Ohio (OH) Car Insurance Requirements (2026)
The minimum you need
- Bodily injury per person
- $25,000
- Bodily injury per accident
- $50,000
- Property damage
- $25,000
25/50/25.
At-fault state Whoever caused the crash pays, through their liability coverage.
What else is required
PIP (personal injury protection): Not required
Uninsured motorist: Not required
Has to be offered, and you can decline it in writing.
Teen and new driver notes
Grades pay off here. Send your report card to the insurer every term.
- Good student discounts here run around 17%, one of the higher ones nationally.
New to all this? Start with the new driver guide.
Penalties for driving uninsured
Driving without insurance can mean fines and a suspended license and registration.
Penalty schedules change and vary by county. Confirm current fines with the Ohio Department of Insurance before relying on this for a specific situation.