Ohio Minimum Auto Insurance Requirements
By Tanu Menon
Ohio's state-minimum auto liability limits (25/50/25) explained — and why higher coverage often makes sense.
What Ohio requires
Ohio is an at-fault state. Drivers must carry liability insurance that meets Ohio's financial responsibility minimums.
Current Ohio minimum liability limits are commonly shown as 25/50/25:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Minimum vs. recommended
State minimums satisfy the legal floor. They may not protect your savings, home, or income if you cause a serious crash. Many drivers choose higher liability limits for stronger protection.
Other coverages to consider
- Collision and comprehensive
- Uninsured/underinsured motorist
- Medical payments
- Rental reimbursement and roadside assistance
Next step
Tan's Agency serves Ohio clients in Columbus, Cincinnati, Cleveland, and surrounding communities. Call 469-269-6539 or request a quote. Confirm current requirements with the Ohio Department of Insurance or BMV as needed.