Ohio
Auto Insurance Coverages
How do you choose the auto insurance that's right for you when there are so many companies offering auto insurance in Ohio? Finding auto insurance that fits your lifestyle can be daunting, but your local Allstate agent will take the time to help you make the right choices as your auto insurance needs change. Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products available in Ohio. If you have a teen driver in OH, you must consider Ohio's Graduated Driver Licensing laws (see chart below).
Consider yourself a safe driver? If so, you may qualify for an additional discount if you sign up for the Allstate Drive Wise program. Call your Allstate agent to learn more.
For more information on this state, visit the Ohio State Information or Ohio State Catastrophe page.
Ohio Coverage Scale
As you consider what auto insurance coverages are right for you, keep in mind that Ohio has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Ohio-required coverage levels and the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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12,500/25,000*
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100,000/300,000
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Property Damage Liability
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7,500*
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100,000
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Uninsured Motorist Bodily Injury
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Not required*
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100,000/300,000
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Medical Payments
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Not required*
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5,000
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Collision
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Not required*
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500 deductible
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Comprehensive
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Not required*
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0 deductible
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Ohio Graduated Driver Licensing
Help keep your teen driver safe on the road by reviewing the Ohio Graduated Driver Licensing (GDL) laws with them. Ohio has its own variation of GDL laws that have been proven to save teen lives. We suggest you use these laws to form driving rules for your teen.
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Insurance Institute for Highway Safety Rating
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Fair
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Minimum Entry Age
(Optimal: 16)
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15, 6 mo
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has no provision
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Minimum Exit Age
(Optimal: 18)
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17
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Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Michigan, Indiana, Kentucky, Pennsylvania, West Virginia, Illinois
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Ohio. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.