Ohio drivers pay around $1,842 a year for full coverage — about 32% under the national average. The state follows an at-fault model with a 25/50/25 liability minimum, and insurers may weigh credit history. Here's the coverage you must carry, what Ohioans pay, and how to find a cheaper rate.
Ohio uses an at-fault (tort) framework with a 25/50/25 liability minimum and no mandated PIP or uninsured-motorist coverage. At roughly $1,842 a year for full coverage, Ohio lands well under the national average, aided by a competitive market and moderate traffic. Credit history is a permitted rating factor, and Cleveland, Columbus, and Cincinnati rates run above the statewide figure.
The coverages below are the minimum a driver must legally carry in Ohio. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $25k | Mandatory |
| Uninsured motorist | Optional | Offered; may be waived |
| Personal injury protection | Not required | Ohio follows an at-fault model |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,842/yr | 32% below U.S. | Comprehensive and collision included |
| Minimum coverage | $498/yr | 41% below U.S. | Liability only at 25/50/25 |
Estimates apply national rate-increase multipliers to Ohio's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,842/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$2,634/yr | +43% | 1,842 × 1.43 per Bankrate |
| Speeding ticket | ~$2,284/yr | +24% | 1,842 × 1.24 per Bankrate |
| DUI on record | ~$3,463/yr | +88% | 1,842 × 1.88 per Bankrate |
| Young driver (18–24) | ~$3,684/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$3,131/yr | +70% | 1,842 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Ohio's below-average pricing and crowded carrier field make it one of the easier states to shop. The 25/50/25 minimum is low against repair and medical costs, so higher limits plus collision and comprehensive are worthwhile. With credit and ZIP code driving differences between carriers, comparison shopping is the most reliable way to lock in Ohio's low baseline.
Ohio is an affordable, highly competitive state for auto insurance. Weighing several carriers and keeping your credit healthy is the best way to secure a competitive Ohio rate with adequate protection.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Ohio are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Ohio insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.