“Full Coverage” Car Insurance in Ohio

In Ohio, “full coverage” car insurance typically includes liability, collision, and comprehensive coverage. While “full coverage” isn't mandated by law in Ohio, it’s a popular option for drivers who want extra protection against accidents, weather-related damages, and theft. It’s a flexible bundle that you can adjust to meet your coverage needs and budget.

What is “Full Coverage” Car Insurance in Ohio?

“Full coverage” refers to a bundle of coverages that go beyond the state’s liability minimums to offer broader protection options for your car and wallet. Even though “full coverage” provides broader protection, it does not cover everything.

“Full coverage” in Ohio is usually a mix of:

• Liability coverage
• Collision coverage
• Comprehensive coverage

Though not required in Ohio, adding collision and comprehensive coverage can help cover your own vehicle in a wider range of scenarios. This combination of coverages can protect you when an accident, weather-related damage, theft, or vandalism occurs, and give you more security on the road.

If you’re leasing or financing a car, “full coverage” is often required. Otherwise, it’s an optional upgrade that could save you thousands in the event of an accident.

Liability Coverage

In Ohio, liability insurance is legally required. It helps cover injuries or damages that you have caused to others in an accident. Coverage includes:

• Bodily Injury Liability: This helps cover medical expenses and lost wages for other people if you are at fault in an accident. In Ohio, the minimum required coverage is $25,000 per person and $50,000 per accident.
• Property Damage Liability: This helps cover the cost of repairs or replacement if you damage someone else's property, including vehicles, fences, or buildings. The minimum required coverage in Ohio is $25,000 per accident.

Uninsured Motorist Coverage

Ohio law requires that all drivers carry Uninsured Motorist (UM) coverage unless they specifically choose to opt out. Having uninsured motorist coverage can help protect you from having to cover the costs yourself.

Ohio drivers can typically choose between:

• Uninsured Motorist Coverage: Helps cover your medical expenses, lost income, and more if you're hit by a driver without insurance.
• Uninsured Motorist Property Damage (UMPD): Helps pay for vehicle repairs and other property losses.

With the right uninsured motorist coverage, you’ll be ready to handle the aftermath of an accident and get back on the road. GEICO can help you increase your limits for added protection or build a policy that keeps you protected, even if the other driver isn’t.

Vehicle Coverage

In Ohio, basic liability coverage won't cover your own vehicle if you’re involved in an accident. To ensure you're protected, consider adding collision and comprehensive coverage to your policy. For that, you may need:

• Collision Coverage: Helps pay for repairs if you hit a car, pole, or any other object.
• Comprehensive Coverage: Covers damage from non-collision events like theft, vandalism, fire, hailstorms, or hitting an animal.

With these coverages, if your car gets damaged or stolen, you won’t have to take on the full cost of repairs or replacement out of pocket.

Medical Coverage

Medical coverage helps protect you and your passengers from the financial burden of injuries after an accident.

GEICO offers two valuable options for medical coverage:

• Medical Payments Coverage (MedPay): This coverage helps pay for the cost of your medical treatments following an accident.
• Personal Injury Protection (PIP): This coverage extends to medical bills, lost wages, and other essential services if you're injured in an accident, no matter who’s at fault.

Limitations in "Full Coverage"

“Full coverage” helps protect against many potential risks, but there are instances where it might not cover everything you need. For example, if your car is damaged while parked illegally or if a claim isn’t properly documented, it might not be covered by your policy.

Does Ohio Require “Full Coverage” Car Insurance?

Ohio does not require “full coverage” car insurance for all drivers. Liability coverage is the only car coverage that is required, which helps pay for damages or injuries you cause to others. “Full coverage” is often a lender requirement if you’ve financed or leased your vehicle.

Optional Add-Ons to “Full Coverage”

“Full coverage” is a great start when it comes to protecting you and your car, but GEICO also offers several optional add-ons to make your policy even more tailored to your needs.

• Emergency Roadside Service: Get help with flat tires, battery jumps, fuel delivery, and lockouts with Emergency Roadside Service. This add-on is especially useful during Ohio’s rainy season or on long drives through rural areas.
• Rental Reimbursement: Rental reimbursement will help cover the cost of a rental car after an accident occurs. This is a smart choice in Ohio, where long commutes or tourist-season traffic can make going without a car difficult.
• Mechanical Breakdown Insurance: This coverage offers protection for mechanical failures that aren't caused by an accident. If your car breaks down, this coverage can help you avoid costly repairs.
• Customized Equipment Coverage: If you’ve added customizations or aftermarket equipment to your vehicle, this coverage protects those additions. Whether you’ve installed a custom sound system or enhanced your vehicle for fun times in Ohio’s diverse terrain, this add-on ensures your investment is protected.

These extras can give you a wider range of protection and less to worry about on the road.

Ways to Save on “Full Coverage” with GEICO

GEICO offers smart savings so that “full coverage” doesn’t have to mean full price:

• Multi-policy discount: Bundle your auto policy with renters, homeowners, or motorcycle insurance and save.
• Safe driver discount: With a clean driving record, you can benefit from lower premiums.
• Good student discount: Great grades could mean great savings for young drivers.
• Auto Pay Discount: Enroll in automatic payments and enjoy the convenience and potential savings on your policy.
• Early Shopper Discount: Buying a new policy before your existing one expires may help you save.
• Paperless Discount: Paying your premium online may qualify you for a paperless discount.
• DriveEasy*: Get rewarded for good driving behavior by participating in the DriveEasy program through the GEICO mobile app.

Get an Ohio Car Insurance Quote in Ohio Today!

Looking for reliable car insurance in Ohio? GEICO makes it easy. Get your free car insurance quote now and customize your coverage to meet Ohio’s requirements and your unique needs.

Answer a few quick questions, and we’ll help you customize a policy that fits your Ohio driving needs. Our agents are ready to help.