Ohio Insurance Requirements & Rates

Ohio requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage). Ohio is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is not required but recommended.

Ohio homeowners face risks from tornadoes, flooding, severe thunderstorms, winter storms. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $1,830.

Ohio requires riders under 18 to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is april–october.

Yes, workers' compensation insurance is required in Ohio. Sole proprietors and partners may opt out. Ohio has approximately 1,000,000 small businesses, with top industries including Manufacturing, Healthcare, Finance.

Yes, Ohio has expanded Medicaid. The state uses a state-federal partnership health insurance marketplace. The uninsured rate is 7%.

Yes, landlords in Ohio can require tenants to carry renters insurance as a condition of the lease. About 34% of Ohio residents are renters, with average monthly rent of $900.

With a median household income of $61,938, most Ohio families should consider 10-12x their annual income in life insurance coverage. Currently, 51% of Ohio households have life insurance.