Ohio Liability Insurance

2008 Ford Fusion Sedan – In Ohio, liability insurance is a legal requirement for all drivers. It ensures financial protection if you’re found at fault in an accident, covering the other party’s medical expenses and property damage.

Minimum Liability Insurance Requirements in Ohio

Ohio mandates the following minimum coverage limits for auto liability insurance:

  1. Bodily Injury Liability:
    • $25,000 per person
    • $50,000 per accident (for injuries to multiple people)
  2. Property Damage Liability:
    • $25,000 per accident

These minimums are often referred to as 25/50/25 coverage.

safe driver 2( 57 year old male , Married , Ohio )
Year/Make Model: 2008 Ford Fusion Sedan
Ownership Status: 5+ years
Discounts: Electronic Funds Transfer and Paperless
2008 ford fusion sedan
Selected Coverages With Progressive
Bodily Injury Liability: $25,000 each person/ $50,000 each accident
Property Damage Liability: $25,000 each accident
Uninsured Motorist Bodily Injury: Rejected
Comprehensive: N/A
Collision: N/A
Other Rejected Coverages: Medical Payments

One of our Ohio clients was in need of the cheapest insurance plan he could find. He had been looking around for a cheap liability quote but had no luck so far. As we looked around we found that Progressive came in at the cheapest with a monthly payment of $84.39! He was able to obtain this premium with discounts such as EFT and Paperless!

Total 6 Month Premium: $500.00

Optional Coverages to Consider

While liability insurance meets legal requirements, adding optional coverages can provide greater protection:

  1. Uninsured/Underinsured Motorist Coverage:
    • Protects you if you’re hit by a driver without sufficient insurance.
  2. Collision Coverage:
    • Covers damages to your vehicle in a collision, regardless of fault.
  3. Comprehensive Coverage:
    • Covers non-collision events like theft, vandalism, or weather damage.
  4. Medical Payments Coverage:
    • Helps pay for medical expenses for you and your passengers.

Average Cost of Liability Insurance in Ohio

  • Basic Liability Coverage: $400–$600 annually, depending on your driving record, age, and location.
  • Full Coverage (Including Collision & Comprehensive): $1,000–$1,300 annually.

Factors Affecting Insurance Costs in Ohio

  1. Driving Record: Accidents or tickets raise premiums.
  2. Age: Younger drivers generally pay more.
  3. Vehicle Type: High-value or performance vehicles cost more to insure.
  4. Location: Urban areas with more traffic and theft risk have higher premiums.
  5. Credit Score: Insurers in Ohio consider credit scores when calculating rates.

Monthly Installments: $84.39

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