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 a tort-based liability state, meaning at-fault drivers are financially responsible for injuries and property damage they cause. All drivers must carry proof of financial responsibility — either an insurance ID card or FR form — and present it during traffic stops or at accident scenes. The Ohio Department of Insurance enforces these requirements through the Bureau of Motor Vehicles, which can suspend registration and license for non-compliance.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $79/mo
Average car insurance spending in Ohio
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is Ohio a no-fault state for auto insurance?
No, Ohio operates as a tort-based liability state where the at-fault driver is financially responsible for injuries and property damage. 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 pays regardless of fault, making liability limits particularly important in Ohio.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in at-fault accidents. Ohio's tort system allows injured parties to sue for amounts exceeding your policy limits, making higher limits essential for protecting personal assets.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist protection into a complete package. Required by lenders for financed vehicles and recommended for anyone unable to replace their vehicle out-of-pocket.
Comprehensive Coverage
Pays for vehicle damage from non-collision events including theft, vandalism, hail, fallen trees, and animal strikes. Covers glass damage, which is particularly common from road debris on Ohio's highways.
Collision Coverage
Pays to repair or replace your vehicle after accidents with other vehicles or objects, regardless of who's at fault. Covers single-vehicle crashes, backing accidents, and damage from potholes or road hazards.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient limits to cover your injuries and vehicle damage. Functions as a safety net in Ohio's tort system where you have no other recourse against uninsured drivers.
SR-22 Insurance
An SR-22 is not insurance but a certificate your insurer files with the Ohio BMV proving you carry required liability coverage. The state mandates SR-22 filing after DUI convictions, multiple violations, driving without insurance, or license suspensions.