Average renters insurance cost in Ohio
Ohio is one of the most expensive states for renters insurance, ranking #43 of 50. At $28 a month, renters here pay about 22% more than the national average — a premium driven largely by the state's severe-weather claim history. Even so, it remains one of the cheapest policies you can own.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
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How Ohio compares with its neighbors
| State | Monthly rate | Difference vs OH |
|---|---|---|
| Ohio | $28 | — |
| Michigan | $30 | +$2/mo |
| Indiana | $25 | −$3/mo |
| Pennsylvania | $21 | −$7/mo |
| Kentucky | $24 | −$4/mo |
| West Virginia | $19 | −$9/mo |
Ohio renters insurance FAQ
How much is renters insurance in Ohio?
Renters insurance in Ohio averages $28 per month — about $336 per year — for a typical policy with roughly $30,000 in personal property coverage and $100,000 in liability. Your exact rate depends on your coverage limits, deductible, claims history and, in most states, your credit-based insurance score.
Is renters insurance required in Ohio?
No state law requires renters insurance in Ohio — but landlords can and frequently do require it as a lease condition. Even when it's optional, going without it means one apartment fire or burglary could cost you everything you own, against a premium of roughly $28 a month.
How can I pay less than $28/month in Ohio?
Three moves reliably beat the state average: bundle renters with your auto policy (typically the single biggest discount), raise your deductible from $250 to $1,000 if you can absorb it, and compare quotes — carrier pricing for identical coverage varies widely, with the cheapest national carriers averaging around $14/month.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
Compare renters insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.