Ohio car insurance

From Columbus to the shores of Lake Erie, Progressive has your car insurance needs covered. Learn about car insurance in Ohio, including what coverages state law requires, which coverages you should consider, and what discounts you can earn to keep your insurance costs down. Plus, we can provide Ohio auto insurance quotes for any vehicles you own.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Ohio's minimum auto insurance requirements?

Drivers in Ohio are required to have auto liability coverage (BI liability and PD liability), at the following minimum limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident

While these are Ohio's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Ohio a no-fault state?

No. Ohio is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Ohio?

The average cost of a six-month liability-only policy in Ohio is $91.84 per month.^* Your rate will vary based on a variety of factors, including your driving history, ZIP code, and the limits and coverages you choose. Learn more about what goes into the cost of car insurance.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.^† Get an auto insurance quote today.

What is the best car insurance in Ohio?

Finding the best car insurance in Ohio means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help Ohioans get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.^**

If you're looking for the cheapest car insurance in Ohio, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $920 on average^††
GEICO customers who switch and save with Progressive save $757 on average^§
State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in Ohio?

To lower your car insurance cost in Ohio, you may qualify for the following discounts through Progressive:

Multi-car
Five-year accident-free
Paperless
Homeowner
Online quote
Multi-policy
Automatic card payments (ACP)

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Ohio is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Ohio's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.

Ohio driving resources

From Cincinnati to Cleveland, get to know Ohio's driving laws and resources. Local municipalities may have additional laws and resources.

Ohio Bureau of Motor Vehicles: Find out how to get or renew your Ohio license and registration.
Ohio traffic laws: Review Ohio's traffic and motor vehicle laws, rules, and definitions
Ohio driving FAQs: Get answers to questions about how to get an Ohio driver's license or non-driver ID, driver, or motorcycle training, how to get a copy of an accident report, and more.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.