Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Ohio apart
Consistently cheap; strong carrier competition and low litigation.
Minimum vs. full coverage in Ohio
What each coverage level costs on the Ohio average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $480 | $40 |
| Liability Only | $770 | $64 |
| Full | $1,400 | $117 |
| Full Low Deductible | $1,710 | $142 |
Minimum coverage saves about $924/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
Ohio car insurance FAQ
- What's the minimum car insurance required in Ohio?
- Ohio's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $480/yr but leaves you exposed above those caps.
- How much is full coverage in Ohio?
- Representative full coverage averages $1,404/yr (about $117/mo), ranking Ohio #8 of 51 states for cost.
- Why is Ohio car insurance priced the way it is?
- Consistently cheap; strong carrier competition and low litigation.