Ohio Car Insurance

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Key takeaways...
  • Ohio requires its drivers to obtain car insurance
  • There are stiff penalties for driving without insurance
  • You should consider additional coverage than the minimum required

Many car insurance companies advertise car insurance coverage for Ohio residents and some offer tremendous savings for drivers to switch auto insurance companies.

The most popular way to find the best Ohio car insurance rates is by online car insurance quote comparison.

Compare car insurance quotes right here today! Enter your zip code to see the rates of top companies side-by-side.

Ohio Car Insurance Requirements


It is illegal to drive in Ohio without car insurance or acceptable proof of financial responsibility.

Ohio state law requires every vehicle owner to carry liability insurance coverage which covers the cost of damages and medically related expenses caused by you to another driver in the following amounts:

  • $12,500 liability coverage for injuries related to a single driver
  • $25,000 liability coverage for total cost of injuries related to all passengers involved in an accident
  • $7,500 property damage coverage

An alternative to car insurance is a proof of financial responsibility form filed with the Ohio Bureau of Motor Vehicles which requires a receipt for $30,000 deposited with the Ohio Treasurer among other things.

For those drivers who decide not to carry car insurance and would prefer to file a proof of financial responsibility, contact the Ohio BMV for details. Most drivers opt for traditional car insurance coverage.

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What happens if I drive with no insurance in Ohio?

If you are caught driving without auto insurance in Ohio the fines and penalties can be stiff.

It is illegal to drive without car insurance and Ohio state law provides law enforcement officials the right to immobilize and impound your vehicles license plates on the first offense for 30 days.

You can even lose your vehicle permanently should you commit multiple violations. Driving with no car insurance in Ohio is taken very seriously by law enforcement so you must comply.

Additional Ohio Car Insurance Coverage


Like most states, Ohio has minimum car insurance requirements although these minimums usually never meet a reasonable person’s financial needs.

Car insurance companies offer extended coverage beyond these state minimums for usually a very nominal charge. The possible costs involved with being in a car accident can quickly add up.

Without the proper coverage, you may be held personally liable should costs exceed your policy limits. Most consumers look for extended liability amounts above $100,000 as well as:

  • Comprehensive Car Insurance – to protect the insured’s vehicle from damage
  • GAP Car Insurance – to help protect a liability to the auto loan company in the event of a total loss
  • Uninsured Motorist Coverage – to provide protection from accidents with drivers who are either uninsured or underinsured

Before securing any type of car insurance coverage always understand the types of coverage and policy limits being offered to make sure you have the financial protection you need.

Ohio Car Insurance Discounts

Due to a healthy car insurance industry, almost all Ohio car insurance companies offer policy discounts but these will vary depending on the company and who you speak with.

Before starting your auto insurance comparison search it’s a good idea to learn about the discounts available and have a list of questions ready to ask any potential provider.

Compare car insurance quotes right here to make sure you’re not overpaying for your coverage. Enter your zip code below to begin!

FREE Car Insurance Comparison

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