New York vs Ohio Car Insurance

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

Quick Verdict

More Affordable

Ohio is $1,030/yr cheaper on average.

Fewer Uninsured

New York has a lower uninsured rate (6.1% vs 12.4%).

Rate & Coverage Comparison

Attribute	New York	Ohio
Avg Annual Premium	$2,320	$1,290
Min Liability	$760	$420
Full Coverage	$2,320	$1,290
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.1%	12.4%
Registered Vehicles	16,564,819	9,675,180
Accidents/Year	248,472	145,127
Population	20,201,000	11,799,000

Minimum Coverage Requirements

New York

25/50 / 10 liability

Ohio

25/50 / 25 liability

Premium Comparison

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

Ohio$420 – $1,290

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

New YorkFull 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, New York or Ohio?

Ohio has cheaper car insurance, with an average annual premium of $1,290 compared to $2,320 in New York - a difference of $1,030 per year.

How do New York and Ohio compare on fault systems?

New York uses a no-fault system while Ohio uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in New York vs Ohio?

New York requires 25/50 / 10 liability. Ohio requires 25/50 / 25 liability. Minimum liability costs $760/yr in New York and $420/yr in Ohio.

Which state has more uninsured drivers, New York or Ohio?

Ohio has a higher uninsured driver rate at 12.4%, compared to 6.1% in New York. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the New York 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

New York

Ohio

Avg Annual Premium

$2,320

$1,290

Min Liability

$760

$420

Full Coverage

$2,320

$1,290

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.1%

12.4%

Registered Vehicles

16,564,819

9,675,180

Accidents/Year

248,472

145,127

Population

20,201,000

11,799,000