Affordable Home Insurance in Ohio
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What drives home insurance rates in Ohio
Average homeowners premium, 2023
$1,116
The average homeowners policy in Ohio cost $1,116 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
86.5¢
Home insurers in Ohio paid 86.5 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
336
NOAA logged 90 tornado, 130 large-hail and 116 flash-flood event reports in Ohio in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#14
FEMA ranks Ohio #14 of 51 for expected annual loss from natural hazards; flood accounts for 64% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Ohio
The ten insurer groups that wrote the most home premium in Ohio in 2025, with their share of the state total of $5.1 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 21.22% | $1.1 billion |
| 2 | Allstate Insurance Group | 12.12% | $618 million |
| 3 | Erie Insurance Group | 7.63% | $389 million |
| 4 | Liberty Mutual Group | 6.56% | $334 million |
| 5 | American Family Insurance Group | 6.36% | $325 million |
| 6 | Grange Mutual Casualty Group | 4.66% | $238 million |
| 7 | Nationwide Corp Group | 4.4% | $224 million |
| 8 | Cincinnati Financial Group | 4.21% | $215 million |
| 9 | United Services Automobile Association Group | 4.18% | $213 million |
| 10 | Auto Owners Group | 3.94% | $201 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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