Ohio car insurance

Getting car insurance in Ohio

Ohio drivers deal with lake-effect snow near Lake Erie, busy interstates through Columbus and Cincinnati, and deer on rural roads. Choosing the right car insurance means accounting for those risks while meeting Ohio’s coverage requirements. Progressive helps you compare coverage options and build a policy that provides the protection you need at a price that fits your budget. Get started with the Name Your Price® tool, the easiest way to see which coverages fit your situation.

What are the minimum auto insurance requirements in Ohio?

To drive legally in Ohio, you need liability insurance covering both bodily injury and property damage. Ohio requires the following minimum liability limits.

While these are Ohio’s minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need for your situation.

What is the average cost of car insurance in Ohio?

On average, Ohio drivers pay $97.23 per month for car insurance, according to Progressive's internal data.^† That average reflects a 2025 liability-only policy covering one car and one driver. The cost of car insurance comes down to several factors, including your driving record and where you live.

Factors that impact your auto insurance rate in Ohio

Many factors can affect how much you pay for auto insurance in Ohio:

• Driving history: A record of tickets, accidents, or past claims can raise your rate.
• Vehicle type and value: Your car's make, model, age, safety features, and repair costs are factored into your rate. Higher vehicle values can lead to higher claim costs.
• Location: Where you live matters. Rates may vary by ZIP code because traffic density, accident and theft rates, and weather vary across Ohio.
• Coverage choices and deductibles: The coverages, limits, and deductibles you select can affect your premium. A higher deductible can lower your premium, while more coverage or higher limits can raise it.
• Payment method: How you pay can affect your cost. Paying in full or setting up automatic payments may help you qualify for a discount.

Recommended additional auto insurance coverages in Ohio

Ohio's mandatory liability coverage may help pay for other people's injuries and property, but it won't cover your own car or medical bills. Optional coverages can provide additional protection, and most lenders require comprehensive and collision if you finance or lease your vehicle.

Ohio driving resources

Use these resources to learn more about Ohio's driving laws and insurance requirements. Keep in mind that local governments may have additional rules or requirements.

• Ohio Bureau of Motor Vehicles (BMV): Find information about driver licensing, vehicle registration, and proof of financial responsibility.
• Ohio Department of Insurance (ODI): Find insurance information and help consumers with questions and complaints.
• Ohio traffic laws: The state's motor vehicle laws, rules, and definitions.
• Ohio driving FAQs: Common questions and answers on licensing, driver training, and crash reports.

How to get car insurance in Ohio with Progressive

Progressive makes it easy for Ohio drivers to compare coverage options and get an auto insurance quote.

Ohio car insurance FAQs