How Much Does Car Insurance Cost in Ohio?
Auto insurance is typically inexpensive in Ohio. The average auto insurance price in Ohio is $1,037 per year — 27.3% less than the national average.
But auto insurance premiums are affected by factors other than the state in which you live. Auto insurance rates price based on a number of details, such as your credit score, driving record, age, gender, and marital status.
We analyzed average Ohio car insurance premiums by all of the major rating factors. See below how much car insurance costs in each US state — or enter your zip code to view unique rates from popular insurance companies.
It’s a fact of life: as you age, your car insurance expenditures change. As a general rule, auto insurance is pricier for young drivers, as car insurers consider inexperienced motorists as less responsible.
In Ohio, car insurance costs $4,659 per year for a 16-year-old driver, but just $884 per year for a driver aged between 50 and 59.
|Age||Average Annual Premium|
If you're facing the frightful prospect of getting insurance for a teen driver, consider this: Ohio is the 5th cheapest state in which to buy car insurance for a 16-year-old.
While gender does not have as large an impact on car insurance premiums as location or age, it is utilized as a rating factor by insurance companies.
|Gender||Average Annual Premium|
If you're concerned about getting the best value with your active auto insurance company, the best option is to shop around and compare rates.
A benefit of marriage — in addition to the wedding gifts — is the improved deal you may get on your car insurance policy. In Ohio, married drivers save $44 per year on car insurance. This is less than the US post-nuptial discount of $76.
|Marital Status||Average Annual Rate|
Auto insurance for divorced drivers in Ohio is among the cheapest in the US. If you think you're overpaying for your policy, weigh your options. You might find a great deal!
Car insurance companies reference credit history to predict how reliable a customer will be. Data show drivers with superior credit are more dependable car insurance clients: they less frequently file claims for which insurance companies end up on the hook.
In the state of Ohio, a driver with excellent credit can save $1,024.52 each year on car insurance rates, compared to a driver with a poor credit history. Read more about how credit score impacts auto insurance premiums:
|Credit Quality||Average Annual Rate|
|Very Poor (300-579)||$1,898.03|
|Very Good (740-799)||$1,075.20|
Getting cheap car insurance coverage if you're saddled with a bad credit history can be tricky. But we're here to assist. Read our guide to finding car insurance with poor credit and save!
If you've been defined as at fault in a car crash or convicted of an on-road offense, your car insurance costs are bound to rise. The more infractions you accumulate, the more expensive your car insurance gets.
In Ohio, your first minor at-fault accident will lead to an extra $520.31 each year in car insurance premiums. A DUI or DWI — considered among the most serious driving infractions — can raise your yearly insurance rates in Ohio by an average of $673.87.
|Age||Average Yearly Premium|
|DUI or DWI||$1,711.04|
|At-Fault Accident (<$1,000)||$1,557.48|
|At-Fault Accident ($1,000-$2,000)||$1,593.32|
|At-Fault Accident (>$2,000)||$1,557.48|
|Speeding (21-25 MPH > limit)||$1,243.87|
|Speeding (16-20 MPH > limit)||$1,243.87|
If you're facing above-average car insurance payments, it's worth policy shopping to get reasonably priced coverage that covers your vehicle appropriately.
How much you pay each month for auto insurance depends on the level of coverage you purchase. Liability-only coverage normally costs less, while lower-deductible comprehensive coverage costs more. In Ohio, the premium differential between liability-only coverage and comprehensive coverage with a $500 deductible is $573.
|Coverage Level||Average Yearly Rate|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$512|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$922|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,071|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$459|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$870|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,018|
|State Minimum — Liability Only||$429|
|State Minimum — $1,000 Comprehensive/Collision||$848|
|State Minimum — $500 Comprehensive/Collision||$1,002|
If you're facing above-average auto insurance costs, it's worth shopping to find affordable coverage that suits your needs.