Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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.


Compare car insurance quotes side-by-side!

Location pin icon
No junk mail. No spam calls. Free quotes.

Ohio car insurance rates by:

  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Car Insurance Expenditure in Ohio by Age

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
16 $4,658.99
17 $4,439.97
18 $4,012.79
19 $2,735.48
20s $1,446.60
30s $1,001.11
40s $966.80
50s $884.36
60s $907.23
70s $1,108.52

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.



Average Car Insurance Prices in Ohio by Gender

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
Male $1,015.93
Female $1,026.99

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.



Average Auto Insurance Rates in Ohio by Marital Status

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
Single $1,015.93
Married $971.83
Divorced $1,015.93
Widowed $1,008.29

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!


Ready to start saving?

Location pin icon
No junk mail. No spam calls. Free quotes.


Average Auto Insurance Prices in Ohio by Credit Tier

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
Fair (580-669) $1,559.16
Good (670-739) $1,303.67
Very Good (740-799) $1,075.20
Exceptional (800-850) $873.51

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!



Average Auto Insurance Costs for High-Risk Motorists in Ohio

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
Reckless Driving $1,568.46
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
Open Container $1,375.80
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.



Average Car Insurance Costs by Coverage Level in Ohio

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.


About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.