What is the state requirement for auto insurance in Ohio?

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Here's what you need to know regarding Ohio's minimum car insurance requirements.

OH Auto Insurance Standards

  • $12,500 bodily injury coverage per person.
  • $25,000 bodily injury coverage for an accident involving two or more persons.
  • $7,500 property damage coverage.
The state doesn't have a personal injury protection (PIP) requirement.

Is This Enough Liability Insurance?

Most financial experts wouldn't think so. In fact, Ohio has some of the lowest car insurance requirements in the nation.

You may think that's good news, but it could be bad news if you're at fault in a serious accident and only have the minimum required coverage. That's especially so if injuries are involved. You could even be sued by the parties you injured, leaving you financially vulnerable for many years and causing much distress.

To counteract the higher cost of obtaining more coverage, try shopping around online to find the most affordable rates and best policies. Then, take as large as deductible as you can reasonably handle.

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