Ohio Car Insurance

Whether you’re hauling your posse to a Buckeyes game or commuting into Cincinnati for work, a Farmers® Smart Plan Auto policy offers coverage options designed for how you drive today. Discounts can help you save even more.

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What is the average cost of car insurance in Ohio?

Ohio drivers paid an average of $861 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

What auto insurance is mandatory in Ohio?

A car insurance policy with a minimum amount of liability coverage is required in Ohio. However, minimum coverage may not be the full extent of coverage you want. As of March 2023, 25/50/25 liability coverage limits are the minimum required in Ohio.

COVERAGE TYPE

OHIO MINIMUM REQUIREMENTS

Bodily injury liability

$25,000 per person; $50,000 per accident

Property damage liability

$25,000 per accident

COVERAGE TYPE

Bodily injury liability

OHIO MINIMUM REQUIREMENTS

$25,000 per person; $50,000 per accident

COVERAGE TYPE

Property damage liability

OHIO MINIMUM REQUIREMENTS

$25,000 per accident

What does car insurance typically cover in Ohio?

A typical car insurance policy in Ohio includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.

Ohio car insurance discounts

Farmers offers a variety of discounts for drivers in Ohio. For example:

  • Multi-vehicle
  • Multi-policy
  • Youthful driver

See more information about additional discounts that may be available in Ohio.

Rock & Roll Hall of Fame

Architect I.M. Pei designed this landmark building on the Cleveland waterfront. It houses seven floors of rock music memorabilia — from handwritten drafts of hit songs to performance outfits to instruments played by rock legends. — Rock & Roll Hall of Fame


More coverage options in Ohio

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Ohio home insurance

Learn more about what home insurance in Ohio covers, available discounts and more.

View home insurance coverage details and discounts for Ohio

Learn From Experience

Still have questions about cars and car insurance in Ohio? We have answers.


Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.  

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

What Is Uninsured Motorist Coverage?

If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.