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Ohio Car Insurance

Though Ohio car insurance rates are not especially high, there is no state where it pays more to compare insurance companies. In every ZIP code in Ohio -- all mapped out below -- settling for the average rate means paying nearly 50 percent more than someone who finds the cheapest.

Ohio Car Insurance Requirements
Average Car Insurance Rates in Ohio
Car Insurance Companies in Ohio

Ohio car insurance requirements

Ohio state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $25,000

Ohio Car Insurance Rates by ZIP Code & City

Top Cities
Priciest Neighborhoods
In Ohio
  • 43611: $992
  • 43613: $991
  • 43620: $991
  • 43608: $991
Cheapest Neighborhoods
In Ohio
  • 44836: $647
  • 43359: $653
  • 45863: $655
  • 45832: $655

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What you need to know about car insurance in Ohio

Penny Gusner
Consumer Analyst

Ohio Car Insurance Laws

For decades, Ohio has had very low (and somewhat odd) liability limits of 12.5/25/7.5, but that changed on Dec. 22, 2013, when new, higher limits of $25,000 per person/$50,000 per accident for bodily injury and $25,000 for property damage will be required (25/50/25).

These new limits are more in line with what other states require and better reflect the increase in medical expenses and repair costs that have occurred in the last 40 years. But for some people -- those who have a lot in savings, own a home or have a business -- it is still not enough to shield your assets from lawsuits.

Penalties for being uninsured: If a motorist is unable to show proof of financial responsibility upon request, the vehicle's registration and license plates may be impounded. The driver's license will also be suspended, up to two years. To reinstate the license, the driver must purchase insurance and file an SR-22 document with the state.

Random and not so random: You can be asked for proof of insurance during the course of an ordinary traffic stop, but the Ohio Bureau of Motor Vehicles also has a "Random Selection Program" that mails drivers selected by computer program and asks them to provide current information.

Traffic convictions are forever: While a driver abstract issued to insurance companies by the Bureau of Motor Vehicles will reflect only driver record activity for last three years, convictions never actually come off of an Ohio driving record.

More on Ohio car insurance:

Driving with an expired license in Ohio
Filing a claim after a collision in Ohio
How many points would cause you to lose your license in Ohio

Largest car insurance companies in Ohio by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 1,029,509 18.89
2 Progressive Insurance Group 691,878 12.70
3 Allstate Insurance Group 552,125 10.13
4 Nationwide Group 529,406 9.72
5 Berkshire Hathaway Insurance 299,243 5.49
6 Grange Mutual Casualty Pool 294,768 5.41
7 Liberty Mutual Insurance Companies 227,186 4.17
8 Amer Family Insurance Group 157,076 2.88
9 Erie Insurance Group 151,365 2.78
10 Westfield Group 148,615 2.73
Source: A.M. Best market share rankings are based on direct premiums written in 2013.