Are Auto Insurance Rates Rising in Ohio?

Many drivers are aware from personal experience that auto insurance costs tend to increase each year. But there's a lot that goes into setting auto insurance premiums — and not every region experiences the same trends.

Among the primary rating factors insurance companies use to set rates is location. The ZIP code, city, and state in which a car is stored and driven contribute to auto insurance prices, which comes down state laws and the differing levels of risk associated with insuring cars in various areas of the country.

Because auto insurance pricing depends on a number of factors, yearly rate trends vary widely by state. Car insurance prices might be on their way up each year in one state while they drop for drivers one state over.

See below trending auto insurance rates in Ohio. If your policy isn't following your state's trend, consider shopping for a cheaper insurance option. The Zebra's car insurance comparison engine finds prices based on your specific profile — enter your ZIP below to get started.

Auto insurance rate trends in Ohio

In Ohio, the average annual auto insurance premium by $0 in the past year. A typical Ohio driver pays an average of $1,032 annually.

The trend in Ohio points to more expensive car insurance costs. From 2015 to 2018, rates grew more expensive by an average of $214 annually. At the same time, insurance rates nationwide have increased steadily in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — Ohio Yearly Change — Ohio Avg. Annual Premium — US Yearly Change — US
2018 $1,032 $0 $1,470 $32
2017 $1,032 $97 $1,437 $69
2016 $935 $117 $1,368 $88
2015 $818 -$63 $1,280 $51
2014 $881 $72 $1,229 $34
2013 $809 -$15 $1,195 -$80
2012 $824 $0 $1,276 $82

If your rates are increasing faster than those in your state, consider shopping around for a better deal.

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How are auto insurance rates trending in major Ohio cities?

Car insurance policies are priced at the ZIP code level with a variety of location-specific variables impacting how much you pay. That means drivers could see major differences in their insurance rates, based solely on their city or ZIP code. For example, drivers in Cincinnati faced a bigger year-over-year rate increase (4.2%) than their intrastate neighbors in Akron (4.2%) between 2018 and 2017.

See below annual rate changes in major Ohio municipalities. If your location is experiencing ongoing rate hikes, consider shopping for a cheaper policy.

City Avg. Rate Increase — 2018 vs. 2017
Cincinnati 4.2%
Akron 4.2%
Columbus 3.6%
Toledo 3.5%
Cleveland 2.6%

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance