Average Cost of Car Insurance in Ohio in 2024

If you drive in the Buckeye State, you’ll be pleased to learn that car insurance in Ohio is on average lower than the national average annual cost, at $781 per year. However, how can you be sure you aren’t paying more than you have? By comparing policies, reviewing your coverage needs, and staying informed about auto insurance discounts, you can ensure your premium is competitive. Regularly assessing your insurance coverage against offerings in the market can lead to significant savings, along with understanding how your demographics impact your rates.

By City

Insurance rates vary across Ohio cities, particularly between urban and rural areas. Explore how your location within the state affects how much you’ll pay for your car insurance.

By Age

Age has a significant influence on the amount drivers pay for auto insurance each year. We’ve compiled the average annual costs of car insurance associated with different age ranges below:

By Gender

We found that, on average, men pay more than women for car insurance in Ohio.

By Marital Status

It’s important to remember that your auto insurance provider may consider your marital status when calculating your premium. According to our research, single drivers in Ohio pay slightly more each year for car insurance than married and divorced drivers.

By Coverage Level

Understanding the impact of choosing between minimum and full coverage insurance is crucial. If you want to pay as little as possible, opt for minimum coverage auto insurance from your provider.

By Violation

Drivers with a traffic violation tend to pay more for their car insurance than drivers with a clean record.

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 a driver who causes an accident bear the financial responsibility for any resulting damages and injuries to the other party. This system contrasts with no-fault states like Florida, where each party’s insurance covers their own losses, regardless of fault. Consequently, Ohio law requires drivers to have liability insurance to cover damages they might cause, highlighting the importance of selecting the right coverage limits to protect yourself financially. 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-22s 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

On this page, we explored many factors that can shape your auto insurance premium in Ohio, including location, age, gender, marital status, coverage level, driving violations, insurer, and credit score. Generally, you can expect variations in your insurance rates based on these factors, reflecting your perceived risk level. Before you settle on an insurance provider and coverage plan, we suggest you shop around and compare quotes from various companies.

Leveraging over two decades of expertise in connecting individuals with leading auto insurers, AutoInsurance.com has developed a comprehensive database of information on auto insurance clients and their successful provider matches. This wealth of proprietary and state-specific data, including details on minimum coverage, fault systems, and SR-22/FR-44 requirements, equips us to offer a detailed overview of the car insurance costs you might expect in any state.