Car Insurance in Ohio

Not every Ohio driver has the same habits on I-71. The careful ones, the smooth brakers, the ones who keep their phone face down and their eyes on the road?

Lemonade notices. And prices you accordingly.

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How much does car insurance cost in Ohio?

The average estimated cost of Lemonade car insurance in Ohio ranges from roughly $1,800 to $1,860 per year*, depending on factors like your age, driving history, car type, and location.

City	Average annual cost
Columbus	$1,860 to $1,920
Cincinnati	$1,800 to $1,860
Cleveland	$1,920 to $1,980
Dayton	$1,740 to $1,800

How can I get cheaper car insurance in Ohio?

The savings don’t stop at signup. Here’s what else is on the table.

Bundle discounts

The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.

Safe driving

The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.

Hybrid/EV discount

Got a hybrid or EV? We think that’s worth rewarding. You’ll get a lower rate, automatically.

What is the minimum car insurance
required in Ohio?

Every Ohio driver needs to carry a minimum level of coverage to legally drive.

Here’s exactly what the state requires.

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?

The state minimum covers the basics. These coverages help fill in the gaps.

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).

Comprehensive 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).

Medical 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.

Uninsured / underinsured motorist bodily injury coverage

Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.

Uninsured / underinsured motorist property damage coverage

Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.

Temporary 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.

What’s the best car insurance in Ohio?

Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.

Priced for you

Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.

No hold music

Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.

Claims, not chaos

Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.

What are Ohio drivers driving?

Next time you’re stuck on I-71 during rush hour, play along.
Here are the nine makes you’re most likely to spot on Ohio roads, according to our data.

Ohio drivers, by the numbers

Ohio roads have a story to tell. Here’s what our data found.

50%

of Ohio claims last year involved a crash with another car.

36%

of those claims happened in the afternoon, between 12PM-5PM.

18%

happened on a Tuesday, making it the most accident prone day of the week.

Find Lemonade car insurance near you

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Ohio 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 from Sept 2025 through August 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances. Vehicle make rankings reflect active Lemonade Car policyholders in Ohio as of August 2026, based on Lemonade’s internal data. Claims statistics reflect Lemonade Car claims filed in Ohio between September 2025 and August 2026; all figures are based on Lemonade’s internal claims data, intended for illustrative purposes only, and may not be representative of all Ohio drivers or the broader insurance market.

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