Ohio Auto Insurance regulations:

Ohio requires proof of financial responsibility for damage and injury you cause in an auto accident. You can post a cash bond of $30,000, real estate bond of $60,000, or purchase a minimum amount of liability coverage.

The state's standard liability coverage requirements are 12.5/25/7.5. That is $12,500 per individual for bodily injuries you cause to the other persons, and up to $25,000 for all, and $7,500 for damage you cause to the other party's personal property. Overall Rates are determined by the driving habits of the drivers within a state. Ohio determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.