Ohio · Auto Insurance
Ohio Auto Insurance
Protects you, your vehicle, and others on the road from accident, theft, and liability losses. Typical Ohio premium is approximately $1,156/year.
Avg Premium
$1,156/yr
Risk Score
33/100
Consumer Protection
76/100
No-Fault
No
Coverage requirements in Ohio
Ohio requires minimum liability limits of 25/50/25. Most insurance experts recommend higher limits (100/300/100 or 250/500/250) to protect personal assets.
Coverage types
- Liability — Pays for injury or property damage you cause to others.
- Collision — Repairs to your vehicle after a collision regardless of fault.
- Comprehensive — Theft, vandalism, weather, and animal-strike damage.
- UM/UIM — Pays when an uninsured or underinsured driver causes your injuries.
- PIP / MedPay — Medical bills for you and your passengers.
Top Ohio savings opportunities
- Bundle with home
- Raise deductible
- Telematics discount
- Good driver discount
Common exclusions
- Intentional damage
- Racing
- Commercial use
- Wear and tear