Arizona vs Ohio Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Ohio is $580/yr cheaper on average.

Fewer Uninsured

Arizona has a lower uninsured rate (11.8% vs 12.4%).

Rate & Coverage Comparison

Attribute	Arizona	Ohio
Avg Annual Premium	$1,870	$1,290
Min Liability	$620	$420
Full Coverage	$1,870	$1,290
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.8%	12.4%
Registered Vehicles	5,968,780	9,675,180
Accidents/Year	89,531	145,127
Population	7,279,000	11,799,000

Minimum Coverage Requirements

Arizona

25/50 / 15 liability

Ohio

25/50 / 25 liability

Premium Comparison

Arizona$620 – $1,870

Liability: $620Avg: $1,870Full: $1,870

Ohio$420 – $1,290

Liability: $420Avg: $1,290Full: $1,290

ArizonaFull rates, age breakdown, requirements →OhioFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arizona or Ohio?

Ohio has cheaper car insurance, with an average annual premium of $1,290 compared to $1,870 in Arizona - a difference of $580 per year.

How do Arizona and Ohio compare on fault systems?

Arizona uses a at-fault (tort) system while Ohio uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Arizona vs Ohio?

Arizona requires 25/50 / 15 liability. Ohio requires 25/50 / 25 liability. Minimum liability costs $620/yr in Arizona and $420/yr in Ohio.

Which state has more uninsured drivers, Arizona or Ohio?

Ohio has a higher uninsured driver rate at 12.4%, compared to 11.8% in Arizona. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arizona vs Ohio insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Arizona

Ohio

Avg Annual Premium

$1,870

$1,290

Min Liability

$620

$420

Full Coverage

$1,870

$1,290

Fault System

At-Fault (Tort)

Uninsured Rate

11.8%

12.4%

Registered Vehicles

5,968,780

9,675,180

Accidents/Year

89,531

145,127

Population

7,279,000

11,799,000