Ohio Insurance

Affordable coverage from Progressive for the buckeye state

Get insurance for almost anything you need in Ohio

We know you came for car insurance. Now, stay for quotes on your home, toys, and just about anything else you want to cover. At Progressive, we're devoted to protecting what's important to Ohioans. Plus, we offer a bundle discount to help you save and keep all your insurance policies under one roof.

Auto insurance

Progressive insures nearly 1 million Ohio drivers.

More on auto insurance

Home & renters insurance

Bundle discounts are available in your area when you have car insurance and home or renters insurance with Progressive.

More on home & renters insurance

Motorcycle insurance

Progressive protects one out of every three insured bikes on the road countrywide.

More on motorcycle insurance

Boat insurance

Boating season in Ohio means long days on a lake near you. Stay protected on the water and when your boat is docked.

More on boat insurance

Ohio quick facts

  • The average price for Progressive boat insurance in Ohio is only $207/annually.

  • Ohio drivers are permitted to show police officers proof of insurance from a mobile device.

  • It is against the law for Ohio drivers under 18 years of age to talk on the phone while driving.

Common insurance claims in Ohio

In Ohio, watch out for these common accidents and risks! More importantly, make sure you're properly protected.


According to the FBI's Uniform Crime Reporting Program, Ohio ranked among the top ten states for car thefts in 2016.

Protect with: Comprehensive coverage, which protects you against theft and vandalism.

Personal injuries

Even a minor car accident could cause injuries like whiplash, back or neck pain.

Protect with: Medical payments and/or uninsured motorist bodily injury.

Windshield damage

A crack in your windshield could be the result of hitting an animal, colliding with an object or even highway debris like rocks and pebbles.

Protect with: Comprehensive coverage, which covers all glass claims.

Why Ohio is one of the most affordable states for insurance

Fewer insurance regulations and expenditures

The cost of owning a vehicle in Ohio is lower than the majority of states, so we pass the savings on to our customers. At Progressive, the average monthly price for auto insurance in Ohio is only $110.


Progressive's boat and motorcycle insurance customers in your area enjoy low rates due to shorter boating and riding seasons.

Affordable home values

Because the average home prices in Ohio are reasonable, so are home insurance rates.

Ohio motor vehicle insurance requirements



Driving without insurance could result in a fine, license suspension or even jail time. Like almost all states, Ohio requires bodily injury and property damage liability coverage. If you're in an accident and you injure someone or damage their property, liability will cover you up to certain limits, including lawsuits/court costs.

State-minimum amount: You'll usually see three separate numbers, and these are your "limits." Limits are how much we'll pay out in an accident. In Ohio, you must have these limits or higher.

  • $25,000 bodily injury per person (limit for injuries to one person)
  • $50,000 bodily injury per accident (limit for all injuries in an accident)
  • $25,000 for property damage (limit for damage to someone else's car or property)

We offer many more optional coverages. See all other car insurance coverages.



If you ride without insurance, you could lose your license, get a fine or even go to jail. The minimum limits in Ohio are the same as auto insurance.

Insurance requirements for off-road vehicles will vary depending on where you operate your ATV, UTV, dirt bike, or golf cart.


Not required, unless you finance your boat

Ohio doesn't require boat insurance but, if you finance your watercraft, your lender will likely require comprehensive and collision coverage. Keep in mind, some marinas may mandate proof of liability insurance.

RV/travel trailer insurance

Required if you drive it, not required if you pull it

RV insurance is optional if you're simply pulling a travel trailer, toy hauler, etc. If you're driving a motorhome, you're legally required to have liability coverage—just like with auto insurance. You may be required by your financer to carry comprehensive and collision coverage if you're financing your RV. The minimum limits in Ohio are the same as auto insurance.

Homeowners and condo

Required if you're financing your home

If you have a mortgage, your lender will require insurance to protect their investment. If you have no mortgage or lien on your home, you don't need insurance due to any state law. But, since your home is often your most valuable asset, it makes sense to keep it continually insured.


Some landlords require insurance

Ohio law doesn't mandate renters insurance. But, many landlords or apartment complexes will require it before they'll rent to you.

Top-rated insurance agencies in Ohio

Enter your ZIP Code to find a top-rated agency in your area.