How much is car insurance in Ohio?
In Ohio, a full-coverage auto policy averaged $1,038 a year in 2023 (NAIC), 28% below the $1,439 national average (10th lowest in the US), or about $1,230 a year in Ohio today (about $105 a month as of August 2026). For Ohio drivers, the law asks for at least 25/50/25 liability, and liability-only coverage—the closest NAIC measure to a minimum policy—averaged $485 in 2023 (about $580 today).
What people pay in Ohio: 10th lowest average in the US
Typical Ohio full-coverage price today
about $1,230 a year in Ohio (about $105 a month)
Ohio's 2023 NAIC full-coverage average ($1,038) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your Ohio rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Ohio was the 10th least expensive of the 50 states and DC for full coverage ($1,038 vs $1,439 nationally), but ranked higher on liability alone (15th lowest in the US at $485) because liability makes up 47% of a full-coverage Ohio bill. Counting every insured car in Ohio—both full-coverage and liability-only policies—Ohio drivers spent $947 per vehicle on average in 2023 (11th lowest in the US, about $1,120 today), or 9% ($91) less than Ohio's full-coverage combined average.
How Ohio compares with Indiana, Kentucky, Michigan, and 2 more bordering states
A typical policy in Ohio ($1,038 in 2023) costs more than in Indiana and less than in Kentucky, Michigan, Pennsylvania, and West Virginia. Among Ohio's neighbors, Indiana had the lowest 2023 average ($1,032, moving to Ohio is about the same) and Michigan had the highest ($1,573, moving to Ohio is about $710 less a year).
| State | 2023 average | Moving to Ohio from there |
|---|---|---|
| Ohio | $1,038 | Current state (Ohio) |
| Indiana | $1,032 | About the same |
| Kentucky | $1,208 | About $230 less a year |
| Michigan | $1,573 | About $710 less a year |
| Pennsylvania | $1,273 | About $310 less a year |
| West Virginia | $1,227 | About $250 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: New Hampshire ($1,032 in 2023, about $1,220 today), Iowa ($1,010 in 2023, about $1,200 today), Wisconsin ($1,000 in 2023, about $1,190 today), and Hawaii ($998 in 2023, about $1,180 today).
Ohio: 25/50/25 liability minimums since 2021
- Ohio liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Ohio
- Not required
- Medical payments in Ohio
- Not required
- No-fault system in Ohio
- No
- Uninsured motorist in Ohio
- Not required
- Underinsured motorist in Ohio
- Not required
Set by Ohio Rev. Code 4509.01(K), Ohio's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Ohio, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Ohio—the closest NAIC figure to what an Ohio minimum policy costs—averaged $485 in 2023 (about $580 in Ohio today), the 15th lowest of the 50 states and DC. That makes liability 47% of Ohio's full-coverage average ($1,038), while the remaining 53% goes toward collision and comprehensive coverage for your own car.
Ohio requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured- and underinsured-motorist coverage is optional, so ask for it if you want it.
Good to know: You can also show financial responsibility with a bond, a deposit, or self-insurance instead of a policy.
What we couldn’t confirm: We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- History and recent checks
- ORC 4509.01 effective April 15, 2021 (no limit change); 4509.101 effective Sept 30, 2025 (HB 96, penalties/administration, not limits). No 2024-2026 change to 25/50/25 found.
- Checked
- September 22, 2026
- Sources
- Ohio Rev. Code 4509.01(K)
twenty-five thousand dollars because of bodily injury to or death of one person ... fifty thousand dollars ... twenty-five thousand dollars because of injury to property of others
- Ohio Rev. Code 4509.101(A)(1)
No person shall operate, or permit the operation of, a motor vehicle in this state, unless proof of financial responsibility is maintained continuously
- Ohio Rev. Code 3937.18(A)
may, but is not required to, include uninsured motorist coverage, underinsured motorist coverage, or both
- Ohio Rev. Code 4509.01(K)
Adding a 16-year-old driver in Ohio: about $810 more a year
Adding a 16-year-old to a Ohio policy
about $810 more a year
About $70 a month (+66% over a typical Ohio adult policy of $1,230), bringing the combined Ohio family policy to roughly $1,500–$2,700 a year.
On a separate Ohio policy of their own with the same car, a 16-year-old in Ohio would pay about $3,530 a year (roughly $2,700–$5,050), so sharing a parent's Ohio policy saves about $2,720 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Ohio's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Ohio
In Ohio, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $720 more a year on an Ohio policy, compared with about $1,220 more a year for the 2022 Tesla Model 3 in Ohio.
| 2022 model | Added to a Ohio policy | Own Ohio policy |
|---|---|---|
| 2022 Subaru Forester | +$720 in Ohio | $3,150 in Ohio |
| 2022 Subaru Outback | +$730 in Ohio | $3,160 in Ohio |
| 2022 Subaru Crosstrek | +$730 in Ohio | $3,170 in Ohio |
| 2022 Honda CR-V | +$780 in Ohio | $3,390 in Ohio |
| 2022 Toyota RAV4 | +$790 in Ohio | $3,450 in Ohio |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Ohio
In Ohio, a 45-year-old with full coverage pays from about $1,280 a year for a 2024 Subaru Legacy to about $1,750 for a 2024 Chevrolet Camaro on these Ohio sample models.
| Car | 45-year-old in Ohio | Adding a teen in Ohio |
|---|---|---|
| 2024 Hyundai Sonata | about $1,560 a year | +$1,030 a year |
| 2024 Chevrolet Malibu | about $1,620 a year | +$1,070 a year |
| 2024 Chevrolet Trax | about $1,370 a year | +$910 a year |
| 2024 Buick Envista | about $1,390 a year | +$920 a year |
| 2024 Subaru Legacy | about $1,280 a year | +$850 a year |
| 2024 Kia Seltos | about $1,380 a year | +$910 a year |
| 2024 Hyundai Venue | about $1,440 a year | +$950 a year |
| 2024 Chevrolet Camaro | about $1,750 a year | +$1,150 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Ohio
- How much is car insurance in Ohio?
- In Ohio, full-coverage car insurance averaged $1,038 a year in 2023 (the 10th least expensive of the 50 states and DC per NAIC), or about $1,230 a year ($105 a month) in Ohio as of August 2026. Ohio liability-only coverage averaged $485 in 2023 (47% of Ohio's full-coverage figure, or about $580 today), and Ohio drivers spent $947 per insured car across all policies.
- What are the minimum car insurance limits in Ohio?
- Under Ohio Rev. Code 4509.01(K), Ohio requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. ORC 4509.01 effective April 15, 2021 (no limit change); 4509.101 effective Sept 30, 2025 (HB 96, penalties/administration, not limits). No 2024-2026 change to 25/50/25 found.
- How much does adding a 16-year-old teen driver cost in Ohio?
- Adding a 16-year-old to a parent's full-coverage policy in Ohio adds about $810 more a year ($70 a month), bringing the Ohio household policy to roughly $1,500–$2,700 a year versus about $3,530 a year (roughly $2,700–$5,050) on a standalone Ohio teen policy.
- Is Ohio a no-fault car insurance state?
- No—Ohio is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Ohio does not require personal injury protection (PIP).
- How does Ohio's car insurance cost compare with Indiana?
- Ohio averaged $1,038 for full coverage in 2023 (NAIC) against $1,032 in Indiana (about the same as Indiana), and moving a sample policy from Indiana to Ohio today is about the same. Other bordering states averaged $1,208 in Kentucky, $1,573 in Michigan, $1,273 in Pennsylvania, and $1,227 in West Virginia in 2023.
Sources for Ohio
- Ohio average premiums ($1,038 full coverage, $485 liability-only, $947 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Ohio minimum coverage statutes (Ohio Rev. Code 4509.01(K); Ohio Rev. Code 4509.101(A)(1); Ohio Rev. Code 3937.18(A)), checked September 22, 2026. Page updated for Ohio. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.