Ranked #47 of 51 by Cost

2026 Ohio Car Insurance Calculator

Estimate your monthly premium based on The Buckeye State averages

Ohio state flag — 2026 car insurance rates

Rate Calculator

$144

per month

$1,728

per year

Updated June 1, 2026

Local insurance tip

Ohio allows Medical Payments (MedPay) coverage as an optional add-on. Since Ohio is an at-fault state, MedPay is a smart, low-cost way to ensure your own medical bills are covered immediately after an accident, regardless of who is eventually found liable.

Cost Breakdown

Average Monthly Insurance Rate by Coverage Level
Coverage	Monthly	Description
OH minimum	$68	Legal bare minimum (liability only)
Standard liability	$108	High Liability, no physical damage
Full coverage	$144	Comprehensive ($500 ded.)
Premium protection	$196	Max liability ($250 ded.)

Average Monthly Insurance Rate by Age Group
Age	Risk	Monthly
16-19	Very high	$425
20-24	High	$238
25-54	Standard	$144
55-69	Low	$137
70+	Moderate	$180

Average Monthly Insurance Rate by Driving History
Violation	Risk	Monthly
Clean	Standard	$144
Speeding Ticket	Moderate	$176
At-Fault Accident	High	$213
DUI / DWI	Very high	$410

Ohio Snapshot · June 2026

Ohio Car Insurance Rates by County June 2026

$144/mo

State avg (-41% US AVG)

#47

National Rank

31%

County Spread

Rate by Neighboring States (6)

Average Monthly Insurance Rate by State
Rank	State	Monthly	Population
1	Michigan	$308+114%	9,860,027
2	Kentucky	$238+65%	4,304,801
3	Pennsylvania	$213+48%	12,644,542
4	West Virginia	$171+19%	1,843,394
5	Indiana	$163+13%	6,453,265
6	Ohio	$144	11,495,697

State Insight

Ohio is the most affordable of its neighbors by a clear margin. Michigan is the most expensive neighbor by a dramatic margin, more than double Ohio's average, a gap that stands out even nationally. Kentucky and Pennsylvania both sit meaningfully above Ohio. Indiana is the closest neighbor in cost, the two states forming the most affordable pair of neighboring states in the Midwest.

Rate by Cities (Top 50)

Average Monthly Insurance Rate by City
Rank	City	Monthly	Population
1	Columbus	$164+14%	773,853
2	Cleveland	$164+14%	768,776
3	Toledo	$163+13%	316,948
4	Youngstown	$158+10%	162,201
5	Euclid	$158+10%	41,932
6	Cincinnati	$155+8%	795,220
7	Reynoldsburg	$153+6%	51,836
8	Grove City	$152+6%	58,424
9	Dublin	$150+4%	68,932
10	Hilliard	$150+4%	54,017
11	Westerville	$149+3%	85,937
12	Pickerington	$149+3%	38,440
13	Powell	$148+3%	38,821
14	Akron	$147+2%	270,742
15	Newark	$147+2%	59,605
16	Zanesville	$147+2%	55,643
17	Chillicothe	$146+1%	57,842
18	Hamilton	$145+1%	134,328
19	Delaware	$145+1%	48,107
20	Fairfield	$144	43,917
21	Dayton	$142-1%	476,392
22	Warren	$142-1%	75,903
23	Lakewood	$141-2%	52,244
24	West Chester	$141-2%	49,060
25	Canton	$140-3%	146,692
26	Springfield	$140-3%	101,826
27	Middletown	$140-3%	79,273
28	Massillon	$139-3%	65,540
29	Marion	$139-3%	54,790
30	Mason	$138-4%	50,627
31	Stow	$138-4%	38,742
32	Lancaster	$137-5%	59,570
33	Cuyahoga Falls	$136-6%	47,772
34	North Canton	$136-6%	39,010
35	Loveland	$135-6%	53,267
36	Barberton	$135-6%	41,248
37	Kent	$134-7%	37,927
38	Mentor	$132-8%	60,211
39	Painesville	$132-8%	56,491
40	Lima	$131-9%	86,954
41	Strongsville	$131-9%	44,785
42	Mansfield	$130-10%	90,484
43	Lorain	$130-10%	67,952
44	Fairborn	$129-10%	40,529
45	Elyria	$128-11%	64,263
46	Sandusky	$128-11%	41,030
47	Wooster	$127-12%	43,753
48	Medina	$123-15%	62,039
49	Findlay	$123-15%	54,979
50	Brunswick	$123-15%	43,548

Compared to OH avg ($144)

City Insight

While Cleveland and Columbus are the state's priciest areas due to urban congestion, they are still remarkably affordable by national standards. The Buckeye Discount is real: even in high-density Cleveland, 2026 average full-coverage rates are nearly $1,000 cheaper than the national average.

Rate by Counties (88)

Average Monthly Insurance Rate by County
Rank	County	Monthly	Population
1	Franklin	$160+11%	1,179,289
2	Lucas	$155+8%	437,581
3	Morgan	$155+8%	12,882
4	Hamilton	$155+8%	815,507
5	Noble	$154+7%	11,717
6	Cuyahoga	$154+7%	1,285,219
7	Monroe	$153+6%	14,170
8	Gallia	$153+6%	32,558
9	Meigs	$153+6%	21,881
10	Mahoning	$152+6%	236,131
11	Lawrence	$152+6%	62,331
12	Vinton	$152+6%	10,412
13	Coshocton	$151+5%	33,579
14	Harrison	$151+5%	15,110
15	Scioto	$151+5%	81,327
16	Perry	$150+4%	39,393
17	Adams	$150+4%	31,280
18	Pike	$150+4%	26,036
19	Jackson	$149+3%	33,434
20	Muskingum	$148+3%	91,793
21	Carroll	$148+3%	22,034
22	Athens	$148+3%	69,669
23	Washington	$148+3%	63,245
24	Licking	$147+2%	150,108
25	Delaware	$147+2%	175,232
26	Guernsey	$147+2%	40,256
27	Ross	$146+1%	78,864
28	Hocking	$146+1%	27,608
29	Pickaway	$145+1%	54,982
30	Knox	$144	61,280
31	Holmes	$144	39,984
32	Geauga	$144	88,526
33	Brown	$144	39,783
34	Fairfield	$143-1%	133,300
35	Butler	$143-1%	363,027
36	Jefferson	$142-1%	71,135
37	Highland	$142-1%	42,273
38	Montgomery	$142-1%	549,835
39	Belmont	$141-2%	68,376
40	Summit	$141-2%	545,154
41	Trumbull	$141-2%	202,560
42	Marion	$139-3%	66,632
43	Champaign	$138-4%	39,518
44	Clark	$138-4%	137,322
45	Madison	$138-4%	51,223
46	Ashtabula	$138-4%	102,159
47	Preble	$138-4%	40,685
48	Union	$137-5%	41,527
49	Morrow	$137-5%	26,209
50	Tuscarawas	$137-5%	92,394
51	Stark	$137-5%	374,565
52	Warren	$135-6%	197,519
53	Clermont	$135-6%	206,197
54	Clinton	$135-6%	47,054
55	Fayette	$134-7%	26,410
56	Logan	$134-7%	49,340
57	Columbiana	$134-7%	112,023
58	Portage	$134-7%	162,502
59	Greene	$134-7%	146,271
60	Ashland	$133-8%	51,139
61	Lake	$132-8%	229,821
62	Miami	$132-8%	98,834
63	Fulton	$131-9%	47,891
64	Richland	$131-9%	121,127
65	Williams	$129-10%	38,862
66	Defiance	$129-10%	38,644
67	Huron	$129-10%	61,623
68	Allen	$129-10%	113,814
69	Hardin	$128-11%	32,820
70	Henry	$128-11%	27,964
71	Lorain	$128-11%	292,869
72	Wayne	$128-11%	121,629
73	Crawford	$128-11%	45,217
74	Shelby	$128-11%	46,979
75	Darke	$128-11%	53,223
76	Paulding	$128-11%	18,066
77	Erie	$126-13%	80,050
78	Wyandot	$125-13%	24,027
79	Wood	$125-13%	120,530
80	Seneca	$125-13%	61,901
81	Medina	$124-14%	171,096
82	Mercer	$124-14%	40,909
83	Putnam	$124-14%	35,821
84	Ottawa	$123-15%	38,932
85	Hancock	$123-15%	68,343
86	Auglaize	$123-15%	44,527
87	Van Wert	$123-15%	24,248
88	Sandusky	$122-15%	66,380

Compared to OH avg ($144)

County Insight

The county spread in Ohio is remarkably narrow, one of the tightest of any state in the country. Franklin and Lucas counties lead the state modestly, while Wyandot, Sandusky and Auglaize counties in the northwest are the most affordable.

What Every Ohio Driver Needs To Know

Why is Ohio car insurance so much cheaper than the national average?

Ohio benefits from a perfect storm of affordability: a massive number of competing insurance carriers, lower-than-average population density and a traditional Tort legal system. This competition forces insurers to keep rates low to win customers, making Ohio one of the top 10 most affordable states for drivers in 2026.

What are the minimum insurance requirements in Ohio for 2026?

Ohio law requires 25/50/25 coverage: $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage. While these minimums are affordable, many Ohio drivers opt for 100/300/100 limits to ensure they are fully protected against the rising cost of modern vehicle repairs and medical inflation.

How does the Ohio Financial Responsibility law work?

Ohio does not require you to show proof of insurance to register a car, but you must sign a statement swearing you have it. If you are caught without coverage during a traffic stop or after a random computer check, the state will issue an FR Suspension, requiring you to file an SR-22 certificate for three to five years to keep your license.

Can I get a discount for taking a defensive driving course in Ohio?

Yes, Ohio law (R.C. 3937.33) requires insurance companies to provide a premium discount to drivers aged 60 and older who successfully complete a state-approved accident prevention course. Many insurers voluntarily extend similar Safe Driver discounts to younger residents who use telematics (tracking apps) to prove good driving habits.

Sources: Ohio BMV