Auto Insurance Basics

Ohio Drivers Have the Best Rates in the Region for Car Insurance

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 

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. 

Graph showing how the top five least expensive cities in Ohio for auto insurance stack up

Most Expensive Cities 

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.

Graph showing how the top five most expensive cities in Ohio for auto insurance stack up

How Does Ohio Compare to Neighboring States? 

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: Cheapest of the Region

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. 

graph shows how ohio compares in auto insurance to neighbor states

Columbus: The Best Major City for Car Insurance in the Region

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. 

Graph showing how the major city in the rust belt compare for auto insurance

Buckeyes Have the Edge Over Wolverines 

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. 

Graph showing auto insurance costs between Columbus and Ann Arbor

How Cost Differs by Place In Ohio

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 
1 1 Findlay $1,012 -18%
2 2 Van Wert $1,034 -16%
3 3 Bowling Green $1,038 -16%
4 4 Mansfield $1,059 -14%
5 5 Brunswick $1,059 -14%
6 6 Marion $1,083 -12%
7 7 New London $1,084 -12%
8 8 Wellington $1,086 -12%
9 9 Mentor $1,101 -11%
10 10 Cuyahoga Falls $1,102 -11%
11 11 Elyria $1,103 -11%
12 12 Lima $1,104 -11%
13 13 Stow $1,114 -10%
14 14 Tipp City $1,115 -10%
15 15 Strongville $1,119 -9%
16 16 Kettering $1,123 -9%
17 17 Beavercreek $1,131 -8%
18 18 Lorain $1,149 -7%
19 19 Delaware $1,150 -7%
20 20 Lancaster $1,155 -7%
21 21 Middletown $1,156 -7%
22 22 Athens $1,166 -6%
23 23 Newark $1,175 -5%
24 26 Massillon $1,181 -4%
25 27 Fairfield $1,184 -4%
26 28 Parma $1,188 -4%
27 32 Hamilton $1,198 -3%
28 40 Austintown $1,213 -2%
29 41 Warren $1,222 -1%
30 43 Springfield $1,228 -1%
31 46 Boardman $1,233 0%
Ohio Average  $1,236 0%
32 51 Canton $1,254 1%
33 55 Huber Heights $1,262 2%
34 58 Westerville $1,272 3%
35 67 Dublin $1,303 5%
36 69 Akron $1,303 5%
37 70 Dayton $1,310 6%
38 72 Hilliard $1,313 6%
39 73 Grove City $1,315 6%
40 75 Upper Arlington $1,322 7%
41 82 Gahanna $1,328 7%
42 83 Reynoldsburg $1,329 8%
43 95 Columbus $1,365 10%
44 99 Cincinnati $1,371 11%
45 120 Toledo $1,419 15%
46 133 North Royalton $1,463 18%
47 135 Westlake $1,464 18%
48 138 Euclid $1,481 20%
49 147 Cleveland Heights $1,531 24%
50 149 Lakewood $1,550 25%
51 155 Youngstown $1,586 28%
52 172 Cleveland $1,674 35%

How We Conducted This Study

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 TypeOhio MinimumStudy (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 
None
$50,000 per accident 
Personal Injury Protection (PIP) None None
Comprehensive & Collision None  $500 Deductible 

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