Despite Ohio’s insurance requirements, an estimated 12–15% of Ohio drivers are uninsured. Uninsured motorist (UM) and underinsured motorist (UIM) coverage protects you when the other driver lacks adequate insurance.
What Uninsured Motorist Coverage Covers
- Medical bills for you and your passengers after an accident with an uninsured driver
- Lost wages if injuries prevent you from working
- Pain and suffering damages
- Hit-and-run accidents (in most cases)
Underinsured Motorist Coverage in Ohio
If the at-fault driver carries Ohio’s minimum liability ($25,000 per person), but your injuries exceed that amount, UIM coverage fills the gap up to your UIM policy limit.
How Much UM/UIM Coverage Do You Need?
Ohio does not require UM/UIM coverage, but most agents recommend matching it to your liability limits — typically $100,000/$300,000. The additional cost is usually modest compared to the protection offered.
Uninsured Motorist Coverage Cost in Ohio
| Coverage Limit | Estimated Annual Add-on |
|---|---|
| $25,000/$50,000 | $40–$80 |
| $50,000/$100,000 | $60–$110 |
| $100,000/$300,000 | $80–$140 |
Get a Free Quote Today
Protect yourself from Ohio’s uninsured drivers. Jeff Smith State Farm can add UM/UIM coverage to your policy in minutes. Call (740) 354-7747 or contact Jeff Smith online for a no-obligation insurance review.
