Average insurance rates across 227 cities in Ohio
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Columbus | 905,748 | $1,380 | $1,334 | $484/mo | $14/mo |
| Toledo | 493,302 | $1,350 | $1,305 | $483/mo | $14/mo |
| Cleveland | 372,624 | $1,380 | $1,334 | $484/mo | $14/mo |
| Youngstown | 319,065 | $1,350 | $1,305 | $483/mo | $14/mo |
| Cincinnati | 309,317 | $1,380 | $1,334 | $484/mo | $14/mo |
| Canton | 294,047 | $1,350 | $1,305 | $483/mo | $14/mo |
| Lorain | 201,808 | $1,350 | $1,305 | $483/mo | $14/mo |
| Akron | 190,469 | $1,305 | $1,262 | $480/mo | $13/mo |
| Dayton | 137,644 | $1,275 | $1,232 | $479/mo | $13/mo |
| Middletown | 93,870 | $1,350 | $1,305 | $483/mo | $14/mo |
| Springfield | 81,620 | $1,350 | $1,305 | $483/mo | $14/mo |
| Parma | 80,587 | $1,350 | $1,305 | $483/mo | $14/mo |
| Newark | 79,959 | $1,350 | $1,305 | $483/mo | $14/mo |
| Mansfield | 73,448 | $1,350 | $1,305 | $483/mo | $14/mo |
| Hamilton | 63,149 | $1,350 | $1,305 | $483/mo | $14/mo |
Ohio residents pay an average of $1,500 per year for home insurance and $1,450 for auto insurance. Ohio follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in Ohio averages $490 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in Ohio include State Farm, Progressive, Erie Insurance.
The average home insurance cost in Ohio is $1,500 per year. Rates range from $950 to $2,200 depending on home value, location, and coverage level.
Auto insurance in Ohio averages $1,450 per year for full coverage. The state minimum coverage is 25/50/25.
Ohio has below-average insurance costs, with home insurance at $1,500/yr and auto at $1,450/yr compared to national averages of $2,300 and $1,800 respectively.
Ohio requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.