Ohio Car Insurance Calculator
Calculate your auto insurance cost in Ohio. Compare with state averages and find savings.
$1,089
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$91
Full Coverage
$1,423
Min Coverage
$389
Uninsured Rate
11.4%
Ohio Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Ohio
Competitive marketModerate populationFour seasons
Major Metro Areas in Ohio
ColumbusClevelandCincinnatiToledoAkron
FAQ
Ohio Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Ohio
The average annual car insurance premium in Ohio is $1,089, or about $91 per month. Full coverage averages $1,423 annually, while minimum coverage averages $389. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Ohio requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage).
Key factors affecting Ohio car insurance rates include: Competitive market, Moderate population, Four seasons. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 11.4% of drivers in Ohio are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Ohio car insurance: 1) Compare quotes from multiple insurers like State Farm, Progressive, GEICO. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Ohio include: State Farm, Progressive, GEICO, Allstate, Nationwide. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
OH Insurance Costs
Average premiums in Ohio:
- Annual Average$1,089
- Monthly Average$91
- Full Coverage$1,423
- Minimum Coverage$389
OH Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate11.4%
Top OH Insurers
Popular insurance companies:
- •State Farm
- •Progressive
- •GEICO
- •Allstate
- •Nationwide