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Ohio Car Insurance Information

Requirement : Yes

Car insurance is required in Ohio . Drivers must have a minimum of liability coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability insurance policy is required:

    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident.
    • $25,000 for property damage.

Other Car Insurance Coverage Options:

Liability coverage is the only requirements for Ohio motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.

  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Ohio requires all drivers to have minimum coverage.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times.

Your insurance provider will send you an insurance card.

The card will include:

  • Vehicle’s information:
    • Make
    • Model
    • Year
    • Safety Rating
    • Value
  • Your policy name & name of any other drivers insured under the policy.
  • The policy term’s expiration date.
  • A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $75 fine for first offense.
      • Three-month driver’s license suspension.
    • 1 year license suspension for second offense within 5 years.
    • 2 year license suspension for subsequent offenses.

  Credit Scores & Determining Your Insurance Premium :

All Ohio drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Ohio Automobile Insurance Plan (OAIP).


Other factors that may be used to determine your premiums include:

  • Credit history
  • Driving history
  • Year, make model of vehicle
  • Deductible

Discounts : Yes

Discounts available in Ohio:

  • Good driver discount.
  • Good student discount.
  • Multi-vehicle discount.
  • Anti-theft device discount.

Cellphone Use:

Drivers under the age of 18 are banned from all cell phone use while driving. All drivers are prohibited from texting while driving. Cell phone and texting violations are considered primary offenses. Violators face a $150 - $300 fine.

Ohio Minimum Coverage Laws

Carriers in Ohio

Full Insurance Laws for Ohio