Ohio Car Insurance Quotes & Average Rates

Full coverage car insurance in Ohio is estimated at $1,495 a year, or $125 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $444 a year. Ohio is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 127 Ohio cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Ohio

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$125/ month

$1,495 per year · carriers in Ohio typically quote $1,061 – $2,063

See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Ohio

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,136	$95	-24%	Military members and families only
Geico	$1,226	$102	-18%	Usually cheapest for clean records
State Farm	$1,316	$110	-12%	Strong for young and student drivers
Progressive	$1,420	$118	-5%	Competitive after a ticket or accident
Travelers	$1,450	$121	-3%	Good multi-policy discounts
Nationwide	$1,495	$125	0%	Mid-market, wide availability
Allstate	$1,704	$142	+14%	Higher base rate, heavy discount stacking
Farmers	$1,809	$151	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Ohio. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Ohio car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$4,038	$1,198	$336
18 years old	$3,406	$1,011	$284
20 years old	$2,820	$837	$235
22 years old	$2,343	$695	$195
25 years old	$1,788	$531	$149
30 years old	$1,541	$457	$128
40 years old	$1,449	$430	$121
50 years old	$1,387	$412	$116
60 years old	$1,372	$407	$114
65 years old	$1,433	$425	$119
70 years old	$1,572	$467	$131
75 years old	$1,834	$544	$153

Estimated premiums by age in Ohio, clean record, sedan.

How violations change your Ohio premium

Driving record	Est. annual	Increase
Clean record	$1,495	—
1 speeding ticket	$1,839	+23%
1 at-fault accident	$2,198	+47%
DUI / DWI	$2,825	+89%

What a violation costs a 35-year-old in Ohio. Surcharges normally stay on the policy for three to five years.

A DUI in Ohio usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Ohio minimum insurance requirements

Required coverage in Ohio	Minimum limit
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability	$25,000
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Ohio Department of Insurance before you buy.

Coverage levels in Ohio

Coverage level	Est. annual	Est. monthly
State minimum liability	$444	$37
Full coverage (100/300/100 + comp & collision)	$1,495	$125
Full coverage, high limits + low deductible	$1,779	$148

Coverage level comparison for Ohio.

Car insurance rates in Ohio cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 127 Ohio cities we price.

Columbus$1,744 Cleveland$1,624 Cincinnati$1,624 Toledo$1,624 Akron$1,624 Dayton$1,504 Parma$1,504 Canton$1,504 Youngstown$1,504 Lorain$1,504 Hamilton$1,504 Springfield$1,413 Kettering$1,413 Elyria$1,413 Lakewood$1,413 Cuyahoga Falls$1,413 Middletown$1,413 Newark$1,413 Euclid$1,413 Mentor$1,413 Mansfield$1,413 Beavercreek$1,413 Dublin$1,413 Cleveland Heights$1,413 Strongsville$1,413 Fairfield$1,413 Findlay$1,413 Warren$1,413 Lancaster$1,413 Grove City$1,413 Westerville$1,413 Huber Heights$1,413 Delaware$1,413 Lima$1,413 Reynoldsburg$1,413 Marion$1,413 Boardman$1,413 Upper Arlington$1,413 Stow$1,413 Brunswick$1,413 Gahanna$1,413 Collinwood$1,413 Hilliard$1,413 Fairborn$1,413 Mason$1,413 North Ridgeville$1,413 Westlake$1,413 Massillon$1,413 North Olmsted$1,413 Bowling Green$1,413 North Royalton$1,413 Kent$1,338 Austintown$1,338 Garfield Heights$1,338 Shaker Heights$1,338 Wooster$1,338 Medina$1,338 Barberton$1,338 Xenia$1,338 Green$1,338 Troy$1,338 Zanesville$1,338 Sandusky$1,338 Athens$1,338 Riverside$1,338 Trotwood$1,338 Centerville$1,338 Glenville$1,338 Avon Lake$1,338 Solon$1,338 Marysville$1,338 Maple Heights$1,338 Willoughby$1,338 Avon$1,338 Hudson$1,338 Oxford$1,338 Alliance$1,338 Wadsworth$1,338 South Euclid$1,338 Chillicothe$1,338 Perrysburg$1,338 Sidney$1,338 Piqua$1,338 Lebanon$1,338 Portsmouth$1,338 Rocky River$1,338 Ashland$1,338 Parma Heights$1,338 Oregon$1,338 Miamisburg$1,338 Norwood$1,338 Painesville$1,338 Pickerington$1,338 Broadview Heights$1,338 White Oak$1,338 Sylvania$1,338 Berea$1,338 Twinsburg$1,338 Mayfield Heights$1,338 Brook Park$1,338 Whitehall$1,338 Forest Park$1,338 Niles$1,338 Ashtabula$1,338 Eastlake$1,338 Steubenville$1,338 Springboro$1,338 Clark-Fulton$1,338 Tiffin$1,338 Tallmadge$1,338 New Philadelphia$1,338 North Canton$1,338 Detroit-Shoreway$1,338 East Cleveland$1,338 Norwalk$1,338 Defiance$1,338 Mount Vernon$1,338 Fairview Park$1,338 Hough$1,338 Streetsboro$1,338 Fremont$1,338 Aurora$1,338 Avon Center$1,338 Middleburg Heights$1,338 Bay Village$1,338 Pataskala$1,338 Vandalia$1,338

Frequently asked questions

▸How much is car insurance in Ohio?

Full coverage in Ohio is estimated at $1,495 a year, or $125 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $444 a year.

▸What car insurance is required in Ohio?

Ohio requires $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage.

▸Is Ohio a no-fault state?

No. Ohio is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which Ohio city has the cheapest car insurance?

Of the 127 Ohio cities we price, Vandalia carries the lowest estimate at $1,338 a year, while Columbus is highest at $1,744. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Ohio?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.