Ohio vs Texas Car Insurance

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

Quick Verdict

More Affordable

Ohio is $650/yr cheaper on average.

Fewer Uninsured

Ohio has a lower uninsured rate (12.4% vs 14.1%).

Rate & Coverage Comparison

Attribute	Ohio	Texas
Avg Annual Premium	$1,290	$1,940
Min Liability	$420	$640
Full Coverage	$1,290	$1,940
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	12.4%	14.1%
Registered Vehicles	9,675,180	23,899,720
Accidents/Year	145,127	358,495
Population	11,799,000	29,146,000

Minimum Coverage Requirements

Ohio

25/50 / 25 liability

Texas

30/60 / 25 liability

Premium Comparison

Ohio$420 – $1,290

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

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

OhioFull rates, age breakdown, requirements →TexasFull 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, Ohio or Texas?

Ohio has cheaper car insurance, with an average annual premium of $1,290 compared to $1,940 in Texas - a difference of $650 per year.

How do Ohio and Texas compare on fault systems?

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

What are the minimum insurance requirements in Ohio vs Texas?

Ohio requires 25/50 / 25 liability. Texas requires 30/60 / 25 liability. Minimum liability costs $420/yr in Ohio and $640/yr in Texas.

Which state has more uninsured drivers, Ohio or Texas?

Texas has a higher uninsured driver rate at 14.1%, compared to 12.4% in Ohio. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Ohio vs Texas 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

Ohio

Texas

Avg Annual Premium

$1,290

$1,940

Min Liability

$420

$640

Full Coverage

$1,290

$1,940

Fault System

At-Fault (Tort)

Uninsured Rate

12.4%

14.1%

Registered Vehicles

9,675,180

23,899,720

Accidents/Year

145,127

358,495

Population

11,799,000

29,146,000