Ohio Insurance
Affordable coverage from Progressive for the buckeye state
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.
Weather
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
Auto
Required
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.
Motorcycle
Required
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.
Boat
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.
Renters
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.