Ohio
- ~$40–$55
- ~$110–$140
- $25K/$50K/$25K
Ohio combines urban centers and rural areas, with moderate car insurance rates influenced by traffic density and accident frequency. The state uses a fault-based system requiring liability insurance with minimum coverage.
Find a local Auto Insurance agents in your town:
Ohio Auto Insurance Facts *
Drivers
- ~8.5–8.7 million licensed drivers as of 2023.
- ~90% household vehicle ownership.
- Popular vehicles include sedans, SUVs, and pickups.
- Uninsured motorist rate around 12%.
- Public transportation mainly in larger cities.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~70,000 | ~19,000 | 950 |
| 2019 | ~72,500 | ~20,000 | 970 |
| 2020 | ~65,000 | ~17,500 | 900 |
| 2021 | ~68,000 | ~18,200 | 920 |
| 2022 | ~69,500 | ~18,800 | 930 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
