Ohio car insurance

From Cincy to the shores of Lake Erie, Progressive has your car insurance needs covered. Learn more about car insurance in Ohio, including what coverages you're required to have, which 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 the state minimum car insurance requirements in Ohio?

According to Ohio car insurance laws, it is mandatory to have car insurance with liability coverage limits of at least:

$25,000 in bodily injury per person
$50,000 in total bodily injury per accident
$25,000 in property damage per accident

Of course, you can choose higher insurance limits than what your state requires. It's a good idea to set your limits high enough to cover your total net worth so your assets are fully protected. Learn more about auto liability insurance.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.^* Get an auto insurance quote today.

What other auto coverages should I consider?

Comprehensive coverage and collision coverage are good to have in case your vehicle is damaged in an accident or other covered incident. These coverages help pay to repair or replace your vehicle, so you aren't left with a huge repair bill or the financial shock of unexpectedly needing a new car. Most lenders will require you to carry comprehensive car insurance and auto collision coverage when financing or leasing a car.

Learn more about auto insurance coverages available with Progressive.

What is the cost of Ohio car insurance?

In 2020-2021, the average cost for a Progressive liability-only auto policy in Ohio was about $75 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.

What discounts can I get for car insurance in Ohio?

Progressive has variety of savings opportunities. Here are a few of the discounts that can help lower your rate:

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

See all auto insurance discounts.

Pro tip:

Bundling your home and auto insurance policies with Progressive could make your car insurance cheaper. New customers nationwide who switch and save by bundling home and auto save over 20% on average.^*

Fast facts about Ohio auto insurance

Over 1 million Ohio drivers trust Progressive for their car insurance.
In 2020, Ohio saw the eleventh-highest number of reported motor vehicle thefts in the country. Comprehensive coverage can financially protect your car from theft.
In 2019, an estimated 13% of Ohio drivers were uninsured. With uninsured motorist coverage, you're protected if you're hit by a driver with no insurance or not enough coverage.