Car Insurance in Ohio
Touring the Rock and Roll Hall of Fame in Cleveland or cheering on the Bengals in Cincinnati? Get covered with Lemonade car insurance in Ohio—the smart choice for drivers in the Buckeye State.
How much does car insurance
cost in Ohio?
The average estimated cost of Lemonade car insurance in Ohio ranges from roughly $770 to $810 per year*, depending on factors like your age, driving history, car type, and location.
Here’s a look at rates in major Ohio cities:
| City | Average monthly premium* |
|---|---|
| Cleveland | $70 to $79 |
| Cincinnati | $60 to $69 |
| Columbus | $60 to $69 |
| Toledo | $60 to $69 |
How can I get cheaper car insurance in Ohio?
Lemonade offers Ohio drivers loads of opportunities
to help lower your car insurance rates.
Hybrid/EV discount
Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance in Ohio?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Ohio?
To meet Illinois car insurance coverage requirements, drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Ohio drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $25,000 |
What additional car insurance coverages
does Lemonade offer in Ohio?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreOhio car insurance FAQs
What is the minimum amount of car insurance required by the state of Ohio?
In Ohio, you are required to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage. These minimum coverages ensure that you can cover costs associated with injuries or damages to others in an accident.
What happens if I don't have the required car insurance coverage in Ohio?
If you don’t have the required car insurance coverage in Ohio, you could face fines, suspension of your driver’s license, and vehicle registration. Moreover, you would be personally responsible to cover the costs of any damages or injuries you cause in an accident.
How can I lower my car insurance premium in Ohio?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Ohio that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
By the way, did you know that Lemonade drivers in Ohio get free roadside assistance? All you need to do is make sure that you’ve enabled location services in the Lemonade app.
What coverage is recommended for drivers in Ohio given the weather conditions?
With winter storms and occasional tornadoes in Ohio, comprehensive coverage is recommended. It helps protect against damage from snow, hail, and storm-related debris.
Can I customize my car insurance policy to fit my needs in Ohio?
Absolutely, you can customize your Lemonade Car insurance policy, for example, by selecting different coverage limits and deductibles to fit your specific needs and budget. Lemonade offers a variety of options so you can build a policy that works best for you and your wallet.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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