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Ohio car insurance

Ohio Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Ohio mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. Alternatively, drivers can cover themselves with an authorized surety bond, cash or government bond - not less than $30,000 –or BMV bond secured by real estate equity equaling at least $60,000.

Ohio requires anyone operating a vehicle to have proof of financial responsibility coverage at all times even if it isn’t their vehicle.

Failure to provide adequate proof of coverage means a driver will lose their license for 90 days for a first offense. A second offense will see a one-year suspension. Two more subsequent offenses mean a confiscation of license plates and cancellation of registration.

Reinstatement fees range from $75 to $500 and a repeat offender will be required to purchase special high-risk insurance for three to five years. It is also possible one’s vehicle will be impounded.

Ohio Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Ohio they are as follows:

  • Bodily Injury for One Person: $12,500
  • Bodily Injury for All Injuries: $25,000
  • Property Damage: $7,500

Ohio Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Ohio does not require this coverage.

No Fault Insurance
In Ohio, you are not required to carry no-fault insurance. Ohio is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.