Ohio car insurance

Need car insurance in Ohio? Whether you're from Lake Erie or Cincinnati, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Ohio auto insurance, so you only pay for what you need.

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

Here are the minimum auto insurance limits drivers must have in Ohio.¹

"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 insurance” 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 Ohio when you get an online auto insurance quote.

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.

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

• Medical Payments Insurance (MedPay)
• Uninsured Motorist Coverage

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

All Ohio drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Ohio car insurance to get the coverage that fits you. See all of our auto coverage options.

Liberty Mutual knows that everyone has different needs for their Ohio auto insurance. Some may want the cheapest Ohio car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Ohio car insurance, so you only pay for what you need.

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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.³