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Coverage and service fit for Ohio

Ohio has 27 scenic byways crisscrossing the state. These gateways offer hundreds of miles of exploration into cultural, historic, natural and recreational areas. If you live in the Buckeye State, USAA offers a combination of coverages and service fit for Ohio. Whether you're driving through the historic Ohio River Valley, pulling up to the shores of Lake Erie or easing through Amish Country, USAA can be there for you.

The average cost of car insurance in Ohio

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.

See note$126See note per month

The average monthly cost for all USAA Auto Insurance policies issued in Ohio in 2023.1

Get up to 30% off your premium for being a safe driver.2

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Ohio car insurance coverage requirements

As of Jan. 1, 2024, Ohio law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $25,000 of bodily injury liability coverage per person

    This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.

  • $50,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault.

  • $25,000 of property damage liability coverage

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy limits, you may have to pay out of pocket.

A popular coverage option is roadside assistance,3 which can help if you're broken down and need a tow. Many drivers also add rental reimbursement,4 which helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision coverage and comprehensive coverage.

Reasons to choose USAA Auto Insurance in Ohio

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.5 Here's what else you can expect with a USAA Auto Insurance policy.

Get coverage for whatever moves you.

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)