Ohio car insurance

Chicago Illinois skyline overlooking Lake Michigan

Common questions about Ohio
auto insurance

Need car insurance in Ohio? Whether you're from Lake Erie or Cincinnati, Liberty Mutual has you covered. From liability protection to comprehensive coverage, we customize your Ohio auto insurance, so you only pay for what you need.

What car insurance is required in Ohio?

In Ohio, it's illegal to drive without insurance. Drivers in Ohio are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability

This chart shows the minimum auto insurance drivers are required to have in Ohio for these coverages.²

Coverage	Amount
Bodily Injury to Others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident

Check out the Ohio DMV for more details.

What's considered "full coverage" car insurance in Ohio?

"Full coverage" car insurance can mean different things to different people. Legally, in the state of Ohio you're only required to have the state Liability minimums of 25/50/25.

However, "full car coverage" or "full coverage" is often thought of as having the state minimums and

Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

We'll make sure you get the coverage you need in Texas when you get an online auto insurance quote.

What liability insurance is required in Ohio?

Ohio law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum coverages of

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident

You may see this written as 25/50/25.

Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

Is Ohio a no-fault insurance state?

No, Ohio is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.

Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Ohio drivers may want to consider additional coverages

These coverages can help cover you if you're in an accident with an underinsured or uninsured driver.

What's the average cost of car insurance in Ohio?

The average cost of car insurance in Ohio was $1,478³ in 2024 according to thezebra.com. That's 32% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Ohio auto insurance with a customized policy so you only pay for what you need.

See how much you could save on car insurance.

Who has the cheapest car insurance in Ohio?

Getting the cheapest car insurance in Ohio sounds great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴