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.
“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:
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.
In Ohio, liability insurance is legally required. It helps cover injuries or damages that you have caused to others in an accident. Coverage includes:
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:
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.
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:
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 helps protect you and your passengers from the financial burden of injuries after an accident.
GEICO offers two valuable options for medical 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.
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.
“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.
These extras can give you a wider range of protection and less to worry about on the road.
GEICO offers smart savings so that “full coverage” doesn’t have to mean full price:
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.