Ohio (OH)

Approved Carriers

Notes about state

• Cincinnati

• Safeco

• Travelers

• Openly

Required Minimum Auto Insurance Coverage in Ohio

The following insurance coverage is the minimum required by the state of Ohio to legally operate a motor vehicle:

• Bodily injury liability coverage: $25,000 per person and $50,000 per accident

• Property damage liability coverage: $25,000 per accident

Ohio Good Driver Discount

Good drivers deserve a break, and in Ohio, those who meet certain criteria will receive a discount on their auto insurance premium. Ohio Insurance Code defines a Good Driver as one who is at least 21 years of age and:

1. Has verifiable license experience for at least 5 years; and

2. Has not been convicted of a DUI, speeding or other major or minor violations during the 5–year Experience Period; and

3. Has not been involved in an accident for which they were at fault during the 5–year Experience Period

Ohio Good Student Discount

Young OH drivers between ages 16–24 classified as being single qualify for a Good Student Discount if they are enrolled in a fulltime academic home study program, high school, college or university and meet one of the following criteria:

• Rank among the upper 20% of the class or have at least a B average (3.0 GPA)

• Maintain a position on the Dean's List or Honor Roll, if applicable

• Have ranked in the upper 20% of one of the following national standardized tests administered within the past 12 months: PSAT, PACT, SAT–1, or ACT