Average Cost of Car Insurance in Ohio in 2026

In the Buckeye State, car insurance is $1,767 for full coverage and $568 for minimum coverage.

You’ll pay less on average in Ohio due to lower population density and a larger number of providers offering car insurance.

By City

The largest cities in Ohio have the highest premiums, including Cleveland, Cincinnati, and Columbus. Smaller, less dense cities, like Canton and Lorrain, have lower car insurance rates. Even if you live in a metropolitan area like Cleveland, which has the highest rates of any Ohio city, you’ll still pay 25 percent less than the national average.

By Age

Like most states, policies for teen drivers in Ohio cost compared to other age groups.

By Gender

In Ohio, insurers can determine car insurance rates based on sex. The difference is most apparent with teen drivers:

By Violation

Drivers who are considered high-risk (due to traffic violations or poor credit) tend to pay more for their car insurance than drivers with a clean record.

GEICO, Erie, and USAA tend to have the cheapest average rates in Ohio. USAA is only available to military members, veterans, and their families; below, an asterisk denotes categories in which USAA is cheaper.

*USAA has the cheapest rates, but is only offered to military families

You can save on your annual premium by opting for Ohio’s required liability coverage only. Explore some other ways to save money each month on your auto insurance below:

• Raise your deductible. Increasing your deductible, or the amount you pay out of pocket before your insurance kicks in, can often lower your monthly premium. We encourage you to review your financial circumstances to ensure you will be able to afford that amount if you need to file a claim.
• Bundle your coverages. Many insurance providers offer discounts when you bundle auto insurance with other policies, such as homeowners or renters insurance.
• Benefit from safe driving discounts. Like many states, Ohio rewards those who practice safety behind the wheel and maintain a clean record. Many providers offer a safe driving discount if you remain accident-free for a certain time or if you complete a defensive driving course.

According to the Ohio Bureau of Motor Vehicles, the minimum mandatory car insurance coverages are the following:¹

• $25,000 of bodily injury liability coverage per person
• $50,000 of bodily injury liability coverage per accident
• $25,000 of property damage liability coverage

As an at-fault state, Ohio mandates that the driver who causes an accident pay for resulting damages and injuries to the other party. This system differs from no-fault states like Florida, where each party’s insurance covers their own losses, regardless of fault. Ohio drivers must have liability insurance to cover damages they might cause. This is crucial since liability insurance pays for the other party’s expenses, not your own.

Ohio legislation requires drivers to have an SR-22 form following a severe accident, traffic violation, or license suspension. An SR-22 is a certificate of responsibility verifying a driver has liability insurance. Drivers must also carry an SR-22 if they fail to show proof of insurance at a traffic stop or accident in Ohio.²

Ohio drivers generally pay less than the national average, boasting one of the lowest premiums in the country. Car insurance policies for men and women fall around the same averages. Meanwhile, teens and drivers with a DUI can expect to pay the most. While car insurance is cheaper in the Buckeye State, shop around and compare quotes to get the best rates.

We review average rates in Ohio for full and minimum coverage for good drivers with good credit as well as other driver profiles. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured/underinsured bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible