Car insurance · Ohio
Car insurance requirements in Ohio
Liability minimum 25/50/25. Claims system: fault-based claims.
Verified summaryAll Ohio insurance topics
Requirements
Minimum car insurance requirements in Ohio
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Ohio
Not listed as required.
Optional coverage
Coverage you can add in Ohio
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Medical payments
- Rental reimbursement
Penalties
Penalties for driving without insurance in Ohio
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.
Good to know
Other things 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.
Contacts
Who to contact in Ohio
- 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.
- Ohio Department of Insurance: Minimum coverage requirements for auto insurance (PDF)insurance.ohio.gov
- Ohio BMV: Mandatory insurancebmv.ohio.gov
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Ohio.
Home insurance resources and the health marketplace for Ohio are on its overview page.