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OH auto insurance

Ohio auto insurance: minimum coverage and quote tips

Ohio requires 25/50/25 liability coverage or another approved form of financial responsibility. The Ohio BMV can randomly ask drivers to prove they were insured on a specific date, so keeping old insurance cards and declarations pages is worth the effort.

Ohio minimum car insurance

Bodily injury liability$25,000 per person / $50,000 per accident
Property damage$25,000 per accident

Checked on October 31, 2026. Requirements can change, so confirm current rules with the Ohio Department of Insurance. Minimum coverage is the legal floor, not a recommendation; many drivers choose higher limits.

What to check before comparing OH quotes

  • Save each year's declarations page in case the BMV asks for proof of coverage.
  • Compare quotes using the same limits and deductibles.
  • Ask whether uninsured motorist coverage was offered and how to add it.

How to compare quotes fairly

Ask every company to quote the same liability limits, deductibles, drivers and vehicles. Then compare what is included, not only the monthly price.

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