What is the minimum car insurance requirement in Ohio?

Ohio requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Is Ohio an at-fault or no-fault state?

Ohio is an at-fault at-fault state for car insurance claims.

Field report · OH

Car insurance in Ohio

Ohio is a at-fault state with a minimum liability requirement of25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/25

Fault systemAt-fault

Uninsured motoristNot required

RegulatorOhio Bureau of Motor Vehicles (BMV), under the Department of Public Safety

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Ohio does NOT require UM/UIM by statute (this changed after a 2001 law change); insurers may offer it and it's commonly recommended, but it is not a legal mandate - a point some older consumer sources get wrong.

Estimated cost

Illustrative estimate: roughly $470-$480/year for minimum coverage - one of the cheaper states.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI/OVI, driving without insurance, or reckless operation; Ohio also allows a $30,000 bond or cash deposit as an alternative proof of financial responsibility (rarely used).

Local conditions worth knowing

Ohio ranks among the top 5 states nationally for total animal-collision insurance claims, reflecting significant deer-vehicle collision exposure in rural/wooded parts of the state.

Frequently asked

What is the minimum car insurance requirement in Ohio?: Ohio requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
Is Ohio an at-fault or no-fault state?: Ohio is an at-fault at-fault state for car insurance claims.
Do I need an SR-22 in Ohio?: Typically required after a DUI/OVI, driving without insurance, or reckless operation; Ohio also allows a $30,000 bond or cash deposit as an alternative proof of financial responsibility (rarely used).
Is uninsured motorist coverage required in Ohio?: Ohio does NOT require UM/UIM by statute (this changed after a 2001 law change); insurers may offer it and it's commonly recommended, but it is not a legal mandate - a point some older consumer sources get wrong.

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