Erie Insurance, Auto-Owners, State Farm, American Family, and Nationwide provide the best home insurance policies in Ohio, amongst the carriers surveyed by Insurance.com. Auto-Owners offers the cheapest home insurance in Ohio at $1,610 per year.Jump to calculator
Last updated: Sep 3, 2024 Compare quotes in less than 5 minutes
Written by Leslie Kasperowicz
Executive EditorLeslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
Data checked by Brent Buell
Before joining QuinStreet, Brent worked for nearly four years at NYCM Insurance (a personal and commercial insurance carrier based in New York) between his roles as a product analyst and a commercial lines underwriter. Before joining NYCM, Brent owned and operated a captive insurance agency. He holds a property & casualty broker's license and is a Chartered Property Casualty Underwriter (CPCU).
Reviewed by John McCormick
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Fact checkedAt Insurance.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.
Erie Insurance is the best homeowners insurance company in Ohio, based on an analysis by Insurance.com, with an overall rating of 4.72.
Auto-Owners offers the cheapest home insurance in Ohio at $1,610 per year, for $300,000 dwelling coverage and $300,000 liability with a $1,000 deductible.
With so many options, choosing a homeowners insurance company in Ohio is not easy. You need a reliable company that will provide you with quality service at an affordable price. Read on for everything you need to know to choose the best home insurance for your needs.
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.
Best home insurance companies in Alaska| 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 |
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.
| 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 |
*USAA only provides coverage to military members, veterans, and their families.
Data updated in 2024The average cost of homeowners insurance in Ohio is $2,160 a year or $180 a month. This is based on coverage of:
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
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.
