Is Ohio a no-fault state?
No. Ohio is an at-fault state. Drivers must be able to pay for injuries and damage from any crash they cause, usually through liability insurance.
Last checked November 9, 2026 · Official sources (4)
How does Ohio car insurance work?
“In order to drive legally in Ohio, you must be able to prove you can pay for damages and injuries that occur in any traffic accident you cause.”
Ohio Department of Insurance
What is Ohio's minimum car insurance?
| Coverage | What Ohio requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Uninsured motorist | Uninsured/underinsured motorist coverage is optional in Ohio. Your insurer may offer it, and you can turn it down. |
Other at-fault states
Questions
How much insurance does Ohio require?
At least $25,000 for injury to one person, $50,000 for injuries to everyone in one crash, and $25,000 for property damage.
What if you were partly at fault in Ohio?
If you were partly at fault, your money is cut by your share of the blame, and you get nothing if your fault is greater than everyone else's combined (more than 50%).
Hurt in a crash in Ohio? Find out if you are owed money.
A free case review. $0 upfront. No fee unless you win.
See if I’m owed moneySources (4)
- Ohio Department of Insurance, checked 2026-11-09. “In order to drive legally in Ohio, you must be able to prove you can pay for damages and injuries that occur in any traffic accident you cause.”
- Ohio Department of Insurance, checked 2026-11-09. “In Ohio, the required minimum for Bodily Injury Liability Coverage is currently $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident. The required minimum for Property Damage Liability Coverage is $25,000”
- Ohio Department of Insurance, checked 2026-11-09. “When you buy liability insurance, the company may offer you uninsured/underinsured motorists (UM / UIM) coverage, which is an optional coverage.”
- Ohio Revised Code, Section 2315.33, checked 2026-11-09. “does not bar the person as plaintiff from recovering damages that have directly and proximately resulted from the tortious conduct of one or more other persons, if the contributory fault of the plaintiff was not greater than the combined tortious conduct”