Car insurance rates are up in Ohio and across the nation. Here's why. – The Cincinnati Enquirer

If you noticed a recent spike in your car insurance bill, you aren’t alone.
Car insurance rates are expected to increase by 8.4% across the United States and 12.3% in Ohio this year, according to ValuePenguin, a subsidiary of Lending Tree, which researches insurance and other consumer trends. The nationwide increase is the biggest jump in the past six years.
Still, the average cost for full coverage car insurance in Ohio (about $1,296 per year) remains 27% lower than the national average (about $1,780 per year). That makes Ohio one of the least expensive states for car insurance, according to the analysis.
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In comparison, Kentucky’s annual cost is $2,040 or 14% above the national average. And Michigan’s average of $4,788 a year is the highest in the United States.
Another analysis by found Ohio had the lowest car insurance rates in the nation. The average premium was $1,023, or 40% less than the national average of $1,682, according to
The most recent data from the Ohio Department of Insurance is from 2021 when rates increased by 2.7% for the state’s 10 largest insurance providers.
Here are some reasons why rates are rising:
Beyond the macro trends, other factors can hike your rates, including a poor driving record, age, gender, where you live and what car you drive.
The Ohio Department of Insurance approved increases for some of the most-used car insurance companies in the past year. They include:
Ohio law requires the state Department of Insurance to review and approve car insurance rates to make sure they aren’t “excessive.”
“Ohio Department of Insurance staff review rate filings to make sure that premiums are actuarially sound, not excessive, inadequate or unfairly discriminatory,” spokesman Robert Denhard said.
Consumers should compare different auto insurance options and switch if they find a better one for them, Denhard said.
Consumers can contact the Ohio Department of Insurance with questions and concerns about auto insurance at 1-800-686-1526, and
Jessie Balmert is a reporter for the USA TODAY Network Ohio Bureau, which serves the Columbus Dispatch, Cincinnati Enquirer, Akron Beacon Journal and 18 other affiliated news organizations across Ohio.