Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Ohio Average homeowners insurance cost in Ohio Homeowners insurance in Ohio costs $2,144 per year or $179 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Ohio homeowners insurance costs $2,144 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Ohio. Key Takeaways Homeowners insurance costs an average of $2,144 a year, based on Insure.com analysis.Of all the ZIP codes in Ohio, 44647 has the most affordable home insurance rates at around $1,866 annually.In Ohio, Auto-Owners provides the most affordable home insurance at an average annual premium of $1,603. Average home insurance cost in Ohio by coverage levelThe average cost of homeowners insurance in Ohio is $2,144 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,667 per year for homeowners insurance in Ohio for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Ohio for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$1,790$149200000 with 1000 Deductible and 300000 Liability and None Deductible$1,805$150300000 with 1000 Deductible and 100000 Liability and None Deductible$2,144$179300000 with 1000 Deductible and 300000 Liability and None Deductible$2,160$180400000 with 1000 Deductible and 100000 Liability and None Deductible$2,603$217400000 with 1000 Deductible and 300000 Liability and None Deductible$2,621$218600000 with 1000 Deductible and 100000 Liability and None Deductible$3,779$315600000 with 1000 Deductible and 300000 Liability and None Deductible$3,802$3171000000 with 1000 Deductible and 100000 Liability and None Deductible$5,937$4951000000 with 1000 Deductible and 300000 Liability and None Deductible$5,967$497Homeowners insurance companies in Ohio decide rates based on risk. They consider your location, claims history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims.According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in OhioIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Ohio using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Ohio. Based on the analysis, Auto-Owners received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreAuto-Owners$1,603A++0.335American Family$1,877A0.374.72Farmers$2,548A0.543.81Allstate$1,667A+0.93.78Nationwide$1,894A+0.873.78State Farm$1,744A++0.953.74Travelers$6,584A++0.543.38Grange Insurance$2,276B++0.933.35Average homeowners insurance cost by company in OhioAuto-Owners offers the most affordable homeowners insurance in Ohio, at an average annual premium of $1,603, followed by Allstate and State Farm.You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for Ohio homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.Company Average annual rate Average monthly rateAuto-Owners$1,603$134Allstate$1,667$139State Farm$1,744$145Erie Insurance$1,872$156American Family$1,877$156Nationwide$1,894$158Grange Insurance$2,276$190Farmers$2,548$212Travelers$7,527$627USAA$1,548$129Ohio homeowners insurance rates by ZIP codeInsurance companies in Ohio assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Ohio. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in OhioHomeowners insurance costs in Ohio can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 44647 area has the most affordable insurance rates, at $1,866 annually or $156 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Ohio.ZIP codeAverage annual rateAverage monthly rate44647$1,866$15644614$1,875$15644221$1,885$15744709$1,893$15844720$1,896$15844646$1,909$15944718$1,916$16044471$1,917$16044685$1,919$16044710$1,921$160Most expensive ZIP codes for home insurance rates in OhioYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Ohio, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.45630 has the most expensive homeowners insurance rates in Ohio at an average annual cost of $2,871.Below, we’ve highlighted some of the most expensive ZIP codes in Ohio for home insurance:ZIP codeAverage annual rateAverage monthly rate45630$2,871$23945618$2,856$23845677$2,842$23745687$2,822$23545105$2,810$23445683$2,807$23445636$2,806$23445621$2,801$23345617$2,787$23245423$2,785$232Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Ohio by cityCincinnatiFresnoGrand RapidsRosevilleTorontoHome insurance rate trend in OhioWe analyzed home insurance rate trends in Ohio and found that homeowners insurance rates experienced an overall increase of 7% or $139, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,698$2,005$2,144Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Ohio.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Ohio Average renters insurance cost in Ohio Average car insurance cost in Ohio Non-owner car insurance in Ohio How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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