Auto Insurance in Ohio — Average Cost 2026
Average auto insurance in Ohio: $1,360/year ($113/month). Ohio ranks #10 out of 51 states — below the national average.
Average annual
$1,360
Average monthly
$113
National rank
#10
of 51 states
vs national avg
-23.6%
Ohio vs national average
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Auto insurance in Ohio
Ohio sits 24% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Ohio tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Ohio drivers hundreds of dollars annually.