Indiana vs Ohio: Where Home Insurance Costs More
Home Insurance in Indiana ($2,985/yr) vs Ohio ($2,080/yr) — a 36% gap between neighbors, explained with July 2026 data.
Indiana and Ohio share a border, but for home insurance they don't share much else: Indiana averages $2,985/yr (rank #30 of 51) and Ohio averages $2,080/yr (rank #19) as of July 2026 — a 36% gap. Insurance is regulated state by state, so each side of the line is its own market.
| Indiana | Ohio | U.S. average | |
|---|---|---|---|
| Annual premium ($400K dwelling) | $2,985/yr | $2,080/yr | $2,490/yr |
Indiana in context
Indiana sits in the pricier half of the country at #30 of 51, averaging $2,985/yr — about 20% above the national average.
Ohio in context
Ohio lands in the affordable middle of the pack at #19 of 51, averaging $2,080/yr — about 16% below the national average.
Full local breakdowns: Indiana · Ohio · all states ranked.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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