Similar to every other state in America, Ohio has certain requirements which must be met in order to legally operate a vehicle within the state. These requirements are fairly straightforward, and are the minimum amount of insurance protection. If you so choose, you can vote to have more extensive coverage placed on your automobile.

Ohio state law requires that each driver has a minimum of $12,500 per person, and $25,000 per accident coverage in Bodily Injury Liability insurance. Bodily Liability Insurance is divided up into three sections: medical bills, wage loss, and pain and suffering. If the innocent party experiences symptoms falling under any of those three categories, your Bodily Injury Liability will reimburse the costs.

Property Damage Coverage insurance is also required, with a minimum amount of $7500 to cover potential damage to another person's property as a result of a vehicular accident. Keep in mind that Property Damage is not strictly limited to another person's vehicle; this type of coverage also protects buildings, possessions, fences, light posts, and more.

In addition, Tort Option Coverage is also required. A Tort System mandates that one person must be held responsible for an accident, and that the guilty party and their insurance will pay for the damages and liability. Each Tort System varies from state to state.

While not legally necessary, it is recommended to purchase Uninsured/Underinsured motorist insurance, as this will protect you and your vehicle in a case where the guilty party does not have insurance, or the expenses exceed the limits of their coverage.

Many insurance agencies will provide you with a package consisting of the minimum coverage allowed by state. Your insurance agent will know your state regulations and rules, and will be able to help you customize your auto insurance depending on your budget and your concerns. In addition, your Ohio insurance agent will help you choose certain options specific to the driving hazards in your area. Discuss with your insurance agent how your policy treats accidents caused from snow or black ice on the road, and whether you are considered at fault for these types of unavoidable accidents.