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ohio car insurance

Ohio is famous for a lot of things — football, higher education, and the Rock and Roll Hall of Fame, to name a few — but high car insurance rates don't need to be one of them.

When you get an Ohio car insurance quote from Esurance, you can see how affordable car insurance rates in the Buckeye State can really be.

We embrace innovative technology like our interactive quoting tool, Express Lane®, which does some of the research for you in order to get you the most accurate quote possible.

Every single Esurance policy is built to save you time and money, and we're confident all residents of your state will benefit from our simple online policy management.

Ohio car insurance discounts from Esurance

We're at the heart of it all when it comes to saving Buckeye State residents some cash on their car insurance. Here's a sampling of our money-saving discounts:

  • Claim-Free discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Homeowners discount
  • Fast 5® discount
  • Switch & Save® discount
  • Good Student discount
  • Defensive Driver discount
  • Multi-Policy discount
  • DriveSense™ discount

Discounts are subject to eligibility. If you have questions about your current Esurance discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

Ohio Renters Plus® discount*

You know you need to protect your car — so why not the rest of your stuff? Add renters coverage to your car insurance policy and get peace of mind in case the unexpected happens. You'll score a discount while you're at it.

Car insurance coverage in Ohio

Required coverages

Ohio drivers are required to carry the following types of liability insurance:

  • $12,500 bodily injury liability per person
  • $25,000 bodily injury liability per accident
  • $7,500 for property damage liability per accident

Please note that these are the state-required minimums. You can opt for more insurance coverage when you buy your Ohio car insurance policy. As a general rule of thumb, you want as much coverage as you can comfortably afford.

How fault works after an accident

Ohio is a "fault" state, which means that one of the drivers in the accident may be found at fault and held liable as a result. Bodily injury liability and property damage liability are required coverages that can kick in to help pay for others' injury bills and repair costs after you're found at-fault in an accident.

Optional coverages

These additional coverages can give you extra peace of mind and financial protection if you ever need to file a claim:

  • Medical payment coverage
  • Uninsured/underinsured motorist bodily injury (UM/UIMBI) coverage
  • Uninsured motorist property damage (UMPD) coverage
  • Comprehensive coverage
  • Collision coverage
  • Towing and labor coverage
  • CarMatch Rental Coverage®
  • Customized parts and equipment coverage
  • Auto loan/lease (aka "gap insurance") coverage

If you're an Esurance policyholder and have questions about your coverages, we have answers. Call us at 1-800-ESURANCE (1-800-378-7262). Some exclusions may apply.

Car insurance facts in Ohio

Uninsured drivers in Ohio

It's illegal to drive in Ohio without proper car insurance or proof of financial responsibility.

Just because it's illegal, of course, doesn't mean drivers don't do it. A recent report from the Insurance Research Council (IRC) estimates that 16 percent of Ohio drivers were uninsured.

No proof of insurance

If you're an Ohio resident who's caught driving without proof of insurance, you'll need to go to court to show that you are insured. If you don't show proof, penalties include a suspended license (90 days for first-time offenders and up to a year for repeats) and you'll need to file an SR-22 form when you reinstate your license (for a fee).

Alternative car insurance options

If you don't want a typical car insurance policy but want to legally drive in Ohio, you can prove your financial responsibility by leaving $30,000 with the state treasurer. If you can't part with $30,000, you can have 2 people vouch for you by cosigning a bond with the state using their real estate as collateral. Together the cosigners must have $60,000 in equity. (Or you can just get car insurance.)

Factors that could impact your Ohio insurance rates

Insurance companies (including us) can take the following into account when determining your auto insurance rates in Ohio:

  • Driving record and claims history
  • Year, make, and model of your car
  • ZIP Code where your car is parked
  • Age, marital status, and gender
  • Prior insurance history
  • Credit-based insurance score
  • How you use your car (commuting, pleasure, etc.)

Esurance-approved car repair shops in Ohio

As an Esurance customer, you can take your car to an E-star® shop and take advantage of RepairView® and guaranteed repairs for as long as the car's yours.

Find an E-star shop near you.

Related links

Teen car insurance
Find out about licensing, policy savings, and more for teen drivers.

Ohio Department of Insurance
Your go-to source for fraud information and official state insurance info.

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or call 1-800-378-7262