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Car Insurance Ohio

OnGuard Insurance offers Affordable Car insurance in Ohio through our vast network of auto insurance partners.  As authorized agents of many top-rated auto insurance carriers in Ohio, we’re able to save our clients money regardless of their situation.  We work with carriers ranging from the non-standard to the preferred market so weather you have a perfect record or not, we have a carrier that will offer you competitive rates on your car insurance in OH.  See how much we can save you on your auto insurance in Ohio; get your quick Quote Online now or call (888) 997-8683 to speak with an agent today!

Ohio Auto Insurance Quotes

OnGuard Insurance offers comparative Ohio Auto Insurance Quotes online as well as over the phone.  We know that these days just saving money simply doesn’t cut it anymore and people are also looking to save time as well.  That’s why we’ve provided an online comparative rater that will not only help save you money but time as well.  With just some basic information and in only about 3 minutes, our site will instantly display the rates of multiple top rated OH car insurance companies.  That’s right, simply enter some info about you and your car and will display a list of OH auto insurance quotes in order of lowest price.  Compare, choose & save… save big!  Finding Cheap Auto Insurance in Ohio has never been easier; get your free rate quotes online today!

Cheap Ohio Car Insurance

Throughout the years, we’ve hand selected multiple insurance companies to work with and produce for.  The selection process was simple; find the cheapest Ohio car insurance providers that don’t sacrifice on the service or claims side and create strong bonds with them.  After many years of going through an elimination process, we’re confident that we have accomplished just that.  We have compiled some of the best companies for residents of Ohio to take advantage of.  Take a few minutes to see how our work can benefit you; get your cheap Ohio car insurance quotes in just minutes today!

Minimum Auto Insurance Requirements in Ohio

What is Financial Responsibility?
In Ohio, it is illegal to drive any motor vehicle without insurance or other proof of financial responsibility (FR). It is also illegal for any motor vehicle owner to allow another person to drive the owner’s vehicle without FR proof. To comply with Ohio’s FR requirements, individuals must maintain insurance or get a bond. Both types of coverage are described below.


If I obtain insurance, what is required?
Ohio law requires the following for insurance coverage:

  • If a person purchases automobile insurance, the state requires the person to purchase Bodily Injury Liability Coverage as well as Property Damage Liability Coverage.
  • A motor vehicle liability insurance policy. Insurance cards are issued by an insurer to the policyholder for each motor vehicle insured under a motor vehicle liability insurance policy.
  • A certificate of proof of financial responsibility on a form prescribed by the Ohio Bureau of Motor Vehicles (BMV).

If I purchase auto insurance to demonstrate Financial Responsibility, what are the minimum coverage requirements in Ohio?
In Ohio the required minimum for Bodily Injury Liability Coverage is currently $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident.

The required minimum for Property Damage Liability Coverage is $25,000 for injury to or destruction of property of others in any one accident.

Why should I get more coverage than the minimum?
The value of your assets (what you may have to lose in the event you cause an accident) may help you determine the amount of coverage you should carry. Having additional coverage could protect you and your assets in the event of a serious accident. If you do not have adequate coverage, the law allows the victim to take any assets that you may have in order to cover the costs of any damages that occur.

What could happen to me if I get in an accident and only have minimum coverage?

Your insurance should cover you up to the amount of the policy limits. If the damage in the accident exceeds an amount greater than your policy limits, you would be held legally responsible to pay for any damages that are not covered by your insurance, including medical costs, costs to repair any property damage and legal costs for any court proceedings that may take place because of the accident. To pay for the damages, your home, car and other assets could be taken away from you. Your present and future wages could be garnished. If your child was driving a car that was underinsured and was in an accident, they too would be held responsible for any damages and could face significant debt. You and your family could end up paying for one accident for the rest of your life!

I have very limited income and can only afford minimum coverage. What can I do?
Ohio’s average auto insurance premium is among the lowest in the country. Call around to several different companies and get quotes from them. More than likely you will be able to find a company that can provide more than the minimum coverage for your budget.

If I want to get a bond or post collateral instead of purchasing insurance, what is required?
Ohio law allows for the following alternatives to automobile insurance:

  • A certificate issued by the BMV, after proper application and approval, indicating that money or government bonds in the amount of $30,000 is on deposit with the office of the Treasurer of the State of Ohio.
  • A certificate of bond issued by the BMV, after proper application and approval, in the amount of $30,000 signed by two individuals who own real estate having equity of at least $60,000.
  • A certificate of self-insurance issued by the BMV, after proper application and approval, to those with more than 25 motor vehicles registered in their name or a company’s name.
  • A $30,000 bond issued by an authorized surety or insurance company.

If you have been in a crash or convicted of certain offenses, the Ohio BMV can request you purchase additional auto insurance coverage and/or obtain an SR22.  For more information, visit the Ohio BMV or the Ohio Department of Insurance website.

These are the state’s requirements to drive legally but if your vehicle is financed or leased then your financing company will also require you to carry additional coverage such as comprehensive and collision to cover their assets.  We offer great low rates on minimum coverage as well as on full coverage insurance in Ohio.  See how much our rates are for you, get a quick OH Auto Insurance Quote Online now or call (888) 997-8683 to speak with an agent today!