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Better rates for better drivers in Ohio

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Fair car insurance in Ohio

From Cincinnati to Cleveland and Toledo to Columbus, Ohioans get fair and affordable car insurance. Download the Root app, complete the test drive, and then see what you’ll save on your Ohio car insurance quote. If you’re a good driver, you could get quality insurance and save hundreds.

How it works

Traditional auto insurance companies base your rate on your demographic data, like your age, marital status, and ZIP code. We know that’s not a fair way to offer car insurance. That’s why at Root, we base your car insurance rate primarily on how you drive, not who you are.

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Visit the App Store or Google Play. Sign up in less than a minute.

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Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

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Get your quote

You can customize and purchase your policy, all in the Root app.

State requirements for car insurance in Ohio

What are the minimum auto insurance requirements in Ohio?

Ohio requires drivers to carry valid proof of car insurance with them at all times (Root policyholders can find their electronic proof of insurance right in the Root app). Liability coverage—the minimum auto insurance coverage drivers in OH must carry—helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do).

Liability coverage

Liability car insurance helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what MedPay is for) or your vehicle (but Collision and Comprehensive coverages do).

Minimum liability coverage Ohio drivers must carry:

  • $25,000 for bodily injury (per person)

  • $50,000 for bodily injury (per accident – multiple people injured)

  • $25,000 for property damage per accident

You can select higher limits if you’d like more coverage.

What other coverages does Root offer?

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Rental Car coverage

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Personal Injury Protection

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Medical Payments


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(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of Ohio car insurance?

Good news—Ohio ranks 3rd for cheapest car insurance rates in the United States. The average Ohio driver pays $1034[1] per year for their auto insurance, but many people are paying much more. Root doesn’t insure high-risk drivers, so our customers are saving up to $900 a year on their car insurance.

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Start saving on car insurance in Ohio

Get an auto insurance quote based primarily on how you drive. You could save hundreds.

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  1. Annual average rates were compiled in April 2020

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.