# Ohio Car Insurance Guide (2026): Requirements, Costs, Quotes > Ohio requires 25/50/25 liability. See what UM/UIM, collision and comprehensive cover, what Ohio drivers pay on average and how to compare quotes. Source: https://egoodwininsurance.com/blog/auto-insurance/ohio-car-insurance-guide-requirements-costs-and-how-to-compare-quotes/ [Home](https://egoodwininsurance.com/) / [Blog](https://egoodwininsurance.com/blog/) / [Auto Insurance](https://egoodwininsurance.com/blog/#auto-insurance) # Ohio Car Insurance Guide: Requirements, Costs and How to Compare Quotes What Ohio law requires, what drivers here actually pay, and how to compare quotes without giving up the coverage that protects you. In plain English, from an independent agency in Marion and Powell. Please enter a valid 5-digit ZIP code. or call [(740) 387-8335](tel:+17403878335) Almost done Where should we send it? A licensed agent will reach out during business hours. Auto Home Home + Auto bundle Condo Renters Landlord / rental Flood Life Motorcycle RV / motorhome Umbrella Long-term care Health & group benefits Business By clicking **Get My Free Quote**, I give Goodco LLC (eGoodwin Insurance) and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (740) 387-8335 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://egoodwininsurance.com/privacy) and [Terms of Use](https://egoodwininsurance.com/terms), including the [arbitration clause](https://egoodwininsurance.com/terms#arbitration) and [E-SIGN consent](https://egoodwininsurance.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your auto quote. Rather talk now? [Call (740) 387-8335](tel:+17403878335) Mon–Fri 9:00 AM – 5:00 PM Eastern **5.0** On Google (88 Reviews) **Since 1990** Serving Ohio **Independent** Multiple Carriers **2 Offices** Marion & Powell By the **eGoodwin Insurance team** · Reviewed by [**Mark Goodwin**](https://egoodwininsurance.com/about-mark-goodwin), President, licensed Ohio insurance agent since 1990 (OH Lic. #11973) · Updated October 10, 2026 · 19 min read · Marion & Powell, OH The Short Version ## Ohio car insurance requirements, costs and quotes, in 60 seconds - **Ohio car insurance starts with 25/50/25 liability.** That’s $25,000 per injured person, $50,000 per crash and $25,000 for property damage, under Ohio Revised Code 4509.51. It pays other people when you cause a crash, not your own car. - **Ohio is an at-fault state with no PIP requirement.** The driver who causes the crash is responsible, and medical payments coverage is optional. - **Uninsured motorist coverage is optional, and worth keeping.** The Insurance Research Council estimated 18.5% of Ohio drivers were uninsured in 2023, nearly one in five. - **Ohio premiums run below the national average.** The NAIC put Ohio’s 2023 average auto expenditure at $947.24, against $1,281.60 nationally. That’s a statewide average, not your quote. - **Deer are a real Ohio claim.** Hitting a deer is a comprehensive claim, and the State Highway Patrol counted 109,507 deer-involved crashes from 2019 through 2024. - **Do this:** compare quotes at the same limits and deductibles, keep UM/UIM matched to your liability, and review your policy before every renewal. Free policy review Want a second set of eyes on your auto policy? Send your ZIP and we’ll walk through your liability limits, UM/UIM and deductibles with you. No spam, no obligation. What do you need? Auto Home Home + Auto bundle Condo Renters Landlord / rental Flood Life Motorcycle RV / motorhome Umbrella Long-term care Health & group benefits Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(740) 387-8335](tel:+17403878335) · Mon–Fri 9:00 AM – 5:00 PM 5.0★ · 88 Google reviews · Independent Ohio agency since 1990 Almost done Where should we send it? A licensed agent will reach out during business hours. By clicking **Get My Free Quote**, I give Goodco LLC (eGoodwin Insurance) and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (740) 387-8335 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://egoodwininsurance.com/privacy) and [Terms of Use](https://egoodwininsurance.com/terms), including the [arbitration clause](https://egoodwininsurance.com/terms#arbitration) and [E-SIGN consent](https://egoodwininsurance.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your auto quote. Rather talk now? [Call (740) 387-8335](tel:+17403878335) Mon–Fri 9:00 AM – 5:00 PM Eastern Maybe your renewal came in higher than last year. Maybe your teenager just passed the driving test in Marion, or you’re signing for a new SUV and the dealer wants proof of insurance before you drive off the lot. Or maybe you’ve carried the same Ohio car insurance for a decade and never looked past the price. Most people don’t read their auto policy until after a crash, a deer on US-23 or a slide on an icy ramp. This guide is the version you read before. We’ll cover what Ohio law requires and what happens if you drive without coverage. Then we’ll explain why uninsured motorist coverage matters, how liability, collision and comprehensive fit together, and what Ohio drivers pay on average. We’ll finish with how to compare quotes without quietly giving up the coverage that protects you. We’ve been helping Ohio drivers with these decisions since 1990, from our offices in Marion and Powell, and we work for you, not an insurance company. ## What car insurance does Ohio require? **The short answer:** Ohio requires liability coverage of at least 25/50/25 on every car you drive, under Ohio Revised Code 4509.51, plus proof of that coverage whenever you’re asked for it. [Ohio Revised Code 4509.51](https://codes.ohio.gov/ohio-revised-code/section-4509.51) sets the minimum. In plain English: **$25,000** for injuries to one person, **$50,000** for injuries to two or more people in the same crash, and **$25,000** for damage to other people’s property. Those limits have applied since December 22, 2013, when Ohio raised them from 12.5/25/7.5. The Ohio Department of Insurance’s [automobile insurance guide](https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide) calls them “the bare minimums.” Liability works in one direction. It pays the **other** driver’s medical bills and repairs when you’re at fault, and it pays for your legal defense if you’re sued. It doesn’t fix your car, and it doesn’t pay your own medical bills. **Ohio is an at-fault state.** The driver who causes a crash is responsible for the damage, and Ohio has no personal injury protection (PIP) requirement. Fault can be shared, too. Under [Ohio Revised Code 2315.33](https://codes.ohio.gov/ohio-revised-code/section-2315.33), you can still recover damages as long as your share of the fault isn’t greater than everyone else’s combined. Put simply, if you’re 50% or less at fault, you can still recover, reduced by your share. **Proof of insurance.** Keep your insurance ID card in the car. Ohio law also lets you show proof electronically on your phone, and an officer may look only at the proof itself, not anything else on the device (Ohio Revised Code 4509.101 and 4509.103). If you’re in a crash that requires a report, proof of coverage goes with the report. Worth watching **A bill in the Ohio House would change these rules.** House Bill 596 in the 136th General Assembly would raise Ohio’s minimum liability limits and require uninsured motorist coverage on every policy. As of October 2026 it had been introduced and referred to committee, according to the [Ohio Legislature](https://www.legislature.ohio.gov/legislation/136/hb596) . Nothing has changed yet. We’ll update this guide if it moves. ## What happens if you drive without insurance in Ohio? **The short answer:** Driving uninsured in Ohio can cost you your license, a reinstatement fee of $40 to $600 and a requirement to keep proof of coverage on file, and it leaves you personally responsible for any crash you cause. [Ohio Revised Code 4509.101](https://codes.ohio.gov/ohio-revised-code/section-4509.101) requires every driver and owner to keep proof of financial responsibility in force continuously. Most people do that with an auto liability policy. If you’re caught without it, the law calls for: - **A license suspension**, which gets longer for repeat violations. - **A reinstatement fee** before you can drive again: $40 for a first violation, $300 for a second and $600 for a third or later, according to the statute as of October 2026. - **Proof of coverage on file with the BMV** for a period afterward, often called an SR-22 filing. That usually means paying more for insurance for a while. The bigger risk is the crash itself. Without insurance, the medical bills and repairs you cause are yours to pay personally. Out-of-date advice to ignore **Ohio no longer runs random insurance checks.** You’ll still see older articles warning about the BMV’s “random selection” letters. That program ran from 1998 and was eliminated in the 2019 state transportation budget, according to the [Ohio Insurance Agents association](https://ohioinsuranceagents.com/news/2019/ohio-bmvs-financial-responsibility-random-verification-program-eliminated/) . Today, coverage is checked mainly at traffic stops and after crashes, so keeping your proof current matters more than ever. ## Is uninsured motorist coverage required in Ohio, and should you keep it? **The short answer:** No, uninsured and underinsured motorist (UM/UIM) coverage is optional in Ohio, but with nearly one in five Ohio drivers estimated to be uninsured, we recommend keeping it at limits that match your liability. Ohio law is unusually plain on this. A policy “may, but is not required to, include uninsured motorist coverage, underinsured motorist coverage, or both,” under [Ohio Revised Code 3937.18](https://codes.ohio.gov/ohio-revised-code/section-3937.18). You’ll see some websites say Ohio insurers must offer it. That hasn’t been the law for years. Whether it’s on your policy depends on what you and your company chose. 18.5% of Ohio drivers were estimated to be uninsured in 2023, the 12th-highest rate in the country, compared with 15.4% nationally. Source: Insurance Research Council, via the [Insurance Information Institute](https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists) . **Uninsured motorist (UM)** coverage steps in for your injuries when the at-fault driver has no insurance, or in a hit-and-run. **Underinsured motorist (UIM)** coverage helps when the at-fault driver’s limits are too low to cover your injuries. There’s one Ohio detail that changes how much UIM you should carry. Under 3937.18, your UIM limit is **reduced by what the at-fault driver’s insurance pays**. Say you carry $25,000 of UIM and the driver who hit you carries the $25,000 minimum. Your UIM may have nothing left to pay, depending on your policy. UIM only does real work when your limits are higher than theirs. The Ohio Department of Insurance also notes that companies can’t sell you UM limits higher than your liability limits. Raising one often means raising both. Two smaller coverages sit nearby: - **Medical payments coverage** is optional and pays medical bills for you and your passengers regardless of fault. ODI is careful to note that it’s not health insurance. - **Uninsured motorist property damage** is also optional and covers your car when an uninsured driver hits it. ODI points out you wouldn’t need it if you already carry collision. **Reviewed by Mark Goodwin.** Mark has been a licensed insurance professional since 1990. He took over his father’s family agency in Marion and grew it into eGoodwin Insurance, an independent agency with offices in Marion and Powell, and he serves on the boards of the Powell Chamber of Commerce (past president) and the Powell Development Corporation. When our team reviews an auto policy, a missing or rejected UM/UIM is one of the first things we look for. “We work for you, not an insurance company.” ## Liability, collision and comprehensive: what’s the difference in Ohio? **The short answer:** Liability pays for damage you cause to others, collision pays to fix your own car after a crash, and comprehensive pays for theft, hail, fire and hitting a deer; only liability is required by Ohio law. You won’t find “full coverage” in Ohio law. When people say it, they usually mean liability plus collision and comprehensive. A policy that meets the legal minimum can still leave you paying for your own car. Here’s how the main Ohio auto coverages line up: Source: Ohio Department of Insurance, [Automobile Insurance Guide](https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide) (November 2024), Ohio Revised Code 4509.51 and 3937.18. Your policy’s wording controls. Coverage What it pays for Required in Ohio? Liability Other people’s injuries and property when you cause a crash, plus your legal defense. Required At least 25/50/25. Uninsured/underinsured motorist Your injuries when the at-fault driver has no insurance or too little. Optional Can’t exceed your liability limits. Medical payments Medical bills for you and your passengers, regardless of fault. Optional Ohio has no PIP requirement. Collision Repairing or replacing your car after a crash, whoever caused it. Optional Your lender will usually require it. Comprehensive Theft, fire, vandalism, hail, falling objects and hitting an animal. Optional Your lender will usually require it. Rental reimbursement A rental car while yours is repaired after a covered claim, up to a set limit. Optional Check the daily limit. Gap The difference between your loan balance and the car’s value after a total loss. Optional Worth asking about on a new loan. If you still owe money on your car, your lender will usually require collision and comprehensive. Once it’s paid off, keeping them is your decision, and it comes down to what the car is worth and what you could pay yourself. Our [Ohio auto insurance page](https://egoodwininsurance.com/auto-insurance) covers the options we can quote for you. Ohio watch-out **Deer season is claim season.** The Ohio State Highway Patrol’s [deer crash bulletin](https://dam.assets.ohio.gov/image/upload/statepatrol.ohio.gov/DeerCrashBulletin_2024.pdf) counted 109,507 deer-involved crashes from 2019 through 2024. November alone accounts for 22% of them, and October through December for 47%. ODI’s guide confirms that hitting a deer falls under comprehensive, not collision. With liability only, that repair is yours. With comprehensive and a $500 deductible, a $3,800 repair would leave the policy paying about $3,300, depending on your policy and the adjuster’s findings. ## How much liability coverage does an Ohio household need? **The short answer:** Enough to protect what you own and earn, which for most households means limits well above Ohio’s 25/50/25 minimum, because costs beyond your limits can come back to you personally. One serious crash with a newer vehicle or more than one injured person can go past the minimum quickly. Here’s how that plays out: Illustrative example · not a quote You rear-end an SUV in slow traffic on US-23 near Delaware, and you’re at fault. The other driver’s medical bills come to **$40,000** , the passenger’s to **$15,000** , and the SUV, worth **$32,000** , is totaled. That’s **$87,000** in damage. - With **25/50/25** limits, the policy pays up to $25,000 for the driver and $15,000 for the passenger ($40,000, under the $50,000 per-crash cap), plus $25,000 for the SUV. That’s $65,000, leaving **$22,000** ($15,000 + $7,000) that could come back to you. - With **100/300/100** limits, each amount falls inside its limit, so the policy would have room for all **$87,000** in this example. Real claims can also include lost wages, pain and suffering and legal costs, and how any claim is paid depends on your policy and the facts. There’s no single right number, but there are good questions to ask: - **What could a lawsuit reach?** Home equity, savings and future wages all count. - **Who drives your cars?** A newly licensed teen or a long daily commute down I-71 or US-33 changes the odds. - **What do you carry for your own family?** Since Ohio caps UM at your liability limits, low liability also means low protection for your own family. For households with real assets to protect, an [umbrella policy](https://egoodwininsurance.com/policies/umbrella-insurance/) adds a layer of liability protection above your auto and home policies. We can price one alongside your auto quote. When we review an auto policy, the liability line is the first thing we read, before the price. We usually price two or three limit levels side by side so you can see what each step up costs in dollars. Compare Ohio quotes See your limits priced side by side. We’ll quote the same coverage across the companies we represent, at two or three liability levels, so you can see each step in dollars. What do you need? Auto Home Home + Auto bundle Condo Renters Landlord / rental Flood Life Motorcycle RV / motorhome Umbrella Long-term care Health & group benefits Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(740) 387-8335](tel:+17403878335) · Mon–Fri 9:00 AM – 5:00 PM 5.0★ · 88 Google reviews · Independent Ohio agency since 1990 Almost done Where should we send it? A licensed agent will reach out during business hours. By clicking **Get My Free Quote**, I give Goodco LLC (eGoodwin Insurance) and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (740) 387-8335 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://egoodwininsurance.com/privacy) and [Terms of Use](https://egoodwininsurance.com/terms), including the [arbitration clause](https://egoodwininsurance.com/terms#arbitration) and [E-SIGN consent](https://egoodwininsurance.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your auto quote. Rather talk now? [Call (740) 387-8335](tel:+17403878335) Mon–Fri 9:00 AM – 5:00 PM Eastern ## How much does car insurance cost in Ohio? **The short answer:** The NAIC put Ohio’s 2023 average auto insurance expenditure at $947.24 a year, about 26% below the $1,281.60 national figure; that’s a statewide average, not a quote. These figures come from the National Association of Insurance Commissioners’ [2023 Auto Insurance Database Average Premium Supplement](https://content.naic.org/sites/default/files/aut-db_1.pdf), published in 2025. As of October 2026, they’re the latest state-by-state NAIC figures available. The same report shows Ohio at **$835.23 in 2022**, so the average rose about 13% in one year. Source: NAIC, [2023 Auto Insurance Database Average Premium Supplement](https://content.naic.org/sites/default/files/aut-db_1.pdf) (2025). Statewide averages, not quotes. Liability figures rounded as published. 2023 measure Ohio United States Average expenditure **$947.24** $1,281.60 Combined average premium **$1,037.63** $1,438.46 Liability average premium about $485 about $737 Collision average premium $363.32 $463.69 Comprehensive average premium $189.23 $238.21 How to read these numbers **Average expenditure** divides all the liability, collision and comprehensive premium Ohioans paid by the number of insured cars. It assumes every car carries liability but not every car carries collision or comprehensive. **Combined average premium** adds the average cost of all three, as if every car carried them. That’s why it’s higher. NAIC also cautions against reading too much into state-to-state comparisons, because states differ in their coverage requirements and in what drivers choose. **Why do other websites show higher Ohio averages?** Most of the “average cost” numbers you’ll find online price one sample driver buying full coverage at limits well above the minimum. That’s a different question from what Ohioans actually spent on average, so the numbers disagree. Neither one is your price. A statewide average blends every driver, car, ZIP code and coverage choice in Ohio, so your quote can land well above or below it. Look past the premium Minimum limits, no UM/UIM and no comprehensive usually mean a lower premium. They also mean a far bigger bill after one bad afternoon on an icy highway or one deer at dusk. Read the **limits** and **deductibles** next to the price. ## What moves an Ohio car insurance premium? **The short answer:** Where you live, your age and driving record, how you use the car, the car itself and, with many companies, your credit all matter, along with the limits and deductibles you choose. The Ohio Department of Insurance regulates auto insurance but doesn’t set the rates. Companies file their rating plans with ODI, and each one weighs these factors its own way, according to ODI’s [automobile insurance guide](https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide): Location ### Where you live ODI notes that claims rates are higher in cities, so premiums usually are too. A Columbus ZIP and a rural Marion County ZIP can price differently. Driver ### Age, sex and marital status ODI says young, single male drivers generally have the highest accident rates and pay the most. Record ### Tickets and accidents Premiums are lowest with a clean record. ODI says insurers may ask about the past five years. Use ### How you drive the car A long daily commute costs more than driving mainly for pleasure. Vehicle ### The car itself More expensive cars generally cost more to insure, because they cost more to repair or replace. Credit ### Credit scoring Some insurers use credit. ODI says you can ask to have it re-checked each year, and re-rated if a credit report error is corrected. **Your driving record has a long tail in Ohio.** The BMV suspends your license if you build up 12 or more points within two years (Ohio Revised Code 4510.037). Ohio’s hands-free law, in effect since April 4, 2023, makes holding your phone while driving a ticketable offense. A first offense can mean a fine of up to $150 and two points, according to [Ohio Legal Help](https://www.ohiolegalhelp.org/legallyinformed-hands-free-law-driving). Tickets and at-fault accidents can lead to surcharges or lost discounts at renewal. ODI says a single not-at-fault accident shouldn’t raise your premium. **Discounts are real, but they vary by company.** ODI lists common ones: multi-car, good student, home and auto bundling, anti-theft devices and anti-lock brakes. Drivers aged 60 to 70 who complete an approved accident prevention course of at least eight hours may qualify for a discount that lasts three years. Ask which ones you’re actually getting. Missing discounts are one of the most common things we find when we review a policy. Know your rights ODI’s guide spells out the cancellation rules Ohio insurers follow: - In the first 89 days of a new policy, a company can cancel for almost any reason. After that, it needs a specific reason, such as nonpayment, a suspended license or fraud. - For a cancellation or nonrenewal, the company has to give you 30 days’ written notice, including the reason. - For nonpayment, the notice period is 10 days, and there’s no grace period for a late payment unless your policy provides one. ## How do you compare Ohio car insurance quotes? **The short answer:** Compare quotes at the same limits, deductibles and listed drivers, read the coverage before the price, then change one decision at a time so you can see what each one costs. A quote is a set of coverage decisions with a price attached. Two quotes at different prices often aren’t the same coverage. One may carry lower liability limits, no UM/UIM, a higher deductible or a missing driver. ODI’s own advice is to get quotes from several agents and companies, and to weigh service quality, not just price. That’s exactly what an independent agency does for you. We quote the same coverage across the companies we represent, then walk you through the differences, in this order: - **Start with your current declarations page** It lists your drivers, cars, coverages, limits, deductibles and premium. Use it as the baseline, so every change from it is on purpose. - **Set liability limits to protect what you own** Start from 25/50/25 and ask what 100/300/100 or higher would cost. Think about the home equity, savings and income a lawsuit could reach. - **Match UM/UIM to your liability** With nearly one in five Ohio drivers uninsured, UM/UIM protects your family the way liability protects everyone else. If you turned it down years ago, you can add it back. - **Pick deductibles you could pay tomorrow** Your collision and comprehensive deductibles are what you pay first on a claim. Choose amounts you could cover from savings after a fender bender or a deer strike. - **List every driver and car accurately** Include the teen with a new license and the college student who drives home on breaks. A missing driver or car can cause problems at claim time. - **Give complete history up front** ODI notes that a quote isn’t firm until the company checks your driving record and possibly your credit. Mentioning the ticket from two years ago now prevents a surprise price change later. - **Ask which discounts apply** Multi-car, bundling, good student, safety features and accident prevention courses can all add up, depending on the company. Timing matters too. The best moment to compare is a few weeks before renewal, or before a change like adding a teen driver, buying a car, moving or buying a home. Bundling your [home insurance](https://egoodwininsurance.com/home-insurance) with your cars may lower what you pay, and if you rent, [renters insurance](https://egoodwininsurance.com/renters-insurance) covers the belongings and home liability a car policy doesn’t. Eligibility and discounts vary. ## The bottom line Ohio car insurance starts with a legal floor of 25/50/25 liability, but that floor only protects other people, and only up to those limits. The decisions that matter most sit above it: **liability limits that fit what you own**, **UM/UIM matched to them**, **comprehensive for deer, hail and theft**, and **deductibles you could actually pay**. Ohio premiums still run below the national average, which makes it easier to buy the coverage you need instead of the minimum. If you’d like a second set of eyes, send us your ZIP below or call [(740) 387-8335](tel:+17403878335). We’ll read your declarations page with you, show what your limits would and wouldn’t pay, and quote the same coverage across the companies we represent. Some clients have saved up to 36% when we re-shopped their coverage. Savings vary by household and aren’t guaranteed. You can also start on our [auto insurance page](https://egoodwininsurance.com/auto-insurance) or stop by our [Marion](https://egoodwininsurance.com/marion/) or [Powell](https://egoodwininsurance.com/powell/) office, Monday through Friday from 9 to 5. Free Ohio auto quote Ready when you are. Send your ZIP and a licensed agent from our Marion or Powell office will reach out during business hours. What do you need? Auto Home Home + Auto bundle Condo Renters Landlord / rental Flood Life Motorcycle RV / motorhome Umbrella Long-term care Health & group benefits Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(740) 387-8335](tel:+17403878335) · Mon–Fri 9:00 AM – 5:00 PM 5.0★ · 88 Google reviews · Independent Ohio agency since 1990 Almost done Where should we send it? A licensed agent will reach out during business hours. By clicking **Get My Free Quote**, I give Goodco LLC (eGoodwin Insurance) and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (740) 387-8335 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://egoodwininsurance.com/privacy) and [Terms of Use](https://egoodwininsurance.com/terms), including the [arbitration clause](https://egoodwininsurance.com/terms#arbitration) and [E-SIGN consent](https://egoodwininsurance.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your auto quote. Rather talk now? [Call (740) 387-8335](tel:+17403878335) Mon–Fri 9:00 AM – 5:00 PM Eastern ## Other questions Ohio drivers ask ### Does car insurance cover hitting a deer in Ohio? Yes, if you carry comprehensive coverage. The Ohio Department of Insurance classifies a deer strike as a comprehensive loss, not a collision, so you pay your comprehensive deductible and the policy covers the rest of the covered repair. With liability only, the damage to your car is yours to pay. More on our [auto insurance page](https://egoodwininsurance.com/auto-insurance). ### Should my teen go on our family policy? Usually that’s where to start. ODI’s advice for new drivers is to begin with your family’s insurance agent and say whether your teen will share a car or drive their own. A good student discount is common. We can price your teen on your policy and other options side by side. [Start an auto quote](https://egoodwininsurance.com/quote?type=auto). ### Do I need an umbrella policy on top of my car insurance? If you own a home, have savings or have a teen driver, it’s worth pricing one. An umbrella adds liability protection above your auto and home limits, for the rare claim that goes past them. Our [umbrella insurance page](https://egoodwininsurance.com/policies/umbrella-insurance/) explains how it works with your auto policy. ### Is my motorcycle covered by my car insurance? No. Ohio’s financial responsibility law applies to motorcycles too, and a motorcycle needs its own policy. Ask whether insuring it with the same company as your car earns a multi-policy discount. Our [motorcycle insurance page](https://egoodwininsurance.com/motorcycle-insurance) covers the options. ### Who can I call if I have a problem with my insurance company? Start with your agent, then the company’s customer service and a supervisor. If that doesn’t resolve it, ODI’s Consumer Services Division takes calls at 800-686-1526. If you’re our client, call us first at [(740) 387-8335](tel:+17403878335). Working with the company on your behalf is part of what we do. ## Ohio car insurance FAQ Is Ohio a no-fault state? No. Ohio is an at-fault, or tort, state. The driver who causes a crash is responsible for the other people’s injuries and property damage, usually through their liability insurance. Ohio has no personal injury protection (PIP) requirement, so after a crash your own medical bills are paid by medical payments coverage if you carry it, your health insurance or the at-fault driver’s liability coverage. Fault can also be shared. Under Ohio Revised Code 2315.33, you can still recover damages if your share of the fault is not greater than everyone else’s combined, and your recovery is reduced by your share. What is the minimum car insurance required in Ohio? Ohio requires liability coverage of at least $25,000 for injuries to one person, $50,000 for injuries to two or more people in one crash and $25,000 for property damage, often written as 25/50/25, under Ohio Revised Code 4509.51. Those limits have applied since December 22, 2013. Liability pays other people when you cause a crash. It does not repair your own car or pay for your own injuries. The Ohio Department of Insurance calls these limits the bare minimums, and many households carry much higher limits, because costs beyond your limits can fall on you personally. Is uninsured motorist coverage required in Ohio? No. Under Ohio Revised Code 3937.18, an auto policy may, but is not required to, include uninsured or underinsured motorist coverage. It is still one of the most valuable coverages an Ohio driver can carry. The Insurance Research Council estimated that 18.5 percent of Ohio drivers were uninsured in 2023, nearly one in five. Ohio also reduces underinsured motorist limits by what the at-fault driver’s insurance pays, so UIM helps most when your limits are well above the minimum. Companies cannot sell you UM limits higher than your liability limits, so the two usually move together. What happens if you’re caught driving without insurance in Ohio? Your license can be suspended, and you will owe a financial responsibility reinstatement fee before you can drive again. Under Ohio Revised Code 4509.101, as of October 2026, that fee is $40 for a first violation, $300 for a second and $600 for a third or later. You will also have to keep proof of coverage on file with the BMV for a period afterward, often called an SR-22 filing, which usually means higher premiums for a while. The larger risk is financial: if you cause a crash without insurance, you are personally responsible for the injuries and damage. Does Ohio require full coverage car insurance? No. “Full coverage” is not a term in Ohio law. It usually means liability plus collision and comprehensive. Ohio requires only liability of at least 25/50/25, but if you finance or lease your car, your lender will usually require collision and comprehensive until the loan is paid off. After that, keeping them is your choice. In Ohio, comprehensive is the coverage that pays when you hit a deer, and the State Highway Patrol says 47% of deer-involved crashes happen from October through December, so think twice before dropping it on a car you rely on. How much is car insurance in Ohio per month? The NAIC put Ohio’s 2023 average auto insurance expenditure at $947.24 a year, about $79 a month, compared with $1,281.60 a year nationally. That figure is an average across every insured car in Ohio, including cars with liability only, so it is not a quote. Your price depends on your ZIP code, drivers, driving record and car, your credit with many companies, and the limits and deductibles you choose. Full coverage at higher limits will usually cost more than the statewide average expenditure. About this guide Written by the eGoodwin Insurance team · Reviewed by Mark Goodwin, President Mark Goodwin has been a licensed insurance professional since 1990 (Ohio license #11973, NPN 1421562). He took over his father’s family agency in Marion, is an Ohio State graduate, and today runs eGoodwin Insurance from offices in Marion and Powell, serving drivers across Ohio. He serves on the board of the Powell Chamber of Commerce, where he is a past president, and on the board of the Powell Development Corporation. Facts in this guide come from the public sources linked above, including the [Ohio Department of Insurance](https://insurance.ohio.gov/) and the [Ohio Revised Code](https://codes.ohio.gov/), and we review them at least quarterly. [Meet Mark](https://egoodwininsurance.com/about-mark-goodwin). eGoodwin Insurance (Goodco LLC) is an independent insurance agency representing multiple insurance companies. Coverage is subject to policy terms, conditions, qualifications, underwriting approval and availability. Discounts and savings vary and are not available in all situations. This article is general information, not legal, tax or policy advice; your policy documents control. Last reviewed by Mark Goodwin on October 10, 2026. ## Also read [All Ohio insurance guides →](https://egoodwininsurance.com/blog/) [Coverage ### Auto Insurance in Marion & Powell, OH Independent auto insurance in Marion and Powell, Ohio. We shop several carriers, size coverage past Ohio's 25/50/25 minimum and compare. See coverage →](https://egoodwininsurance.com/auto-insurance) [Coverage ### Home Insurance in Ohio Ohio home insurance from eGoodwin Insurance, an independent agency in Marion and Powell. We shop multiple carriers, insure to rebuild cost and explain storms, water backup and flood. See coverage →](https://egoodwininsurance.com/home-insurance) [Coverage ### Motorcycle Insurance in Marion & Powell, OH Independent motorcycle insurance in Marion and Powell, Ohio: 25/50/25 liability, UM/UIM, winter lay-up, custom parts and gear. We compare carriers. See coverage →](https://egoodwininsurance.com/motorcycle-insurance) ## Let’s look at your auto policy together. Free, and no obligation. Bring your declarations page. We’ll check your liability and uninsured motorist limits, put your deductibles in dollars, and quote the same coverage across the companies we represent. [Get My Free Quote](https://egoodwininsurance.com/quote?type=auto) [or call **(740) 387-8335**](tel:+17403878335) --- **eGoodwin Insurance** · 399 E. Church Street, Marion, OH 43302 · 74 E. Olentangy Street, Powell, OH 43065 · (740) 387-8335 · Mon–Fri 9:00 AM–5:00 PM Eastern Request a quote: https://egoodwininsurance.com/quote-request (plain HTML form) or https://egoodwininsurance.com/quote (guided).