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ohio car insurance that’s right for you, not someone sorta like you

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.

We embrace super-smart technology like our very own CoverageMyWay™, which helps you prioritize coverage options based on the info you provide during your personalized Ohio car insurance quote.

With a quoting process built to save you time, money, and hassle, we're confident all residents of the Buckeye State will benefit from Esurance's simple policy management, easy-to-use mobile app, and much more.

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 auto 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

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:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per incident
  • $25,000 for property damage liability per incident

Please note that these are the state-required minimums. You can opt for higher limits 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 and funeral service payments
  • Uninsured/underinsured motorist bodily injury (UM/UIMBI)
  • Uninsured motorist property damage (UMPD)
  • Comprehensive
  • Collision
  • Towing and labor
  • CarMatch Rental Coverage®
  • Customized parts and equipment
  • Auto loan/lease (or "gap")

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.

auto 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 report from the Insurance Research Council estimated that 13.5 percent of Ohio drivers were uninsured in 2012, compared to the national average of 12.6 percent.

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).

Ohio's law on electronic proof of insurance

Buckeye State motorists can provide digital proof of their car insurance via smartphone, tablet, or other smart device under Ohio law. And with Esurance's handy mobile app, you can quickly and easily access ID cards (along with a bunch of other policy documents) if you ever get pulled over.

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) may 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
  • Insurance history, including lapses
  • 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 to 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.

Wonder if you could be saving on car insurance?

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