Auto Insurance In Ohio

Auto Insurance In Ohio

Learning about the requirements for auto insurance in Ohio is your first step in becoming a lawful driver.  Having a driver's license isn't enough.

Unfortunately, some people make the decision to drive without insurance.  They may even get away with it for a bit, but driving uninsured is a mistake that could ruin your future if you are caught out. 

I don't just mean being caught out by the police, although that will result in fines and a potential loss of license.  What could be even much worse is to be involved in an accident and end up being liable for damages in the tens or even hundreds of thousands of dollars. 

If you don't have the money to pay for a cheap Ohio auto insurance policy, you probably would be devastated by that kind of financial burden.  Just don't run the risk.

I'm not a big fan of spending money on insurance of any type as I consider it wasted money, for the most part.  Having said that, I also believe in following the law and being smart. ;) 

Do what you have to do to keep yourself within the law AND keep your future safe from financial ruin.

Of course, you also have the moral obligation to not leave someone else destitute or financially burdened due to your mistake in an at-fault accident.

Auto Insurance In Ohio
Minimum State Requirements

Legal Requirements for Auto Insurance In Ohio

Now that you've realized that there is no getting around buying car insurance, you'll want to know the Ohio state insurance legal requirements.

There are two types of insurance coverage that you are legally bound to have if you operate an automobile.  Both types have nothing to do with you and everything to do with other people who are affected negatively by your driving.

The first type of coverage is Bodily Injury Liability Coverage.  This covers the cost of medical damages, etc. for others injured in an accident while you are driving.  

The second type of coverage is Property Damage Liability Coverage and, just like it sounds, it covers the cost of damage you may do to other people's property.

Ohio State Insurance Minimums:

  • Bodily Injury Liability - $25,000 per person injured in one accident and at least $50,000 for all persons in one accident

  • Property Damage Liability - $25,000 per accident

Of course, you may want to raise those limits (as medical expenses can sometimes run into the hundreds of thousands and you could be held liable) depending on your assets.  Sometimes, the more you have to lose, the more you have to protect.

Of course, if you have a valuable automobile, you'll want to consider comprehensive and collision coverage as well, but those options are NOT required by law and are your personal choice. 

You can get fairly cheap auto insurance in Ohio if you take the time to shop around.  There are tips and tricks to ensure you get the lowest premiums and still have adequate coverage. 

Drive Safely!

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