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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

Ohio drivers save up to 12% when you quote online!

If you’re an Ohio resident in search of car insurance, you’ve come to the right place. Starting your Elephant Insurance quote online could earn you a healthy discount right away. Choosing coverage can be tricky, but it doesn’t have to be. Elephant’s Quote Wizard makes finding the coverages you need easy. Get an Ohio car insurance quote online today.

Ohio car insurance requirements

Drivers are required to have at a minimum 25/50/25 liability limits on their car insurance in Ohio. 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:

Protect your car with comprehensive and 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.

Rental reimbursement

Rental reimbursement can help pay for your rental car if you aren’t able to drive your car 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 your car insurance rates 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

Ohio car insurance rates may trend up or down. The premium you pay will depend on these overall rate trends.

Ohio car insurance discounts

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 the age of 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.

Ohio car insurance FAQs

The following questions are a few frequently asked about car insurance in Ohio.

What car insurance coverage is right for me?

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?

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 if I need to get my car repaired after an accident in Ohio?

If you need to get your car repaired after an accident in Ohio, you have a few options:

File a claim with your insurance company: If the damaged vehicle is covered by your comprehensive or collision coverage, or if the other driver’s insurance company doesn’t agree to pay for the repairs, your insurance company can help pay for the repairs to your car.
File a claim with the other driver’s insurance company: If the other driver was at fault for the accident, you can file a claim with their insurance company. You will need to provide them with proof of the accident, such as a police report and an estimate from a body shop. If the other driver’s insurance company agrees that they are at fault, they may pay for the repairs to your car.
Pay for the repairs yourself: If you do not have comprehensive or collision coverage, or if the other driver’s insurance company does not agree to pay for the repairs, you will need to pay for the repairs yourself. You can take your car to any body shop you choose, but you may want to get estimates from several shops before you decide.

What affects car insurance rates in Ohio?

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?

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?

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?

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?

When people talk about full coverage auto insurance, they’re usually referring to a car insurance policy that is a collection of coverages to help protect the policyholder in various situations. It’s not a specific type of insurance and the term can vary in meaning. Typically, full coverage is liability (usually includes bodily injury and property damage) plus comprehensive and collision coverage. When you finance or lease your vehicle, your lender or leasing company may require you to carry comprehensive and collision coverage. To find out what coverage you need, check out our Coverage Wizard.

Do you need car insurance to register a car in Ohio?

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?

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?

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.

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Why choose Elephant for your car insurance in Ohio?

Here at Elephant Insurance, our licensed insurance agents answer questions without the jargon and offer car insurance in Ohio tailored to your needs. Here are a few things we think set us apart from the competition.

Auto insurance at a fair price

Find the car insurance coverage you need to protect yourself and your car, discounts to save money, and add-on services like real-time roadside assistance to make life easier.

Tools to make car insurance simple

Manage your policy and file claims quickly and easily with our mobile app, online account access, claims photo app, and agent chat. Learn more about our policy perks.

Flexible car insurance options

Flexible payment options and online tools. With flexible payment plans, multiple purchase options, convenient insurance claims filing, and our highly reviewed mobile app, Elephant delivers protection with convenience.

Superior car insurance claims experience

As of 2024, Elephant has earned an excellent rating on Trustpilot score of 4.5 stars out of a possible 5. Our teams work hard to be there when you need us.

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Bundle insurance for more savings

For your convenience and extra savings, we partner with multiple providers to offer home, renters, condo, motorcycle, off-road vehicle, mobile home, RV, and umbrella insurance.

Learn more about bundling your policies

Our customers give us high marks and we hope you will too.

We are proud that 9 out of 10 customers renew with us each term* and that our average Trustpilot score is 4.5/5.0 which is in the excellent range.

And we’re very proud to have been named a Forbes America’s Best Insurance Company 2023. Forbes partnered with Statista to survey over 15,000 U.S. customers of more than 3,300 U.S. insurance companies to create the rankings. Participants rated their insurance providers in terms of their overall satisfaction and whether they would recommend them to family and friends.

*89% of customers stayed with Elephant at renewal in 2022.

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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.

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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.