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Ohio Car Insurance


Ohio's minimum car insurance coverage rates include $12,500 in bodily injury liability per person and $25,000 per accident. The property damage liability minimum is set at $7,500. These are just the minimum levels, and in many cases you should get more coverage than the minimums in order to protect your assets in the result of an accident. You should also consider getting collision insurance to protect your car, and comprehensive insurance to cover any damage to your car that doesn't occur from a collision (like if a tree falls on your car). If you get into an accident and you don't have enough coverage, then you are personally liable for any damage that you're at fault for.

The good news is that Ohio has some of the lowest auto insurance rates in the country. If you don't get a quote that you can afford, you should check with other insurance companies to see if you can get a better rate on your premiums. All car insurance companies calculate their rates for individuals differently, so you should be able to find a price that you can afford if you search around and compare rates.

Ohio does not technically require that you have auto insurance. There are some alternatives available. You can get a government bond, or a bond issued by an insurance company for $30,000 and put it on deposit with the Ohio Treasurer. If you're a small business and have at least 25 vehicles in your fleet you can get a certificate of self-insurance and submit it to the Ohio DMV. If you're like most people you want to get standard insurance and you can start that process by filling in your zip code at the top of this page to compare quotes from several insurance companies.

Find more insurance information on a major Ohio city:

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