Ohio car insurance: requirements & free quotes
Ohio is an at-fault state with a 25/50/25 minimum. Lake-effect snow in the north, busy interstates and frequent deer crossings are common factors in coverage decisions.
Minimum coverage in Ohio
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Shown as 25/50/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Ohio
- Uninsured/underinsured motorist coverage is optional and worth adding.
- Comprehensive coverage helps with deer collisions and winter weather damage.
- Ask about bundling, good-student and safe-driver discounts.
- Compare quotes regularly, since Ohio has many competing insurers.
We connect drivers across Ohio
Including Columbus, Cleveland, Cincinnati, Toledo and Akron — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Ohio car insurance FAQ
No. Ohio is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.