What's the Average Cost of Auto Insurance in Ohio?

The Zebra
Oct. 11, 2018

Auto insurance is inexpensive in Ohio. The average car insurance rate in Ohio is $1,037 annually — 27.3% less than the US average.

But auto insurance premiums are affected by factors other than state lines. Auto insurance premiums incorporate myriad factors, including the insured party's marital status, driving history, credit rating, gender, and age.

We analyzed typical Ohio car insurance premiums by each of the main rating components. See below how much car insurance costs in each US location — or submit your zip code to receive unique quotes from popular car insurance companies.


Average Auto Insurance Expenditure in Ohio by Age

It’s a fact of life: as you age, your car insurance premiums change. Generally, auto insurance is more costly for young drivers, as car insurance companies see inexperienced motorists as more risky.

In Ohio, car insurance costs $4,659 annually for a 16-year-old driver, but just $884 annually for a driver aged from 50 to 60.


OHIO CAR INSURANCE RATES BY AGE
AgeAverage Yearly Rate
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



Average Car Insurance Premiums in Ohio by Gender

While gender does not have as significant an impact on auto insurance prices as state or age, it is employed as a pricing factor. Men pay less than do women for car insurance in Ohio, but the difference is just $11.06 per year.

OHIO AUTO INSURANCE RATES FOR MEN AND WOMEN
GenderAverage Annual Rate
Male$1,015.93
Female$1,026.99



Average Auto Insurance Premiums in Ohio by Marital Status

One benefit of marriage — in addition to the wedding gifts — is the improved deal you may receive on your auto insurance. In the state of Ohio, wedded drivers save $44 per year on auto insurance policies. This is a smaller discount than the US average of $76.


OHIO AUTO INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,015.93
Married$971.83
Divorced$1,015.93
Widowed$1,008.29



Average Car Insurance Rates in Ohio by Credit

Insurers use credit history to gauge the reliability of a prospective client. Historical data show drivers who carry solid credit are more insurable car insurance clients: they're less likely to file claims for which insurance companies end up on the hook.

In Ohio, a driver who holds exceptional credit saves $1,024.52 annually on car insurance, contrasted with a driver who has a poor credit score. Read more about how credit impacts auto insurance expenses:


OHIO CAR INSURANCE EXPENDITURES BY CREDIT LEVEL
Credit QualityAverage Annual Premium
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



Average Car Insurance Costs for Bad Drivers in Ohio

If you’re determined to be at fault for a driving incident or convicted of an on-road infraction, your car insurance premiums are going to grow. The more infractions you accumulate, the more expensive your auto insurance becomes.

In Ohio, your first minor at-fault crash costs $520.31 annually in auto insurance premiums. A DUI — considered one of the most severe vehicular offenses — will increase your insurance rates in Ohio by an average of $673.87.


OHIO AUTO INSURANCE RATES AFTER VIOLATIONS
AgeAverage Yearly Premium
DWI/DUI$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 your premiums are above-average, think about shopping around to discover affordable insurance coverage that meets state regulations.


Start shopping today!

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