Minimum Liability Insurance Requirements in Ohio
Ohio mandates the following minimum coverage limits for auto liability insurance:
- Bodily Injury Liability:
- $25,000 per person
- $50,000 per accident (for injuries to multiple people)
- Property Damage Liability:
- $25,000 per accident
These minimums are often referred to as 25/50/25 coverage.
Year/Make Model: 2008 Ford Fusion Sedan |
Ownership Status: 5+ years |
Discounts: Electronic Funds Transfer and Paperless |
Selected Coverages With Progressive |
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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:
- Uninsured/Underinsured Motorist Coverage:
- Protects you if you’re hit by a driver without sufficient insurance.
- Collision Coverage:
- Covers damages to your vehicle in a collision, regardless of fault.
- Comprehensive Coverage:
- Covers non-collision events like theft, vandalism, or weather damage.
- 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
- Driving Record: Accidents or tickets raise premiums.
- Age: Younger drivers generally pay more.
- Vehicle Type: High-value or performance vehicles cost more to insure.
- Location: Urban areas with more traffic and theft risk have higher premiums.
- Credit Score: Insurers in Ohio consider credit scores when calculating rates.
Monthly Installments: $84.39