120+ more*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on May 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Ohio within the last 10 days. Last updated on May 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Ohio car insurance requirements are 25/50/25, which translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[1] All drivers must purchase and maintain at least this much insurance for their vehicles in order to drive legally.
But Buckeye State drivers have some of the best options for cheap car insurance. Ohio’s average rate for liability car insurance is $72 per month for minimum coverage but starts as low as $35 per month.
States set different minimum coverage requirements for drivers so that they can pay for damages and injuries after a car accident. If you’re the at-fault driver, you pay for other parties’ injuries and damages through your liability insurance, up to the policy limits.
Ohio requires that all drivers purchase two types of liability insurance coverage: bodily injury liability and property damage liability.[1]
If you injure someone in an auto accident you caused, your bodily injury liability coverage kicks in to pay their medical bills. It’ll also help pay your legal defense costs in case someone sues you. Ohio law requires you to carry a bodily injury liability policy with coverage of at least $25,000 per person and $50,000 per accident.[1]
Property damage liability coverage reimburses parties for damages you cause their property. This includes vehicles, fences, light poles, structures, and more. In Ohio, you must carry at least $25,000 in property damage liability coverage.[1]
Keep in mind that these are the minimum coverage amounts. If someone sues you for amounts that exceed these minimum limits, you’re personally liable for the excess amount. For many people, that would be financially catastrophic, so they purchase higher coverage amounts.
If you financed or leased your car, chances are your lender or lessor will require a full-coverage policy.
Full-coverage insurance doesn’t have a formal definition, but it usually describes a policy that includes liability insurance, comprehensive, collision, and personal injury protection (PIP) or medical payments coverage.
Rates start at $35 per month
Liability-only policies are usually the cheapest car insurance policies in Ohio, costing an average of $72 per month, based on Insurify data.
Here are average quotes from the best and cheapest liability insurers in the state.
Insurance Company  | Average Monthly Quote |
|---|---|
| Mile Auto | $35 |
| State Farm | $38 |
| Auto-Owners | $44 |
| Erie | $44 |
| USAA | $49 |
| American Family | $54 |
| Nationwide | $56 |
| CSAA | $60 |
| Safeco | $60 |
| Progressive | $62 |
| The General | $64 |
| Root | $68 |
| Commonwealth Casualty | $72 |
| Direct Auto | $83 |
| Allstate | $83 |
| Bristol West | $85 |
| Dairyland | $87 |
| Clearcover | $89 |
| Travelers | $90 |
| Farmers | $92 |
| National General | $92 |
| Hugo | $105 |
| GAINSCO | $107 |
| Liberty Mutual | $117 |
| State Auto | $127 |
| Foremost | $149 |
While average full-coverage policies cost more than liability policies, it’s still possible to find cheap rates. In Ohio, the average full-coverage car insurance policy costs $127 per month.
The table below shows average rates from top full-coverage car insurance companies in Ohio.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $46 |
| State Farm | $64 |
| Auto-Owners | $75 |
| Erie | $75 |
| USAA | $83 |
| American Family | $92 |
| Nationwide | $95 |
| Safeco | $99 |
| CSAA | $104 |
| Progressive | $105 |
| Root | $122 |
| Direct Auto | $127 |
| The General | $128 |
| Allstate | $141 |
| National General | $145 |
| Travelers | $152 |
| Farmers | $157 |
| Clearcover | $161 |
| Liberty Mutual | $185 |
| Commonwealth Casualty | $194 |
| Bristol West | $197 |
| Dairyland | $215 |
| State Auto | $216 |
| GAINSCO | $223 |
In Ohio, it’s important to always have proof of insurance with you when you drive. Driving without insurance is a serious offense with many consequences.
If the state convicts you of driving without insurance, you face license suspension for three months on your first offense and up to one year for subsequent offenses. You also face vehicle impoundment.[1]
To get your car and license back, you’ll have to pay several costs and fines under state law:[1]
Court costs: These include any court-imposed fees and costs for your court hearings and legal proceedings.
Impound fee: This varies by impoundment lot.
License reinstatement fee: You’ll pay $75 to get your license back, and up to $500 for repeat offenders.
Auto insurance coverage: You may have to file SR-22 insurance with the Ohio Department of Insurance.
See personalized quotes from top auto insurers in minutes
Liability insurance policies protect you from some of the most catastrophic costs, but not all of them. Drivers can add other coverages to their policies for more protection from various situations.
Here are some optional insurances to consider:[2]
Collision coverage pays for vehicle damages and repairs from hitting another car or object, regardless of fault.
Comprehensive insurance protects against non-collision incidents, like theft and severe weather, as well as collisions with animals.
If your car breaks down during travel, roadside assistance pays for towing, battery jump-starts, tire changes, and more.
Personal injury protection (PIP) coverage will help pay for medical bills, lost wages, or other related expenses for you and any other passengers in your car if you’re involved in an auto accident.
Uninsured/underinsured motorist coverage pays for your damages and injuries if someone without car insurance — or limits too low to cover your expenses — causes an accident with you.
Still have questions about Ohio car insurance requirements? Here are some quick answers.
Yes. Ohio law requires all drivers to purchase 25/50/25 minimum liability insurance. This translates to $25,000 per person and $25,000 per accident for bodily injury liability and $50,000 per accident for property damage liability. Alternatively, drivers can purchase a $30,000 bond in order to self-insure.[1]
Ohio requires drivers to maintain $25,000 per person and $50,000 per accident for bodily injury liability coverage and $25,000 per accident for property damage liability.[1]
Yes. When you register a new vehicle or renew your registration in Ohio, you need to sign a proof of financial responsibility statement. This requires you to purchase car insurance first.[3]
You must maintain an active insurance policy at all times while driving in Ohio, even if you drive a new car off the lot. If you already have a car insurance policy in place, many auto insurance companies will automatically cover the new car with your previous policy’s limits, but you must officially transfer your coverage or add the car to your policy within 30 days.
Car insurance generally follows the car — including in the Buckeye State — so if a family member or friend has permission to drive your car, your policy covers them. However, your car insurance follows you in some cases, like if you rent a car.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
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