Ohio Car Insurance Rates

Estimated insurance rates in Ohio for 2018 are $942 annually with full coverage. Comprehensive, collision insurance, and liability cost around $210, $382, and $244, 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: $942

Premium estimates for individual coverage type:

Comprehensive $210
Collision $382
Liability $244

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 $288 for minimum levels of liability insurance to a high of $2,032 for a driver who has had serious violations or accidents.

Liability Only $288
Full Coverage $942
High Risk $2,032

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.

Companies will appear below. Or click to load full page.

Recommended Companies for Cheap Ohio Insurance

Searching Companies

View Chart as Image

Ohio car insurance rate comparison chart
Column chart showing Ohio car insurance prices range from $541 to $3,460 for full coverage

The chart above shows Ohio auto insurance prices for various risks and coverage choices. The cheapest discount price is $541. Drivers who choose higher $1,000 deductibles will pay $808. The average price for a driver age 40 with no violations using $500 deductibles is $942. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,202. High risk drivers could be charged up to $2,032. The cost for full coverage insurance for a 16-year-old driver is $3,460.

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
RankCompanyMarket ShareAverage Rate
1State Farm19.58%$876
2Progressive12.25%$972
3Allstate10.70%$1,810
4Nationwide9.08%$683
5Geico6.23%$1,072
6Grange Mutual5.42%$820
7Liberty Mutual4.60%$1,649
8Erie Insurance3.02%$674
9American Family2.68%$1,031
10Westfield2.60%$927
Get Your Rates Quote Now

Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Choosing high deductibles could save up to $400 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 $219 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 ModelPremium% to Avg
Chevrolet Silverado$9945.2%
Dodge Ram$1,0207.6%
Ford Escape$784-20.2%
Ford Focus$910-3.5%
Ford Fusion$9985.6%
Ford F-150$886-6.3%
GMC Acadia$866-8.8%
GMC Sierra$9783.7%
Honda Accord$878-7.3%
Honda Civic$1,0308.5%
Honda CR-V$762-23.6%
Honda Pilot$894-5.4%
Hyundai Sonata$9541.3%
Kia Optima$9743.3%
Nissan Altima$9702.9%
Nissan Rogue$9460.4%
Toyota Camry$9601.9%
Toyota Corolla$938-0.4%
Toyota Prius$874-7.8%
Toyota RAV4$886-6.3%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles

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 $3,400 a year. View Rates by Age

If you have a few violations or you caused an accident, you may be forking out at least $1,100 to $1,500 extra annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 130% 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

Compare Rates Now

Rates by Driver Age

Ohio Insurance Rates by Driver Age
Driver AgePremium
16$3,460
20$2,174
30$986
40$942
50$860
60$844

Full coverage, $500 deductibles

Rates by Deductible

Ohio Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,202
$250$1,082
$500$942
$1,000$808

Full coverage, driver age 40

Rates by Liability Limit

Ohio Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$942
50/100$991
100/300$1,052
250/500$1,210
100 CSL$1,015
300 CSL$1,149
500 CSL$1,247

Full coverage, driver age 40

Rates for High Risk Drivers

Ohio Car Insurance Rates for High Risk Drivers
AgePremium
16$4,944
20$3,450
30$2,082
40$2,032
50$1,938
60$1,920

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 $130

Potential Rate Discounts

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

DiscountSavings
Multi-policy$50
Multi-vehicle$48
Homeowner$13
5-yr Accident Free$71
5-yr Claim Free$61
Paid in Full/EFT$44
Advance Quote$47
Online Quote$67
Total Discounts$401
Rate after discounts $541

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

You May Also Enjoy These Articles