Ohio State Flag on a Pole

Save on Ohio Car Insurance

Ohio drivers know Elephant has you covered

Get a Quote

Ohio drivers can quote online for our 12% web discount!

If you’re a Ohio resident in search of car insurance, you’ve come to the right place. We know choosing coverage can be tricky, but it doesn’t have to be. Learn about Ohio car insurance requirements while saving money on your policy.


Car Insurance Coverage Requirements in Ohio

Ohio drivers are required to have at least 25/50/25 liability limits on their car insurance coverage. This means:


Bodily Injury Liability coverage per person


Bodily Injury Liability coverage per accident


Property Damage Liability coverage per accident

These minimum coverage requirements protect the victim from property damage or bodily injury in the event of an accident. 28% of Elephant customers in Ohio opt for coverage higher than the state minimum.

You can take advantage of the coverage options available from Elephant Insurance, including:

Liability Coverages

Liability Coverage covers other people (not you) for their injuries and property damage if you cause an accident. Even though it technically doesn’t cover your injuries or damaged property, Liability Coverage does protect you from being financially on the hook if you cause an accident. Learn more about the differences between liability and full coverage.

Comprehensive and Collision

Comprehensive and Collision coverages pay to repair or replace your car if it damaged, regardless of who is at fault. You select a deductible that you pay out of pocket and your insurance company pays for the remaining damage up to the limits you select.


MedPay (or Medical Payments) pays the cost of necessary medical care resulting from injuries you and your passengers receive as a result of an auto accident, and applies regardless of who caused an accident.

Coverage is also provided to the insured and resident relatives, while they are riding in someone else’s car at the time of the accident or if they are struck as a pedestrian.

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.

Rental Reimbursement

Rental Reimbursement provides rental car coverage if your car isn’t drivable for more than 24 hours because of a covered loss under Comprehensive or Collision coverage.

Towing & Roadside Assistance

Roadside Assistance coverage saves you from being stranded on the side of the road when something goes wrong with your car. If you lock your keys in your car or you get a flat tire, you can call Roadside Assistance to get help as soon as possible.


Factors That Impact Your Car Insurance Rate In Ohio

Your 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 are a high-risk driver, and your rate will likely be higher than a driver with a clean record.

Vehicle Usage

If you have a long commute, drive frequently, or use your vehicle for business, you will likely pay higher rates. If you don’t drive often, work from home, or park in a garage or covered carport, you could qualify for a rate reduction.

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 are considered luxury vehicles often require higher premiums. Learn more about how your vehicle impacts your rates.

Rate Trends

Car insurance rates sometimes trend up or down. The premium you pay will depend on these overall rate trends.

Credit Score

In Ohio, a driver with no credit may have a 48% higher premium on average than a driver with excellent credit.


How to Save on your Car Insurance in Ohio

State Discounts

You can take advantage of the many discounts offered by Elephant including:

  • Multi-car discount
  • Responsible driver discount
  • Good student discount
  • Paperless account discount

You can also save 12% just by quoting online!

Save On Your Car Insurance When You Bundle

Unlock even more savings when you bundle your insurance with Elephant. Combine homeowners or renters insurance with your auto policy to keep money in your pocket with our multi-product discount.


Ohio Car Insurance FAQs

Here are a few frequently asked questions about Elephant Insurance policies:

What coverage is right for me?

Like most things, car insurance isn’t one-size-fits-all, but when you have the right tools, you can feel confident in the policies you’ve selected. Now that 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. For more guidance, check out our Coverage Wizard or read more in depth about the coverages Elephant offers!

What if I need to get my car repaired?

To make your claims experience as easy as possible Repair Assistance Program facilities are pre-qualified to ensure quality & exceptional standards.

When and how can I change my car insurance policy?

At any time! Making changes to your policy shouldn’t be difficult. You can login to your account to make most changes to your plan.


Feel confident in your coverage

Quote with us

Be on your way to a better plan in just a few minutes.

Quote Now

Give us a call

Want to speak to someone? No problem.