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Buying home and auto insurance in Ohio – what you need to know

Purchasing home insurance or car insurance in Ohio doesn’t have to be complicated. Below, we answer some common questions about the cost of insurance in Ohio, finding the right insurance companies for you in Ohio, and requirements and laws related to Ohio insurance coverage.

Quick facts about Ohio insurance

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Top insurance companies in Ohio

Home insurance

  • Travelers
  • Branch
  • Grange
  • Safeco
  • National General
  • CSAA
  • Lemonade

Car insurance

  • Travelers
  • Branch
  • Progressive / ASI
  • Safeco
  • Grange
  • Clearcover
  • National General
Average cost of home insurance in Ohio
$1,149 per year
Average home insurance Coverage A in Ohio
Average home insurance deductible in Ohio
Average cost of car insurance in Ohio
$1,668 per year
Average car insurance deductible in Ohio

Ohio insurance requirements

Home insurance

While home insurance isn’t required by law in Ohio, most mortgage lenders require insurance to finance your home. A standard homeowners insurance policy usually includes:

  • Structural coverage — Also known as dwelling coverage, structural coverage protects the primary physical structure of your home.
  • Personal property coverage — This coverage will help replace belongings such as furniture and electronics in the event of a covered loss.
  • Liability coverage — Personal liability coverage protects against medical and legal fees incurred by guests and visitors injured at your home.
  • Additional living expenses — Home insurance generally pays for living expenses — like a hotel or rent — if you’re displaced from your home after a covered event.
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Looking for home insurance in Ohio? Get a quote here.

Car insurance

Like many other states, Ohio requires car insurance to drive a vehicle. Ohio drivers must provide proof of insurance when accidents occur and during traffic violations.

There are also minimum coverage requirements in Ohio, specifically for liability coverage. Liability coverage protects you if you are found to be at fault in an accident. It typically covers damage to objects and other vehicles besides your own (known as property damage liability), and injuries to other drivers and passengers they have in their car (known as bodily injury liability).

Minimum bodily injury requirements

  • $25,000 per person
  • $50,000 per accident

Minimum property damage requirements

  • $25,000 per accident

Additionally, there are optional auto insurance coverages which can provide more complete protection. Learn more about auto insurance coverage here.

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blue icon happy customersThousands of
happy customers

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on Google

green icon average savings$558 average savings
for Ohio customers

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Why customers in Ohio choose Matic

  • Shop how you want: Compare rates from 40+ carriers, then buy your policy online or talk to one of Matic’s licensed insurance advisors.
  • Get double support: In addition to your carrier, Matic is an extra insurance advocate there to help you navigate your policy.
  • Skip the extra fees: Because we integrate with carrier platforms, you’ll pay the same price for your policy with Matic as you would by going to the carrier directly.
  • Protect your future: As a Matic customer, you can rely on a network of 40+ carriers to help find a better option if your situation changes in the future.
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How to buy insurance in Ohio

Answer a few questions.

Fill out a single online form to get matched with quotes in just a few minutes.

See your initial estimates.

Review free quotes with the best prices and coverage options for you.

Buy online or talk to a licensed advisor.

Purchase your policy online or over the phone with a licensed Matic advisor.

Pro tip: Our insurance advisors will dig even deeper to unpack more options for you, like carrier discounts, bundling, and more. If you don’t see what you like online, take a few minutes and talk to us!

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Methodology: Home and auto insurance premiums, Coverage A, and customer savings data is based on an average from a subset of Matic customers within the referenced US state and external carrier filings.