Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in Ohio Average renters insurance cost in Ohio Discover the average cost of renters insurance in Ohio and how factors like location and coverage levels can impact your rate. 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. | Updated on: January 16, 2025 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. Renters insurance costs in Ohio vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Ohio is $252 per year or $21 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Ohio is $252 per year or $21 per month.Grange Mutual provides the least expensive renters insurance in Ohio at an average rate of $159 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Ohio. Average renters insurance cost in Ohio per monthIn Ohio, the average cost of renters insurance is $21 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$21$1 lessAverage renters insurance cost in Ohio by companyGrange Mutual offers the most affordable renters insurance in Ohio at an average annual rate of $159, followed by Auto-Owners and Nationwide, based on our data.However, you should get multiple quotes from various renters insurance companies in Ohio because the prices vary greatly among carriers.Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Ohio.CompanyAverage annual rateAverage monthly rateGrange Mutual$159$13Auto-Owners$204$17Nationwide$233$19Allstate$248$21Erie Insurance$249$21State Farm$289$24American Family$354$30Travelers$603$50USAA$171$14 Renters insurance calculator in Ohio Select your state Ohio Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $231/year Estimated renters insurance rates in Ohio $19 Monthly renters insurance cost in Ohio -6% Compared to national average Get quotes Average cost of renters insurance in Ohio by coverage levelThe average annual cost of renters insurance in Ohio is $252, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $204 a year for renters insurance in Ohio. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in Ohio for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$180$15$20,000 with $500 Deductible and $300,000 Liability$199$17$20,000 with $1,000 Deductible and $100,000 Liability$167$14$20,000 with $1,000 Deductible and $300,000 Liability$186$16$40,000 with $500 Deductible and $100,000 Liability$247$21$40,000 with $500 Deductible and $300,000 Liability$269$22$40,000 with $1,000 Deductible and $100,000 Liability$231$19$40,000 with $1,000 Deductible and $300,000 Liability$252$21$60,000 with $500 Deductible and $100,000 Liability$313$26$60,000 with $500 Deductible and $300,000 Liability$336$28$60,000 with $1,000 Deductible and $100,000 Liability$293$24$60,000 with $1,000 Deductible and $300,000 Liability$317$26Average cost of renters insurance in Ohio by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Ohio.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Ohio by cityCincinnatiFresnoGrand RapidsRosevilleTorontoAverage cost of renters insurance in Ohio by ZIP codeRenters insurance costs in Ohio vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in OhioIn Ohio, your ZIP code plays a major role in determining your premiums. Based on our data, 44107 is the most affordable ZIP code for renters insurance, with an average annual cost of $224.Comparing quotes from multiple insurers in Ohio is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate44107Lakewood$224$1944070North Olmsted$225$1944256Medina$226$1944017Berea$226$1944130Cleveland$226$1944647Massillon$227$1944134Cleveland$227$1944691Wooster$227$1944011Avon$227$1944129Cleveland$227$19Least affordable ZIP codes for renters insurance in Ohio43601 is the most expensive ZIP code for renters insurance in Ohio, at an average cost of $322 annually or $27 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Ohio. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate43601Toledo$322$2745423Dayton$313$2643610Toledo$313$2645861Melrose$300$2545063Shandon$300$2545062Seven Mile$299$25Renters and auto bundle discounts in OhioIf you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company.Bundling policies can help you save an average of 4% annually in Ohio. Grange Mutual offers the cheapest rate on renters and auto insurance bundle. You can save 2% a year on your premiums.CompanyAverage annual rate$ bundle average savings% bundle average savingsGrange Mutual$846$162%Nationwide$974$323%Travelers$1,016$545%State Farm$1,042$535%Geico$1,061$303%American Family$1,082$585%Auto-Owners$1,232$655%Progressive$1,255$423%Farmers$1,429$1067%Westfield Insurance$1,642$714%Allstate$2,264$924%Final thoughts: Average renters insurance in OhioRenters insurance is a must for Ohio renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Ohio Average homeowners insurance cost in Ohio Average car insurance cost in Ohio Non-owner car insurance in Ohio Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Guide to the insurance claims history report (CLUE) By Shivani Gite Guide to off-grid home insurance By Lena Borrelli Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell On this page Average renters insurance cost in Ohio per monthAverage renters insurance cost in Ohio by companyAverage cost of renters insurance in Ohio by coverage levelAverage cost of renters insurance in Ohio by cityAverage cost of renters insurance in Ohio by ZIP codeRenters and auto bundle discounts in OhioFinal thoughts: Average renters insurance in Ohio ZIP Code Please enter valid ZIP See rates