Average Car Insurance Cost in Ohio
Numbers refreshed
Ohio coverage averages from NAIC, along with its national rank.
- $1,134.the yearly average for full coverage.
- 25/50/25.the minimum liability limits.
- 43rd of 51.the most expensive state (1st = highest).
Ohio average cost by coverage
In Ohio, full coverage runs $1,134 a year on average. The US average is $1,613 a year, so that comes in 30% less.
Per insured car, average spending climbed to $1,037 in 2024 after $947 in 2023, a 9.4% increase.
| Coverage in Ohio | Per year | Per month |
|---|---|---|
| Liability | $518 | $43 |
| Collision | $392 | $33 |
| Comprehensive | $225 | $19 |
| Full coverage (all three) | $1,134 | $94 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Ohio compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Wyoming | 40th | $1,262 | $105 |
| North Carolina | 41st | $1,233 | $103 |
| Indiana | 42nd | $1,142 | $95 |
| Ohio | 43rd | $1,134 | $94 |
| Iowa | 44th | $1,133 | $94 |
| Wisconsin | 45th | $1,112 | $93 |
| New Hampshire | 46th | $1,103 | $92 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The figure for you
Averages combine all ages and driving records. The Ohio calculator factors in your age and record.
Learn more about car insurance in Ohio
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