We studied renters insurance rates for a sample policy that included $30,000 in coverage in 132 cities in the state of Ohio in order to determine which cities had the highest and best annual renters insurance costs. Based on our study, Ohio renters pay on average $269 per year for their renters insurance. Renters insurance prices in Ohio vary by 58% between the cities in our study. Below, we profile the most and least expensive cities in Ohio for renters insurance. Read more about our findings, or use our quote tool above to find renters insurance quotes in your area.
- Cheapest Renters Insurance Companies in Ohio
- Top 5 Best Cities for Renters Insurance In Ohio
- Top 5 Most Expensive Cities for Renters Insurance in Ohio
Cheapest Renters Insurance Companies in Ohio
We collected quotes for our sample residence across 132 cities from State Farm, Farmers, Allstate, Liberty Mutual and Nationwide. Quotes from each company were averaged to find which insurance companies had the best renters insurance rates in Ohio. The graph below shows the average annual costs to insure our sample residence by company alongside the state average:
Top 5 Best Cities for Renters Insurance in Ohio
1. Van Wert, OH
Van Wert is a small city in Ohio located in the state’s northwest corner. The city experienced rapid growth due to its proximity to two railroad lines and the discovery of oil in the area. Most residents of Van Wert are employed in the manufacturing of farm tools.
Van Wert has the best renters insurance rates in Ohio. Residents of Van Wert pay an average annual renters insurance rate of $219, which is 18% less than the state average. Based on our study, Liberty Mutual and Nationwide provide the most affordable rates in Van Wert with annual rates of $161 and $168, respectively.
2. Stow, OH
Stow is a city in Ohio located approximately eight miles northeast of Akron. Stow boasts over 410 acres of parks and over 11 miles of hiking and biking trails. The biggest industries in stow are professional products and services and metals and machining. Together, the two industries account for 70% of the city’s workforce.
Stow boasts the second best renters insurance rates in the state. Our research found that the average annual cost for renters insurance in Stow was $221, which is 18% less than the state average. State Farm offered the most affordable quote by a margin of $9. Farmers and Allstate were the only insurance companies in the city that offered rates that were greater than the state average.
3. Zanesville, OH
Zanesville is located alongside the Muskingum River and east of Columbus. Zaneville’s residents are able to enjoy the city’s proximity to Interstate 70. The interstate runs across a large portion of the country and connects to major cities, including Denver, Baltimore and Indianapolis.
Zanesville is the third best city for renters insurance in Ohio. On average, residents of Zanesville pay $226 per year for their renters insurance, which represents a rate that is $43 less than the state mean. Liberty Mutual and Nationwide offered rates that were within $5 of each other and also offered the best renters insurance rates in the city at $161 and $166 annually, respectively.
4. Westlake, OH
The city of Westlake is small, encompassing just over 15 square miles of land. Despite its size, the city has several higher education institutions located near it, namely Cleveland State University and Corporate College West. Although, Cleveland State University’s campus is a satellite branch of the main campus.
Westlake ranks as the fourth best city for renters insurance in Ohio. The average annual renters insurance rate in the city is $230, which is 15% cheaper than the state average. We recommend comparing quotes from State Farm and Nationwide as they offered the lowest rates in the city. Allstate offered the highest renters insurance rate in the city by $100.
5. Steubenville, OH
Steubenville is located alongside the Ohio-West Virginia border. The city is widely referred to as the City of Murals thanks to its 25 large paintings spread throughout the city’s blocks. The city’s newest mural spans over 70 feet wide. The painting is a depiction of Abraham Lincoln in a telegraph office.
If you’re looking for the best renters insurance in Steubenville, we recommend starting with Liberty Mutual, which quoted our sample policy an annual rate of $161. State Farm offered a slightly higher rate at $186, which is $25 greater. Based on our study, Steubenville is the fifth cheapest city for renters insurance in Ohio.
Top 5 Most Expensive Cities for Renters Insurance in Ohio
1. Bryan, OH
Bryan was originally established in 1988, but has since undergone beautification projects. The most recent project was undertaken by the city in 1978. Over half of the city’s population lives in rural areas. Despite its largely rural population, residents of Bryan have nearby access to Toledo Express Airport.
Bryan is ranked as the least affordable city for renters insurance in Ohio. On average, residents pay $347 per year for renters insurance, which is 29% greater than the state mean. The most affordable rate was offered by Liberty Mutual at an annual cost of $161. Farmers offered the least affordable rate at $708, which is $547 greater than Liberty Mutual’s quote.
2. Ashtabula, OH
The city of Ashtabula is located along the southern coastline of Lake Erie. Ashtabula benefits from being centrally located to two major cities, Cleveland and Erie. The city is home to Kent State University at Ashtabula, which was founded in 1958 and offers 27 associate and bachelor degree programs.
The cheapest renters insurance rate in Ashtabula was offered by Nationwide by a margin of only $14. The next most affordable insurance company in the city was Liberty Mutual. Ashtabula ranks as the second least affordable city for renters insurance in the state of Ohio. Residents pay an average annual cost of $345 for renters insurance.
3. Wooster, OH
Wooster is located nearly centrally between Columbus and Cleveland. The city is located within Wayne County’s limits. The county is the thirteenth largest in the state and covers over 500 square miles. The city of Wooster serves as the county seat.
Based on our research, annual renters insurance quotes in Wooster vary by $479. Wooster ranks as the third most expensive city for renters insurance in the state. On average, residents pay $322 per year, which is 20% greater than the state mean. Farmers is the least affordable insurance company in the city by a margin of $310. Farmers offered an annual renters insurance rate of $647.
4. Willoughby, OH
The city of Willoughby has a long and convoluted history. In fact, the city had two names prior to Willoughby, Charlton and Chagrin. Furthermore, Willoughby has belonged to six counties. Willoughby was originally settled by a graduate of Yale College named David Abbott.
Based on our study, Willoughby ranks as the fourth most expensive city for renters insurance in the state. On average, Willoughby residents pay $316 per year for renters insurance, which is 17% greater than the state average. Renters insurance rates in Willoughby vary by $420.
5. Massillon, OH
Massillon is a small city in Ohio with a history of floods. Prior to the 1950s the city would flood every spring, which would have a huge impact on the city’s business district. In 1939, city officials put a plan in place to control the city’s flood problems with viaducts. The project was completed behind schedule in 1951.
State Farm quoted the least expensive renters insurance rate in Massillon at $144 per year, which is $229 less than Liberty Mutual’s quote of $373. Based on our study, State Farm is the best insurance company in the city. The city of Massillon ranks as the fifth worst for renters insurance rates in Ohio. Residents pay $32 more per year than the state average.
We studied 132 cities, spread out geographically throughout the state of Ohio. The sample renters insurance policy we gathered quotes for included $30,000 of coverage. Quotes were obtained from State Farm, Farmers, Allstate, Liberty Mutual and Nationwide insurance companies. The rates were then averaged to arrive at a mean for each city. We’ve displayed all cities with the average annual cost of insurance for our benchmark policy and how much each city costs relative to the statewide average.
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