Ohio drivers often ask whether they should carry full coverage or just the state minimum liability. The right answer depends on your vehicle’s value, your loan status, and your financial situation.
Ohio Minimum Liability Requirements
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
What Full Coverage Adds
- Collision coverage — repairs your car after an at-fault accident
- Comprehensive — covers theft, weather, deer, vandalism
- Uninsured motorist protection
- Medical payments coverage
When Liability-Only Makes Sense in Ohio
If your vehicle is worth less than $4,000–$5,000, the annual premium for full coverage may exceed its value. Older paid-off vehicles often make sense with liability-only. Financed vehicles almost always require full coverage by lender contract.
Ohio Auto Coverage Cost Comparison
| Coverage Type | Typical Annual Cost |
|---|---|
| Liability Only (minimum) | $400–$600 |
| Full Coverage | $900–$1,400 |
| Full Coverage + Umbrella | $1,200–$1,800 |
Get a Free Quote Today
Not sure which coverage level is right for your Ohio vehicle? Jeff Smith State Farm can review your situation and recommend the right fit. Call (740) 354-7747 or contact Jeff Smith online for a no-obligation insurance review.
