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.
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.
