Ohio Car Insurance Coverage

Because there's so many places to go in O-H-I-O.

Whether you’re swinging by the Rock and Roll Hall of Fame in Cleveland, or cruising down to Skyline Chili for a signature 3-Way in Cincinnati—you always want to drive with confidence in Ohio. That’s where Lemonade Car insurance comes in. 

We offer top-of-the-line coverage and trunkloads of discounts—plus opportunities to make the road (and the world around us) a better place. 

Lemonade Car was designed to really shine for low-mileage, safe, and environmentally conscious drivers. That’s why we give discounts to EV and hybrid drivers and offer special coverages for charging units. 

What’s more, Lemonade drivers get to assist in global reforestation efforts from behind the wheel. How? Well, when you drive with the Lemonade app, we’ll track your mileage and plant trees to help clean up the carbon generated from your car. 

So what about low-mileage drivers? We price your policy based on how you drive and how much you drive—so the less you drive, the more you save. Pretty simple.

Read below to get the full scoop on the coverages offered and required in Ohio, or you can just go ahead and apply with Lemonade Car. It’s fast, easy, and even kind of fun! 

Here’s what we’ll be covering: 

Required Ohio Coverages 

Every state has different rules and regulations pertaining to car insurance. In Ohio, you’re required to carry the coverages we’ll discuss below (although in certain cases you can opt out of coverages if you really don’t want them). 

Just a refresher: A “limit” in regard to your car insurance policy refers to the maximum amount your insurer would pay out on a certain type of claim. 

For example, for bodily injury liability coverage, Ohio driver’s limits are written like so: $25,000/$50,000. These numbers reflect that you carry $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in a single, covered accident). When selecting your limits, you’ll want to keep your budget and your coverage needs in mind. 

Liability coverage

If you’re a law-abiding driver (and we know you are), you’re required in every state to have at least some liability coverage to be on the road. 

Liability insurance is broken down into two parts: bodily injury liability and property damage liability. Note that both parts apply to damage to other people and their vehicles, not to yourself or your own car. 

  • Bodily injury liability coverage. If you accidentally injure someone else who is not a passenger in your car, this type of coverage can help cover their medical bills
  • Property damage liability coverage. If you damage someone’s car or personal property, this type of coverage can  cover the cost to repair or replace what was damaged

Lemonade Car offers several options for bodily injury liability coverage. The lowest option (and the minimum coverage amount required by Ohio law) is $25,000/$50,000. From there, you could choose $50,000/$100,000, $100,000/$300,000, or $250,000/$500,000.

For property damage liability coverage, Lemonade Car offers coverage starting at $15,000 (the minimum coverage required by Ohio law), and going up to $25,000, $50,000, or $100,000.

Uninsured/underinsured motorist bodily injury coverage (UM/UIMBI)

Not everyone follows the rules, or gets sufficient liability coverage to foot all of the medical expenses if they injure you in an accident. So what if you’re involved in a crash with someone who has insufficient insurance, or no insurance at all? That’s where uninsured motorist coverage comes in. 

Uninsured/underinsured motorist bodily injury coverage (UM/UIMBIC) will help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. 

Lemonade offers several options for uninsured/underinsured motorist bodily injury coverage: $25,000/$50,000, $50,000/$100,000, $100,000/$300,000, or $250,000/$500,000

We will automatically include UM/UIMBIC at the same limits as your bodily injury liability coverage when you get a quote, but you can lower the limits of this coverage (or reject it entirely) if you want to. 

The state of Ohio allows you to lower or remove this coverage if you sign a certain form. Once you’ve set up your policy, you can reach out to our team to lower or change your UM/UIMBIC, if you really want to do so. 

Comprehensive coverage

Also known as “act of god” coverage, comprehensive insurance coverage helps pay to fix damage to your car (or possibly replace the car entirely) following an incident that wasn’t a car accident.

That means if your car is stolen, vandalized, or has an unexpected rendezvous with an animal, comprehensive coverage can kick in to repair or replace your car. It’ll also come in handy if a storm causes a tree to fall on your Tesla, for instance.

Lemonade car offers comprehensive coverage with deductibles of $250, $500, $1,000, or $2,000

Lemonade will pay up to the actual cash value of your car following a covered incident.

We automatically include Comprehensive coverage when you get a quote.

However, the state of Ohio allows you to remove this coverage if you really want to do so. Once you’ve set up your policy, you may need to reach out to our team to remove it. Keep in mind though that you’re not able to keep collision coverage (which we’ll discuss in just a sec) without also keeping comprehensive.

If you lease or finance your car, comprehensive coverage will probably be required from your lender. 

Collision coverage 

Collision coverage helps pay to repair or replace your own car if it’s damaged in a covered accident with another vehicle or object, especially if you’re the one who caused the accident. 

If you’re technically at fault for the damages to your car in the case of a covered accident, your collision coverage will kick in for repairs on covered claims and get you back on the road.

Lemonade car offers collision coverage with deductibles of $250, $500, $1,000, or $2,000.

Lemonade will pay up to the actual cash value of your car following a covered incident.

We automatically include collision coverage when you get a quote.

However, the state of Ohio allows you to remove this coverage, or opt for uninsured motorist property damage coverage (UMPD) instead, if you sign a certain form. Lemonade Car offers several options for uninsured motorist property damage coverage: $15,000, $25,000, $50,000, $100,000. Once you’ve set up your policy, you can reach out to our team to remove collision coverage or change to UMPD coverage if you really want to. 

If you lease or finance your car, collision coverage will be required from your lender. Lemonade Car drivers who want collision coverage must also carry comprehensive coverage on their policy. 

Great coverages to have in Ohio 

While Ohio law doesn’t mandate the following coverages, you’ll want to consider them for true peace-of-mind while on the road.

Medical payments coverage (MedPay)

If you or other passengers in your car get hurt in a covered car accident, this coverage comes into play, regardless of who was at fault. 

In Ohio, you have the option to add medical payments (MedPay) coverage to your car insurance policy. 

MedPay covers some medical expenses, including, but not limited to:

  • Ambulance fees after an accident
  • X-rays, surgeries, or prostheses
  • Health insurance co-pays
  • Doctors and hospital visits
  • Nursing services
  • Funeral services

Lemonade Car offers Ohio drivers MedPay coverage with limits of: $1,000, $2,000, $5,000, or $10,000

Lemonade Car extras that are great to have 

Want to really be cruising with confidence? Round out your Lemonade Car policy with some of the following coverages. 

Temporary transportation coverage

If you need alternative transportation while your car is being repaired after a covered incident, most insurers only offer the option of a rental car.

But Lemonade works differently, and will cover almost any type of transportation for up to a month while you’re waiting for your car in the shop. This includes Uber, Lyft, rental car expenses, or even public transportation like buses or Citi Bikes, up to your daily limit.

If you have both collision and comprehensive coverage on your car, you’ll get the option of selecting temporary transportation coverage for your car as well. 

With Lemonade Car, if you choose to get temporary transportation coverage, you can sign up for a $40, $50, or $60 daily limit (for up to 30 days).

Roadside assistance 

Roadside assistance provides towing and other emergency roadside services like lockout services, flat tire replacement, jumpstarts for dead batteries, fuel delivery, and winching and battery service if your car breaks down. 

Lemonade Car includes roadside assistance as part of a car insurance policy when users drive with the Lemonade app (and when the policy includes comprehensive and collision coverages). It’s included for each car listed, and it’s free if you meet that criteria.

Other car insurance companies offer the option for a customer to purchase emergency roadside assistance as an endorsement or for a monthly or annual fee, but Lemonade is happy to get you out of a pickle, on us!

With Lemonade Car, you can call on roadside assistance up to three times per covered vehicle within a 6-month policy period.

Glass and windshield coverage

Extended glass coverage (as we call it here at Lemonade) can be purchased as a rider to your existing auto insurance, and will help cover the costs to replace your windshield if it’s damaged. 

When you build your Lemonade Car insurance quote, Ohio drivers have the option to choose extended glass coverage that allows you to replace your windshield, your sunroof, and your backglass—with a $0 deductible.

Only Lemonade Car drivers who add comprehensive coverage to their policies are eligible for extended glass coverage in Ohio. 

How much does Lemonade Car insurance cost in Ohio?

Well, that depends. 

When building your Lemonade Car quote, we tailor your car insurance premium price based on a number of factors, including the car you drive, your driving record, your driving habits, how much you drive, your coverage limits, and your deductible. 

Lemonade offers car insurance you can customize, because you deserve a policy that feels just right—and fits your budget. 

Learn more about the cost of Lemonade car insurance

The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website. It’s fast, easy, and simple to compare.

Apply now to get car insurance quotes in Ohio. 

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Fast facts about Ohio 

  • Ohio ranks #2 in the US for car production and employs nearly 110,000 people statewide in the motor vehicle and related industries.
  • Charles F. Kettering, a Dayton, Ohio resident, revolutionized the early automotive industry with the invention of the electric self-starter, which was first offered on the 1912 Cadillac and patented in 1915.
  • The world’s first automobile accident occurred in Ohio City, Ohio in 1891. James William Lambert, who invented the first single-cylinder gasoline-powered automobile, was riding along in it with James Swovelan and hit a tree root. This caused the car to lose control and smash into a hitching post. Fortunately, there were only minor injuries and Lambert went on to patent over six hundred inventions, most of them related to the automobile industry.
  • Drive Electric Ohio is a statewide initiative of Clean Fuels Ohio, which is dedicated to advancing the adoption of electric vehicles city by city through education, outreach, advocacy, and networking. 

Much more than the automobile

Ohio has made significant contributions to the automotive industry, but has also made its mark in the exploration and development of other breakthrough transportation methods—like flight and space travel. 

Thanks to the Wright Brothers (who were from Dayton), Ohio claims to be the “birthplace of aviation.” The brothers made many prototypes of the airplane—that eventually led to the first successful flight in history—in their bicycle shop on the west side of town. Congress officially ruled in 2003 that Ohio was the birthplace of flight, though the topic still remains controversial with North Carolina and Connecticut.

Ohioans are also well known for otherworldly travel.  As of 2013, 25 NASA astronauts were from Ohio—among them Neil Armstrong (the first to walk on the moon), John Glenn (the first to orbit the Earth), and Kathryn D. Sullivan (the first woman to walk in space).

Before we go… 

Ohio drivers, we’re excited for you to take Lemonade Car for a spin (we just hope you don’t get stuck in Columbus traffic when you’re heading to the Ohio State Fair). 

If you’re looking to dive deeper into Lemonade car insurance, go ahead and…

Happy driving! 

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Shelby Kaplan

Shelby Kaplan is an Associate Content Writer at Lemonade.

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Please Note: These definitions don’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade. They are intended for educational purposes only - they’re not meant to be used in lieu of professional legal or financial advice. We’ll do our best to keep them updated, but they may not always reflect current industry developments. Feel free to use the terms with attribution (friends don’t let friends plagiarize!)

Property and casualty insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd floor, New York, NY 10013. Life Insurance provided by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193.

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