Ohio Car Insurance Requirements
Get a Quote
A long-haired person sits in the driver's seat of a car at night, reaching up to adjust the rear-view mirror, with a dark street and blurred lights in the background.

Personal Injury Protection — Ohio

Personal Injury Protection (PIP) covers your medical bills and lost wages after an accident, regardless of who caused it.

Compare my rates

Free to compare

What Is Personal Injury Protection Insurance?

Personal Injury Protection pays your medical expenses, lost income, and essential services costs after a car accident without requiring you to prove the other driver was at fault. It functions as first-party coverage, meaning your own policy pays your bills immediately while liability claims get sorted out. PIP typically covers hospital bills, rehabilitation, funeral expenses, and a percentage of lost wages up to your policy limit.

  • Your spouse is injured while riding in your car during an accident you caused. Your liability coverage won't pay their medical bills because it only covers people in other vehicles. PIP pays up to your policy limit for their treatment, regardless of fault.
A woman with long brown hair sits in the driver's seat of a car, holding a phone to her ear, seen through the windshield.

Who Needs Personal Injury Protection Insurance?

PIP makes sense if your health insurance has a high deductible, slow reimbursement, or gaps in coverage for things like chiropractic care or home health aides. It's particularly valuable for self-employed drivers who can't afford to miss work without income replacement, and for households where passengers frequently ride in your vehicle.

Compare your health insurance deductible to typical PIP premiums.

How Much Does Personal Injury Protection Insurance Cost?

  • Household size and driver count — more drivers on the policy increase PIP cost because each person gains coverage.
  • Zip code medical cost index — areas with higher average hospital and specialist costs see higher PIP premiums.
  • Stacking election — choosing stacked PIP (combining limits across multiple vehicles) doubles or triples the base premium.

Related Coverage Types

An open black mailbox with a raised red flag on a wooden post holds a white envelope, with a parked SUV on a gravel driveway and a house blurred in the background at dusk.Non-Owner Car Insurance→A man in a dark green shirt sits at a wooden desk working on a laptop, with printed floor plans, a rolled drawing, a pen cup, a notebook and a dark mug around him, and a large window showing trees at dusk behind.Liability Insurance→A hand holds a car key with a black remote fob over a wooden table where printed documents, a pen, and a clipboard rest, with a dimly lit kitchen in the background.Uninsured and Underinsured Motorist Coverage→A bearded man in a dark shirt works at a laptop on a wooden desk with printed documents and a travel mug, beside a large window showing a sunset sky.Minimum Coverage Car Insurance→
A man in a cap, denim shirt, jeans and boots leans against the rear of a pickup truck in a grassy field at sunset.

Check Your Rate Against Other Ohio Drivers

Get My Ohio Car Insurance Quote