Ohio car insurance rates are relatively reasonable compared to other states. Drivers pay an average of $1,417 per year for full coverage auto insurancenearly $500 less than the national average of $1,897. Ohio drivers also pay less for the mandatory minimum amount of car liability insurance: $362 annually versus the US average of $503.

In this Ohio auto insurance guide, we share the most essential things you need to know when looking for an auto insurance policy. Specifically, we’ll look at average costs by policy type and company, explain coverage requirements, and offer tips for finding the cheapest Ohio auto insurance.

• The average cost of auto insurance in Ohio is $1,417 per year for full coverage or $118 per month.
• Ohio drivers must have liability insurance with coverage limits of at least 25/50/25.
• Grange is the cheapest auto insurance company in Ohio with an average full coverage premium of $986 per year.

Understanding Ohio Auto Insurance Requirements

Vehicle owners in the Buckeye State must have auto liability insurance with minimum coverage limits of 25/50/25 to register their cars and legally drive. A minimum state coverage policy includes:

• $25,000 in personal injury liability
• $50,000 in personal injury liability per accident
• $25,000 property damage liability per accident

“The statutory minimum amount of coverage is often completely inadequate to pay for a serious car accident, so Ohio drivers should consider the higher limits that are available,” says Matt Simon, president of CoverLink Insurance, an independent agency with offices in central and northeast Ohio.

Experts say drivers should have liability coverage limits of at least 100/300/100 to protect their assets in the event of a major at-fault accident.

The average cost of car insurance in Ohio is cheaper than what drivers pay nationally. This applies to both liability and full coverage policies.

The rates below were collected from car insurance comparison site CarInsurance.com for male and female single drivers in their 40s of a 2023 Honda Accord LX with a good insurance score and no violations on their record for full coverage insurance policy with liability limits. of $100/300/100 and $500 full and collision deductibles.

Although auto insurance premiums in Ohio are on average cheaper than nationally, the amount you’ll pay for coverage will vary. Factors such as age, zip code, type of vehicle you own, credit history and driving record can influence the cost of car insurance.

To find cheaper car insurance, we recommend asking about common discounts such as bundling policies, taking a defensive driving course, insuring multiple vehicles on the same policy or paying the annual premium in full. If you have a teenager driving, ask about good student discounts.

“If you have a student driver on your policy, check for a good student discount, which usually requires a cumulative GPA of 3.0 or higher to qualify,” Simon said. “If your student qualifies for this discount, it can result in substantial premium savings, as teenagers are often the most expensive drivers to insure.”

If you have comprehensive coverage, including comprehensive and collision insuranceyou may also want to consider increasing your associated deductibles—the amount you must pay before your policy starts. The higher the deductible, the higher your premium. is smaller.

“Car repair costs continue to rise in the US, so having deductibles of $100 or $250 can really add to the cost of insurance. Raising your deductible to $500 or even $1,000 (if you can comfortably afford it) can help lower your insurance premium,” says Simon.

Based on our research, Grange Insurance is the cheapest car insurance carrier in Ohiowith an average premium of $986 per year for full coverage. Auto-Owners ($1,109) and Erie Insurance ($1,132) are also cheaper options.

On the opposite end of the spectrum, we found Allstate to be the most expensive auto insurance company in Ohio, with an average annual rate of $1,942 for comprehensive coverage. Other companies with above-average rates include Farmers ($1,794) and Westfield ($1,673).

The rates below were collected from car insurance comparison site CarInsurance.com for male and female single drivers in their 40s of a 2023 Honda Accord LX with a good insurance score and no violations on their record for full coverage insurance policy with liability limits. of 100/300/100 and a collision and global deductible of $500.

If you’re shopping for auto insurance in Ohio, it can be helpful to have a general understanding of average premiums. Here’s a look at average quotes in Ohio based on insurance company, zip code and driver profile.

Your city and zip code can have a big impact on the cost of your car insurance policy. Based on the data we reviewed, Cleveland has the most expensive car insurance rates in Ohio ($1,643). Cincinnati ($1,608) and Toledo ($1,601) also have some of the most expensive premiums.

The cheapest city in Ohio for auto insurance is Lorain, with an average annual premium of $1,310 for comprehensive coverage. Parma ($1,316) and Canton ($1,417) also have cheap fares.

Ohio drivers can save money on their car insurance by taking advantage of discounts such as bundling auto and home policies, increasing deductibles and maintaining a clean driving record. It is also a good idea to search and compare quotes from several insurers. Comparison shopping can help you find the cheapest policy for your needs and situation. coverage.

No, Ohio is one to blame or tort, which means whoever causes an accident is responsible for compensating the other party for medical bills and property damage. Drivers who suffer losses as a result of an accident can also claim more compensation for their injuries or other damages.

Editors collected rate information from car insurance comparison site CarInsurance.com for male and female single drivers in their 40s of a 2023 Honda Accord LX with a good insurance score and no violations on their file for their full coverage insurance policy with 100/300/100 liability limits and a collision and global deductible of 500 USD.

In addition, we also calculated rates for the same hypothetical drivers, but with one or more of the following on their record: speeding ticket, at-fault accident, DUI/DWI, poor credit history, or a lack of coverage.

We analyzed over 53 million quotes, over 34,000 zip codes and 170 insurance companies nationwide.

Note: 100/300/100 means up to $100,000 for medical bills of those you injure, up to $300,000 per accident for personal injury liability for all people injured in a single accident, and $100,000 for other drivers’ car repairs and the goods you damage.