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 car insurance quote. If you’re a good driver, you could get quality insurance and save hundreds.
State requirements in Ohio
What are the minimum auto 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 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 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 is the average cost of car insurance in Ohio?
Good news—Ohio ranks 3rd for cheapest car insurance rates in the United States. The average Ohio driver pays $1034 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.