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Auto insurance rates, minimum coverage requirements, and driver statistics for Ohio (OH).
Avg Annual Premium
$1,290
$436 below national avg
Cost Rank
#45
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
12.4%
of drivers
Min Liability
$420/yr
Legal minimum
Average Premium
$1,290/yr
State average
Full Coverage
$1,290/yr
Comprehensive + Collision
Ohio requires:
25/50 / 25 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $3,483 | $3,934 | $3,032 |
| 20-25 | $2,322 | $2,580 | $2,064 |
| 26-35 | $1,419 | $1,483 | $1,354 |
| 36-45 | $1,290 | $1,316 | $1,264 |
| 46-55 | $1,226 | $1,251 | $1,200 |
| 56-65 | $1,187 | $1,213 | $1,161 |
| 65+ | $1,354 | $1,393 | $1,316 |
Rates shown are annual averages for each age group in Ohio. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Ohio | National Avg |
|---|---|---|
| Average Annual Premium | $1,290 | $1,726 |
| Uninsured Rate | 12.4% | 11.1% |
| Registered Vehicles | 9,675,180 | 5,330,804 |
| Accidents per Year | 145,127 | 79,962 |
Population
11,799,000
Registered Vehicles
9,675,180
Accidents per Year
145,127
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.