The Buckeye State

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Ohio Auto Insurance Coverage

Home to both the Rock and Roll Hall of Fame and the Pro Football Hall of Fame, there's a lot to explore when in Ohio. But, whether you're new to the area or have deep roots in the Buckeye State, it's essential to understand the auto insurance requirements in Ohio. 

Required Auto Insurance in Ohio

Ohio requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Ohio requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $25,000 per accident.

Ohio Teen Driving Laws

Ohio operates under a Graduated Driver's License (GDL) program, which includes three stages: Learner's Permit, Probationary License, and Full License. 

  • Learner's Permit: At 15 and a half, Ohio teens may receive their Learner's Permit once passing a knowledge exam. A Learner's Permit allows teens to drive with a parent, legal guardian, licensed driver over 21, or a certified driving instructor. Teens must complete 50 hours of supervised driving practice (10 hours at night) before moving to the next stage.
  • Probationary License: At 16, teen drivers who have held their Learner's Permit for six months may apply for their Probationary License after completing the required driving practice, completing driver's education, and passing a road skills test. With a Probationary License, teens cannot drive unsupervised between 1:00 AM and 5:00 AM.
  • Full License: At 18, all restrictions for teen drivers are lifted. 

Please be aware of additional restrictions for teen drivers in Ohio.

Ohio Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Ohio. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in Ohio

No law in Ohio states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Ohio auto insurance quote online, or by calling (888) 772-4247.

Learn More About Ohio

A green Welcome to Ohio road sign
About Ohio

Ohio became America's 17th state in 1803. With over 40,000 miles of waterways, Ohio's name originates from the Iroquois word ohi-yo, which translates to "great river."