Ohio Car Insurance Minimum Requirements
What Ohio law requires you to carry, and what your insurer must offer you on top of it.
- Shorthand
- 25/50/25
- Bodily injury — per person
- $25,000
- Bodily injury — per accident
- $50,000
- Property damage
- $25,000
- Uninsured / underinsured motorist
- Optional; no mandatory offer
ORC 3937.18(A) says an Ohio auto policy "may, but is not required to, include" uninsured or underinsured motorist coverage. Insurers do not have to offer it, so you have to ask for it by name.