Last updated: December 12, 2015 at 23:49 pm
Ohio Car Insurance Comparison

Car Insurance Coverage in Ohio


The state of Ohio requires that all drivers either have car insurance coverage or be financially responsible for costs that are incurred as a result to damages you caused. The easiest way is to get covered with basic auto insurance that meets Ohio’s auto insurance laws.

What are the basic coverage requirements?

Bodily Injury Liability: $12,500/$25,000 Limit
Property Damage Liability: $7,500 Limit

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Coverage Requirements

Liability Auto Insurance Coverage

  • $25,000 for injuries or death, for each person.
  • $50,000 total for injuries or death
  • $25,000 for property damage

Important note: You do not have to have comprehensive or collision but if you are leasing a vehicle you may be required. Check with your local Ohio auto dealer.

Fines and penalties: Failure to provide proof of insurance. Make sure you have a copy in your car and on you at all times.

High risk drivers who have been denied Ohio car insurance may contact the Ohio Automobile Insurance Plan (OAIP).

Uninsured or Underinsured Motorists - How do I get Uninsured and Underinsured coverage?

Ohio does not require auto insurance policy owners to obtain uninsured or underinsured motorist coverage. In fact, car insurance companies in Ohio are not even required to offer it. This voluntary coverage would be purchased in addition to the state’s insurance requirements. However, UM & UIM coverage is essential in Ohio, especially since it is not the law for drivers to carry car insurance. An uninsured driver who causes an accident may not be able to pay for the damages to you or your vehicle.

How much UM & UIM Coverage should you get?

Since it is not a requirement in Ohio, it can be hard to determine how much UM & UIM coverage is enough. Most states require that car owners purchase at least as much as their bodily injury liability amount (at least $12,500) and possible more. The more coverage you purchase the better protected you will be in the case of an accident.

At Fault For Auto Accidents

Ohio follows the tort system, which basically means that whoever is at fault for the accident is going to have to pay for all the damages. Having quality car insurance is key so that an accident won’t empty a person’s bank account. If you are in an accident in Ohio, if you were determined to have caused the accident, you and your insurance company will have to pay for the damages to all parties involved.

Injured in an Ohio Car or truck accident?


You could get a large settlement:

  • The driver responsible has car insurance
  • He/she was negligent or at fault
  • You are still within your state’s limitations (typically 2 years)

 Do you have a case? Calculate your settlement For free.

Call toll Free: for serious accident injuries and speak with an Ohio personal injury firm specializing in serious accident cases . 3 minutes to find out if you have a case!

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