Renters and home insurance rates in Ohio
The NAIC's published average premiums for Ohio by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $160
- average homeowners premium (HO-3), per year
- $995
- renter households
- 1,594,003
By county
By county
| Franklin County | 257,703 | $1,233 | $265,700 |
|---|---|---|---|
| Cuyahoga County | 226,917 | $1,005 | $183,200 |
| Hamilton County | 144,418 | $1,005 | $225,700 |
| Montgomery County | 86,708 | $968 | $167,400 |
| Summit County | 75,072 | $998 | $195,700 |
| Lucas County | 69,839 | $911 | $155,200 |
| Stark County | 48,831 | $877 | $177,700 |
| Butler County | 43,763 | $1,098 | $243,000 |
| Lorain County | 33,094 | $916 | $207,200 |
| Mahoning County | 29,178 | $775 | $141,100 |
| Lake County | 25,014 | $1,073 | $199,900 |
| Trumbull County | 24,548 | $783 | $128,100 |
| Clermont County | 22,449 | $1,040 | $245,600 |
| Greene County | 21,879 | $1,089 | $238,000 |
| Portage County | 19,276 | $1,036 | $210,500 |
| Wood County | 19,195 | $950 | $214,400 |
| Warren County | 18,422 | $1,293 | $319,700 |
| Licking County | 17,947 | $999 | $250,700 |
| Delaware County | 17,549 | $1,433 | $419,500 |
| Clark County | 17,063 | $840 | $155,900 |
| Richland County | 15,788 | $791 | $154,000 |
| Fairfield County | 15,460 | $1,114 | $272,200 |
| Medina County | 14,484 | $1,090 | $268,000 |
| Allen County | 12,968 | $898 | $158,400 |
| Tuscarawas County | 11,942 | $876 | $176,800 |
| Miami County | 11,852 | $942 | $209,200 |
| Columbiana County | 11,120 | $736 | $139,100 |
| Muskingum County | 10,706 | $811 | $170,100 |
| Wayne County | 10,580 | $849 | $204,600 |
| Ashtabula County | 10,171 | $816 | $149,600 |
| Hancock County | 9,741 | $926 | $196,500 |
| Erie County | 9,284 | $882 | $183,900 |
| Scioto County | 8,873 | $749 | $132,300 |
| Athens County | 8,651 | $903 | $173,800 |
| Ross County | 8,650 | $858 | $158,500 |
| Marion County | 7,894 | $850 | $146,200 |
| Jefferson County | 7,650 | $792 | $120,600 |
| Belmont County | 6,887 | $769 | $143,000 |
| Sandusky County | 6,285 | $786 | $152,500 |
| Washington County | 6,268 | $828 | $174,100 |
| Huron County | 6,190 | $824 | $158,900 |
| Lawrence County | 6,186 | $830 | $135,600 |
| Pickaway County | 5,973 | $965 | $235,700 |
| Darke County | 5,973 | $747 | $169,100 |
| Seneca County | 5,874 | $814 | $136,200 |
| Knox County | 5,847 | $925 | $218,300 |
| Crawford County | 5,256 | $761 | $123,600 |
| Shelby County | 4,932 | $904 | $190,300 |
| Clinton County | 4,872 | $893 | $192,800 |
| Union County | 4,848 | $1,188 | $306,600 |
| Geauga County | 4,629 | $1,018 | $305,100 |
| Guernsey County | 4,608 | $803 | $154,100 |
| Auglaize County | 4,571 | $853 | $182,000 |
| Highland County | 4,498 | $757 | $157,000 |
| Logan County | 4,365 | $832 | $186,200 |
| Ashland County | 4,363 | $841 | $175,900 |
| Fayette County | 4,300 | $807 | $162,200 |
| Brown County | 4,090 | $822 | $181,100 |
| Coshocton County | 4,084 | $723 | $142,300 |
| Williams County | 3,769 | $805 | $140,000 |
| Pike County | 3,700 | $833 | $148,500 |
| Madison County | 3,695 | $944 | $231,400 |
| Champaign County | 3,621 | $884 | $186,300 |
| Preble County | 3,453 | $803 | $171,100 |
| Jackson County | 3,374 | $773 | $140,400 |
| Mercer County | 3,313 | $812 | $208,600 |
| Defiance County | 3,292 | $826 | $150,900 |
| Fulton County | 3,149 | $832 | $176,000 |
| Perry County | 3,134 | $727 | $178,300 |
| Hardin County | 3,128 | $733 | $134,800 |
| Ottawa County | 2,968 | $909 | $200,700 |
| Adams County | 2,967 | $700 | $157,500 |
| Holmes County | 2,731 | $773 | $251,800 |
| Gallia County | 2,673 | $798 | $135,000 |
| Carroll County | 2,529 | $780 | $174,500 |
| Morrow County | 2,452 | $942 | $200,800 |
| Hocking County | 2,452 | $806 | $172,300 |
| Wyandot County | 2,379 | $785 | $159,500 |
| Van Wert County | 2,259 | $792 | $137,300 |
| Meigs County | 2,181 | $704 | $113,400 |
| Henry County | 2,072 | $866 | $166,000 |
| Putnam County | 1,873 | $857 | $191,600 |
| Paulding County | 1,496 | $750 | $126,800 |
| Harrison County | 1,381 | $753 | $118,000 |
| Vinton County | 1,297 | $663 | $131,700 |
| Morgan County | 1,286 | $713 | $134,200 |
| Monroe County | 971 | $626 | $132,000 |
| Noble County | 830 | $730 | $149,300 |
Download the Ohio county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
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The average annual renters insurance premium in Ohio was $160 in 2022, across 1,594,003 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Ohio", updated 2026-08-17, https://homecoverhq.com/rates/ohio/.