Ohio Car Insurance Quotes & Rates (2026)

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Get free coverage prices for OH drivers

For a 40-year-old driver with a clean record, Ohio car insurance averages about $137 a month ($1,638 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 41% below the national average in our data. It’s lower than in Indiana, Kentucky, Michigan, Pennsylvania and West Virginia. Progressive has the lowest full-coverage average of the four major insurers we compared (Allstate, Erie, GEICO and Progressive), at about $92 a month.

Ohio car insurance: key numbers

• Full coverage: about $137 a month ($1,638 a year)
• Liability only (15/30/10): about $39 a month
• Lowest-priced insurer: Progressive has the lowest full-coverage average of the four major insurers we compared, at about $92 a month
• Recent price change: −5.6% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Franklin County (about $157 a month) and Hancock County (about $111)

Where you live matters. Two big metro counties cost the most in our data: Franklin County (Columbus) averages about $157 a month and Hamilton County (Cincinnati) $153. Putnam County comes in least expensive at about $115, counting only counties where we price at least three ZIP codes. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 523 Ohio ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

Average Cost of Car Insurance in Ohio

Full coverage in Ohio averages $1,638 a year, or about $137 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $467 a year ($39 a month), and 50/100/50 liability with comprehensive and collision averages $1,641 ($137 a month).

• Full coverage (100/300/100, $500 deductibles): $1,638 a year ($137 a month)
• 50/100/50 with $500 deductibles: $1,641 a year ($137 a month)
• Liability only (15/30/10): $467 a year ($39 a month)
• Columbus: $1,928 a year ($161 a month) for full coverage
• Cleveland: $1,894 a year ($158 a month) for full coverage
• Cincinnati: $1,827 a year ($152 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Ohio Compares With Neighboring States

Ohio’s average is about $43 a month below Indiana’s, $92 below Kentucky’s, $217 below Michigan’s, $67 below Pennsylvania’s and $57 below West Virginia’s. It’s the lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Ohio: Companies Compared

• Lowest average in our data, full coverage: Progressive, at about $92 a month ($1,098 a year).
• Next lowest: GEICO, at about $121 a month, then Erie at $127.
• Lowest liability-only average among these four insurers (15/30/10): Progressive, at about $23 a month, then Erie at $30.
• State Farm (Nov. 2025 rates)*: about $119 a month for full coverage, from its November 2025 rates.
• Also on our list: USAA at about $86 a month, Grange at $106, Auto-Owners at $137, Westfield at $151 and Travelers at $191 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $206 a month for full coverage, $1,378 a year more than Progressive.

Progressive has the lowest full-coverage average among the four insurers in our Ohio rate data. The published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA, which sells only to military families; others put Travelers or Auto-Owners first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among these four insurers, at about $23 a month, followed by Erie at $30.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in Ohio

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Your OH ZIP is all it takes to start

How Ohio’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Ohio?

Not for our benchmark driver. Comparing the same insurers in the same Ohio ZIP codes, full coverage averaged $1,735 a year nine months earlier and $1,638 in rates as of Aug. 31, 2026, a 5.6% drop. Progressive cut its Ohio average 21.3%, Erie 5.2% and GEICO 0.6%, while Allstate’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 5.1%, led by Progressive, which cut its liability-only average 27.3%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Ohio Car Insurance Costs

Ohio’s full-coverage average is the lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• The big metros. Franklin and Hamilton counties are the most expensive in our data. Columbus averages $161, Cleveland $158 and Cincinnati $152, while Lima averages $119 and many small towns in northwest Ohio cost even less.
• Optional uninsured motorist coverage. Ohio doesn’t require uninsured or underinsured motorist coverage, so the minimum policy is liability only.
• How rates are set. The Ohio Department of Insurance regulates auto rates but doesn’t set them. It lists where you live, your age, your driving record, how you use your car and the car itself among the factors insurers use, and some insurers also use credit scoring.

Ohio Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Columbus is the most expensive, at $161 a month for full coverage, followed by Cleveland at $158 and Cincinnati at $152. Lima is the least expensive, at about $119. Across all 333 cities and towns we price, averages run from about $161 in Columbus to $111 in Findlay and Fremont.

The table lists all 333 Ohio cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Ohio City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Ohio Car Insurance Rates by County

Franklin County is the most expensive county in our data, at about $157 a month for full coverage, followed by Hamilton County ($153) and Meigs County ($151). The least expensive are Hancock County ($111), Van Wert County ($112) and Mercer and Ottawa counties (both $113). We price 86 of Ohio’s 88 counties.

Does Better Coverage Cost More in Ohio?

Raising liability limits from 50/100/50 to 100/300/100 barely changes the average statewide in our data: with the same $500 deductibles, full coverage averages $1,638 a year and 50/100/50 averages $1,641. Across the four insurers, the change runs from $34 less a year (Allstate) to $29 more (Progressive). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Ohio Car Insurance Rules at a Glance

What Car Insurance Is Required in Ohio?

Ohio law requires proof of financial responsibility, usually a liability insurance policy, on every car you drive, according to the Ohio BMV. The minimum policy is:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $25,000 in property damage liability.

Uninsured and underinsured motorist coverage is optional. Ohio law says a policy may include it but doesn’t have to, so if you want protection from drivers with no insurance or too little insurance, ask your insurer to add it.

Ohio is an at-fault state, so the driver who causes a crash pays for the damage through their liability coverage. You must keep coverage in force the whole time your car is registered, and you can show proof of insurance on your phone.

If you can’t show proof of insurance at a traffic stop or after a crash, the BMV suspends your license until you file an SR-22 certificate, which you must keep for one year, and pay a reinstatement fee of $40. A second offense within a year brings a one-year suspension and a $300 fee, and a third brings a two-year suspension and a $600 fee. The one-year SR-22 requirement and the one-year window for repeat offenses took effect April 9, 2025.

How to Lower Your Car Insurance Rate in Ohio

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $114 a month apart for the same driver and car.
2. Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the four major insurers we compared in Ohio, about $92 and $121 a month.
3. Ask about uninsured motorist coverage. It’s optional in Ohio and insurers don’t have to include it, so add it if you want protection when a driver with no insurance or too little insurance injures you.
4. Keep proof of insurance on your phone. Ohio accepts electronic proof. If you can’t show proof at a traffic stop or after a crash, your license can be suspended until you file an SR-22 and pay a reinstatement fee.
5. Know how credit is used. Ohio lets insurers use credit-based insurance scores, but a state rule says credit can’t be the only basis for a rating or underwriting decision.
6. Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 21.3%, Erie 5.2% and GEICO 0.6%, so the order in our table can shift.
7. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
8. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Ohio home insurance rates and our home insurance guides for Cleveland and Columbus, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare Ohio Car Insurance Quotes

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Free to check for any OH ZIP

How We Calculated Ohio Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 2,092 full-coverage premiums from four insurers across 523 Ohio ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count: our Ohio averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Ohio’s minimum has been 25/50/25 since December 2013, so our liability-only prices use lower limits than the law requires.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Ohio rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Ohio law and the Ohio Department of Insurance. We refresh these figures when new rate data is released.

More Ohio Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Ohio Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure in all 88 counties, and a hybrid, the most expensive type, costs about 29% more than an SUV on average.

Ohio Car Insurance FAQ