Why Is Auto Insurance So Expensive In Ohio? 
On average , Auto insurance in Ohio is near the lowest in the nation . Ohio averages $ 648 for auto insurance for 6 months , which is nearly $ 200 less than the national average . -LRB- WEBSITELINK -RRB- There are a number of reasons , however , that YOUR rates may be higher . The obvious factors of driving record , type of car , your age and gender , and where you liveplay a role . However , some other factors are credit score , length of time with a previous insurer , and even education/occupation can help determine which risk category you fall into . Another factor to consider is the amount of coverage you are receiving for the premium you are paying . The more coverage you have , the higher your payment will be . However , you should remember that minimum coverage is just that : MINIMUM . It likely would n't be enough to pay if you were sued for causing a serious accident . 