Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
The minimum liability car insurance requirements in Ohio are $25,000 in bodily injury liability insurance per person ($50,000 per accident) plus $25,000 in property damage liability insurance. These requirements can also be written as 25/50/25.
Key Things to Know About Liability Car Insurance in Ohio
- Some communities are exempt. Per Alaska state legislature, if you live in certain communities, you are exempt from vehicle registration, the Mandatory Insurance Law, and CDL road testing. In this case, you are not required to purchase liability insurance.
- It covers others' expenses. Liability insurance pays for others' medical expenses and property damage after an accident you were responsible for.
- There are penalties for driving without the required coverage. If Ohio drivers do not satisfy Ohio's minimum liability requirements, they can face penalties for driving without insurance.
- Drivers should consider purchasing higher limits. Drivers should consider buying more than the minimum amount of liability coverage required by Ohio law if they can afford it. If you cause an accident that results in damage beyond your policy limits, you will be personally responsible for paying the difference.
- Liability insurance will not cover all events. Ohio drivers can also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder's own injuries or property. For instance, both collision insurance and comprehensive insurance cover damage to the policyholder's car. You will likely need these types of insurance if your vehicle is financed.
To learn more, check out WalletHub's guides on how much car insurance you need and cheap car insurance in Ohio.
People also ask
How much liability insurance do I need?
You need enough liability insurance to cover your net worth. Having coverage equal to the value of the assets you own and all the money you have, minus your debt, protects you financially in case of a serious car accident.
When to Carry Only the Minimum Liability Coverage
Although almost every state requires drivers to carry liability insurance, the minimum coverage is not always enough to cover the cost of an accident. It’s always...
read full answerIs uninsured motorist coverage required in Ohio?
No, uninsured motorist coverage is not required in Ohio – it is optional. Drivers can choose to buy $25,000 in uninsured motorist bodily injury coverage per person (up to $50,000 per accident), as well as $25,000 in uninsured motorist property damage insurance per accident.
Additionally, drivers have the option to purchase $25,000 in underinsured motorist bodily injury coverage per person (up to $50,000 per accident) along with $25,000 in underinsured motorist property damage insurance...
read full answerIs personal injury protection required in Ohio?
No, personal injury protection (PIP) is not required in Ohio. PIP is not even available in Ohio. Instead of PIP insurance, Ohio insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident.
MedPay is similar to PIP insurance in that both handle your medical bills even if you cause a car accident. But MedPay covers less than personal injury protection, with no provisions for lost...
read full answerDid we answer your question?