The National Association of Insurance Commissioners says the average rates of Ohio homeowners' and auto policies increased last year. The top 10 insurance companies doing business in Ohio boosted homeowners' rates by 7.4 percent, while the biggest auto insurers raised rates by 2.6 percent. Those insurers represent 70 percent of Ohio's market. The group says Ohio's average homeowners' premium was 652 dollars, 316 dollars below the national average. Ohioans paid 620 dollars for auto insurance, 177 dollars below the national average. The companies say poor weather and material costs affected homeowners' rates. Changes in auto insurance rates were associated with weather-related claims and repair costs.