Car Insurance in Ohio
The numbers were updated on
The legal minimum in Ohio, what drivers pay and who is cheapest.
- $94.average monthly cost for full coverage.
- 25/50/25.lowest liability limits.
- 43rd of 51.most expensive of the states (1st = highest).
Ohio car insurance costs
Full coverage costs the average Ohio driver $1,134 each year, or about $94 each month. Legal minimum coverage averages $518 per year. This is 30% below the US average of $1,613 per year.
| Coverage in Ohio | Per year | Per month |
|---|---|---|
| Liability | $518 | $43 |
| Collision | $392 | $33 |
| Comprehensive | $225 | $19 |
| Full coverage (all three) | $1,134 | $94 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Ohio's legal minimum
In Ohio, at least 25/50/25 liability coverage is required. It provides $25,000 for each person hurt. For everyone hurt in one crash, the limit is $50,000. Damage to other people's property has a $25,000 limit.
Ohio is an at-fault state. A driver who causes a crash pays through that driver's liability cover.
You're not required to carry uninsured motorist cover, but most states still require insurers to offer it.
Source: Ohio Department of Insurance, Minimum Coverage Requirements.
How many drivers in Ohio have no insurance?
In 2023, about 18% of Ohio drivers had no car insurance. Their share ranked 12th highest among the 51. If an uninsured driver hits you, uninsured motorist cover pays your bills.
The article was first written on