Short answer: car insurance in Ohio depends on your ZIP code, coverage level and driver/home profile. Ohio's state minimum car insurance is 25/50/25. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Ohio is about $947 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
Ohio car insurance basicsOhio is an
at-fault (tort) state for auto insurance. Minimum car insurance in Ohio:
25/50/25 — $25k bodily injury/person, $50k/accident, $25k property damage. Statewide average premium:
~$947/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in Ohio
Ohio car insurance FAQ
How much is car insurance in Ohio?
The average annual car insurance premium in Ohio is about $947 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in Ohio?
Compare multiple carriers, bundle policies, and check local Ohio discounts. Get free quotes in a couple of minutes.
Also compare home insurance in Ohio →