Ohio Car Insurance Rates
Estimated insurance rates in Ohio for 2019 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:
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.
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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Recommended Companies for Cheap Ohio Insurance
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.
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.
|Rank||Company||Market Share||Average Rate|
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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.
|Make and Model||Premium||% to Avg|
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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.
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$73|
|5-yr Claim Free||$62|
|Paid in Full/EFT||$46|
Discounts are estimated and may not be available from every company or in every state.