Ohio Auto Insurance Rates
Median premium: $564/6mo across 12 carriers and 1,416 ZIP codes.
Premiums range from $346 to $1,299 — a 3.8x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$564
per 6 months
ZIP Codes
1,416
with rate data
Carriers
12
rated in OH
Price Spread
3.8x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Progressive | $406 | 1,416 ZIPs | 100% | |
| 2 | USAA | $416 | 0 ZIPs | 0% | |
| 3 | Erie Insurance | $491 | 0 ZIPs | 0% | |
| 4 | Auto-Owners | $520 | 0 ZIPs | 0% | |
| 5 | State Farm | $532 | 0 ZIPs | 0% | |
| 6 | American Family | $549 | 0 ZIPs | 0% | |
| 7 | GEICO | $578 | 0 ZIPs | 0% | |
| 8 | Farmers | $624 | 0 ZIPs | 0% | |
| 9 | Nationwide | $636 | 0 ZIPs | 0% | |
| 10 | Travelers | $647 | 0 ZIPs | 0% | |
| 11 | Liberty Mutual | $665 | 0 ZIPs | 0% | |
| 12 | Allstate | $751 | 0 ZIPs | 0% |
1
$406Progressive#1 in 1,416 ZIPs (100%)
2
$416USAA#1 in 0 ZIPs (0%)
3
$491Erie Insurance#1 in 0 ZIPs (0%)
4
$520Auto-Owners#1 in 0 ZIPs (0%)
5
$532State Farm#1 in 0 ZIPs (0%)
6
$549American Family#1 in 0 ZIPs (0%)
7
$578GEICO#1 in 0 ZIPs (0%)
8
$624Farmers#1 in 0 ZIPs (0%)
9
$636Nationwide#1 in 0 ZIPs (0%)
10
$647Travelers#1 in 0 ZIPs (0%)
11
$665Liberty Mutual#1 in 0 ZIPs (0%)
12
$751Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Ohio
| City | Avg Median | ZIPs |
|---|---|---|
| Alvada | $346 | 1 |
| Arcadia | $346 | 1 |
| Attica | $346 | 1 |
| Bascom | $346 | 1 |
| Bellevue | $346 | 1 |
Most Expensive Cities in Ohio
| City | Avg Median | ZIPs |
|---|---|---|
| Solon | $950 | 1 |
| Maple Heights | $950 | 1 |
| Beachwood | $950 | 1 |
| Wickliffe | $950 | 1 |
| Toledo | $905 | 32 |
ZIP Code Extremes
Most Expensive ZIP
$974/6mo
44073 (Novelty)
Cheapest ZIP
$346/6mo
44802 (Alvada)
3.8x
Price Spread
The most expensive ZIP in Ohio costs 3.8x more than the cheapest. Your ZIP code matters more than you think.
Ohio Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Ohio
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Access ZIP-level rate data across all 12 carriers, 1,416 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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