120+ more)
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
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In Ohio, you typically can’t buy a car insurance policy for fewer than six months. And whether you buy a six-month or 12-month policy, your payment options are usually monthly, quarterly, or in full at the start of the policy.
But you may be able to find insurance companies that offer more flexible payment options that let you pay only for the coverage you need. For example, Insurify Car lets users pay for coverage one week at a time.
The average cost of a standard car insurance policy in Ohio is $93 per month.
Learn more about car insurance in Ohio, including when you might need it, how much it costs, and how to get a policy.
Temporary car insurance doesn’t really exist in Ohio. But you can purchase a standard policy and cancel it early if you need coverage for a shorter time.
Ohio requires drivers to provide proof of liability insurance if they’re stopped for a traffic violation or involved in an accident.
Insurify Car offers weekly car insurance in Ohio that you can start online.
Temporary car insurance in Ohio doesn’t really exist, and most major insurers in the state don’t offer this type of coverage. That’s because a short-term policy would be a higher financial risk for the insurer. But you can find car insurance with flexible payment plans.
Ohio law states that drivers must carry a minimum amount of liability insurance:[1]
$25,000 for injury or death of one person
$50,000 for injury or death of two or more people
$25,000 for property damage
You must show proof of your auto insurance policy if you’re involved in an accident or stopped for a traffic violation.
Insurify Car makes it affordable and easy to get same-day liability coverage
Traditional car insurance policies usually last six or 12 months, and short-term or temporary policies don’t exist. Instead, you can look for policies with flexible payment and cancellation options.
Generally, you have four insurance options:
Best for: Weekly budgeters
Weekly car insurance policies allow you to pay for your insurance on a weekly basis rather than a monthly basis, making it a good option for budget-conscious drivers. You can either cancel the policy after a week or let it roll over. You can often get same-day coverage.
Best for: Longer-term temporary coverage
Monthly car insurance might be the best choice if you’re staying with friends or family for several months and plan to drive their car. You should be able to get coverage immediately.
Best for: Occasional drivers
If you don’t drive often but live with someone who has a car, consider a non-owner policy. This policy covers you, the driver, rather than a specific car.
Non-owner car insurance only provides liability coverage and won’t cover damage to the car you’re driving. You can often get coverage the same day you apply.
Best for: Frequent travelers
Your current car insurance might cover your rental car. But if it doesn’t — or if you don’t have your own policy — you’ll need rental car insurance, which you can get the same day.
Your rental company will offer basic liability coverage in accordance with Ohio laws. You can often purchase supplemental liability insurance for additional coverage.
Insurify Car offers state-minimum liability coverage in Ohio and several other states. You can pay for your policy seven days at a time and cancel at any time. It’s ideal for people who need coverage quickly or who can’t afford monthly premiums.
The main benefits of Insurify Car include:
Fast, immediate coverage
Manageable initial payment
Flexible payment options
Ability to cancel anytime
Personal data protection
To get coverage, you’ll complete a short online quote form. You can purchase your policy online by only paying for your first seven days of coverage. You’ll get proof of insurance right away. Simply choose your cancellation date or let your policy continue from week to week. You can cancel anytime and pay for seven days of coverage at a time.
Insurify Car is ideal for occasional drivers who need immediate coverage. It’s also great if you prefer to budget weekly or don’t have the money to put down a one-month premium up front.
Car insurance in Ohio from companies that offer flexible payment options ranges between $41 and $132 per month. Your cost for coverage will vary depending on where you live, your age, your vehicle type, duration of coverage, and your driving record, among other factors.[2]
Living in a large city like Columbus or Cleveland puts you at a higher risk for accidents than someone living in a rural area like Adams County or Hocking County, and that means you’ll pay higher premiums.
The following car insurance companies offer car insurance with flexible payment options, though the costs listed in the table below are monthly, since that’s how most insurers price their car insurance rates.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Mile Auto | $41 |
| Hugo | $59 |
| Nationwide | $67 |
| Allstate | $100 |
| Insurify Car | $133 |
Save up to $1,100 per year on coverage
Ohio drivers may consider a flexible-payment policy in one of the following scenarios:
Visiting Ohio for a few months: You may need temporary coverage if you’re planning to stay with a friend or family member for a few months, will drive their car, and you don’t have a policy in your home state.
Buying or selling a car: You might need flexible auto insurance coverage if you’re selling a vehicle you recently bought and no longer plan to drive long term.
Test-driving a car: If you don’t currently have coverage, you may need a policy to cover you while test-driving a car.
Putting your vehicle in storage: Since you’re not driving your vehicle regularly, this can provide basic coverage when you need it.
In Ohio, you can purchase a six-month policy and cancel it early. Just check the policy terms to see if there’s an early cancellation fee.
While true temporary car insurance doesn’t exist in Ohio, you can get car insurance the same day you apply from most insurers. Many insurers have online quotes and application forms that they process within minutes.
Check that the insurer provides proof of insurance immediately so you can provide it if asked. You’ll typically receive a virtual insurance ID that you can keep on your phone and show as needed.
Like most states, Ohio requires drivers to carry a minimum amount of liability insurance. Your temporary coverage must meet the following Ohio state insurance requirements:
Coverage Type | Ohio Minimum |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
If your auto policy ends and your coverage lapses, you’ll face penalties if you continue driving. Here are the penalties in Ohio for driving uninsured:[2]
90-day driver’s license suspension
Potential vehicle impoundment
No driving privileges during suspension
Minimum $75 reinstatement fee
Potential court costs and impound fees
Being uninsured for more than 30 days could make you a high-risk driver in Ohio, which can drive up your insurance rates in the future.
Insurify partners with 120+ top insurers for real-time quotes
The process for obtaining car insurance in Ohio varies by insurer. But generally, you can follow these steps to get coverage:
Gather quotes. Get online quotes from several insurers.
Compare your options. Compare the car insurance quotes to find the right option for your needs.
Select your policy. Choose the policy with the best price and that meets Ohio’s minimums.
Complete your application. Complete the application process by providing your personal information.
Secure your proof of coverage. If approved, receive your insurance ID card and keep it somewhere easily accessible.
It depends on the insurer, but with Insurify Car, for example, you can either choose a cancellation date when you apply for coverage or let the policy roll over from week to week. Check whether the insurer charges a fee if you need to cancel before the policy’s end date.
A full understanding of temporary car insurance can help you make the best coverage decisions in Ohio.
Technically, no. All insurers offer only policies ranging from six to 12 months. But several insurers, including Hugo and Insurify Car, offer insurance with flexible payment and cancellation schedules in Ohio.
Not really. Insurers don’t offer one-day car insurance in Ohio. The minimum before you can cancel is generally one week. The only way to get a one-day policy is to purchase rental car insurance.[3]
Ohio requires all drivers to have $25,000 of liability coverage for the injury or death of one person, $50,000 for the injury or death of two or more people, and $25,000 for property damage in an accident.
All insurance policies last either six or 12 months. If you need to transfer a title in Ohio, look for an insurance policy that allows you to cancel it at any time like Insurify Car. But there may be penalties or fees for cancelling.
No. Temporary car insurance in Ohio typically only provides state-minimum liability insurance. It doesn’t include uninsured motorist coverage, collision coverage, or comprehensive coverage.
For a policy in Ohio, you can typically cancel after one week. But your insurer might charge you a fee or penalty for early cancellation.
Insurify data scientists analyzed more than 190 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 500+ 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.
)
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.