Ohio Car Insurance FAQ - Quick Answers

In Ohio, the annual average cost of car insurance is $843, coming in much lower than the national average of $1,311. For your exact costs, consult with a licensed professional to run comparative quotes. 

It is law in Ohio that you must have insurance to drive any motor vehicle. A vehicle owner may not allow anyone else to drive their motor vehicle without insurance.

Each Ohio auto policy will be different, however the state minimum limits are required. Some coverage limits commonly obtained are listed below.

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for a damage from a non-collision event, such as a hail storm.
  • Collision: Pays for a collision with another vehicle, animal, or property.

In Ohio, 12.4% of the driving population is currently without insurance. To better protect you and your loved ones, uninsured motorist coverage can be added to your policy for an extra premium. This limit helps pay for your expenses when a collision occurs between you and an at fault uninsured driver.

Each state has their own laws when it comes to car insurance. In Ohio, you must carry these minimum limits in order to meet local requirements:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability

The best is relative when shopping for car insurance, but there are some highly rated companies in each state. In Ohio, Nationwide, Safeco, State Auto, and Travelers insurance companies are among the top. This is due to their superior claims service, cash reserves for losses, and customer service. 

Do You Know What Your Car Insurance Covers in Ohio?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost
Columbus223.92$968
Cleveland247.27$1,063
Cincinnati23.24.45$916
Akron21.72.91$1,063
Dayton20.55.31$916
Canton20.74.57$812
Springfield204.24$795
Hamilton25.94.66$768
Fairfield23.10.89$881
Huber Heights23.41.38$916
Lakewood23.91.1$864
Middletown24.22.86$760
Mansfield19.71.65$786
Cleveland Heights231.47$821
Brunswick27.40.34$833

Bodily Injury Requirements in Ohio

Bodily injury liability coverage is a requirement in Ohio when obtaining car insurance. This coverage helps pay for the other driver's medical expenses when you're at fault for an accident.

In Ohio, you must have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability. Often, insureds opt for higher limits to fully protect themselves. 

Property Damage Requirements in Ohio

You'll be responsible for carrying property damage liability in Ohio as well. This coverage helps pay for damage to another party's property when you're at-fault for an auto loss. 

You'll be mandated to carry the Ohio minimum limit of $25,000 in property damage liability. With the cost of vehicles rising, you may want to consider more protection to avoid any out-of-pocket expenses.

Medical Payments Coverage Requirements in Ohio

In some states, you'll be required to carry personal injury protection, or PIP, under your auto policy. PIP helps pay for your medical bills when you're responsible for an accident and sustain injuries.

In Ohio, PIP insurance is not mandatory. However, you may want to consider medical payments coverage which provides similar coverage. Without medical payments coverage, you'll be on the hook for the expense out-of-pocket. 

Uninsured Motorist Coverage in Ohio

Uninsured motorist coverage is not required in Ohio, although some other states do require it. Even though it's not mandatory, it can be very useful to have. 

Currently, Ohio has 12.4% of its drivers without any auto insurance. Uninsured motorist coverage can help pay for damage or injuries you sustain as a result of an uninsured at-fault driver collision.

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Optional Car Coverage in Ohio

Collision insurance and comprehensive insurance are often collectively referred to as "full coverage" under your auto policy. These coverages help pay for any damage to your personal vehicles when involved in a collision in which you're at fault. 

You'll have several optional coverages you can add to your car insurance for a more robust policy. Consult with an independent agent to review your limits and coverage offerings in Ohio.

Car Insurance Discounts to Consider in Ohio

In Ohio, you may qualify for car insurance discounts to save you some money on your premium. To cut costs easily, multiple policies with the same carrier can reduce premiums by 30% or more.

Likewise, an association discount could be available when you're a part of a teachers union, attorney group, or government agency. Another way to lower expenses is by being loyal to one insurance company for an extended period of time. 

How to File a Car Insurance Claim in Ohio

If you get into a car accident, reporting a claim can be difficult. To make it easy, take a look at these simple steps when filing a car insurance claim in Ohio.

First, ensure you're in a safe place and a medical professional tends to any injuries immediately. Second, call your independent insurance agent to file the loss and obtain a claims number. Third, get a rental vehicle if necessary and when your policy allows for it. Finally, connect with your adjuster for payment of the claim.