Save on Ohio car insurance
Ohio car insurance
Drive the roads of Ohio with the affordable car insurance protection you deserve. Learn more about what’s required for Ohio car insurance including ways you can save.
Get an Ohio car insurance quote
Get an Ohio car insurance quote for our 12% web discount!
If you’re searching for Ohio car insurance, you’ve come to the right place. Starting your Elephant Insurance quote online could earn you a healthy discount right away. Choosing the right coverage can be tricky, but it doesn’t have to be. Elephant explains and provides everything about Ohio car insurance requirements while helping you save money on your policy.
Ohio minimum car insurance requirements
In Ohio, it’s illegal to drive without insurance. Ohio drivers are required to have at a minimum 25/50/25 liability limits on their auto insurance coverage. Liability coverage is a third-party coverage meaning that it provides bodily injury or property damage coverage for the other party involved in the accident, not the insured. The minimum limits required in Ohio are:
- $25,000 limit for bodily injury liability coverage per person
- $50,000 limit for bodily injury liability coverage per accident
- $25,000 limit for property damage liability coverage per accident
Liability coverages
Liability coverage helps pay for the expenses of other people (not you) relating to injuries and property damage if you cause an accident. Even though it doesn’t cover your injuries or damaged property, liability coverage does help to protect you from being on the hook financially if you cause an accident. Learn more about the differences between liability and what is meant by full coverage.
Also, you may want to consider buying more than the minimum liability coverage. The minimum liability limits might be too low if you cause a multi-vehicle accident or the other driver’s car is totaled. If you don’t have enough liability coverage to pay for the damages and injuries you cause, you might have to pay the rest out of your own pocket.
Additional coverages available for car insurance in Ohio
Take advantage of more auto insurance coverage options available in Ohio, including:
Comprehensive & collision coverage
Comprehensive and collision coverages help pay to repair or replace your car if it is damaged, regardless of who is at fault. Comprehensive coverage can help cover the value of your vehicle if it’s stolen as well as cover expenses like broken door locks and smashed windows. Collision insurance coverage helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object, such as a fence or a tree. When you set up your policy, you set a deductible that you pay out of pocket and your insurance company pays for the remaining damage up to the limits you select.
Medical payments or MedPay
Medical payments is a type of insurance that may provide reimbursement up to the limits of the policy for your reasonable and necessary medical expenses and funeral expenses if you are injured in a car accident, regardless of who is at fault.
MedPay coverage may apply no matter who is at fault in the accident.
Uninsured/underinsured motorist
When the person at fault for an accident does not have motor insurance, uninsured motorist coverages will cover damages, medical treatment, and lost wages. If your injury expenses exceed the at-fault party’s liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person’s insurance.
- (UMBI/UIMBI) bodily injury helps cover your medical expenses, lost wages, and pain and suffering if you’re injured in an accident caused by an uninsured or underinsured driver.
- (UMPD/UIMPD) property damage helps cover damage to your car if it is hit by an uninsured or underinsured driver
Rental reimbursement
Rental reimbursement can help pay for your rental car if you can’t drive it for more than 24 hours because of a loss covered by comprehensive or collision coverage.
Roadside assistance
Roadside assistance coverage saves you from being stranded on the side of the road when something goes wrong with your car. If purchased, roadside assistance is available for use when your car is disabled due to a covered emergency, such as:
- a mechanical or electrical breakdown
- battery failure
- insufficient supply of fuel, oil, water, etc.
- flat tire
- lock-out
- entrapment in snow, mud, water, or sand
Personalize your car insurance policy with more protection
In addition to the coverages offered above, Elephant offers additional options to personalize your auto insurance in Ohio. A few of these include the following:
Upgraded accident forgiveness
At Elephant, accident forgiveness is a policy feature that’s automatically earned after you go 3 consecutive years without having an accident on your policy. Instead of waiting 3 years for this waiver, you may be able to purchase upgraded accident forgiveness that starts with your policy.
Legal coverage
For as little as $5/month, you can have peace of mind that your covered legal needs will be handled by specialized attorneys for many of the complicated situations that life can throw at you with our Legal Resources Plan.
Diminishing deductible
Diminishing deductible, sometimes called a “disappearing” or a “vanishing” deductible, is a coverage feature that can be added onto a vehicle’s collision deductible to lower the out-of-pocket costs in the event of an accident.
Factors that impact rates for your car insurance in Ohio
Your Ohio car insurance rate is dependent on many variables. Here are a few factors that help determine your insurance rate:
Driving record
Frequent accidents, tickets, and insurance claims alert the insurance company that you may be a high-risk driver, and your rate may be higher than a driver without these.
Vehicle usage
If you have a long commute, drive frequently, or use your vehicle for business, you may pay higher rates. If you work from home, park in a garage or covered carport, or don’t drive often, you could qualify for a rate reduction or additional discounts.
Type of vehicle
The type of vehicle you drive can impact your insurance rate. Cars that are older, smaller, have a lower safety rating, are more expensive to repair or replace, or are considered luxury vehicles often require higher premiums. Learn more about how your vehicle impacts your rates.
Rate trends
Rates for car insurance in Ohio may trend up or down. The premium you pay will depend on these overall rate trends.
How to save on car insurance in Ohio
We know that every dollar counts these days, so Elephant offers a number of car insurance discounts to help you save money on your Ohio car insurance. Whether you have multiple vehicles, are working from home, or have a good student on your car insurance policy, we have a discount for you.
State discounts
Ohio drivers can take advantage of the many car insurance discounts offered by Elephant including:
- Multi-car discount
- Responsible driver discount
- Good student discount
- Paperless account discount
You can also save up to 12% just by starting your Ohio auto insurance quote online!
See all auto insurance discounts.
Save on Ohio car insurance when you bundle!
Unlock even more savings when you bundle your insurance policies. Combine select coverages like homeowners or renters insurance with your auto policy to keep money in your pocket with our multi-policy discount.
Ohio car insurance and driving laws
Insurance companies in Ohio are required by law to provide fair, reasonable rates to all eligible drivers. There are some laws that impact qualifying for insurance and your rates.
SR-22 in Ohio
If you’re found guilty of certain traffic offenses, such as driving under the influence or getting too many traffic violations, you may be required to file an SR-22 form to reinstate or maintain your driving privileges. For more information, please visit the What is an SR22 and how does it work?.
Ohio distracted driving laws
Distracted driving is involved in many traffic accidents according to the National Highway Traffic Safety Administration. Texting while driving is illegal in Ohio and violations may result in high fines. Drivers may contact local municipalities to become familiar with any ordinances or local laws in effect related to distracted driving. Please see Ohio’s phones down law. For more information, read more about cell phones and safe driving.
Teen driving laws in Ohio
Learning to drive comes with a lot of responsibility, and there are restrictions in place for drivers under 18. Check with your insurance company before your teen obtains a permit to learn more about adding them to your policy. For more information on teen driving laws, visit the Ohio Bureau of Motor Vehicles.
Traffic offenses
If you receive a moving violation, DUI, license suspension, or revocation you will likely pay higher Ohio car insurance premiums.
Out-of-state violations
Most states share out-of-state violations with the driver’s home state. Once your insurance company is notified, they will determine whether the violation will impact your premium.
Contact us today for Ohio auto insurance
If you have questions about car insurance in Ohio, visit our Coverage Wizard to explore the coverages you want, complete an online quote, or reach out to an Elephant licensed agent at 1-855-ELEPHANT.
Frequently asked questions about Ohio car insurance
The following questions are a few frequently asked about car insurance in Ohio.
What car insurance coverage is right for me?
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Like most things, Ohio car insurance isn’t one-size-fits-all, but when you have the right tools, you can feel confident in the coverages you’ve selected. For more guidance, check out our Coverage Wizard or read more in-depth about the Ohio car insurance coverages Elephant offers. When you’re familiar with each of the coverage types and your state’s minimum requirements, you’re well on your way to finding the coverage that works best for you.
When and how can I change my Ohio car insurance policy?
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Changes to your Ohio car insurance can be made at any time during the life of the policy. Making changes to your policy should be easy and can be done by logging into your online account or using the Elephant mobile app.
What affects car insurance rates in Ohio?
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There are many factors that can affect car insurance rates in Ohio, including:
- Your age: Younger drivers are typically considered to be more risky than older drivers, so they tend to pay higher rates.
- Your driving history: A clean driving record will help you get lower rates. However, even a single at-fault accident can increase your rates.
- The type of car you drive: The make and model of your car can also affect your rates. Cars that are more expensive to repair or replace typically have higher rates.
- Your annual mileage: Drivers who drive more miles per year typically pay higher rates.
- Your location: The city or town where you live can also affect your rates. Cities with higher rates of accidents or theft typically have higher rates.
To find out what coverage you need, check out our Coverage Wizard
What are the requirements for auto insurance in Ohio?
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Ohio requires drivers to carry proof of car insurance in their vehicles at all times.
Ohio car insurance laws require drivers to have a minimum 25/50/25 liability limits on their car insurance coverage. Liability auto insurance is a type of car insurance that helps protect you financially if you are found at fault in an accident. It can help cover the cost of injuries to other people and damage to their property. Liability coverage is a third-party coverage, meaning that the payout is for the other party involved in the accident, not the insured.
Ohio minimum car insurance liability limits required are:
- $25,000 limit for Bodily injury liability coverage per person
- $50,000 limit for Bodily injury liability coverage per accident
- $25,000 limit for Property damage liability coverage per accident
While not required in Ohio, you may want to consider adding uninsured and underinsured motorist coverage. Uninsured motorist (UM) and underinsured motorist (UIM) are first-party coverages, meaning that the payout is for the insured drivers on the policy, not the third party. This additional coverage protects you against uninsured drivers and those who have insurance but not enough to cover damages you incur in an accident.
What liability insurance is required in Ohio?
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Liability insurance helps protect you financially if you are found at fault in an accident. Liability coverage helps pay to repair the other driver’s car if you caused the accident up to the limits you select; costs that exceed those limits are the responsibility of the driver. It can also help pay the other driver’s and their passengers’ medical bills and some other covered expenses. Ohio law requires you to have at least $25,000 of coverage for injuries per person, up to a total of $50,000 of coverage per accident, and $25,000 of coverage for property damage. This is called 25/50/25 coverage.
What is a “25/50/25” minimum auto policy?
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A 25/50/25 minimum auto insurance policy describes the minimum liability limits Ohio requires drivers to carry. Liability insurance helps protect you financially if you are found at fault in an accident. It can help cover the cost of injuries to the other driver and their passengers as well as damage to their property. Policy limits are the maximum amounts that an insurance company can pay out under each type of coverage. Ohio law requires you to have a minimum of $25,000 of liability coverage for injuries per person, $50,000 of liability coverage for injuries per accident, and $25,000 of liability coverage for property damage.
What is considered “full coverage” car insurance in Ohio?
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Ohio only legally requires you to have the state liability minimums of 25/50/25, which could be considered “full coverage”.
However, when agents or insurers describe “full coverage” it typically includes liability coverage plus:
- Comprehensive Coverage: Pays for damages from events like hail, fire, or theft.
- Collision Coverage: Covers the cost to repair your car after an accident with another vehicle.
If you lease or finance your car, most lenders require both Comprehensive and Collision Coverage.
Do you need car insurance to register a car in Ohio?
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Yes, to register your car in Ohio you will be required to show proof of minimum insurance requirements.
You can find more information about registering a car in Ohio at the Ohio Bureau of Motor Vehicles.
Do I need uninsured/underinsured motorist coverage in Ohio?
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While this coverage is not required in Ohio, you may want to consider purchasing uninsured/underinsured motorist bodily injury coverage.
Are you required to have car insurance in Ohio?
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In Ohio, you are required to drive any motor vehicle without insurance or for any motor vehicle owner to allow anyone else to drive the owner’s vehicle without coverage.
Get the peace of mind you need with Ohio car insurance from Elephant
Try our Coverage Wizard to make sure you have the right coverage for your Ohio car insurance or alternatively go straight to our car insurance online quote.
Retrieve your Ohio car insurance quote
If you have visited Elephant’s website previously and started or completed an Ohio car insurance quote, you can easily pick up where you left off by retrieving your quote now.
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Give us a call for car insurance in Ohio
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