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.
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.
This report highlights how premiums change across counties based on risk factors such as population density, accident frequency, and claim severity. While minimum coverage meets legal requirements, many drivers choose higher limits to better protect assets and reduce financial exposure. For a broader explanation of how coverage choices impact pricing, see our Ohio car insurance guide.
Carrier & Coverage Mix
| Carrier | Policies | Share |
|---|---|---|
| Progressive | 8 | 47.1% |
| National General | 8 | 47.1% |
| Geico | 1 | 5.9% |
Ohio drivers often relocate or compare coverage with nearby states in the Midwest. Differences in liability limits, claim environments, and insurance systems can impact pricing. For example, drivers moving north may want to review Michigan insurance, which has a very different no fault system compared to Ohio’s at fault structure.
Ohio Snapshot
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 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.
- 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.
Insurance pricing in Ohio can vary significantly depending on the carrier, especially for drivers with tickets, accidents, or lapses in coverage. Some companies specialize in non standard or higher risk drivers. Options many shoppers compare include Bristol West Insurance and Dairyland Insurance, both of which may offer flexible underwriting for drivers who do not qualify for preferred rates.
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.
| Insurance Company | Policies | Share |
|---|---|---|
| Progressive | 8 | 47.1% |
| National General | 8 | 47.1% |
| Geico | 1 | 5.9% |
Ohio Snapshot
A quick baseline for Ohio insurance rates in this report. Then compare counties below.
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.
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.
- 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.
| County | Policies | Avg / Month | Low | High |
|---|---|---|---|---|
| Cuyahoga County, OH | 4 | $169.16 | $86.31 | $294.48 |
| Athens County, OH | 2 | $50.50 | $39.50 | $61.50 |
| Scioto County, OH | 2 | $44.25 | $27.00 | $61.50 |
| Franklin County, OH | 1 | $223.33 | $223.33 | $223.33 |
| Adams County, OH | 1 | $134.83 | $134.83 | $134.83 |
| Fairfield County, OH | 1 | $130.63 | $130.63 | $130.63 |
| Stark County, OH | 1 | $113.56 | $113.56 | $113.56 |
| Lorain County, OH | 1 | $100.42 | $100.42 | $100.42 |
| Summit County, OH | 1 | $99.06 | $99.06 | $99.06 |
| Allen County, OH | 1 | $98.04 | $98.04 | $98.04 |
| Tuscarawas County, OH | 1 | $68.83 | $68.83 | $68.83 |
| Mahoning County, OH | 1 | $55.16 | $55.16 | $55.16 |
For additional insight into Ohio pricing trends and coverage options, review our Ohio car insurance guide, compare regional differences with Michigan insurance, and explore alternative carrier options such as Bristol West Insurance and Dairyland Insurance.
