Cheapest Liability Car Insurance in Ohio (2026)

What is liability car insurance?

Standard car insurance policies include liability insurance, which helps pay for medical expenses and repair costs when you’re responsible for a car accident that injures others or damages their property.

Liability insurance doesn’t cover your own injuries after an accident, and it won’t pay to repair or replace your car after a collision, theft, vandalism, or a natural disaster. Instead, liability coverage protects pedestrians, property owners, and other drivers and their passengers.

Ohio requires all drivers to carry a minimum amount of liability coverage. This helps ensure drivers can pay for injuries and property damage they may cause to others.

If you want to cover your own vehicle, full-coverage car insurance does that by including comprehensive and collision coverage.

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Cheapest liability car insurance in Ohio

The average cost of car insurance in Ohio is $64 per month for liability-only coverage and $117 per month for full coverage. 

Liability coverage is typically cheaper than full coverage, but the cost you’ll pay for either coverage depends on factors like your driving history, age, credit history, ZIP code, and more.

The companies in the following table offer the cheapest liability-only car insurance rates in Ohio, according to Insurify data.

The below rates in Ohio are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Mile Auto	$35
State Farm	$36
Progressive	$41
Auto-Owners	$42
Erie	$42
Commonwealth Casualty	$46
GEICO	$46
USAA	$46
Safeco	$48
The General	$48
Certainly	$50
American Family	$51
Trexis	$56
Hugo	$57
AssuranceAmerica	$58
Trexis One	$61
First Acceptance	$62
Direct Auto	$66
Elephant	$66
GAINSCO	$66
Clearcover	$70
Bristol West	$71
Dairyland	$74
Root	$76
Allstate	$79
National General	$79
Liberty Mutual	$81
Travelers	$85
Farmers	$88
Insurify Car	$106
State Auto	$122

Disclaimer: Table data sourced from real-time Ohio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Ohio may vary based on the policy buyer's unique driver profile.

Minimum liability car insurance requirements in Ohio

To meet Ohio’s minimum car insurance requirements, you’ll need:^[1]

• Bodily injury liability coverage: This type of coverage helps pay for the other person’s medical bills, up to your policy limits, if you cause an auto accident.

• Property damage liability coverage: If you’re responsible for a car accident, this type of coverage pays for damage you cause to another person’s car or other type of property, such as a telephone pole.

Ohio’s minimum auto insurance coverage limits are:^[2]

• $25,000 in bodily injury liability coverage per person

• $50,000 in bodily injury liability coverage per accident 

• $25,000 in property damage liability coverage per person

Is minimum liability coverage enough in Ohio?

Buying a minimum-coverage policy allows you to pay the cheapest rates while fulfilling your legal auto insurance requirements in Ohio. But for many Ohio residents, coverage that meets minimum requirements isn’t enough. 

If a driver is at least 50% responsible for causing an accident, the state allows the other party to sue to recoup their costs.^[3] Higher liability limits can help you pay for legal expenses in these situations.

You may need full-coverage insurance and/or higher liability coverage limits if:

• You have an auto loan or lease.

• You drive a new or expensive vehicle.

• You have significant assets or a high net worth.

• You rely on your car and can’t afford to replace it out of pocket.

• You live in a high-population city, such as Columbus, Cleveland, or Cincinnati.

• You live in a high-crime area and park on the street.

Adding more coverage or raising your limits increases your costs, but comparing Ohio car insurance quotes can help you find the cheapest rate for your situation.

Penalties for driving without liability insurance in Ohio

In Ohio, drivers must show proof of coverage at traffic stops, vehicle inspections, and traffic court appearances.^[4] Driving without auto insurance in Ohio has serious consequences, including:

• First offense: The state will suspend your license until you meet reinstatement requirements, which include paying a $40 reinstatement fee and getting an SR-22 filing. The SR-22 must be on file for one year.

• Second offense within one year: The state will suspend your license for one year, charge you a $300 reinstatement fee, and require an SR-22 filing for one year.

• Third offense within one year: The state will suspend your license for two years, charge a $600 reinstatement fee, and require you to carry an SR-22 filing for one year.

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How to find cheap liability car insurance in Ohio

While it’s easy to find cheap car insurance in Ohio, you can lower your premiums even more by qualifying for discounts. Here are a few ideas:

• Take steps to improve your credit. Ohio allows insurers to use credit-based insurance scores as a factor when pricing auto insurance policies. Paying your bills on time, reducing debt, and correcting errors on your credit reports may help improve your credit scores, which could lead to lower insurance rates.

• Complete an approved defensive driving course. If you’re between the ages of 60 and 70, completing an approved accident-prevention course can qualify you for a premium discount required under Ohio law. You can renew the discount by retaking the course every three years.

• Practice safe driving habits. About 5.5% of Ohio drivers have a speeding ticket on their records, according to Insurify data. If you get one of these violations, you’ll have points on your record for two years.^[5] But if you can avoid traffic tickets, at-fault accidents, and charges for operating a vehicle while impaired (OVI), you can prevent big rate hikes for being a high-risk driver.

• Compare quotes every six months. Auto insurance rates change frequently, and each insurer weighs risk differently. The company that was cheapest when you bought your policy may no longer offer the best rate. Shopping around before every renewal can help you find a lower premium.

• Raise your deductibles. If you have collision and comprehensive coverage, consider choosing higher deductibles to help lower your premiums.

• Ask about discounts. Insurers commonly offer car insurance discounts, but they vary with each company. Some common ways to save include enrolling in paperless billing, keeping a clean driving record, signing up for automatic payments, paying your premium in full, insuring multiple vehicles, and earning a good student discount.

Liability car insurance in Ohio FAQs