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ZANESVILLE

Ohio Auto Insurance

Driving in the Buckeye State

If you’re driving on the Jack Nicklaus Freeway around Columbus, heading up state Highway 2 out of Cleveland or on your way the Cincinnati Reds game, wherever you’re driving in the Buckeye State car insurance coverage in Ohio is required. All motor vehicles registered in Ohio are required to be covered by at least Ohio minimum car insurance coverage requirements. Talk to your local Safeco insurance agent about coverage that is right for you and to get your Ohio auto insurance quote today.

Ohio Car Insurance Laws

Car Insurance in Ohio

Is car insurance required in Ohio? Yes.
All motor vehicles registered in Ohio must:

  • Be covered by at least the minimum auto liability levels

All Ohio must:

  • Be able to show proof of insurance

To learn more about Ohio car insurance rates, get your Ohio car insurance quote today.

Ohio Auto Insurance Requirements

What is the minimum car insurance coverage in Ohio?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your Ohio Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Finacial Responsibility in Ohio

What is proof of financial responsibility?

It’s evidence that you have the have the ability and monetary resources to pay for potential damages caused by your car.

Is proof of financial responsibility required in Ohio?

Yes. The most common and easiest way is to meet financial responsibility requirements in Ohio is to buy auto liability insurance.

Proof of Insurance in Ohio

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility. All Ohio drivers must be able to present an insurance ID card if asked to do so by a law enforcement officer.

Is proof of insurance required in Ohio?
 

Yes. Proof of insurance in Ohio is required for:
 

  • Traffic stops

Mobile Phones and Texting While Driving Laws in Ohio

  • Everyone is prohibited from texting and driving in Ohio.
  • Drivers over the age of 18 are allowed to use hands-free cell phones while driving

Recommended Auto Insurance Coverage

If you’re involved in an accident, the minimum car insurance requirements in Ohio may not be enough to protect you financially from expensive repair and medical costs. Liability insurance will only help pay for the other driver’s expenses. It will not help pay for your own expenses. As a safe, responsible driver, consider raising your liability limits and adding collision, comprehensive, medical payments and uninsured and underinsured motorist to your policy.

All car insurance companies in Ohio offer policies to cover Ohio minimum auto insurance requirements. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get a Ohio auto insurance quote.

Ohio Auto Insurance Coverage Options

In addition to car insurance coverage required in Ohio state and our popular auto insurance coverage options, Ohio drivers have even more coverage choices.

Safeco Optimum Package Plus™

For as little as $8 a month get a diminishing collision deductible that decreases $50 every six months, or $100 with an annual policy renewal, for a maximum of up to $500. Plus, increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

OEM Parts

For cars, vans and pickups less than 10 years old, original replacement parts coverage helps with the cost to use new original equipment manufactured parts for repairs and replacement. If you prefer to use OEM car parts instead of aftermarket car parts, OEM parts coverage allows you to use original equipment manufactured parts when they’re available.

Ohio Auto Insurance Discounts

There are numerous ways to save and lower your car insurance rate in Ohio. In addition to our popular car insurance discounts, Ohio drivers have even more opportunities to save.

More Than One Policy

Ohions who also have an active home, condominium or renters policy with Safeco may qualify for an auto insurance discount.

Keep a Clean Driving Record

Ohio state drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Get your Ohio car insurance quote today and start saving tomorrow.

 

Young Drivers in Ohio

Getting Your First Driver’s License

Minimum age to get a temporary instruction permit in Ohio: 15 1/2
Minimum age to get a probationary driver’s license in Ohio: 16
Minimum age to get a full driver’s license in Ohio: 18
 

  • All new drivers under the age of 18 must go through the Ohio graduated licensing system.

Teens, Mobile Phones and Texting While Driving

Drivers under the age of 18 in Ohio state are prohibited from using any type of hand-held or hand-free mobile communication device, including talking on a cell phone and texting.

Road Trips and Scenic Drives in Ohio

Lake Erie Coastal Ohio Trail

From Toledo to Conneaut, this almost 300-mile route will introduce you to the small towns, cities, beaches, state parks and lighthouses along the Lake Erie coast of Ohio.

Ohio River Scenic Byway

Starting in East Liverpool and ending 452 miles later in Cincinnati, follow the Ohio River through 14 counties of small towns rich in Ohio history and culture.

Fun Facts About Ohio

State nicknames: Buckeye State
Residents are called: Ohioans, Buckeyes
Origin of the word Ohio: Seneca Iroquois word for beautiful river
MLB teams: Cleveland Indians, Cincinnati Reds
NFL teams: Cleveland Browns, Cincinnati Bengals
NBA team: Cleveland Cavaliers
Astronaut born in Wapakoneta: Neil Armstrong
Astronaut born in Cambridge: John Glenn
Aviation pioneer born in Dayton: Orville Wright
Inventor born in Milan, Ohio: Thomas Edison
Golfer born in Upper Arlington: Jack Nicklaus
U.S. presidents born in Ohio: Seven
© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.