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Cheap Home Insurance in Ohio

Compare home insurance across Ohio — pick your city or ZIP for local rates, or get free quotes now.

Short answer: home insurance in Ohio depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. The average annual home insurance premium in Ohio is about $995 (NAIC, 2022); your exact rate depends on coverage and profile.
Updated August 2026
Ohio home insurance basics
Home insurance in Ohio is shaped by local weather and rebuild costs. Local requirements and typical premiums vary — get a quote for your exact rate. Statewide average premium: ~$995/yr (NAIC, 2022). Verify with the state insurance department →

Cities in Ohio

Columbus, OH
Cleveland, OH
Cincinnati, OH
Toledo, OH
Akron, OH
Dayton, OH
Parma, OH
Canton, OH
Youngstown, OH
Lorain, OH
Hamilton, OH
Springfield, OH
Kettering, OH
Elyria, OH
Lakewood, OH

Ohio home insurance FAQ

How much is home insurance in Ohio?

The average annual home insurance premium in Ohio is about $995 (NAIC, 2022); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.

How do I get cheap home insurance in Ohio?

Compare multiple carriers, bundle policies, and check local Ohio discounts. Get free quotes in a couple of minutes.

Also compare auto insurance in Ohio →