Full Coverage Car Insurance in Ohio
Numbers refreshed
Priced from the Ohio averages, this combines liability, collision and cover for non-crash losses.
- Average a month for full coverage: $94.
- The minimum liability limits: 25/50/25.
- The most expensive state (1st = highest): 43rd of 51.
Ohio full coverage costs
On top of liability, full coverage adds collision and cover for non-crash losses. Those two parts add $616 a year in Ohio, on top of the $518 average for liability.
| 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).
The point where full coverage stops paying off
While you still owe money on the car, lenders and lease companies require full coverage.
After the car is paid off, weigh its value against the $616 a year that extra cover costs. If a single bad year of premiums would cover most of the car's value, you usually come out ahead with liability only.
Full coverage, car by car, in Ohio
These estimates come from IIHS-HLDI loss results and assume an adult with a clean record. Of the 40 models we price, here are the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $733 | $61 |
| Honda CR-V | $734 | $61 |
| Subaru Outback | $788 | $66 |
| Toyota RAV4 | $851 | $71 |
| Mercedes-Benz C-Class | $1,554 | $130 |
| Chevrolet Camaro | $1,818 | $151 |
| Dodge Charger | $2,010 | $168 |
| Dodge Challenger | $2,118 | $177 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written