Ohio Car Insurance
In Ohio, a Farmers® Smart Plan Auto policy lets you take affordable insurance coverage along for the ride, whether you’re hauling your posse to a Buckeyes game or commuting into Cincinnati for work. You can choose the coverage you want, and discounts can help you save even more.
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
More coverage options in Ohio
Learn From Experience
Still have questions about cars and car insurance in Ohio? We have answers.
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.
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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.
