Car Insurance in Ohio (2026)
Ohio drivers enjoy below-average car insurance costs at approximately $1,872 per year for full coverage. The state benefits from a highly competitive insurance market with many national and regional carriers (including Progressive and Nationwide, both headquartered in Ohio). Ohio is an at-fault state with a modified comparative negligence system. Rates vary between Cleveland/Columbus metro areas and rural regions. Ohio's competitive market means comparing quotes can yield substantial savings.
$1,872
$156/mo
25/50/25
BI per person/accident/PD
-19%
Below average
State Farm
Most popular in state
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Ohio Minimum Coverage Requirements
Ohio requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Ohio
Ohio Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Ohio Department of Insurance and get personalized quotes from carriers.