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Ohio’s State Minimum Car Insurance Requirement

Ohio’s minimum cover for car insurance is 25,000/50,000/25,000 for bodily injury liability and property damage liability. Ohio is one of the most populated states in the United States with over 13 million residents plus the state has some of the lowest auto insurance rates in the country.

CoverageOhio Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000$50,000
Uninsured Motorist Property DamageOptional$25,000
Uninsured MotoristOptional$25,000 / $50,000
Comprehensive CoverageN/A$500 deductible
Collision CoverageN/A$500 deductible

Bodily Injury Liability

If the minimum cover is purchased the insurer will cover up to a maximum of $25,000 per person injured or up to a maximum of $50,000 for all passengers injured in the event of an accident.

Property Damage Liability

If the minimum cover is purchased the insurer will pay up to a maximum of $25,000 to cover any damage to the automobile, personal property, and public property, such as places of business, traffic signs, and guard rails.

Since many cities in OH, such as Canton and Dublin, have a significant amount of uninsured motorists it is recommended to get Uninsured Motorist Protection (UM) which will cover damages in the event you are involved in an auto accident with an driver who has little or no insurance.

It is highly recommended to get comprehensive and collision cover for vehicles that cost more than $3,000 or newer model automobiles.

Before you decide on a policy it is vital for you to understand the minimum requirements for the state of Ohio.

columbus ohio

Downtown Columbus, Ohio. Photo courtesy of movedowntowncolumbus.

Be sure you compare more than three quotes since each insurer has their own method to weigh the importance of driving history, credit scores, or your age.

Other optional insurance in OH is medical payment cover.

Most affordable auto insurance companies in Ohio

RankAuto Insurance CompanyAverage Annual Rate
2Cincinnati Insurance$1,290
5Western Reserve$1,348
6Atlantic States$1,349
7Liberty Mutual$1,356
8Motorists Mutual$1,398
9General Casualty$1,404
10Hastings Mutual$1,414
11American Family$1,430
12Celina Insurance$1,463
13The Hartford$1,467
14State Auto$1,489
15State Farm$1,494
17Grange Mutual$1,536
18Merchants Insurance Group$1,539
19Central Mutual$1,547

Graph 1 Comparison of Cheap Car Insurance Companies in Ohio

This is a graph of the lowest cost auto insurance companies in the State of Ohio

Comparison of Ohio Auto Insurance Companies

Graph 2 Comparison of Insurance Companies

This is a chart of the cheapest car insurance companies in the State of Ohio

Comparison of auto insurance companies in Ohio

If you prefer not to buy a policy the state offers the following alternatives

  • Have a $30,000 deposit with the office of the Treasurer in the state. This can be either cash or government bonds.

  • If you have real estate equity of $60,000 your can get a bond in the amount of $30,000 signed by two individuals.

  • A certificate of self-insurance issued by the Bureau of Motor Vehicles (BMV).

  • A $30,000 bond issued by a surety or insurance firm.

Average Coverage in Ohio

Since there are minimums for each state it is good to know what the average driver in the state of Ohio has covered per vehicle per policy:

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 50,000

  • Uninsured Motorist Protection – 25,000/50,000

  • Comprehensive Coverage – $500 deductible

  • Collision Coverage – $500 deductible

  • Medical Payments – $5,000

Top 20 cities with the lowest average insurance rate

RankCityAverage Annual Rate
6Cuyahoga Falls$989
18Cleveland Heights$1,198

Graph of Cities in Ohio with the Lowest Insurance Rate

This is a graph of the most affordable cities to get car insurance in Ohio, Elryia, Loraine, Mentor, Mansfield.

Most affordable cities in Ohio to get car insurance

It is important to make sure your policy is customized to fit your vehicular needs and how you use your vehicle.

Be sure to compare as many car insurance rates as possible since there are firms which can offer you more than minimum coverage while maintaining a low cost.

Then you will have a policy which will cover your assets without putting you at risk.

Local Car Insurance Agents in Ohio & Average Rate

Click on any city link to find local agents in your area

City Average RateCity Average Rate
Cuyahoga Falls$1,429North Olmstead$1,577
Gahanna$1,526West Chester$1,477
Huber Heights$1,365Willoughby$1,376

Driving without insurance fines and penalties

  • First Offense – Loss of license, plates, and registration until requirements are met. Pay a reinstatement fee of $100.

  • Second Offense – Loss of license and registration for one year; a reinstatement fee of $300.

  • Third Offense – Loss of license and registration for two years; a reinstatement fee of $600.

  • If you fail to surrender your license to the police officer there is an additional $50.00 penalty.

  • Drivers are required to maintain special “high-risk” coverage on file with the Bureau of Motor Vehicles (BMV) for three to five years.

Once a driver has been convicted of driving without insurance in a court of law in OH and violates their suspension, their license plates and vehicle will be confiscate for thirty days on the first offense and sixty days on the second offense.

For additional offenses the driver’s vehicle will be confiscated and sold at an government auction and will not be permitted to register a vehicle in the state of OH for a minimum of five years.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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