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Counties With the Cheapest Homeowners Insurance in Ohio (2026)

Lake has the lowest homeowners insurance of any county in Ohio, at $1,348, followed by Lorain and Jefferson. Source: Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024. The full ranking of the top 25 counties is below.

Data updated 2024 - Source: Keys-Mulder escrow dataset (NBER WP 32579)

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Cheapest counties for homeowners insurance in Ohio

Top 25 of 88 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Ohio
RankCountyValue
1Lake$1,348
2Lorain$1,396
3Jefferson$1,397
4Stark$1,412
5Williams$1,428
6Cuyahoga$1,445
7Lucas$1,454
8Tuscarawas$1,461
9Belmont$1,472
10Portage$1,483
11Mahoning$1,483
12Huron$1,506
13Clark$1,511
14Medina$1,517
15Miami$1,531
16Erie$1,532
17Noble$1,545
18Trumbull$1,548
19Columbiana$1,555
20Holmes$1,563
21Sandusky$1,578
22Wyandot$1,588
23Richland$1,593
24Van Wert$1,596
25Ashtabula$1,596

How this ranking works

This page ranks Ohio counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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