Find out how much you can save on Ohio car insurance.

Download the app. Take a test drive around the Buckeye State. Get a free quote.

Why choose Root for your Ohio auto insurance policy?

Root is proud to call the Buckeye State home. We started in Ohio because it’s where innovation, hard work, and fair play intersect. And Root is founded on the principle of fairness, which means good drivers get up to 52% off their current rates.

What makes Root different from traditional insurers in Ohio?

We base rates primarily on how you actually drive, not just your demographics like age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download a free app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy—all within the app. And because we don’t insure high-risk drivers, good driving Ohioans save up to 52%.

Root is disrupting the broken insurance system and driving Ohio into the future!

It’s a good time to be a good driver in Ohio.

Since Ohio is now an electronic proof of insurance state, you’ll always have legal proof of coverage on hand. Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of Ohio—from Cleveland to Cincinnati, Toledo to Dayton, and in every corner of our mighty state.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in Ohio?

Ohio requires drivers to carry valid proof of insurance with them at all times (Root policyholders can find their electronic proof of insurance right in the Root app). Liability coverage—the minimum coverage Ohioans 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). And don’t worry, Ohioans are not required to carry no-fault insurance.

Minimum liability coverage Ohio drivers must carry:

  • $25,000 for injuries or death, per person
  • $50,000 total for injuries or death to 2 people or more in any 1 accident
  • $25,000 for property damage in an accident

When you need to show proof of insurance:

  • When you’re in a car accident
  • When a police officer requests it at a traffic stop
  • When the BMV randomly selects you (you’ll be sent a notice by mail, and will have 21 days to submit proof of insurance)

Fines and penalties when you’re caught without insurance:

  • You’ll lose your driving privileges and have to pay a reinstatement fee to regain them
  • Your license plates and registration will be suspended
  • You’ll have to file an SR-22 (an often costly proof of insurance, usually filed by your insurance carrier, that guarantees you’ll remain insured for a specific period of time—this service is free with a Root policy)

What other coverages does Root offer?

  • Collision
  • Comprehensive
  • Medical Payments
  • Personal Injury Protection
  • Uninsured/Underinsured Motorist Bodily Injury (UM/UIM)
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

How much are other drivers paying for Ohio car coverage?

Good news! Ohio ranks 2nd for cheapest car insurance rates in the United States. This means competition is fierce among insurers in our state and you’re more likely to pay less. The average Ohioan pays $919 2 per year for their auto policy, but many people are paying much more. Root customers are saving up to $1,142 per year, on average—all while enjoying simple, fair car insurance.

What our customers in Ohio tell us

Root car insurance app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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