Ohio Auto Insurance Policy Requirements

Q: What is in a basic Ohio auto insurance policy?
A: Your Ohio auto insurance policy can include these main types of auto insurance:

  1. Liability Coverage
    1. The distinctive insurance concepts of people and property divide liability insurance coverage into two:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Ohio. Liability coverage must be in your auto insurance policy in order to legally drive in Ohio:
      1. 12.5/25/7.5” (Ohio’s minimum auto insurance requirement)
      2. $15,000 for injury and/or death to one person.
      3. $30,000 for injury and/or death to more than one person.
      4. $5,000 for damage to any kind of property.
    3. Liability minimums are different for vehicles that are leased.
  2. Collision Coverage is only optional if your vehicle is not financed. Otherwise, collision is a required option as part of your Ohio auto insurance policy.
  3. Comprehensive Coverage is an advisable add-on to your policy if your vehicle is not financed. However, it is a requirement in Ohio if the vehicle is still financed.
  4. Medical Payments Coverage is recommended for an Ohio auto insurance policy, but state law does not require it.
  5. Uninsured (and Underinsured) Motorist Coverage is another recommended though not required insurance option in Ohio.
  6. Personal Injury Protection (PIP) Coverage is noncompulsory for Ohio auto insurance policies.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Ohio a No-Fault state?
A: No, Ohio is not a state that uses a no-fault system.

Q: How can I get a discount on a Ohio auto insurance policy?
A: Have a look at our list of auto insurance discounts to see if you can get a discount on your Ohio auto insurance policy.

Q: Where can I find more information about Ohio auto insurance?
A: We direct you to the following authoritative resources of information on Ohio automobile insurance:
  1. Ohio Insurance Resources
    1. The Ohio Bureau of Motor Vehicles (OH BMV) registers vehicles in Ohio as well as driver’s licenses and vehicle titles.
    2. The state regulatory agency of the Ohio Department of Insurance (OH DOI) offers an online “Shopper’s Guide to Auto Insurance“.
  2. National Insurance Resources

East North Central State”. With the highest population density of all states that do not border the Atlantic Ocean, many Ohioan drivers are in need of quality auto insurance. Whether you live in Columbus, Cleveland, Toledo, Cincinatti, Akron, Dayton, Parma, Canton, Cuyahoga Falls, Dayton, Elyria, Hamilton, Youngstown, and any other city in the state, CLICKinsure can be your broker and one of our agents can thoroughly detail the options available to you.