Popular QuestionsPopular Questions About Ohio Car Insurance

How much does Ohio car insurance cost a year? $843

The good news is Ohio drivers pay much less than most other drivers around the nation. Your own coverage will fluctuate from average rates, but considering there aren't too many big risks in The Buckeye State, you should easily find an affordable car insurance policy.

On average, Americans pay $1,311 per year for their auto insurance, while Ohio drivers pay on average about $843 per year. But keep in mind that your auto insurance will be completely personalized and can be higher or lower than this.

Ohio car insurance chart of average states.
What does Ohio car insurance actually do for me?

Being behind the wheel and on the road can be dangerous. If you get into an accident — whether it's a small fender bender or something bigger — here's what your Ohio car insurance will do for you in terms of car repairs and medical bills…

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
  • Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability."
  • Pay Your Medical Bills – Not Required. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Med Bills – Required/Min. $25,000 per person / $50,000. We officially call this "bodily injury liability."

As an Ohio car owner, you're required to have auto insurance and specific amounts of coverage that will pay for vehicle damage and medical bills if an accident happens. Talk to a Trusted Choice® agent about what exactly you have to have when finding a new auto insurance policy.

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many Ohio drivers are uninsured: 13.5%

There are a host of uninsured, careless drivers on the road. Many drive without a financial backup plan for accidents — which puts you at financial and emotional risk whether you like it or not. Ohio has a very high rate of drivers who do not have car insurance.

Luckily, there's "Uninsured Motorist Coverage" to protect you against the unexpected. If you're hit by an uninsured or underinsured driver, this insurance coverage will step in and pay for vehicle repairs and medical bills.

Your insurance company will typically attempt to collect from the offending driver, but collecting compensation can be extremely difficult.

Ohio does require you to have uninsured motorist coverage, but we highly advise you to consult a Trusted Choice agent about your options.

Which are the best insurance companies in Ohio?

An independent insurance agent compares multiple companies to find the best policy for your needs.

westfield insurance
safeco insurance
central insurnace companies

InformationFind the Best Insurance in Your City

Now, let's take a quick peak at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Huber Heights22.22.38$916
Grove City22.71.44$847
Cuyahoga Falls21.31.02$760
Cleveland Heights21.82.19$821
Upper Arlington18.90.54$968
Garfield Heights22.90.11$873

Akron, OH Car Insurance

On average, resident of Akron spent $89 a month on their car insurance coverage. Did you know that details about your vehicle, driving record, and occupation can all impact your monthly auto insurance cost? Keep that in mind when looking at your policy options, and remember your rate may be considerably higher or lower than this average.

Akron drivers don't spend as much time commuting as others, and this can have a positive impact on how high your insurance rates are. Less time spent on the road means less risk of being in an accident. Of course, accidents can happen at any time, even to the best drivers, so you will want to make sure you are insured against whatever may come your way.

The theft rate in Akron is pretty slightly higher than the nation's average as a whole. Experiencing a theft, break-in or burglary can be financially devastating and happen when you least expect it. Bear in mind that your insurance company cannot compensate you for losses caused by non-collision events like theft and falling objects unless your policy includes the optional comprehensive coverage. 

Dayton, OH Car Insurance

Residents of Dayton pay an average of $76 per month for their auto insurance. Of course, rates can vary significantly from one driver to the next because they are calculated individually according to a variety of factors such as your age, driving record, and the vehicle you are insuring. A Trusted Choice agent can help you find a personalized policy that meets your coverage and budgetary needs.

Dayton residents don't spend as much time traveling to and from work as the average national driver. This may help keep insurance rates low since the less time spend on busy roads, the lower your risk of being in a collision. 

The auto theft rate in Dayton is higher than the national average. You can take precautionary steps like always locking your car and parking in well-lit areas, but many car thefts are unavoidable. Be sure that your Dayton car insurance policy includes comprehensive coverage so that you can be compensated if your car is stolen or vandalized.

Parma, OH Car Insurance

The average monthly cost of auto insurance in Parma is $68. Take note: Your actual monthly cost could be considerably higher or lower than this amount. Use this as a baseline, since your policy quote will be unique to a variety of factors such as your vehicle’s make and model, your driving record, and the amount of coverage you are purchasing. A Trusted Choice agent can help you find the best rates.

Ever feel like you're spending too much time on the road? You're not alone. Parma drivers spend nearly as much time commuting as the average national driver. This may increase insurance rates, since you're at a greater risk for getting into an accident when you spend a lot of time on busy, congested roadways.

Auto thefts happen in this city about half a often as the national average. But don't take Parma's low crime rate for granted. Make sure your insurance includes comprehensive coverage so you can be coverage against not only property crimes, but other not-collision-related losses such as those caused by falling objects, fires, and floods.

Canton, OH Car Insurance

Residents of Canton pay an average of $68 per month for their auto insurance coverage.Your individual auto insurance will be calculated based on a number of factors like your vehicle, gender, driving record, and coverage amount. That means your monthly cost could be higher or lower than this average, since risks differ from one driver to the next.

The more time you spend on busy roadways, the greater your risk of being in an accident. Canton residents spend less time commuting to and from work than most Americans, and this is reflected in lower overall insurance rates.

Unfortunately, Canton’s theft rate exceeds the national average.  Make sure your auto insurance will compensate you for damaged property or stolen personal items if something unexpected happens. For this, you will need to include comprehensive (or, “other than collision”) coverage. This optional insurance also covers against damages caused by other non-collision damages such as those caused by falling trees or flooding.

Lorain, OH Car Insurance

The average monthly cost of auto insurance in Lorain is $70.  Naturally, you can expect your rates to be somewhat higher or lower depending may things such as on the amount of coverage you are purchasing, the number of drivers who will be included on your policy, and the age, make, and model of the vehicle (or vehicles) you wish to insure.

Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident.  Drivers in Lorain spend less time traveling to and from work than most Americans. This helps to keep insurance rates affordable for many city residents.

Auto theft rates in Lorain are lower than the national average, but it is still a risk faced by vehicle owners. Don't let an unexpected theft or break-in cause financial harm. Be sure that your Lorain auto insurance policy covers everything from stolen vehicles to damages caused by fallen trees by including optional comprehensive coverage as part of your auto insurance policy.

Springfield, OH Car Insurance

Residents of Springfield pay an average of $66 per month for their auto insurance coverage. Car insurance is rather inexpensive in Springfield when compared with the rest of the country. Just keep in mind that your own insurance costs will vary based on your vehicle, driving history, coverage amounts, and several other factors.

Residents of Springfield spend considerably less time traveling to and from work than the average American, and this is good news from an insurance standpoint. The less time you spend driving on busy, congested roads, the lower your risk of being involved in a collision. Insurers will take this into account when calculating your rate.

Springfield has a pretty high average auto theft rate, and this may increase insurance rates. Discuss with your Trusted Choice agent how including comprehensive coverage with your car insurance policy enables you to be compensated for non-collision events such as stolen vehicles, vandalism, and falling objects. 

Hamilton, OH Car Insurance

The average monthly cost of auto insurance in Hamilton is $73. Depending on your vehicle's age, make and model; your age driving record; the amount of your deductible; and several other factors, your actual quoted rate could be somewhat higher or lower than this average cost. A Trusted Choice agent can help you compare policies and find the best rate for coverage.

Residents of Hamilton spend slightly less time driving to and from work than most Americans. This can help to keep insurance rates affordable for most drivers in this city. Talk to your Trusted Choice agent to learn how lowering your annual mileage can affect your rates.

While auto thefts in Hamilton are quite rare, don’t skimp out on purchasing comprehensive coverage. In addition to covering against property crimes, this optional insurance can also provide compensation for loss or damage caused by other non-collision events like floods, fires, and falling objects. Hamilton’s low crime rate can keep the costs of this coverage affordable.