Average car insurance cost in Ohio (2026)
Drivers in Ohio pay an average of $117 a month for full coverage and $65 a month for liability only.
Full coverage / month
$117
Liability only / month
$65
Full coverage / year
$1,404
Liability only / year
$780
Cost rank
#44 of 51
1 = most expensive. Liability-only rank: #38.
Averages are a starting point. Estimate your cost in Ohio
How Ohio compares
The full-coverage average of $117 is 33% below the average across states ($174), and the liability-only average of $65 is 33% below the average across states ($98). Ohio is one of the 10 least expensive places in our table. That is $184 a month below Maryland, the highest, and $32 above New Hampshire, the lowest.
Full coverage vs liability only in Ohio
Full coverage costs $52 more per month than liability only in Ohio, or $624 more per year. That gap is narrower than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Ohio by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| North Dakota | $114 | $66 | -$3 |
| North Carolina | $113 | $69 | -$4 |
| Iowa | $111 | $56 | -$6 |
| Wisconsin | $125 | $57 | +$8 |
| Hawaii | $126 | $62 | +$9 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Ohio averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $117 | $65 |
| Same driver, age 20-24 | $170 | $94 |
| Same driver, one ticket | $143 | $79 |
| Same driver, one at-fault accident | $166 | $92 |
| Same driver, sports car | $152 | $85 |
Frequently asked questions
How much does car insurance cost in Ohio?
The average in Ohio is $117 a month ($1,404 a year) for full coverage and $65 a month ($780 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Ohio expensive compared with other states?
Ohio ranks 44th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 33% below the average across states of $174 a month.
How much more does full coverage cost than liability only in Ohio?
On average, full coverage costs $52 more per month in Ohio, or $624 more per year. That is 80% more than the liability-only average.
How much could an at-fault accident change an estimate in Ohio?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Ohio rises from $117 to about $166 a month, or about $49 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.