Ohio Auto Insurance: Requirements & Rates
Ohio requires 25/50/25 liability coverage and is an at-fault state.
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Ohio at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Ohio operates as an at-fault tort state, meaning the driver responsible for an accident is liable for resulting damages. All drivers must carry proof of financial responsibility — typically satisfied through liability insurance — and present it during traffic stops or after accidents. The Ohio Bureau of Motor Vehicles enforces compliance through the Random Selection Program, which randomly verifies insurance status and suspends registrations for non-compliance.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Cost Overview
about $79/mo
Average car insurance spending in Ohio
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Credit-based insurance scores influence Ohio rates significantly — drivers with poor credit may pay double compared to those with excellent credit
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Ohio a no-fault insurance state?
No, Ohio operates as an at-fault tort state. The driver who causes an accident is financially responsible for resulting damages. Injured parties can file claims against the at-fault driver's liability insurance and sue for amounts exceeding policy limits. This differs from no-fault states where each driver's own insurance covers their injuries regardless of fault.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Ohio's 25/50/25 minimum leaves significant gaps — a single serious injury can generate $100,000+ in medical costs.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal exposure and vehicle investment. Required by lenders if you finance or lease.
Comprehensive Coverage
Pays for non-collision damage: theft, vandalism, weather, falling objects, and animal strikes. Includes windshield damage from road debris.
Collision Coverage
Repairs or replaces your vehicle after accidents regardless of fault. Covers single-vehicle crashes, rollovers, and collisions with objects.
Uninsured Motorist Coverage
Protects you when hit by drivers with no insurance or insufficient coverage. Covers your medical bills, lost wages, and vehicle damage in underinsured scenarios.
SR-22 Insurance
A certificate proving you carry state-required insurance, filed by your insurer with the Ohio BMV. Required after DUI convictions, serious violations, or license suspensions.