Fair car insurance in Ohio
From Cincinnati to Cleveland and Toledo to Columbus, Ohioans get fair and affordable car insurance. Download the Root app, complete the test drive, and then see what you’ll save on your Ohio car insurance quote. If you’re a good driver, you could get quality insurance and save hundreds.
How it works
Traditional auto insurance companies base your rate on your demographic data, like your age, marital status, and ZIP code. We know that’s not a fair way to offer car insurance. That’s why at Root, we base your car insurance rate primarily on how you drive, not who you are.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for car insurance in Ohio
What are the minimum auto insurance requirements in Ohio?
Ohio requires drivers to carry valid proof of car insurance with them at all times (Root policyholders can find their electronic proof of insurance right in the Root app). Liability coverage—the minimum auto insurance coverage drivers in OH must carry—helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do).
Liability coverage
Liability car insurance helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what MedPay is for) or your vehicle (but Collision and Comprehensive coverages do).
Minimum liability coverage Ohio drivers must carry:
$25,000 for bodily injury (per person)
$50,000 for bodily injury (per accident – multiple people injured)
$25,000 for property damage per accident
You can select higher limits if you’d like more coverage.
What other coverages does Root offer?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
(included with every Root policy)
What is the average cost of Ohio car insurance?
Good news—Ohio ranks 3rd for cheapest car insurance rates in the United States. The average Ohio driver pays $1034[1] per year for their auto insurance, but many people are paying much more. Root doesn’t insure high-risk drivers, so our customers are saving up to $900 a year on their car insurance.
Start saving on car insurance in Ohio
Get an auto insurance quote based primarily on how you drive. You could save hundreds.
References
Insure.com. Annual average rates were compiled in April 2020
Additional Resources
Ohio Car Insurance (not a government agency)