Best and cheapest homeowners insurance in Ohio for 2024

Best homeowners insurance companies in Ohio: Erie Insurance

The best home insurance company in Ohio for 2024 is Erie Insurance. Auto-Owners, State Farm, American Family, and Nationwide are among the top home insurance companies in Ohio based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

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Best home insurance in Ohio
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Erie Insurance	A+	0.52	4.72	$1,885
Auto-Owners	A++	0.37	4.64	$1,610
State Farm	A++	0.83	4.23	$1,807
American Family	A	0.80	3.73	$1,893
Nationwide	A+	1.05	3.67	$1,902
Allstate	A+	1.46	3.40	$1,690
Farmers	A	0.67	3.20	$2,578
Travelers	A++	1.10	2.60	$6,626

Data updated in 2024

Cheapest home insurance companies in Ohio: Auto-Owners

Below are Ohio home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you’ll see Auto-Owners has the most affordable rates for all dwelling coverages, except the highest dwelling coverage of $1,000,000 in every category. USAA offers the cheapest home insurance, but only to military veterans and their families.

Cheapest home insurance in Ohio
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
USAA*	$1,229	$1,548	$1,810	$2,284	$3,132
Auto-Owners	$1,292	$1,610	$1,947	$2,530	$4,957
Allstate	$1,446	$1,690	$2,027	$2,795	$4,339
State Farm	$1,484	$1,807	$2,014	$2,539	$3,496
Erie Insurance	$1,355	$1,885	$2,397	$3,349	$5,349
American Family	$1,518	$1,893	$2,254	$2,951	$4,229
Nationwide	$1,464	$1,902	$2,327	$3,191	$4,777
Grange Mutual	$1,740	$2,279	$2,801	$3,667	$5,137
Farmers	$1,904	$2,578	$3,409	$5,289	$9,197
Travelers	$6,244	$6,626	$7,791	$12,488	$20,328

Data updated in 2024

*USAA only provides coverage to military members, veterans, and their families.

Average home insurance cost in Ohio

The average cost of homeowners insurance in Ohio is $2,160 a year or $180 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Ohio homeowners insurance companies to get the best deal

Ohio home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Ohio to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

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Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

Read our methodology

The Ohio Department of Insurance says...

Ohio has a fund to insure property that is in danger of sinking due to its proximity to an old coal mine. There are more than 4,000 abandoned coal mines in Ohio. All residential policies sold in mandatory coverage counties must protect against damage caused when an underground mine sinks (subsides).
The policy pays up to the home's insured value or $300,000, whichever is less, with you responsible for the deductible. The deductible is two percent of the insured value at a minimum of $250 and a maximum of $500. Contents, barns and other outbuildings are not covered.

- The Ohio Department of Insurance

The most expensive ZIP codes in Ohio for home insurance

Ohio homeowners insurance rates are the most expensive for ZIP code is 45657, with an average annual cost of $2,746.

The most expensive ZIP codes in Ohio are:

ZIP code	Average annual rate
45657	$2,746
45613	$2,708
45648	$2,691
45653	$2,688
45682	$2,685
45656	$2,673

Data updated in 2024

The least expensive ZIP codes in Ohio for home insurance

The cheapest ZIP codes for home insurance in Ohio are:

ZIP code	Average annual rate
44274	$1,677
44250	$1,683
44670	$1,684
44652	$1,690
44650	$1,693
44285	$1,694

Data updated in 2024

Ohio homeowners insurance rates by county

County	Average annual premium	Average monthly premium
Adams	$2,523	$210
Allen	$2,284	$190
Ashland	$2,065	$172
Ashtabula	$2,080	$173
Athens	$2,161	$180
Auglaize	$2,234	$186
Belmont	$1,941	$162
Brown	$2,358	$196
Butler	$2,249	$187
Carroll	$1,999	$167
Champaign	$2,178	$181
Clark	$2,140	$178
Clermont	$2,209	$184
Clinton	$2,228	$186
Columbiana	$1,978	$165
Coshocton	$1,992	$166
Crawford	$2,110	$176
Cuyahoga	$2,167	$181
Darke	$2,235	$186
Defiance	$2,172	$181
Delaware	$2,082	$174
Erie	$2,118	$176
Fairfield	$2,276	$190
Fayette	$2,293	$191
Franklin	$2,151	$179
Fulton	$2,214	$184
Gallia	$2,390	$199
Geauga	$2,039	$170
Greene	$2,223	$185
Guernsey	$2,029	$169
Hamilton	$2,150	$179
Hancock	$2,330	$194
Hardin	$2,332	$194
Harrison	$2,027	$169
Henry	$2,215	$185
Highland	$2,322	$193
Hocking	$2,163	$180
Holmes	$1,993	$166
Huron	$2,211	$184
Jackson	$2,526	$210
Jefferson	$1,980	$165
Knox	$2,103	$175
Lake	$1,995	$166
Lawrence	$2,455	$205
Licking	$2,078	$173
Logan	$2,298	$192
Lorain	$2,106	$175
Lucas	$2,310	$192
Madison	$2,163	$180
Mahoning	$2,025	$169
Marion	$2,296	$191
Medina	$1,999	$167
Meigs	$2,264	$189
Mercer	$2,269	$189
Miami	$2,204	$184
Monroe	$2,027	$169
Montgomery	$2,318	$193
Morgan	$2,246	$187
Morrow	$2,087	$174
Muskingum	$2,101	$175
Noble	$2,091	$174
Ottawa	$2,186	$182
Paulding	$2,315	$193
Perry	$2,252	$188
Pickaway	$2,199	$183
Pike	$2,446	$204
Portage	$1,983	$165
Preble	$2,348	$196
Putnam	$2,228	$186
Richland	$2,128	$177
Ross	$2,416	$201
Sandusky	$2,288	$191
Scioto	$2,535	$211
Seneca	$2,157	$180
Shelby	$2,172	$181
Stark	$1,940	$162
Summit	$1,988	$166
Trumbull	$2,036	$170
Tuscarawas	$1,922	$160
Union	$2,103	$175
Van Wert	$2,390	$199
Vinton	$2,422	$202
Warren	$2,259	$188
Washington	$2,075	$173
Wayne	$1,988	$166
Williams	$2,162	$180
Wood	$2,227	$186
Wyandot	$2,239	$187

Data updated in 2024

Frequently asked questions about Ohio homeowners insurance

Do I need flood insurance in Ohio?

Flood insurance is not part of a normal home insurance policy. Instead, you need to buy a separate policy through the National Flood Insurance Program (NFIP) or an insurer that works with NFIP. If you live in a high-risk area, your mortgage company might require you to buy a flood insurance policy.

How can I get cheaper home insurance in Ohio?

Shopping around is the best way to save on home insurance. In addition to comparing rates at least once a year and maintaining good credit, you should maintain your home to decrease the chance of filing a claim. You can also raise your deductible to get lower rates as long as you can afford the higher amount if you file a claim.

What if I can’t get Ohio home insurance?

The Ohio FAIR Plan Underwriting Association will help if you can't find home insurance. The FAIR Plan is similar to any other home insurance policy. A FAIR Plan covers you for fire, vandalism and other damages. An Ohio insurance company will be assigned to cover your home; bear in mind this is the option of last resort and can be expensive.

How do I file a complaint against my insurance company in Ohio?

If you need to file a complaint, contact the Ohio Department of Insurance Consumer Services Division at 1-800-686-1526. A representative will discuss your insurance rights and how to file a complaint.

If you prefer, you can file a complaint online. If you prefer to file by mail, call the number above and request a hard copy of the complaint form.

Mail complaints to:

Ohio Department of Insurance

Consumer Services Division

50 West Town Street

Third Floor/Suite 300

Columbus, OH, 43215

How long does the home insurance company have to settle a claim in Ohio?

The insurance company has 15 days to acknowledge receipt of your claim, another 21 days to approve. or reject the claim, and then another 10 days to make issue payment on an approved claim.