Average home insurance cost in Ohio
Ohio sits comfortably in the affordable half of the country at #19 of 51, about 16% below the national average — roughly $410 a year cheaper than the typical American homeowner pays.
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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How Ohio compares with its neighbors
| State | Annual premium | Difference vs OH |
|---|---|---|
| Ohio | $2,080 | — |
| Michigan | $2,415 | +$335/yr |
| Indiana | $2,985 | +$905/yr |
| Pennsylvania | $1,720 | −$360/yr |
| Kentucky | $3,795 | +$1,715/yr |
| West Virginia | $2,465 | +$385/yr |
Ohio home insurance FAQ
How much is homeowners insurance in Ohio?
Home insurance in Ohio averages $2,080 per year — about $173 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Ohio more expensive than average?
No. Ohio's average of $2,080/year is about 16% below the U.S. average of $2,490/year, ranking #19 of 51 (1 = cheapest).
How can I lower my home insurance bill in Ohio?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
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.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.