Skip to content
Click to Call
McCluskey Insurance Services, LLC

9162 Union Cemetery
Cincinnati, OH 45249

Get Directions

Insurance Blog

Required Auto Insurance in Ohio

In Ohio, as in other states, it is required that all vehicle owners have auto insurance for their vehicles. And, they must carry proof that they carry this insurance to be compliant with the law. If you are in Cincinnati, OH, and need auto insurance, call us today at McCluskey Insurance Services LLC. 

Required Auto Insurance in Ohio

Liability Coverage

Like many states, there are specific types of coverage that have to be present in your auto policy. There are two different types of liability coverage required with three different amounts of coverage required. All of these must be in place in order to drive your vehicle legally. In Ohio, drivers must have bodily injury liability coverage with one amount available for a single person injured in an accident that was caused by your vehicle. A second amount has to be available for everyone who was injured in such an accident. 

The other type of coverage required is property damage liability. This provides a set maximum amount for damage done to someone else’s property in an injury that was caused by your vehicle. This does not pay for any damage to your own vehicle. 

Minimum Amounts in Ohio

All three of these state-required amounts have to be present in your auto coverage, but you can always add extra coverage to your policy. Ohio has very low minimum amounts required for its auto insurance, and it is likely not to be enough in the case of a serious accident occurring. 

Get Your Ohio Auto Insurance Policy

You’re putting yourself at risk when you drive in Ohio and haven’t gotten auto insurance yet. Don’t risk facing fees and fines as well as expensive medical and property damage bills after an accident. To get your auto policy in Cincinnati, OH, give us a call today at McCluskey Insurance Services LLC. 



Servicing States

  • Ohio
  • Kentucky
  • Indiana
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Iowa
  • Kansas
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington DC
  • West Virginia
  • Wisconsin
  • Wyoming


Partner Carriers

  • AAA
  • AIG
  • Branch
  • Bristol West
  • Foremost
  • Gainsco
  • Grange
  • Grinnell Mutual
  • Hagerty
  • John Hancock
  • Liberty Mutual
  • Lincoln
  • National General
  • Openly
  • Pacific Life
  • Progressive
  • Protective
  • Prudential
  • Safeco
  • Transamerica
  • Travelers
  • Trexis
  • The General