State guide
Insurance in Ohio
Required coverage, penalties, official contacts and sources for Ohio, reviewed 2026-10.
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Car insurance
What Ohio requires.
Liability minimum 25/50/25. Claims system: fault-based claims.
| Coverage | Requirement in Ohio |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Not listed as required |
Required coverage
- Bodily injury liability: at least $25,000 per injured person and $50,000 for all persons injured in one accident
- Property damage liability: at least $25,000 per accident
Other coverage commonly available
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Medical payments
- Rental reimbursement
If you drive without required coverage
In Ohio it is illegal to drive any motor vehicle without insurance or other proof of financial responsibility. Proof of insurance must be shown at traffic stops, accident scenes and vehicle inspections.
Notices
What to know in Ohio.
- The Ohio Department of Insurance explains that Ohio's financial responsibility law can be met with insurance or with a bond.
- The Department warns that you could be responsible for damages your insurance does not cover, including medical costs, if they exceed your limits.
- A vehicle owner may not allow anyone else to drive their motor vehicle without insurance, according to the Ohio BMV.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Ohio Department of Insurance
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Ohio Department of Insurance is the state authority for questions about insurers, agents and complaints.
Health insurance
HealthCare.gov
HealthCare.gov (federal marketplace)
- Ohio residents use the federal marketplace, HealthCare.gov. Ohio is not on CMS's list of state-based exchanges.
- Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.
Contacts
Who to contact.
- Ohio Department of Insurance
- Website: insurance.ohio.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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