Car Insurance for Age 20-25 in Ohio

Average auto insurance rates for 20-25 year old drivers in Ohio (OH), including male vs female rate comparison.

Avg Annual Rate

$2,322

$785 below national avg

Male Rate

$2,580/yr

Female Rate

$2,064/yr

Cost Rank

#45

of 51 states

Male vs Female Rates — Age 20-25 in Ohio

Gender	Annual	Monthly	vs Average
Male	$2,580	$215	+$258
Female	$2,064	$172	$-258
Average	$2,322	$194	—

Male drivers aged 20-25 pay $516 more per year in Ohio.

All Age Groups in Ohio

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

Most & Least Expensive States for Age 20-25

Most Expensive

#1	Michigan	$4,860
#2	Louisiana	$4,680
#3	Florida	$4,500
#4	New York	$4,176
#5	Kentucky	$3,960
#6	Colorado	$3,780
#7	Georgia	$3,780
#8	California	$3,726
#9	Nevada	$3,726
#10	Oklahoma	$3,654

Least Expensive

#51	Maine	$1,620
#50	Vermont	$1,800
#49	New Hampshire	$1,890
#48	Idaho	$1,980
#47	Hawaii	$2,286
#46	Wisconsin	$2,304
#45	Ohio	$2,322
#44	North Carolina	$2,430
#43	Iowa	$2,430
#42	North Dakota	$2,448

Ohio Insurance Overview

State Avg Premium

$1,290/yr

Fault System

At-Fault (Tort)

Uninsured Rate

12.4%

📊

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

How much does car insurance cost for age 20-25 in Ohio?

The average annual car insurance premium for 20-25 year olds in Ohio is $2,322 (about $194/month). This is $785 below the national average of $3,107 for this age group.

Do males or females pay more for car insurance at age 20-25 in Ohio?

In Ohio, male drivers aged 20-25 pay more — $2,580/yr for males vs $2,064/yr for females, a difference of $516 per year.

How does Ohio rank for age 20-25 insurance costs?

Ohio ranks #45 out of 51 states for car insurance costs for 20-25 year olds (most expensive first). The cheapest state for this age group is Maine at $1,620/yr, while Michigan is the most expensive at $4,860/yr.

Why is car insurance cheaper for age 20-25 in Ohio?

Insurance rates for 20-25 year olds in Ohio are influenced by the state's at-fault (tort) system, local accident rates (145,127/yr), uninsured driver rate (12.4%), and population density. Ohio has 9,675,180 registered vehicles.

How can 20-25 year olds save on car insurance in Ohio?

20-25 year olds in Ohio can save by: comparing quotes from multiple insurers (Erie Insurance is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 20-25 Rates in Other States

Michigan Louisiana Florida New York Kentucky Colorado Georgia California Nevada Oklahoma South Carolina New Jersey Texas Rhode Island Delaware Alabama Arizona Maryland Arkansas District of Columbia All Ages in Ohio→

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity