🏠 Home insurance cost in Ohio (2026)
The estimated average is $1,840 per year — below the national average (-20% vs. the U.S. average of $2,300).
Ohio is home to about 11.8 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Columbus typically differ from smaller towns.
Estimate your home insurance in Ohio
Ohio home insurance estimator
Starts from the Ohio average. Estimate only — get quotes to confirm.
Home insurance cost in Ohio cities
Ohio home insurance FAQ
How much is home insurance in Ohio?
The estimated average home insurance in Ohio is $1,840 per year, which is below the national average (-20% vs. the U.S. average of $2,300). Ohio ranks 28 of 51 states from most to least expensive.
Why is home insurance cheaper in Ohio?
Home insurance pricing in Ohio reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on home insurance in Ohio?
Compare at least three quotes from insurers active in Ohio, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.