Ohio

Ohio Car Insurance

Discover auto insurance requirements, the best companies, and how to get the lowest rates in Ohio.

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Ohio is the seventh-largest state in the country. It’s known by many for its Pro Football and Rock and Roll halls of fame. As of 2020, there were about 8.1 million drivers in the state. But even with all these drivers on the road, Ohio enjoys cheaper than average insurance rates.

In this article, we’ll break down everything you need to know about car insurance in Ohio. This includes taking a deep dive into how Ohio’s average auto rates stack up against the national average. We’ll also outline and thoroughly explain Ohio’s car insurance requirements and laws.

Average Ohio Car Insurance Rates

Your state’s average auto insurance rates are good to look at from time to time. They can help you find out if you’re paying too much each month for car insurance. Then, you’ll know if you need to seek out a better deal or stick with your current company.

Below is a table outlining Ohio’s average auto insurance rates for each major coverage type. Ohio’s rates are lower than the national average for all coverage types. Drivers in Ohio, on average, pay $22.31 less than the rest of the country.

CoverageOhio AverageUS Average
Liability$447.86$650.35
Collision$305.55$381.43
Comprehensive$131.37$171.87
Full Coverage$802.72$1070.47
Price Per Month$66.89$89.20
Note: cost totals are for one year of coverage. Averages are from the Insurance Information Institute (III).

Average Full Coverage Rates

The graph below shows the change in average Ohio insurance rates from 2012 to 2019. Ohio car insurance rates increased from $634 in 2012 to $802 for full coverage in 2019. This was an increase of $160, or 26%. This is surprising given that Ohio’s at-fault accident rate is 20% higher than the national average.

Ohio Average Full Coverage Rates 2012-2019

Average Liability Coverage Rates

The graph below displays Ohio’s average liability coverage costs from 2012 to 2019. Ohio liability rates increased from $326 in 2012 to $447 in 2019. This was an increase of $121, or 37%.

Despite, this increase, Ohio’s liability rates have remained lower than the national average. This may be because Ohio’s auto repair costs are among the lowest in the country. A 2019 study by CarMD found that Ohio ranked 50th for average car repair costs. This means that claims will, in general, cost less for insurers in Ohio because it’s cheaper to repair cars.

Ohio Average Liability Coverage Rates 2012-2019

Average Collision Coverage Rates

Below is a graph that shows the average Ohio collision coverage rates from 2012 to 2019. Ohio collision rates rose from $243 in 2012 to $305 in 2019. This was an increase of $62, or 25%. However, like the other coverages, Ohio’s collision rates have stayed far below the national average.

Ohio Average Collision Coverage Rates 2012-2019

Average Comprehensive Coverage Rates

In the following graph, you can see the change in average Ohio comprehensive coverage premiums from 2012 to 2019. Note that Ohio’s comprehensive insurance rates saw an increase of $24 from 2012 to 2019. Rates went from $107 in 2012 to $131 for full coverage in 2019.

Ohio Average Comprehensive Coverage Rates 2012-2019

Why Do Auto Insurance Rates Keep Increasing in Ohio?

Insurance rates in Ohio and every other state are likely to keep going up. This could be due to many reasons; however, inflation is the major culprit here. As inflation impacts the rest of the economy, insurance prices are bound to rise.

Also, people are driving more and getting into more accidents. This results in more auto insurance claims, which raises everybody’s premiums.

So, how do you get around constantly increasing prices? It’s important to shop around and compare quotes in Ohio. That’s the best way to get the cheapest rates.

Ohio Minimum Auto Insurance Requirements

Car insurance is a requirement in most states (the only exceptions are Virginia and New Hampshire). Every state has a unique set of minimum auto insurance requirements that drivers must follow. These requirements include the types of insurance and how much of each, at minimum, you need on your policy.

Liability Insurance

The only type of insurance that Ohio requires is basic liability insurance. This covers any expenses that you cause in an accident. To drive, Ohio requires minimum liability auto insurance coverage limits of at least:

  • $25,000 of bodily injury liability (BIL) for injury or death of one person
  • $50,000 of BIL for injury or death of two or more people
  • $25,000 of property damage liability (PDL) in an accident

You will sometimes see minimum liability requirements written in shorthand form: “25/50/25.” This indicates how much of each coverage, in the thousands, you need.

Keep in mind that Ohio’s state requirements are just the bare minimum amount you need to drive. But accident costs can often go far beyond the minimum limit requirements. The auto insurance industry generally recommends bodily injury limits of $100,000 per person and $300,000 per accident.

Find the Best Car Insurance in Ohio

Compare quotes among leading car insurance companies to get better coverage and lower rates.

Uninsured and Underinsured Motorist Coverage (UM and UIM)

Ohio doesn’t require any other type of auto insurance coverage. This means that, in Ohio, it’s optional to include UM and UIM on a policy. Before refusing this coverage when shopping for insurance, consider that Ohio ranks 21st for uninsured drivers. Per the III, an estimated 13% of motorists drive without insurance in the state. UM and UIM will protect you from having to cover any accident expenses out of pocket and it is relatively cheap to add to your policy.

Valid Proof of Insurance

Ohio requires that drivers carry valid proof of insurance with them at all times. Failing to show proof at a traffic stop or the scene of an accident results in severe penalties. One way to show proof is to keep your insurance policy with you and show that when the police ask for it. But it’s more convenient to carry an insurance ID card with you.

State law says that any insurer selling policies in Ohio must provide you with an insurance ID card that you can show to law enforcement. Insurance ID cards need to include the following to be valid:

  • Policyholder’s name as it appears on the policy
  • The policy’s effective date and expiration date
  • Name of issuing insurance company and policy number
  • The words “Financial Responsibility Identification Card” or “Insurance Identification card” or something similar
  • Vehicle VIN, year, make, and model. If the policy covers more than five vehicles, Ohio allows the word “Fleet” instead

Ohio allows logos and other information on insurance ID cards. It’s fine if your insurance company adds more information than needed on your card. But the state-required information must appear on the card or it’s invalid.

Note that Ohio permits both plastic and paper insurance ID cards. Digital copies on your mobile device are also valid. Be sure to check with your insurer about how to get an ID card on your phone. This is an easy way to avoid being caught without valid proof.

Keep in mind that drivers using a personal bond or self-insurance certificate must keep proof with them as well. Also, make sure your proof of insurance is with you in court in case you need to present it.

Personal Bonds and Certificates

Many drivers don’t want to use an insurance company for financial responsibility (FR). Ohio gives you two ways to comply with the law without an insurance policy:

Surety Bonds

In Ohio, you may use a surety bond as a means for FR. You have two options for depositing bonds with the Ohio BMV for FR:

  • $30,000 surety bond issued by an authorized surety or insurance company
  • $60,000 BMV bond secured by real estate worth the same amount

BMV Certificates

Another way to carry enough FR for your car is to receive a certificate from the Ohio BMV. This is where you deposit enough money to serve as proper FR for your car. You have two options using certificates to prove FR:

  • $30,000 BMV Certificate for money or government bonds on deposit with the Ohio Treasurer of State
  • A BMV Certificate of self-insurance is available to drivers or businesses owning at least twenty-six motor vehicles

Penalties for Driving Without Insurance

It’s against the law to drive without car insurance in Ohio. Any driver who fails to show proof of financial responsibility (FR) when asked by law enforcement or judge will face the following penalties:

First Offense

  • Loss of driver’s license until you meet the state requirements
  • You must surrender your driver’s license plates and registration
  • $100 Reinstatement fee
  • $50 penalty for any failure to surrender license, plates, or registration
  • Maintain an SR-22 for high-risk insurance for three years

If the police catch you with your license suspended, your vehicle gets immobilized, and you will need to surrender your registration for 30 days.

Second Offense

  • Loss of driver’s license for one year
  • You must surrender your driver’s license plates and registration
  • $300 Reinstatement fee
  • $50 penalty for any failure to surrender license, plates, or registration
  • Maintain an SR-22 for high-risk insurance for five years

If you’re caught by law enforcement driving with your license suspended, your vehicle gets immobilized, and you will need to surrender your registration for 30 days.

Third and Further Offenses

  • Loss of driver’s license for two years
  • You must surrender your driver’s license plates and registration
  • $100 Reinstatement fee
  • $50 penalty for any failure to surrender license, plates, or registration
  • Maintain an SR-22 for high-risk insurance for five years

The penalties for driving without insurance become severe after the third conviction. First, the state confiscates your vehicle and auctions it off. Then you’ll lose the ability to register any vehicle within the state for five years.

Best Car Insurance Companies in Ohio

When you’re shopping for insurance, it’s smart to weigh your options and find the best company. To find the best company, it’s a good idea to compare companies head-to-head to get the overall picture. The best insurance companies are ones that put the customer first. This includes having features like:

  • Great customer service
  • Competitive rates
  • Plenty of benefits, such as discounts and customer loyalty programs

Top Companies by Market Share

To find the best insurer, it’s a good idea to see who dominates the market share in the area. These companies are usually the most popular and biggest in the state. Their popularity doesn’t necessarily make them the best, but it’s a good place to start to find who people buy from. Here’s a list of the top auto insurance companies in Ohio by market share percentage:

RankCompanyDirect Premiums WrittenMarket Share
1State Farm$1,177,105,39817.2%
2Progressive$1,164,673,53717.0%
3Allstate$744,473,03110.9%
4GEICO$551,511,0468.0%
5Nationwide$413,915,0196.0%
6Liberty Mutual$356,909,1695.2%
7Grange$346,958,1035.1%
8Erie$269,819,4753.9%
9USAA$222,090,4753.2%
10American Family$175,377,0872.6%

Top Companies by J.D. Power Rating

Another way you can find the best insurer in Ohio is by looking at the companies with the highest customer satisfaction. J.D. Power ranks carriers based on their customer satisfaction score. Below are the top companies in the North Central region (including Ohio) of the US by J.D. Power rating (USAA is not part of this data because it didn’t fit J.D. Power’s criteria):

RankCompanyCustomer Satisfaction Score (Out of 1,000)
1Erie Insurance857
2State Farm851
3COUNTRY850
4MetLife849
5American Family844
6Auto-Owners Insurance842
7Progressive842
8GEICO837
9The Hanover836
10Liberty Mutual831

Best Companies Based in Ohio

Ohio has several insurers that are based locally. This would be a good option if you want to support local businesses. Also, local insurers typically have benefits programs exclusive to residents in the area. Here are the top insurers based in Ohio (in no order):

  • State Farm
  • Progressive
  • Nationwide
  • Grange Mutual
  • Cincinnati Financial

Ohio Auto Insurance Insurance Laws

No-Fault or Fault?

Many states are what’s known as no-fault insurance states. These are states that require drivers to buy personal injury protection (PIP) to cover their injuries from an accident regardless of fault.

Ohio isn’t a no-fault state. It’s what many call a fault or tort state. This is where the at-fault driver in an accident is held responsible for all expenses. For this reason, Ohio requires drivers to carry a minimum amount of liability insurance to protect drivers who weren’t at fault.

Totaled Cars

Your car becomes a total loss when its damages cost more than its actual cash value (ACV). However, each state sets its own criteria for when a car becomes a total loss. Some states declare a car a total loss if the damages reach a certain percentage of the car’s value. Ohio, on the other hand, uses the total loss formula to determine whether a car is totaled or not. With the TLF, a car is a total loss if its damages and salvage value cost more than the ACV.

Salvage and Rebuilt Titles

After your car becomes a total loss, it’ll receive a salvage title from the state. Salvage title cars have severe damage and are illegal to drive in Ohio. The only way to drive a salvage title car legally is to restore it to a safe condition and then obtain a rebuilt title from the Ohio BMV.

How to Get a Rebuilt Salvage Title in Ohio

To get a rebuilt title for your restored salvage car, you need to follow a specific process. First, you’ll need to restore your car to a drivable condition making sure to keep receipts for all parts you use. Then you can schedule an inspection with the Ohio Vehicle Inspection Gateway. Here’s what you’ll need for the inspection:

  • Ohio BMV issued prepaid inspection receipt
  • State-issued ID, such as a driver’s license or passport
  • Salvage title with the car owner’s name on it
  • Original receipts for all car parts used in restoration (for used parts, you also need the Donor Vehicle’s VIN)
  • Receipts for parts that came via a “casual sale by an individual or business”

After your restored car passes a state inspection, it should receive a rebuilt title. Keep in mind that you’ll need to pay all the fees associated with getting a new title for your car.

Insuring Cars with Rebuilt Titles in Ohio

Once your car has a rebuilt title, you’ll need to get an insurance policy for it. Most major Ohio insurers cover cars with rebuilt titles. Be aware that insurance providers may only sell you liability coverage for it. Full coverage is usually off the table. You can also expect more higher rates. That’s because your rebuilt car may be street legal, but its claims history will follow it forever. We recommend shopping around and comparing insurance quotes for the best deal possible.

Full Windshield Replacement

In some states, insurers must repair your windshield damage without requiring a deductible. But Ohio has no such law. This means that if you file a comprehensive coverage claim for any windshield damage, you must pay a deductible.

Some insurers will give you the option of adding full glass coverage to your policy at an extra cost. By doing so, glass repairs will not have a deductible. But remember that it will add to your monthly rates, so it isn’t truly a free repair.

SR-22 Forms

Ohio requires drivers with severe violations, such as a DUI or driving without insurance, to file an SR-22 form. SR-22 forms certify that you have the minimum amount of car insurance on your policy. You’ll only need to file an SR-22 form if a court or other state authority orders you to do so. Your insurer should be able to file the form for you. Be sure to speak with your insurer about how to file an SR-22 form through them.

Filing Claims

If you find yourself in a car accident, you’ll likely need to file a claim. Even if you don’t, it’s always a good idea to let them know about the collision. Each state has rules for how you and your insurer should handle the claims process. This includes how long an insurer has to settle your claim and the deadline for you to file one.

How Long Do Insurers Have to Settle a Claim?

Insurers need to settle your claim by a certain deadline. In Ohio, insurers have 46 days to settle your auto insurance claim. Here’s how the deadline breaks down:

  • 15 days to acknowledge that they’ve received the claim
  • 21 days to accept or deny the claim
  • 10 days to pay you

How Long Do You Have to File a Claim?

Insurers aren’t the only ones that need to follow deadlines with insurance claims. Ohio doesn’t set a specific time limit for filing claims. However, your insurer will more than likely have deadlines for you to follow. It’s always best to report an accident as soon as possible. Be sure to check with your insurer to see how long you have to file a claim.

Credit History

Insurers often use your credit score as a factor in determining your rates. Some states, such as California, don’t allow insurers to do so. But Ohio isn’t one of those states. Insurers in Ohio may use your credit score as a way to choose your rates. Companies can also use your credit score to decide whether they want to offer you a policy or not.

Policy Cancellation

In Ohio, an insurer may not cancel your policy after 90 days unless there’s a good reason to do so. Reasons for policy cancellation include:

  • Not paying your premium
  • Committing fraud or misrepresenting information
  • Becoming a high-risk driver (offenses such as DUIs and at-fault accidents can cause this)
  • Attempting to hide hazardous or immoral info about yourself

Price Optimization

It’s a common practice for insurers to use “price optimization” to set rates for consumers. This is where insurers raise your prices just high enough before you go elsewhere for a better deal. Ohio bans insurers from doing this. More specifically, insurers may not use factors “unrelated to risk” to change your rates.

Ohio Drunk Driving Laws

Drunk driving is a dangerous decision. It can put yourself and others in harm’s way. You can also find yourself drowning in legal trouble after the fact. In Ohio, a DUI or operating a vehicle under the influence (OVI) penalty is when:

  • Your blood alcohol content (BAC) is 0.08 or above
  • It’s clear that your actions and behavior were impaired by a substance, such as alcohol
  • You’re found to have cocaine, heroin, marijuana, methamphetamine, amphetamine, PCP, or other illegal substances in your body

Getting a DUI/OVI in Ohio comes with serious consequences. After each offense, penalties get even more severe. Here’s what’ll happen when you get a DUI/OVI in Ohio:

First offense:

  • Up to $1,075 in fines
  • License suspension of up to three years
  • Jail time of three to six days

Second offense:

  • Up to $1,625 in fines
  • License suspension of up to seven years
  • Jail time of up to six months

Third offense:

  • Up to $2,750 in fines
  • License suspension of up to 12 years
  • Jail time of up to one year

Keep in mind that getting a DUI/OVI won’t only cause you trouble with the law, it can affect your insurance. Your rates are sure to go sky high. Insurers may also label you as a high-risk driver, making it hard for you to get coverage. If this happens, you may need to turn to state-assigned risk pools or non-standard insurance.

Ohio Driver’s License Points System

Ohio uses a driver’s license points system to keep track of moving violations on your record. After you reach a total of 12 points in two years, the BMV will suspend your license for six months. But to reinstate your license, it’s not as simple as waiting out the suspension. Here’s how to get your license back:

  • Attend and complete a remedial driving course
  • File an SR-22 form
  • Pay a fee to reinstate your license
  • Take a new driver’s license test

Most Popular Cars

The most popular cars differ based on the state. Car insurance companies keep a close watch on which cars are the most popular. This is because they’re the most desired cars, but they may also be a target for crooks. Below were Ohio’s most popular cars in 2021:

  1. Ram 1500/2500/3500
  2. Honda CR-V
  3. Chevrolet Silverado
  4. Ford F-Series
  5. Honda Civic

Most Stolen Cars

Insurers also pay attention to which cars were the most stolen in each state. These cars are often a target for thieves. As a result, owning one of these could cause your comprehensive insurance rates to be higher than average. These were Ohio’s most stolen vehicles in 2021:

  1. 2004 Ford Pick-Up (Full Size)
  2. 2020 Chevrolet Pick-Up (Full Size)
  3. 2003 Honda Accord
  4. 2016 Honda Civic
  5. 2010 Chevrolet Malibu
  6. 2012 Ford Fusion
  7. 2008 Chevrolet Impala
  8. 2020 Toyota Camry
  9. 2019 Jeep Cherokee/Grand Cherokee
  10. 2020 Nissan Altima
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