In this study we focus on the Buckeye State--Ohio. America's 10th most populated state has numerous cities located across its diverse geography leading to several flucuations in auto insurance prices across the state. We found from our analysis the statewide average yearly premium was $1,236 for our sample driver. The most expensive was Cleveland which was 35% more expensive than the state average, while the least expensive was Findlay which was 18% lower than the state average. Compared to the five border states of Michigan, Indiana, Kentucky, West Virginia and Pennsylvania, Ohio has the best rates. The statewide average in Ohio is 12% less than Indiana and 85% less than Michigan--who pays the highest.
Table of Contents
- Least Expensive Cities
- Most Expensive Cities
- How Does Ohio Compare to Neighboring States
- Ohio: Cheapest of the Region
- Columbus: The Best Major City for Car Insurance
- Buckeye Drivers Pay Less than Wolverine Drivers
- List of All Cities
- How We Conducted This Study
The least expensive cities in Ohio all come from the northern part of the state. They are generally small cities/large towns, and are generally far away from the state's larger cities. They ranged from 18% to 14% less expensive than the state average.
As we have seen in other states, the most expensive cities tend to congregate around a major city, in Ohio's case, Cleveland. Four of the five most expensive cities in our study reside within 10 miles of the city. They range from small to medium in size.
Ohio is interesting in that it is bordered by five states. Making up the eastern front of the mid-west is Ohio, Michigan, Indiana, West Virginia, Pennsylvania and Kentucky. Despite sharing many similar characteristics, the price of insurance varies greatly between these bordering states.
Ohio has the least expensive auto insurance average statewide of the six neighboring states. Even Ohio's most expensive city, Cleveland, with an average premium of $1,674, could not surpass the state average of three of the remaining five states. In fact, the least expensive city in both West Virginia and Michigan were more expensive than Cleveland. Overall, there are 115 cities and towns within this 6 state region that are more expensive than Cleveland. Of the 335 total cities we explored within these six states, 23 of the first 25 least expensive cities are located in Ohio.
The cities below are the most populous in each state, and once more Ohio is the least expensive in the region. Columbus, despite being the 2nd largest city of the six, as well as having a higher than normal young population is 12% less expensive than the next most expensive.
On the odd years when Michigan hosts the big game, Buckeye fans driving up to Ann Arbor can rejoice that they are paying less for their car insurance their their Wolverine counterparts. Ann Arbor students can be paying 38% more per year.
In this study we analyzed 52 cities and towns across Ohio where we found a statewide average of $1,236 per year -- based on our sample driver. The least expensive cities came mostly from northwest Ohio, while the most expensive came from the northeast, around Cleveland.
|Ohio Ranking||Regional Rank (/335)||City||Average Premium||Percent Difference From Average|
We collected quotes from a variety of insurance companies across 52 towns and cities in Ohio. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Ohio. For the neighboring states we conducted the same procedure for the same type of driver. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. Below you can see the state required limits as well as the coverage used in our study.
|Coverage Type||Ohio Minimum||Study (including Neighbor states) Limits|
|Bodily Liability||$25,000 per person / $50,000 per accident||$50,000 per person/ $100,000 per accident|
|Property Damage||$25,000 per accident||$50,000 per accident|
|Uninsured/Underinsured Motorist BI||None||$50,000 per person/ $100,000 per accident|
|Uninsured/Underinsured Motorist Property||
|$50,000 per accident|
|Personal Injury Protection (PIP)||None||None|
|Comprehensive & Collision||None||$500 Deductible|