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Ohio’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Ohio:

Is it mandatory to have car insurance in Ohio?


What are the minimum limits for Ohio? 

$25,000 bodily injury liability per person 
$50,000 bodily injury liability per accident 
$25,000 property damage liability per accident



Dairyland® coverage in Ohio

At Dairyland, we’re proud to be able to help drivers in Ohio meet their insurance needs. Here are some of the parameters of our insurance coverage in Ohio:

What is the maximum bodily injury liability and property damage liability limit available in Ohio?

$100,000 bodily injury liability per person 
$300,000 bodily injury liability per accident 
$100,000 property damage liability per accident



What liability coverages are required to be offered in Ohio?

Bodily Injury and Property Damage.

What are all the coverages Dairyland offers in Ohio?

  • Bodily Injury liability 
  • Property Damage liability 
  • Collision
  • Comprehensive
  • Lienholder Deductible
  • Medical Payments
  • Rental Reimbursement
  • Special Equipment
  • Roadside assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Ohio? 

20 years 

How far back does Ohio go to look at violation history? 

35 months

What additional policy types are offered in Ohio?  

Broad Form Named Driver and Bond

Is an insurance score used in my rating in Ohio? If so, is it mandatory? 

An insurance score is used in Ohio. It’s not state-mandated, but is a part of Dairyland’s rating.

What policy terms does Dairyland offer in Ohio?

6 months and 12 months

What is Dairyland’s minimum down payment option in Ohio?  

1 month

Are SR22s and/or FR44s used in Ohio?  If so, is there a fee assessed by Dairyland? Is it filed electronically? 

FR bonds are used in Ohio, filed electronically free of charge. Dairyland also files an SR-22 on an auto policy.

What discounts are available from Dairyland in Ohio?

  • Advanced quote
  • Homeowners
  • Multi-car 
  • Paid in full
  • Prior insurance
  • Motor vehicle accident prevention course
  • Quarterly
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