Ohio Car Insurance

Ohio car insurance laws are administered by the Ohio Bureau of Motor Vehicles and all vehicles registered must comply with Ohio’s Financial Responsibility Law. It is illegal by Ohio law to drive without car insurance, so start shopping for Ohio auto insurance now with our free tool below. You can find Ohio car insurance rates as low as $86/mo.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 22, 2020

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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In a nutshell...

  • Expanded limits of coverage and different types of insurance all should be considered to get the full coverage you need
  • As with most states, driving with no car insurance can result in very heavy fines and penalties
  • Liability insurance only covers damage to other peoples vehicles

Ohio car insurance laws are administered by the Ohio Bureau of Motor Vehicles and all vehicles registered must comply with Ohio’s Financial Responsibility Law which requires minimum levels of liability insurance.

While most Ohio drivers simply obtain a car insurance policy through a company such as Geico or Allstate, Ohio also allows drivers to waive the typical car insurance policy requirement by depositing $30,000 with the Ohio Bureau of Motor Vehicles.

Enter your zip code above to get FREE car insurance quotes today!

Ohio Car Insurance Laws

State minimum auto insurance rates and requirements vary from state to state. Compare state to state below:

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Driving with no insurance in Ohio will result in suspension of both your driver’s license and vehicle registration, not to mention the possible personal liability.

Drivers must carry proof of insurance at all times and Ohio law requires minimum car insurance liability insurance of at least:

  • $12,500 liability insurance per accident per person
  • $25,000 liability insurance for injuries of all passengers per accident
  • $7,500 property damage liability

A few more details surround qualifying for this alternative option to typical auto insurance but for some drivers, it can make sense. Most still opt for car insurance though through a car insurance company.

Your average monthly car insurance rates may not increase as much as you might think by adding additional coverage like comprehensive. Review rates for auto insurance coverage below:

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Can I buy more Ohio car insurance?

Of course, it’s highly recommended by most financial advisors. Ohio car insurance laws require very small amounts of coverage, so almost no driver should ever opt for just the bare minimum policy coverage.

Liability insurance only covers damage to other peoples vehicles so if you do just purchase Ohio minimum car insurance requirements in a policy you will have no coverage for damages you or your vehicle sustain in a car accident.

It is illegal by Ohio law to drive without car insurance. Law enforcement officials are empowered with the right to impound and immobilize your license plates for up to 30 days for the first offense.

Ohio Car Insurance Discounts

With over 150 licensed car insurance companies in Ohio, residents should have no problem finding an auto insurance provider. Average Ohio car insurance rates are almost 40 percent lower than almost any state.

In fact, only 2 states have lower average car insurance premiums than Ohio but this does not mean you still can’t save money on premiums.

All the normal car insurance discounts apply in Ohio including the good driver discount, multi-policy discounts.

ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in OH.

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Gender and age will affect your auto insurance. Younger drivers are often in a higher risk class. See if the gender stereotype (males vs female car insurance rates) holds true in OH.

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Six major factors affect car insurance rates in Ohio. Which auto insurance factors will affect rates the most? Find out below:

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Who is the cheapest car insurance company in OH? Review the average auto insurance rates by company below:

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Who are the largest auto insurance companies in OH?

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Shop around and compare Ohio car insurance companies as compared to Michigan, Louisiana, and other very expensive states it will seem like a deal buying Ohio car insurance from nearly every provider.

Enter your zip code below to get FREE car insurance quotes today!

References:

  1. http://www.bmv.ohio.gov/
  2. https://www.thebalance.com/how-to-get-insurance-without-a-license-527247
  3. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  4. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Ohio Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Ohio
Factors Affecting Car Insurance Rates in Ohio
Ohio Car Insurance Rates by Company vs. State Average
Ohio Car Insurers by Market Share %