Car Insurance in Ohio

Compare Auto Insurance in Ohio

Ohio Auto Insurance Minimums

  • $12,500 bodily injury for one person
  • $25,000 per accident
  • $7,500 for property damage
  • Click here for more auto insurance minimums in Ohio.

Ohio DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Enhanced sentencing for BAC of 0.08% and higher.
  • Click here for more DUI laws in Ohio.

Ohio SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in Ohio.

Ohio Hands-Free Laws

  • The Ohio legislature is considering several cell phone/texting laws.
  • Ohio House Bill 415 prohibits text-based communications while operating a motor vehicle.
  • Click here for Hands-Free laws in Ohio.

Ohio Teen Auto Insurance

  • Ohio utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • Ohio teen drivers must be at least 15 years, 6 months to receive a temporary instruction permit.
  • Click here to learn all you need to know about Ohio teen driver laws.

The State of Ohio requires all motorists to carry either liability insurance or proof of financial responsibility when they drive. Since most individuals do not have the personal resources to prove financial responsibility to the state, auto insurance coverage is the means available to protect yourself in the event of an accident.

Driving without proof of insurance or financial responsibility is a serious offense and carries harsh penalties. Your driver’s license can be revoked, your driving privileges taken away, your car impounded and you can be charged court costs.

If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Ohio requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $12,500 total for bodily injury coverage, per person
  • $25,000 total for bodily injury coverage, per accident
  • $7,500 total for property damage, per accident

It’s important to remember that these amounts are strictly the minimum which the State of Ohio requires to maintain legal coverage. Many times, these minimum numbers are woefully inadequate to fully cover damages which occur in an accident for which you are found legally responsible. To avoid having to pay the cost difference out-of-pocket, you may want to consider choosing higher amounts of insurance coverage when you purchase your own policy.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state’s minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Uninsured/Underinsured Motorist Coverage, Collision Coverage, and Comprehensive Coverage.

For any other concerns or questions, please contact:

Ohio Department of Insurance

50 W. Town Street
3rd Floor, Suite 300
Columbus, Ohio 43215
(614) 644-2658

Ohio Car Insurance Agents

If you live in Ohio and are looking for an auto insurance agent to help you with your insurance needs, you’ve come to the right place.

Auto insurance agents are fully qualified professionals whose goal is to make the process of buying auto insurance easy and enjoyable for you- their customer. They are able to compare prices from different insurance companies and find the best combination of coverage and cost.

By knowing what to ask and thoughtfully listening to your questions and concerns, a good agent can put together a policy which is just right for you- one that protects you and your property as well as your assets. A trusted professional agent will stand by you when you have to submit a claim and will work hard to ensure that your policy is up-to-date and continues to meet your needs and personal situation. Circumstances can change over time and it is the business of a good agent to adapt your policy to any such changes.

If you would like to receive a quote from a qualified agent, please use our Agent Locator to find an extensive list of agents in your local area. You can depend on any one of these agents to maintain a high standard of professional excellence while working hard to make sure you get the best Ohio Auto Insurance policy possible.

Tips to saving money on your insurance premiums

  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • If you’re purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • If you have a teenage driver in the family, ask about teen driver discounts.
  • Maintain a clean driving record. This can add up to big savings when buying auto insurance.
  • Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Before applying for insurance, obtain copies of your personal credit report from the three major credit bureaus and check them for accuracy. Report any errors or out-of-date information directly to the reporting bureau.

By taking advantage of these money-saving tips and working with a professional insurance agent, you can be confident that you are getting the lowest possible rate on a comprehensive auto insurance policy! is the ideal solution if you are looking to save on your Ohio auto insurance premiums. is an online insurance marketplace with all the information people need to make a sensible insurance decision. With a comprehensive list of insurance providers and their best insurance products, you can select a policy with the lowest rate. is the site that you must visit if you’re looking to save not just money, but also time and effort.