Millions of drivers flood the streets and roads of Ohio daily. Ohio is one of the larger States with major cities such as Cincinnati and Cleveland. Busy cities, rolling hills, fertile farmland, clay bluff, and lakes demonstrate how Ohio has something for everyone, including humid summers and cold winters. Ohio residents need good auto insurance coverage. Ohio auto insurance rates are some of the lowest in the USA. On average the Ohio resident paid out $1342 in Ohio auto insurance premiums for 2007. These rates are well below the national average rate of $1896 by a whooping $544. Of course these figures are based on averages and the individual car owner will pay higher or lower depending on his/her car, coverage and his particulars such as age and make of the car and driving record.

Ohio Auto Insurance Requirements

Ohio auto insurance coverage must include the minimums set by law for Bodily Injury Protection and Property Damage. At present the liability coverage to insure the at fault driver who caused the accident and must pay out is set at 12.5/25/7.5.

• Bodily Injury Protection – The driver at fault will have Bodily Injury Protection up to $12,500 that the Ohio auto insurance company will pay out for medical injuries sustained by one person in the other car.
• A total amount of $25,000 will be paid out by the insured’s Ohio auto insurance company for medical expenses incurred by more than one person injured in the other car.
• Property Damage – A maximum amount of $7,500 will be paid out by the at fault driver’s insurance company for damages caused to public and private property as well as the other driver’s vehicle.

The state requirements are set rather low and therefore Ohio does recommend that its drivers carry higher liability coverage protection.

Ohio also recommends that its drivers also carry Comprehensive and Collision coverage. This coverage will protect against damage caused by animals or natural occurrences such as weather and storms. Comprehensive and Collision will also cover the expenses to the insured’s car should he/she be at fault for the accident.

Ohio recommends that their motorists carry Uninsured/Underinsured Motorist protection to protect themselves from hit and run drivers and also to make sure that damages sustained to their vehicle during the accident will be covered in the event that at fault driver has little or no insurance to cover it.