Ohio car insurance: minimums, prices and your estimate
Ohio requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Ohio is an at-fault state with no PIP requirement, and it is one of the few states where uninsured and underinsured motorist coverage is fully optional. Insurers do not have to offer it.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Optional
- Underinsured motorist
- Optional
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (generally 1 year)
What drivers in Ohio can expect to pay
Monthly ranges from our model, anchored to Ohio's position in 7 published price studies from 2025 and 2026 ($2,000 a year for full coverage and $587 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $143-$190 | $2,000 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $42-$56 | $587 |
| Young driver, full coverage20, own policy, clean record | $267-$400 | $4,000 |
| Senior, full coverage70, clean record | $138-$183 | $1,920 |
| After one at-fault accident35, full coverage | $215-$285 | $3,000 |
| After a DUI35, full coverage | $251-$376 | $3,760 |
| Poor credit35, clean record, full coverage | $256-$368 | $3,740 |
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Rules worth knowing in Ohio
- If your policy includes underinsured motorist coverage, it pays only when the at-fault driver's limits are below your underinsured limits, and it is reduced by amounts you recover instead of adding to them.
- Policies that include uninsured or underinsured motorist coverage may bar stacking (adding together) limits, set a 3-year deadline for claims and include certain exclusions.
- Driving uninsured leads to a license suspension, with a $40 reinstatement fee for a first offense, $300 for a second within a year, and $600 for a third or later.
- You must keep proof of financial responsibility at all times. Besides insurance, Ohio accepts a bond, a $30,000 cash deposit with the Registrar of Motor Vehicles, or a self-insurance certificate.
- Under current Ohio law, SR-22 style proof must be filed and kept for 1 year from a financial responsibility suspension; confirm your period with the Ohio BMV, especially if an OVI (impaired driving) offense is involved.
Questions about Ohio car insurance
What is the minimum car insurance in Ohio?
Ohio requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Ohio per month?
For a 35-year-old with a clean record, our model puts full coverage at about $143 to $190 a month and state-minimum coverage at about $42 to $56. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Ohio a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Ohio use my credit score?
Yes. Many insurers in Ohio use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Ohio?
Only if a court or the state requires one, usually after a serious violation or a lapse. Under current Ohio law, SR-22 style proof must be filed and kept for 1 year from a financial responsibility suspension; confirm your period with the Ohio BMV, especially if an OVI (impaired driving) offense is involved.