How Much Does Car Insurance Cost in Ohio?

The Zebra
Feb. 8, 2019

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.


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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.


OHIO AUTO INSURANCE RATES BY AGE
AgeAverage 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.


OHIO CAR INSURANCE RATES FOR MEN VS. WOMEN
GenderAverage 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.


OHIO AUTO INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage 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!


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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:


OHIO AUTO INSURANCE PRICES BY CREDIT LEVEL
Credit QualityAverage 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.


OHIO CAR INSURANCE PRICES AFTER OFFENSES
AgeAverage 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.


OHIO AUTO INSURANCE COSTS BY COVERAGE
Coverage LevelAverage 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.