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New law makes Ohioans with minimum car insurance pay more
A state law that went into effect this week doubles the state minimum levels of coverage that drivers must carry

Morning Edition Host
Amanda Rabinowitz

Ohio drivers who carry the minimum amount of insurance will have to boost their coverage the next time they renew their policies. WKSU’s Amanda Rabinowitz reports.

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A state law that went into effect this week doubles the state minimum levels of coverage that drivers must carry — to $25,000 per person, $50,000 for a multiperson accident and $25,000 for property damage. It is the first increase in nearly 45 years.

The Ohio Insurance Institute estimates that about 400,000 Ohioans — roughly 5 percent of the state’s insured drivers — carry the minimum levels.

For drivers who carry minimum coverage, the new minimums don’t go into effect until their current policies expire and determining new rates will be based on a set of factors including the driver’s age, driving record, and vehicle type.

The Columbus Dispatch says one concern with the new law is that it will cause more drivers to skip insurance. But industry officials say Ohio’s competitive market for insurance coverage gives drivers options and keeps rates among the lowest in the country while providing the drivers with more coverage.

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