Ohio Auto Insurance: Rates & Requirements
Ohio requires 25/50/25 liability coverage and is an at-fault state.
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Ohio at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Ohio operates as a tort-based liability state, meaning the at-fault driver is financially responsible for damages in an accident. All drivers must carry proof of insurance and provide it at traffic stops, accident scenes, and BMV registration renewals.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
$40–$64/mo
Typical monthly rate in Ohio, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateFrequently Asked Questions
Can I drive in Ohio with out-of-state insurance?
Yes, if you're a visitor or temporary resident, but your policy must meet or exceed Ohio's 25/50/25 minimum liability limits. Ohio residents must obtain Ohio-issued policies within 30 days of establishing residency. Driving with out-of-state coverage below Ohio minimums subjects you to penalties for operating uninsured.
Does Ohio require full coverage car insurance?
No — Ohio only mandates 25/50/25 liability coverage. Full coverage (liability plus collision and comprehensive) is required only if you finance or lease your vehicle, as lenders protect their collateral interest. Drivers who own vehicles outright legally need only liability insurance, though they absorb all repair costs if they cause an accident.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Ohio's 25/50/25 minimum is the legal floor but leaves you personally liable for any costs exceeding these limits.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal obligation and your vehicle's value. Typically cost-justified only for financed vehicles or cars worth over $5,000–$7,000.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene. Optional in Ohio but insurers must offer it at policy inception and renewal.
Collision Coverage
Repairs or replaces your vehicle after an at-fault crash or single-vehicle accident, minus your deductible. Drop this on vehicles worth under $3,000 to save $30–$60/month.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, hail, falling objects, and animal strikes. Typically costs $15–$40/month with a deductible of $250–$1,000.
SR-22 Insurance
Not a separate coverage but a state filing proving you carry minimum liability insurance after certain violations. Required in Ohio for DUI, driving uninsured, or excessive points.