,416 | -6% |
| Williamsfield | $1,484 | -1% |
| Bellevue | $1,289 | -15% |
| Bellville | $1,386 | -8% |
| Oceola | $1,343 | -11% |
| Wakeman | $1,333 | -12% |
| Kimbolton | $1,473 | -2% |
| Mcconnelsville | $1,534 | +2% |
| New Straitsville | $1,518 | +1% |
| Old Washington | $1,466 | -2% |
| Philo | $1,449 | -3% |
| Somerset | $1,523 | +2% |
| White Cottage | $1,474 | -2% |
| Keene | $1,492 | -0% |
| Adena | $1,532 | +2% |
| Barton | $1,475 | -2% |
| Canal Fulton | $1,365 | -9% |
| Leesville | $1,500 | +0% |
| Mechanicstown | $1,481 | -1% |
| Mount Hope | $1,426 | -5% |
| North Georgetown | $1,379 | -8% |
| Orrville | $1,314 | -13% |
| Bowerston | $1,496 | -0% |
| Byesville | $1,457 | -3% |
| Caldwell | $1,524 | +2% |
| Roseville | $1,496 | -0% |
| Adamsville | $1,471 | -2% |
| Clarington | $1,581 | +5% |
| Jacobsburg | $1,524 | +2% |
| Leetonia | $1,361 | -10% |
| Lowellville | $1,447 | -4% |
| Niles | $1,470 | -2% |
| North Bloomfield | $1,448 | -3% |
| Struthers | $1,589 | +6% |
| Euclid | $1,601 | +7% |
| Maple Heights | $1,598 | +6% |
| Burbank | $1,328 | -12% |
| Garrettsville | $1,400 | -7% |
| Fairborn | $1,368 | -9% |
| Laura | $1,350 | -10% |
| New Weston | $1,336 | -11% |
| Beloit | $1,367 | -9% |
| Uniontown | $1,341 | -11% |
| Wilmot | $1,415 | -6% |
| West Point | $1,402 | -7% |
| Bolivar | $1,400 | -7% |
| North Lawrence | $1,332 | -12% |
| Robertsville | $1,428 | -5% |
| Strasburg | $1,384 | -8% |
| East Canton | $1,429 | -5% |
| Bloomdale | $1,303 | -14% |
| Butler | $1,404 | -7% |
| Collins | $1,317 | -13% |
| Galion | $1,328 | -12% |
| Mc Cutchenville | $1,297 | -14% |
| New London | $1,326 | -12% |
| North Robinson | $1,331 | -12% |
| Old Fort | $1,282 | -16% |
| Republic | $1,287 | -15% |
| Sullivan | $1,342 | -11% |
| Tiffin | $1,261 | -17% |
| Willard | $1,317 | -13% |
| Cleves | $1,510 | +1% |
| Stow | $1,293 | -15% |
| Lakemore | $1,336 | -11% |
| Fredericksburg | $1,405 | -7% |
| Hartville | $1,380 | -8% |
| Lakeville | $1,454 | -3% |
| Magnolia | $1,459 | -3% |
| Middlebranch | $1,405 | -6% |
| New Philadelphia | $1,357 | -10% |
| Windsor | $1,480 | -1% |
| Bedford | $1,481 | -1% |
| Homerville | $1,334 | -12% |
| Hudson | $1,301 | -14% |
| Lodi | $1,313 | -13% |
| Empire | $1,558 | +4% |
| Glencoe | $1,476 | -2% |
| Franklin | $1,395 | -7% |
| Winona | $1,411 | -6% |
| Dennison | $1,406 | -6% |
| Navarre | $1,403 | -7% |
| Waynesburg | $1,446 | -4% |
| Winesburg | $1,424 | -5% |
| Birmingham | $1,320 | -13% |
| Crestline | $1,314 | -13% |
| Flat Rock | $1,274 | -16% |
| Fostoria | $1,293 | -15% |
| Huron | $1,277 | -16% |
| Kansas | $1,288 | -15% |
| Beach City | $1,416 | -6% |
| Big Prairie | $1,467 | -2% |
| East Rochester | $1,402 | -7% |
| Gnadenhutten | $1,412 | -6% |
| Minerva | $1,452 | -3% |
| Sandyville | $1,424 | -5% |
| Somerdale | $1,404 | -7% |
| Wooster | $1,335 | -12% |
| Zoar | $1,428 | -5% |
| Camden | $1,425 | -5% |
| Conover | $1,381 | -8% |
| Covington | $1,342 | -11% |
| Eaton | $1,399 | -7% |
| Hollansburg | $1,357 | -10% |
| New Paris | $1,381 | -8% |
| Scio | $1,516 | +1% |
| Andover | $1,496 | -0% |
| Ashtabula | $1,438 | -4% |
| Avon Lake | $1,328 | -12% |
| Orwell | $1,501 | +0% |
| West Farmington | $1,434 | -4% |
| Apple Creek | $1,339 | -11% |
| Carrollton | $1,490 | -1% |
| Holmesville | $1,429 | -5% |
| Homeworth | $1,374 | -9% |
| Limaville | $1,406 | -6% |
| Maximo | $1,402 | -7% |
| Midvale | $1,408 | -6% |
| Millersburg | $1,456 | -3% |
| Paris | $1,431 | -5% |
| Sherrodsville | $1,474 | -2% |
| Sugarcreek | $1,389 | -8% |
| Uhrichsville | $1,391 | -7% |
| Independence | $1,461 | -3% |
| Brecksville | $1,354 | -10% |
| Barberton | $1,324 | -12% |
| Litchfield | $1,309 | -14% |
| Lakewood | $1,491 | -1% |
| Strongsville | $1,330 | -12% |
| Chippewa Lake | $1,308 | -14% |
| Clinton | $1,317 | -13% |
| Peninsula | $1,306 | -14% |
| Rocky River | $1,409 | -6% |
| Atwater | $1,385 | -8% |
| Kent | $1,363 | -10% |
| Munroe Falls | $1,307 | -14% |
| Olmsted Falls | $1,339 | -11% |
| Broadview Heights | $1,356 | -10% |
| Brookpark | $1,457 | -3% |
| Streetsboro | $1,364 | -9% |
| Mantua | $1,382 | -8% |
| Solon | $1,428 | -5% |
| Doylestown | $1,323 | -12% |
| Shreve | $1,380 | -8% |
| Beachwood | $1,534 | +2% |
| North Royalton | $1,349 | -11% |
| Bay Village | $1,362 | -10% |
| Aurora | $1,374 | -9% |
| Hinckley | $1,286 | -15% |
| Hiram | $1,404 | -7% |
| Deerfield | $1,387 | -8% |
| Masury | $1,418 | -6% |
| North Jackson | $1,437 | -4% |
| Utica | $1,483 | -1% |
| Amanda | $1,468 | -2% |
| Williamsport | $1,446 | -4% |
| Friendship | $1,602 | +7% |
| Minford | $1,606 | +7% |
| Richmond Dale | $1,478 | -1% |
| South Webster | $1,618 | +8% |
| Thurman | $1,637 | +9% |
| Waterloo | $1,655 | +10% |
| Waverly | $1,501 | +0% |
| Athens | $1,482 | -1% |
| Albany | $1,501 | +0% |
| Cutler | $1,590 | +6% |
| Newport | $1,544 | +3% |
| Rutland | $1,613 | +7% |
| Ashland | $1,329 | -12% |
| North Fairfield | $1,326 | -12% |
| Perrysville | $1,382 | -8% |
| Sulphur Springs | $1,340 | -11% |
| Tiro | $1,323 | -12% |
| Jacksontown | $1,459 | -3% |
| Ostrander | $1,391 | -7% |
| Phillipsburg | $1,385 | -8% |
| Tremont City | $1,399 | -7% |
| Xenia | $1,403 | -7% |
| Yellow Springs | $1,395 | -7% |
| Creola | $1,533 | +2% |
| North Canton | $1,339 | -11% |
| Bucyrus | $1,303 | -14% |
| Collinsville | $1,458 | -3% |
Average car insurance costs by age and gender in Ohio
In Ohio, your age may be a significant factor in determining your rates. Young drivers usually pay some of the highest average car insurance rates because they have the least amount of experience behind the wheel and high accident frequency. Once you turn 25, car insurance rates generally start to drop, provided you maintain a clean driving record. Around age 70, car insurance rates start to increase again due to an escalating risk of accidents.
Here are the average annual car insurance premiums in Ohio for different age groups. The rates on the table below, with the exception of the ones for a 16-year-old driver, showcase drivers on their own insurance policies:
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in OH
$3,740
|
Average minimum coverage premium in OH
$1,100
|
|
Age 18
|
Average annual full coverage premium in OH
$4,512
|
Average minimum coverage premium in OH
$1,423
|
|
Age 20
|
Average annual full coverage premium in OH
$3,474
|
Average minimum coverage premium in OH
$964
|
|
Age 25
|
Average annual full coverage premium in OH
$1,950
|
Average minimum coverage premium in OH
$524
|
|
Age 30
|
Average annual full coverage premium in OH
$1,606
|
Average minimum coverage premium in OH
$426
|
|
Age 40
|
Average annual full coverage premium in OH
$1,508
|
Average minimum coverage premium in OH
$409
|
|
Age 50
|
Average annual full coverage premium in OH
$1,361
|
Average minimum coverage premium in OH
$379
|
|
Age 60
|
Average annual full coverage premium in OH
$1,317
|
Average minimum coverage premium in OH
$375
|
|
Age 70
|
Average annual full coverage premium in OH
$1,522
|
Average minimum coverage premium in OH
$452
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in OH
$3,248
|
Average minimum coverage premium in OH
$985
|
|
Age 18
|
Average annual full coverage premium in OH
$4,163
|
Average minimum coverage premium in OH
$1,265
|
|
Age 20
|
Average annual full coverage premium in OH
$3,011
|
Average minimum coverage premium in OH
$870
|
|
Age 25
|
Average annual full coverage premium in OH
$1,802
|
Average minimum coverage premium in OH
$512
|
|
Age 30
|
Average annual full coverage premium in OH
$1,567
|
Average minimum coverage premium in OH
$429
|
|
Age 40
|
Average annual full coverage premium in OH
$1,491
|
Average minimum coverage premium in OH
$415
|
|
Age 50
|
Average annual full coverage premium in OH
$1,258
|
Average minimum coverage premium in OH
$381
|
|
Age 60
|
Average annual full coverage premium in OH
$1,290
|
Average minimum coverage premium in OH
$373
|
|
Age 70
|
Average annual full coverage premium in OH
$1,472
|
Average minimum coverage premium in OH
$442
|
Bankrate’s take: When calculating your insurance rate, insurers are permitted to take your gender into consideration in most states, including Ohio. Statistics show that, for the most part, men are more dangerous drivers than women — which makes them statistically more likely to file a claim that will cost their insurer money. To make up for this added risk, many insurers charge men higher rates than their female counterparts when all other rating factors are equal.
Cost considerations for young drivers in Ohio
Auto insurance rates are based largely on risk levels, with younger, more inexperienced drivers being seen as some of the riskiest to insure. Typically, this translates to these young drivers paying higher average premiums. While time and experience may be the only way past these high rates, it may still be possible for young drivers to save some on premiums.
Drivers under 18 cannot purchase their own insurance — they are legally allowed to have their own policy with written consent of a parent or guardian. However, drivers between 18 and 25 can often save money by staying on their parents’ policy rather than getting their own. The table below highlights the average cost difference between these two scenarios:
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in OH
$3,494
|
|
Age 17
|
Avg. annual premium for drivers in OH
$3,244
|
|
Age 18
|
Avg. annual premium for drivers in OH
$3,012
|
|
Age 19
|
Avg. annual premium for drivers in OH
$2,679
|
|
Age 20
|
Avg. annual premium for drivers in OH
$2,537
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in OH
$4,338
|
|
Age 19
|
Avg. annual premium for drivers in OH
$3,566
|
|
Age 20
|
Avg. annual premium for drivers in OH
$3,242
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 44 percent more |
| Age 19 | 33 percent more |
| Age 20 | 28 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Ohio?
When you first buy a car insurance policy, and every time your policy renews, your insurance company will likely review your driving record. If you have any negative marks on your record, like a speeding ticket conviction, at-fault accident or OVI, your rate will go up. For example, after a speeding ticket in Ohio, average car insurance premiums change by about 21 percent more. An imperfect driving record can also affect how you shop for your policy; if you have an OVI on your record, for instance, you might need a company that specializes in high-risk auto insurance and can file an SR-22 on your behalf.
The table below shows average rates for Ohio drivers with different traffic violations on their record and how much these rates deviate from average rates for clean driving records in the state:
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in OH
$1,499
|
Percentage increase from OH avg. annual premium*
0%
|
|
Avg. annual premium* in OH
$1,809
|
Percentage increase from OH avg. annual premium*
21%
|
|
|
Avg. annual premium* in OH
$2,170
|
Percentage increase from OH avg. annual premium*
45%
|
|
|
Avg. annual premium* in OH
$2,859
|
Percentage increase from OH avg. annual premium*
91%
|
Car insurance rates in Ohio by credit tier
Your credit history, or credit-based insurance score, is one of the variables used by car insurance companies to help them determine risk levels for drivers. Not all states allow this use of credit factors by auto insurers, but most do, including Ohio. The table below illustrates just how much your credit tier can affect how much car insurance in Ohio is:
|
|
|
|
|---|---|---|
|
Avg. annual premium* in OH
$3,020
|
Percentage change from OH average annual premium*
101%
|
|
|
Average
|
Avg. annual premium* in OH
$1,636
|
Percentage change from OH average annual premium*
9%
|
|
Avg. annual premium* in OH
$1,499
|
Percentage change from OH average annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in OH
$1,187
|
Percentage change from OH average annual premium*
-21%
|
Ohio car insurance rates by vehicle type
The vehicle you drive may also be responsible for raising or lowering your insurance rates. When comparing vehicles, if one car costs more to repair or replace, then it will most likely cost more to insure. For instance, on average in Ohio, full coverage car insurance for a BMW 330i is 32 percent more than for a Ford F-150.
|
|
|
|---|---|
|
Avg. annual premium* in OH
$1,499
|
|
|
Avg. annual premium* in OH
$1,354
|
|
|
Avg. annual premium* in OH
$1,313
|
|
|
BMW 330i
|
Avg. annual premium* in OH
$1,786
|
|
Toyota Prius
|
Avg. annual premium* in OH
$1,518
|
Estimate your car insurance cost in Ohio
Car insurance is a requirement in Ohio, and it can be difficult to gauge how much you should spend on it. To help you with your budget planning, Bankrate created the calculator tool below. Once you enter some basic pieces of information, you’ll be presented with an estimate of your car insurance cost. Keep in mind that this is not a car insurance quote; rather, it is a rough estimate of your insurance costs to help you better plan your budget.
Calculate your monthly car insurance payment
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to save on car insurance in Ohio
Even though Ohio insurance rates are lower than the national average, they are still on the rise. In fact, Ohioan drivers may see their insurance costs increase by 33 percent this year. Here are some strategies for lowering your premium:
- Take advantage of special discounts: Many car insurance companies offer discounts for specific types of drivers. There are often savings for good students, being claims-free and having advanced safety features in your vehicle. You may also be able to take advantage of professional association or union discounts. For instance, educators and first responders can often qualify for lower insurance rates.
- Pay your premium in full: If you can afford to pay your annual car insurance premium upfront and in full, rather than in monthly or quarterly installments, your car insurance carrier may lower your rate.
- Bundle your policies: Buying your homeowners or renters insurance and your car insurance with the same company usually results in lower rates. You may also get a discount by having more than one vehicle insurance with the same company.
- Maintain a clean driving record: Drivers with a clean motor vehicle record typically pay the lowest car insurance rates and may qualify for safe driver discounts. If you have a history of at-fault accidents or moving violations, working to maintain a clean driving record could help you achieve a cheaper premium over time.
- Switch insurance carriers: Switching insurance carriers may help you save money if you find a different provider that can offer you a cheaper rate. Comparing quotes from various carriers before your policy renews may show you if this could be an effective strategy for you.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
