Like many states, Ohio requires drivers to carry a minimum level of insurance coverage to operate a vehicle legally. Let's explore the basics of Ohio's car insurance requirements and find the coverage that fits your needs and budget. Whether you're a seasoned driver or hitting the road for the first time, understanding Ohio's car insurance landscape is the first step toward safe and secure travels.
NOTE: These sample rates are based on drivers who own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
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Bodily injury liability coverage
$25,000 per person per accident / $50,000 total per accident
Property damage liability coverage
$25,000 per accident
Source: Ohio Department of Insurance
Optional Car Insurance Coverage (varies by carrier)
- Uninsured/Underinsured Motorists (UM/UIM) protection
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- & more. Be sure to ask your insurance agent.
Source: Ohio Department of Insurance
Frequently Asked Questions
No, Ohio is not a no-fault state. It follows a tort system where the at-fault driver is responsible for covering the damages in an accident.
Source: Bensinger Legal Services
No, Personal Injury Protection (PIP) is not even offered in Ohio, so it is not required. Ohio follows a tort system where the at-fault driver is responsible for covering the damages in an accident.
Source: WalletHub
No, Ohio does not require uninsured/underinsured motorist coverage. However, it is highly recommended to have this coverage since thousands of drivers don’t have adequate car insurance coverage.
Source: Ohio Department of Insurance
You Could Save Hundreds
SteadyDrive is your ticket to big savings on car insurance. We focus on your driving habits using telematics to track your behavior like speed, braking, and phone use. You can test-drive our app anonymously, with no impact on your current rate.
Download the free app, enroll in seconds, and watch the savings pile up as you drive safely.
SteadyDrive is not an insurer or an insurance agent or broker. SteadyDrive does not provide you with an insurance policy, so make sure that you have insurance coverage while you drive. Please contact your insurer or an insurance agent or broker (if applicable) directly regarding questions you may have pertaining to auto insurance coverage. For more details, see SteadyDrive’s Terms of Service.
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