Ohio Auto Insurance Rates Report – Real 2024–2025 Policies

Ohio Auto Insurance
Rates & Coverage Report

Real policy outcomes from 2024–2025 that help Ohio drivers compare insurance rates by county, understand liability insurance vs full coverage, and see how month-to-month pricing can vary.

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Data: 17 policies • 12 Ohio counties • 2024–2025

Ohio Summary

This Ohio report draws from 17 sold policies across 12 counties — a specialty-heavy book where non-owners coverage accounts for 76% of the Ohio dataset. Ohio is a state where our agency’s niche — SR-22, non-owners, compliance-focused coverage — is well-represented; our Ohio clients primarily need license reinstatement coverage or financial responsibility compliance rather than standard full coverage auto.

The average premium is $111.18, with a median of $99.06. The range runs from $27.00 (Scioto County, likely minimum-level non-owners) to $294.48 (Cuyahoga County, likely SR-22 or violation-impacted non-owners in Cleveland). Franklin County (Columbus) shows $223.33 on a single policy — again likely a high-risk profile rather than representative of standard Columbus auto insurance.

Cuyahoga County leads with 4 policies and the dataset’s widest spread (241%) — Cleveland’s large urban market generates diverse risk profiles that span from modest compliance policies to more complex, high-premium situations.

Carrier & Coverage Mix

Policies by Carrier
CarrierPoliciesShare
Progressive847.1%
National General847.1%
Geico15.9%
An even split between Progressive and National General — both are strong Ohio non-owners carriers. National General is particularly competitive for Ohio non-owners SR-22 filings. Geico’s single appearance reflects a specific competitive window for that driver’s profile.
Coverage Type Mix
Non-owners accounts for 76% of our Ohio book — the highest non-owners concentration of any state in this series. This is a direct reflection of our Ohio client profile: drivers pursuing SR-22 compliance and license reinstatement, predominantly without a vehicle.

Ohio Snapshot

Average Monthly Premium
$111.18
17 policies, 12 counties
Median Monthly Premium
$99.06
Better central estimate
Lowest Observed Rate
$27.00
Scioto County
Highest Observed Rate
$294.48
Cuyahoga County
⚡ Non-Owners Rate Range: $27–$294/mo

The full $27–$294 spread is almost entirely within non-owners policies. This reflects how dramatically driver history affects non-owners pricing — a clean-record driver getting minimum compliance coverage can pay $27/month, while a driver with multiple violations or a recent DUI on SR-22 may pay $250+/month for the same product type.

📌 Cuyahoga Most Reliable (4 Policies)

Cuyahoga County (Cleveland metro) leads with 4 policies averaging $169.16 — the most data-rich county in the dataset. The $86.31–$294.48 spread reflects the Cleveland market’s diversity of risk profiles within our specialty client base.

Key Takeaways
  • Franklin County (Columbus): $223.33 single policy — Ohio’s capital and largest city; this is a high-risk profile, not typical Columbus non-owners pricing.
  • Cuyahoga County (Cleveland): $86.31–$294.48 across 4 policies — most data depth, widest spread, diverse urban market.
  • Adams County: $134.83 single policy — rural southern Ohio; higher than expected, likely a violations-impacted profile.
  • Scioto County (Portsmouth area): $27.00–$61.50 across 2 policies — some of the most affordable compliance coverage in our Ohio dataset, southern Ohio Appalachian region.
  • Athens County (Ohio University): $39.50–$61.50 across 2 policies — college market, modest compliance profiles.
  • Northeast Ohio (Summit, Lorain, Mahoning, Stark): Range of $55–$113 — Youngstown, Akron, Canton, Lorain markets, broadly consistent mid-tier pricing.

Carrier Distribution

This shows which insurance companies appear most often in the Ohio policies included here. Your personal insurance quote can differ based on driver, vehicle, credit, violations, accidents, and underwriting.

Policies by Insurance Company
Insurance Company Policies Share
Progressive847.1%
National General847.1%
Geico15.9%
Policy service guidance: high risk cases (DUI, sr22 insurance, multiple violations, recent accidents) can shift which carriers will quote.
Coverage Type Mix
Mix includes liability only, full coverage auto insurance, and non owners coverage (vehicle insurance).

Ohio Snapshot

A quick baseline for Ohio insurance rates in this report. Then compare counties below.

Average Monthly Premium
$111.18
Across all included policies
Median Monthly Premium
$99.06
Middle of the distribution
Lowest Observed Rate
$27.00
Cheapest in dataset
Highest Observed Rate
$294.48
Highest in dataset
⚡ Price Range: $27.00/mo → $294.48/mo

The observed statewide spread in this dataset is 990.7%. That gap is why it helps to compare coverage options, deductible choices, and carriers instead of guessing.

📌 Information Read

This is internal policy data (not public filings). Use it as guidance to understand what’s possible in Ohio, not as a guaranteed price estimate.

Key Takeaways
  • Highest average county premium: Franklin County ($223.33/mo).
  • Highest average county premium (2+ policies): Cuyahoga County ($169.16/mo).
  • Lowest average county premium: Scioto County ($44.25/mo).
  • Largest within-county spread (2+ policies): Cuyahoga County (241% gap between low and high).

County Pricing

All county data stays on one page (no repeated county boxes). Use this to compare counties quickly.

Average Monthly Premium by County
County averages are based on the policies in each county. Counties with one policy will match that single policy.
County Table
County Policies Avg / Month Low High
Cuyahoga County, OH4$169.16$86.31$294.48
Athens County, OH2$50.50$39.50$61.50
Scioto County, OH2$44.25$27.00$61.50
Franklin County, OH1$223.33$223.33$223.33
Adams County, OH1$134.83$134.83$134.83
Fairfield County, OH1$130.63$130.63$130.63
Stark County, OH1$113.56$113.56$113.56
Lorain County, OH1$100.42$100.42$100.42
Summit County, OH1$99.06$99.06$99.06
Allen County, OH1$98.04$98.04$98.04
Tuscarawas County, OH1$68.83$68.83$68.83
Mahoning County, OH1$55.16$55.16$55.16
If your county shows a wide low-to-high range, it’s usually worth refreshing quotes and comparing insurance companies.

Frequently Asked Questions — Ohio Auto Insurance

What does auto insurance cost in Ohio based on real sold policies?

From our 17 sold policies across 12 Ohio counties in 2024–2025, the average monthly premium is $111.18 with a median of $99.06. Premiums ranged from $27.00 (Scioto County — minimum-level non-owners) to $294.48 (Cuyahoga County — high-risk non-owners in the Cleveland market). It’s important to note that 13 of our 17 Ohio policies are non-owners coverage — so our average reflects a compliance-focused book rather than standard full coverage auto. Cuyahoga County (Cleveland) was our most data-rich county with 4 policies averaging $169.16, while rural southern counties like Athens and Scioto averaged $44–$50. For standard full coverage in Ohio’s major metros, expect premiums in the $120–$250/month range depending on vehicle and driver profile.

How long is the SR-22 requirement after an OVI in Ohio?

Ohio has one of the longest SR-22 requirements in the country. After an OVI (Operating a Vehicle Impaired — Ohio’s term for DUI), the SR-22 period is typically 5 years from the date of license reinstatement. Most other states require 3 years. For non-OVI violations — reckless operation, driving uninsured, or other serious offenses — the period is generally 3 years. The extended 5-year window makes it critically important to find an affordable, stable carrier that can maintain your SR-22 file for the full duration without rate increases that become unsustainable. Progressive and National General, which tie at 8 policies each in our Ohio book, both handle Ohio OVI SR-22 filings and are competitive for multi-year compliance coverage.

What is OVI in Ohio, and how is it different from DUI?

OVI stands for Operating a Vehicle Impaired — Ohio’s legal term for what most other states call DUI (Driving Under the Influence) or DWI (Driving While Intoxicated). The charge, legal consequences, and insurance consequences are essentially equivalent to a DUI in other states — license suspension, mandatory SR-22 filing, and significantly elevated premiums. The important Ohio-specific difference is the 5-year SR-22 requirement for OVI convictions, compared to the 3-year standard most other states impose. Insurance companies treat Ohio OVI convictions the same way they treat DUI in other states: as a high-risk indicator that elevates your premium substantially for the duration of the filing period and beyond.

What are Ohio’s minimum auto insurance requirements?

Ohio requires 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Ohio is a tort (at-fault) state with no mandatory PIP. Uninsured motorist coverage is offered with every Ohio policy but can be declined in writing — given Ohio’s uninsured driver rate of approximately 12–14%, keeping at least minimum UM coverage is generally advisable. Ohio’s minimum requirements are identical to Indiana’s, Missouri’s, and several other Midwestern neighbors. Drivers under Ohio SR-22 or OVI-related compliance must maintain at least these minimums continuously throughout the entire filing period; lapsing coverage is reported to the Ohio BMV and can trigger immediate license re-suspension.

Can I get non-owners insurance in Ohio for SR-22 compliance?

Yes — non-owners insurance is the dominant product in our Ohio book. 13 of our 17 Ohio policies are non-owners coverage, making it by far our most common Ohio product. A non-owners policy provides liability coverage for you as a named driver on any vehicle you don’t own — it satisfies Ohio’s financial responsibility requirement and supports SR-22 filing without you needing to own or register a vehicle. Rates in our dataset ranged from $27.00 to $294.48 per month, with the spread driven entirely by driver risk profiles rather than geography. Clean-record drivers in rural Ohio can get basic non-owners compliance for as little as $27–$50/month. Drivers with OVI or multiple violations pay significantly more — our Cuyahoga County non-owners policies ran up to $294.48, reflecting the elevated-risk Cleveland market.

Is insurance more expensive in Cleveland than in Columbus or Akron?

Among our three most data-represented Ohio metros, Franklin County (Columbus) showed the highest single-policy premium at $223.33, while Cuyahoga County (Cleveland) averaged $169.16 across 4 policies. Summit County (Akron) came in at $99.06 on a single policy. All three figures are non-owners policies, so they reflect driver risk profiles more than straight geographic pricing. For standard full coverage auto, Columbus and Cleveland run comparably in the $150–$250+ range depending on ZIP code and vehicle, with Cleveland’s urban core slightly higher due to vehicle theft rates. Akron and Canton typically run slightly below Cleveland levels. Northeast Ohio’s post-industrial cities (Youngstown/Mahoning, Canton/Stark, Lorain) generally fall in the $80–$160/month range for standard full coverage on mid-tier vehicles.

Ready to Compare Rates in Ohio?

Call or start online — no pressure. We’ll help you compare liability insurance, full coverage, or non owners options and get proof of insurance.

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Jayleen Ridgeway - Marketing Manager

Jayleen Ridgeway

Marketing Manager| 9 Years of Digital and Marketing Strategy

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.
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