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Ohio Insurance Guide
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Insurance in Ohio
Find comprehensive insurance information for Ohio (OH) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Midwest region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Ohio (OH) |
| Region | Midwest |
| Population | ~11.8M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Ohio Department of Insurance |
Health Insurance in Ohio
Ohio residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Ohio
Ohio has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Ohio
Protect your home with coverage tailored to Ohio’s specific risks and requirements.
Life Insurance in Ohio
Find life insurance options available to Ohio residents to protect your family’s financial future.
How Ohio Compares
Understanding how Ohio stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Ohio | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $998 | $1,935 | -48% (among the lowest) |
| Health Insurance (monthly) | $378 | $477 | -21% (among the lowest) |
| Home Insurance (annual) | $1,178 | $2,377 | -50% (well below average) |
| Uninsured Rate | 7.4% | 9.5% | -22% (better than average) |
Key Insights
- Auto insurance in Ohio is significantly cheaper than the national average, ranking #5 lowest in the country.
- Health insurance premiums are relatively affordable compared to other states, ranking #5 lowest.
- Homeowners insurance is among the most affordable in the country at #10.
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Ohio Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Ohio (opens in new tab) - Federal health insurance marketplace for Ohio
- Ohio Department of Medicaid (opens in new tab) - Medicaid eligibility and enrollment
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Ohio address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Ohio Department of Insurance
- Phone
- 800-686-1526
- Website
- Visit Official Website
Frequently Asked Questions
What are Ohio's minimum auto insurance requirements?
Ohio requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Ohio is an at-fault state, meaning the driver who causes an accident is responsible for damages.
What is the average car insurance cost in Ohio?
Ohio drivers pay an average of $1,200-$1,500 per year for full coverage auto insurance, which is below the national average. Rates vary by city, with Cleveland and Columbus typically having higher premiums than rural areas.
Does Ohio have expanded Medicaid?
Yes, Ohio expanded Medicaid in 2014. Adults earning up to 138% of the federal poverty level may qualify for Medicaid coverage. You can apply through the Ohio Department of Medicaid or Healthcare.gov.
What weather risks should Ohio homeowners insure against?
Ohio homeowners should consider coverage for tornado and wind damage (included in standard policies), flooding (requires separate policy), and winter storm damage. The state experiences severe weather including tornadoes in spring and summer, and heavy snowstorms in winter.
Is uninsured motorist coverage required in Ohio?
While not technically required, Ohio insurers must offer uninsured/underinsured motorist coverage. Given that about 12% of Ohio drivers are uninsured, this coverage is highly recommended to protect yourself if hit by an uninsured driver.
How do I find health insurance in Ohio?
Compare plans on Healthcare.gov during open enrollment (November-January). Ohio uses the federal marketplace, and many residents qualify for premium tax credits. You can also check eligibility for Medicaid through the Ohio Department of Medicaid website.
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[ohio] Insurance Types
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Neighboring State Guides
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