The Best Cheap Renters Insurance in Ohio

The best cheap renters insurance in Ohio comes from Lemonade, with rates of only $12 per month, or $139 per year.

That is 28% less than the next-cheapest option and 37% cheaper than the average rate in the state, $18 per month.

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Choosing the right renters insurance is about combining good rates with endorsement options and reliable customer service. To help you strike that balance, we collected more than 150 quotes from Ohio and compared coverage features at some of the state's biggest insurers.

The cheapest renters insurance in Ohio

The most affordable renters insurance company in Ohio is Lemonade, which sells policies for an average of $12 per month.

The average cost of renters insurance in Ohio is $18 per month, or $221 per year. That's more expensive than the average cost in the United States, which is about $215 per year.

A bar graph showing the average costs of renters insurance in Ohio

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The difference between the cheapest and most expensive renters insurance in Ohio is $184 per year. This highlights the importance of shopping around to get the best deal.

Cheapest renters insurance companies in Ohio

Monthly cost
Lemonade logo
Travelers logo
Nationwide logo
Allstate logo
Amica logo
Farmers logo

Best renters insurance for most people: Lemonade

  • Editor rating

  • Average monthly rate

    $12 ?

Pros and cons

  • Low prices
  • Good online tools
  • Limited human-to-human service

Lemonade is the cheapest renters insurance for most of Ohio's tenants, and it has a convenient online experience. A typical policy costs $12 per month, or $139 per year. The cost of coverage from Lemonade is 37% cheaper than Ohio's statewide average.

Although Lemonade's basic coverage will be sufficient to meet the needs of most Ohio renters, you can upgrade your policy with a few add-ons. These include identity theft protection, coverage for water backups and replacement cost coverage.

Ohio renters looking for a company with good customer service and a convenient online experience should consider Lemonade. The company is highly rated for customer satisfaction by J.D. Power, and its app allows you to quickly get a policy or file a claim.

One downside of that digital focus is you won't be able to work with an agent face-to-face. You will have to manage your policy or claims by phone or online.

Best renters insurance for complete coverage: Travelers

  • Editor rating

  • Average monthly rate

    $16 ?

Pros and cons

  • A wide range of extra coverage options
  • Low rates
  • Poorly rated customer service

People looking to get the most protection from their policy for a reasonable price should consider Travelers renters insurance. Travelers' policies include the option to add coverages for equipment breakdown, identity theft and replacement cost coverage.

You can also add identity theft protection and extra coverage for valuable items to your policy.

The average cost of Travelers renters insurance is $16 per month, or about $195 per year — edging out Nationwide as the second-cheapest policy in Ohio. Since the cost of renters insurance can vary with your location, we recommend you compare their quotes for yourself.

The biggest drawback with Travelers is its customer service. The company ranks last in customer satisfaction in J.D. Power’s survey, but it receives fewer complaints than average.

Best renters insurance for customer service: Amica

  • Editor rating

  • Average monthly rate

    $20 ?

Pros and cons

  • Good customer service
  • Long list of potential discounts
  • High rates
  • Limited ability to add to policy

Amica is the top option in Ohio for renters looking for good customer service and the peace of mind that comes with it. However, it will cost a bit extra for that convenience.

Amica receives a low rate of customer complaints, only 12% of what an average company its size receives. This indicates policyholders are mostly satisfied with their service. The company also earned a strong rating from ValuePenguin's editors for its all-around product.

You will pay more for that service, as Amica's rates are 10% higher than the state average. The company offers a more limited set of add-on coverages, with no option for water backup or equipment breakdown protection.

Ohio renters insurance rates: city by city

The most expensive city in Ohio for renters insurance is Toledo, at $24 per month, while Mentor, at $16 per month, has the cheapest rates among the state's major cities.

Columbus and Cleveland, two of the largest cities in the state, have rates that are more expensive than average, but Cincinnati's rates are 3% less than the state average. Where you live can notably impact rates, as crime and weather can make covering you more expensive.

Average annual cost
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Customer service: Best renters insurance companies in Ohio

USAA and Amica have the best-rated customer service in Ohio, based on a combination of metrics.

Both companies receive a low rate of customer complaints, according to the NAIC and each has high marks from ValuePenguin's editors. USAA is also the top company in J.D. Power's annual survey of renters insurance customer satisfaction.


Good customer service is crucial after something happens to the home you rent. An easy experience with helpful staff can get you back to normal faster and reduce some of your stress.

Frequently Asked Questions

Can landlords in Ohio require you to get renters insurance?

Some landlords may put a requirement for renters insurance in the lease agreement that they present to you as a tenant. However, renters insurance is not like homeowners insurance because it's required in almost every case. No law mandates coverage for renters in Ohio or any other state.

How quickly can I obtain renters insurance?

In most cases, insurers are able to provide renters with coverage immediately, although some force new customers to wait at least one day as a way of fighting fraud. If your landlord has required renters insurance as a condition of your lease, you should also make sure that you include their contact information in your insurance application so that they're listed as an interested party. That's how the insurer will notify your landlord of the policy. See insurers now

How much renters insurance do you typically need?

In most cases, we've found that renters can get good value out of a policy by choosing $20,000 to $40,000 in coverage for personal property, along with the typical $100,000 in personal liability coverage. Other coverages such as loss of use are often calculated as a percentage of the personal property limit, so all you usually need to do is decide on that one number.


We gathered renters insurance quotes for a 25-year-old unmarried tenant. We collected more than 150 quotes from addresses across Ohio and calculated an overall average cost, as well as typical costs for each insurer. Our sample profile was insured for $30,000 of personal property coverage, $100,000 of personal liability and $1,000 of medical payments to others.

The cost of renters insurance depends on several factors, including your location, the amount of coverage you choose and your history of making claims. Consequently, your quotes may differ somewhat from ours.

We considered three main categories to determine the best renters insurance in Ohio. The best renters insurance providers tend to separate themselves from competitors by having high marks in these areas:

  • Affordability: The typical price a shopper might pay for coverage.
  • Coverage options: The upgrades available through an insurer, as well as the quality of its standard policy.
  • Customer service: The reputation a provider has for meeting the needs of its customers.

To build our customer service rating, we used three measurements to compare the companies' customer service reputations: the NAIC's Complaint Index, J.D. Power's U.S. Home Insurance Study - Renters Insurance and ValuePenguin's own editor's ratings.

NAIC Complaint Index: The National Association of Insurance Commissioners calculates a company's Complaint Index by comparing the number of complaints filed against the company to its market share. The NAIC uses 1.00 to represent a typical company's Complaint Index, meaning companies with scores higher than 1.00 receive more complaints than expected.

J.D. Power U.S. Home Insurance Study - Renters Insurance: This study ranks renters insurance companies based on customer feedback.

ValuePenguin Editor's Rating: Our editors analyze companies based on their rates, coverage offering and customer service. This gives an overall feel for the kind of company protecting your property.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.