Home insurance cost in Ohio
About $2,080 a year, or $173 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$2,080
a year
A month
$173
Rank
19 of 51
1 = cheapest; −16% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Washington | $1,880 | 17 |
| Louisiana | $2,020 | 18 |
| Ohio | $2,080 | 19 |
| Connecticut | $2,135 | 20 |
| Wisconsin | $2,175 | 21 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Ohio?
About $2,080 a year, or $173 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Ohio expensive?
Ohio ranks 19 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Ohio: monthly budget · take-home pay · rent.