What Is the Minimum Required Car Insurance in Ohio?

In Ohio, as with most states, it is mandatory to have liability automobile insurance coverage to drive a car on the public streets. The minimum required coverages as of 2024 include at least $25,000 for injury/death of one person and $50,000 for injury/death of two or more people. There must also be $25,000 for property damage. Proof of this insurance coverage must be shown in an accident, a traffic stop, or at vehicle inspections. Having no insurance or less than the state minimum requirement, can result in forfeiture of a driver’s license. It is also illegal to let an uninsured person drive a person’s vehicle. In a personal injury case, this liability coverage will cover up to the policy limit any damages caused to another.

Underinsured Coverage in Ohio

In Ohio, under ORC 3937.18, an automobile insurance policy may but is not required to include uninsured motorist coverage, underinsured motorist coverage, or both uninsured and underinsured motorist coverages. Uninsured motorist coverage will apply if the at-fault party does not have automobile liability insurance coverage. It will cover all damages for both the driver and all passengers in the vehicle. Underinsured motorist coverage applies when the at-fault party does not have enough liability insurance to cover the damages caused by the accident. This coverage will reimburse the injured party the difference between the at-fault driver insurance policy limits and the underinsured policy limits.

About the Authors: Sawan & Sawan is a multi-generational, family owned law firm practicing law in the areas of car accidents, truck accidents, and other personal injury. Our firm practices law in Ohio and Michigan.

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Dennis P. Sawan

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Christopher A. Sawan

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