When it comes to car insurance, each state has its own set of minimum coverage requirements. These requirements ensure that drivers have enough coverage to financially protect themselves and others in the event of an accident.
Comparing car insurance and minimums in Ohio and Kentucky can help you understand what coverage you need in each state.
Ohio car insurance minimums
In Ohio, the minimum car insurance coverage requirements include the following:
- $25,000 for injury or death of one person
- $50,000 for bodily injury liability of two or more people
- $25,000 per accident for property damage liability
Often referred to as 25/50/25 coverage, Ohio requires these minimums by law. However, it is essential to note that these minimums may not cover the extent of a serious accident. Consider purchasing additional coverage, such as uninsured motorist coverage and comprehensive coverage, to protect yourself and your vehicle fully.
Kentucky car insurance minimums
In Kentucky, the minimum car insurance coverage requirements nearly mimic Ohio’s. The minimum coverage requirements in Kentucky include the following:
- $25,000 per person for bodily injury liability
- $50,000 per accident for bodily injury liability
- $25,000 per accident for property damage liability
Kentuckians also have an alternative option to carry a policy with a single limit of $60,000 and provide basic reparations benefits (excluding if the vehicle is a motorcycle). A motorist may not operate their vehicle in Kentucky until obtaining the proper insurance. Registration for personal vehicles may end up canceled if the vehicle’s owner does not have the required insurance.
It is important to understand the coverage requirements in your state and choose a plan that meets your needs and budget.
