Short answer: Every driver in Ohio must carry at least this coverage. The minimums are in the table below. It’s an at-fault state: the driver who causes a crash is responsible for the damage. Requirements checked against the Ohio Department of Insurance (October 2026).
Ohio car insurance requirements
The minimum limits for Ohio policies:
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing. Compare Ohio with every other state.
What Ohio drivers should know
- Ohio is an at-fault state. Insurers must offer uninsured/underinsured motorist coverage, though you can decline it.
- The Ohio BMV randomly checks that drivers have insurance; driving without it can bring license suspension and reinstatement fees.
- Ohio car insurance tends to cost less than the national average, so comparing quotes can make higher limits affordable.
Home insurance in Ohio
- Wind, hail and tornadoes are the leading weather risks for Ohio homes, with winter freezes close behind.
- Flood and sewer backup aren’t covered by standard policies — both need separate coverage.
- The Ohio FAIR Plan provides basic property insurance when private coverage isn’t available.
Ways to save in Ohio
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.
