Minimum Car Insurance in Ohio
The liability limits Ohio requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Ohio requires proof of financial responsibility of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for damage to others' property. Ohio Rev. Code §§ 4509.01(K), 4509.101(G)
| Minimum coverage required | Ohio requires proof of financial responsibility of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for damage to others' property. Besides an insurance policy, proof can be a bond, a certificate of deposit of money or securities, or a certificate of self-insurance. Alternatives to insurance listed in Ohio Rev. Code § 4509.101(G): https://codes.ohio.gov/ohio-revised-code/section-4509.101 |
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| At-fault or no-fault | Ohio uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Ohio among the "Tort States." |
| Uninsured motorist coverage | Optional. An auto liability policy in Ohio may, but is not required to, include uninsured motorist coverage, underinsured motorist coverage, or both. Source: Ohio Rev. Code § 3937.18(A) |
More Ohio car insurance & vehicle laws
- Driving Without Insurance in Ohio
- SR-22 Insurance in Ohio
- When a Car Is a Total Loss in Ohio
- Transferring a Car Title in Ohio
- All Ohio car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Ohio?
Ohio requires proof of financial responsibility of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for damage to others' property. Besides an insurance policy, proof can be a bond, a certificate of deposit of money or securities, or a certificate of self-insurance.
Is Ohio a no-fault car insurance state?
Ohio uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Ohio among the "Tort States."
Is uninsured motorist coverage required in Ohio?
Optional. An auto liability policy in Ohio may, but is not required to, include uninsured motorist coverage, underinsured motorist coverage, or both.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.