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- Ohio Car Insurance
Ohio car insurance
Common questions about Ohio
auto insurance
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.
What Ohio car coverage insurance coverage is right for you?
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.
We'll help you customize your Ohio car insurance to get the coverage that fits you.
See all of our auto coverage options.
What is the best car insurance in Ohio?
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.
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
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Save money with these auto insurance discounts
Buy your policy online and save. It's that simple.5
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.5
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.6
Save with our safe driver program