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Ohio Car Insurance Laws and Requirements (2022)

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Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Amy Beardsley
Written by
Amy Beardsley
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Written by
Amy Beardsley
Insurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Jackie Cohen
Edited by
Jackie Cohen
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Edited by
Jackie Cohen
Editorial Manager
Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Updated June 24, 2022

Ohio law dictates the minimum requirements for insurance coverage that all drivers must carry. All drivers in Ohio must hold 25/50/25 in bodily injury liability per person, bodily injury liability per accident, and property damage liability. Additionally, drivers can pick from a long list of additional coverages for added protection.

Quick Facts

  • Car insurance is required by law in Ohio.

  • Drivers in Ohio must carry 25/50/25 in bodily injury liability and property damage liability insurance.

  • If caught driving without insurance, drivers face $600 in fines and potential jail time.

Minimum Car Insurance Requirements in Ohio

The minimum car insurance coverage requirements for Ohio[1] auto insurance are:

  • $25,000 for bodily injury liability per person

  • $50,000 for bodily injury liability per accident

  • $25,000 for property damage liability per accident

Ohio drivers have the option to get a bond or post collateral instead of buying auto insurance. However, the Ohio Bureau of Motor Vehicles (BMV) requires motorists to have $30,000 in cash or bonds—which may be out of reach for most Ohio residents.

Why is car insurance required in Ohio?

Auto insurance protects drivers from financial liability in the event of an accident. Depending on a policy’s specific coverage limitations, car insurance may cover everything from vehicle damage to medical bills.

Bodily Injury Liability

Bodily injury liability is part of your liability car insurance coverage. If you cause an accident, this coverage will help cover the other party’s medical expenses. This type of coverage will not cover your own medical expenses for injuries sustained in a car accident you caused. Bodily injury liability coverage is required in Ohio.

Property Damage Liability

Property damage liability is the other half of your liability car insurance. It covers repair costs and damage expenses to the other cars involved in an accident you caused. This coverage does not cover damage to your own car in an accident you were at fault for. Property damage liability coverage is required in Ohio.

See More: Cheap Car Insurance in Ohio

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Is state minimum car insurance enough in Ohio?

The minimum required car insurance coverage in Ohio provides drivers with a solid foundation of auto insurance coverage, but it may not be enough for everyone. The minimum required $25,000 in damages isn’t much compared to the high cost of medical bills or property damage claims.

Choosing more than the minimum amount of auto insurance can protect your finances. When you don’t have enough insurance coverage or the right type of coverage after an accident, you may have to pay out of pocket for property damage or bodily injury claims. One accident could cost your family a lifetime of financial hardship.

Optional Car Insurance Coverage for Ohio

Ohio drivers who want to be protected in any situation should consider bolstering the minimum car insurance coverage with the following supplemental car insurance coverages:

Collision Coverage

Collision coverage covers damages to your car after a collision with another vehicle or object. If your vehicle is a total loss, collision coverage will reimburse you for the actual cash value of your vehicle. This is a great addition to the required property damage liability coverage in Ohio, which applies only to the damages to the other driver’s vehicle.

Comprehensive Coverage

Complementing your collision coverage, comprehensive insurance covers damage to your vehicle that occurs during an event that is not a collision with another vehicle or object. This may apply in situations of vandalism, theft, weather damage, or a run-in with an animal. Adding comprehensive and collision coverage together creates a full-coverage car insurance policy.

Uninsured/Underinsured Motorist Coverage

If an uninsured (or underinsured) driver causes an accident and you suffer bodily injury, uninsured motorist coverage will cover your medical expenses. If the at-fault driver surpasses their bodily injury liability coverage limits, your underinsured motorist coverage will cover the rest of your medical expenses[2].

Other Supplemental Coverage

For additional protection, consider adding medical payments (MedPay) coverage to your auto insurance policy. MedPay can pay for health insurance deductibles and co-pays, doctor and hospital bills, rehabilitation, nursing care, and more.

Many car insurance companies also offer rental car reimbursement and roadside assistance coverage. Rental car reimbursement can come in handy if your car is in the shop and you need a vehicle while you wait for repairs. Roadside assistance can come to the rescue if you experience unexpected issues on the road.

See More: Average Cost of Car Insurance in Ohio

Penalties for Driving Uninsured in Ohio

It is illegal to drive in Ohio without the minimum car insurance coverage. It’s also illegal to let someone else drive your vehicle without the minimum insurance coverage. You must have an active policy and proof of insurance. Otherwise, you could face fines and penalties, such as:

  • A fee of $100 and loss of driver’s license on first offense until requirements are met

  • A fee of $300 and loss of driver’s license for one year on second offense

  • A fee of $600 and loss of driver’s license for two years on third and subsequent offenses

  • Maintaining high-risk auto insurance for three or five years following the incident

High-risk insurance in Ohio refers to special financial responsibility (FR) coverage, which could include getting a bond for $30,000 on deposit with the office of the Treasurer of the State of Ohio.

See More: High-Risk Car Insurance in Ohio

Minimum Requirements for High-Risk Drivers in Ohio

High-risk drivers can have extra requirements to get back on the road. Ohio can require you to get special FR coverage if you lost your driver’s license or have a poor driving record due to DUIs, speeding tickets, or other traffic violations.

Your insurance provider can often provide the necessary coverage. It may also file the SR-22 or FR-44 form on your behalf, depending on what legal documentation is required in your situation.

More Information for High-Risk Drivers in Ohio

DUI Insurance in Ohio

SR-22 Insurance in Ohio

Cheapest Minimum Car Insurance in Ohio

Car insurance companies weigh different factors to determine what to quote drivers on their car insurance policies. Minimum coverage generally means lower car insurance rates. It also means low coverage limits, which may cost you if you’re ever involved in an accident. Here are the cheapest car insurance quotes for minimum coverage in Ohio.

Insurance CompanyMonthly Quote for Minimum Coverage
Progressive$59
Travelers$67
Liberty Mutual$99
Nationwide$122
Dairyland$123
Bristol West$123
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance in Ohio

How to Find Cheap Car Insurance in Ohio

Ohio has some of the lowest average auto insurance premiums in the U.S. But to get the cheapest policy, use Insurify to compare car insurance quotes. You can browse policies that provide cheap minimum required coverage or choose to upgrade your policy with added protection.

Frequently Asked Questions

  • Yes. If you drive in Ohio, you must carry $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability.

  • No. Ohio is not a no-fault state for car insurance. You are considered at fault if you cause the accident and will most likely be liable for the damages. Your car insurance coverage can help you pay for damages suffered by other drivers or passengers in the accident.

  • No. Ohio does not require uninsured motorist protection Bodily injury and property damage liability are required, but protection against uninsured or underinsured motorists is an optional coverage.

  • Yes. The Ohio BMV requires you to have car insurance or other proof of financial responsibility before registering a car[3].

  • Compared to other states, Ohio drivers enjoy some of the lowest average auto insurance premiums. You can get the cheapest rates when you compare car insurance quotes with Insurify.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. Ohio Department of Insurance. "State Minimum Car Insurance Requirements." Accessed June 15, 2022
  2. Ohio Laws & Administrative Rules. "Uninsured and Underinsured Motorist Coverage." Accessed June 16, 2022
Amy Beardsley
Written by
Amy Beardsley
Linkedin

Insurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Learn More
Jackie Cohen
Edited by
Jackie Cohen
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Jackie Cohen
Editorial Manager
Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.Jackie's work has been cited in USA Today, The Balance, and The Washington Times.