Car Insurance in Ohio: Average Rates, Top Carriers, and Calculator (April 2026)
Average annual premium
$1,173
vs. national
31.8% below
Minimum liability
25/50/25
Car insurance estimate — Ohio
Client-side estimate using Ohio's average annual premium as the baseline and typical underwriting multipliers. Not a quote. For actual pricing, request quotes from licensed carriers.
Why rates look this way in Ohio
Ohio's average car insurance premium sits around $1,173 per year, which is roughly 31.8% below the national figure of $1,720. Individual quotes vary significantly with age, driving record, vehicle type, and credit-based rating where it is allowed. The table below shows the carriers with the largest market share in the state alongside a complaint index (1.00 is the national median; lower is better).
Premium differences between states reflect a mix of minimum-coverage requirements, weather and disaster exposure, medical-cost inflation in the tort claims market, and state-level regulation of rating factors. In Ohio, the traditional tort system means at-fault drivers pay via their liability coverage, which affects the composition of the typical premium.
- Minimum coverage: Ohio sets liability minimums low relative to most states, which is one reason average premiums are below the national figure.
- Average premium position: 31.8% below the national figure.
- Largest carriers by market share: State Farm, GEICO, Progressive.
Note: the editorial commentary above is a templated summary while our per-state Claude-assisted commentary pipeline rolls out. Every figure is drawn from the sources listed at the top of this page; the prose does not introduce numbers beyond them.
Top 10 car insurance carriers in Ohio
| Carrier | Avg annual premium | Market share | Complaint index |
|---|---|---|---|
| State Farm | $1,126 | 17.1% | 0.82 |
| GEICO | $1,067 | 14.2% | 1.05 |
| Progressive | $1,150 | 13.8% | 1.12 |
| Allstate | $1,255 | 10.4% | 0.91 |
| USAA | $985 | 6.3% | 0.44 |
| Liberty Mutual | $1,314 | 5.1% | 1.28 |
| Farmers | $1,220 | 4.6% | 1.15 |
| Nationwide | $1,185 | 2.4% | 0.97 |
| Travelers | $1,279 | 2.0% | 1.02 |
| American Family | $1,196 | 1.8% | 0.88 |
Source: NAIC Market Share (illustrative fixture), 2024. Complaint index: 1.00 = national median.
5-year premium trend in Ohio
Trend reflects average annual premium across all policy types. Inflation adjustments are disclosed in the source notes below.
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See quotesFrequently asked questions
What is the minimum car insurance in Ohio?
The legal minimum in Ohio is 25/50/25. Ohio sets liability minimums low relative to most states, which is one reason average premiums are below the national figure.
How much does car insurance cost in Ohio on average?
The average annual premium in Ohio is approximately $1,173, compared with a national figure near $1,720. Individual quotes vary significantly with age, driving record, and credit.
Is Ohio a no-fault state?
No. Ohio follows a traditional tort system: the at-fault driver (via their liability insurance) is responsible for the other party's injuries and property damage.
Which carriers write the most policies in Ohio?
State Farm, GEICO, Progressive, Allstate, and USAA generally dominate market share in Ohio, though exact rankings shift year to year. The carrier table above shows the latest figures.
Does Ohio allow credit-based insurance scores?
Most states allow insurers to use credit-based insurance scores as a rating factor. California, Hawaii, Massachusetts, and Michigan restrict or ban the practice. Ohio's specific rule is listed on the state insurance department's website.
How often does RateOrchard refresh Ohio data?
NAIC market share and complaint data update on a roughly annual cadence. FRED-based figures (interest rate indices used in our calculators) update daily. The box below lists the last refresh for this page.
Compare neighboring states
Information on this page is for general educational purposes only. It is not financial, legal, or insurance advice. Rates change frequently and vary by individual circumstance. Request a quote from a licensed carrier for your specific situation.