Ohio Auto Insurance

Required Auto Insurance

There is no NO mandatory auto insurance requirement in Ohio

Minimum Coverage

Although auto insurance is NOT mandatory, should you opt to get liability insurance the minimum coverage is 12.5/25/7.5, which relative to most other state minimum limits is considered low. Therefore, obtaining auto insurance above these minimum amounts is viewed as prudent.

These minimum limits state that car insurance coverage should cover a minimum $12,500 for injury liability for one person in an accident, $25,000 for all injuries in any single accident, and $7,500 for property damage in an accident.

Other Important Things To Know

Although Ohio does not require its drivers to have auto insurance, it does, however, require its drivers to possess a method that ensures the means to pay for injuries or damages that result from an accident in which you are found negligent. This assurance is called "proof of financial responsibility". Accordingly, Ohio motorists must keep "proof of financial responsibility" (i.e. an insurance card or insurance policy) in their vehicles at all times. The driver must also be prepared to present this “proof of financial responsibility” to law enforcement personnel when requested.
fyi: Progressive Insurance Company is headquartered in Mayfield Village OH

Ohio auto insurance law offers the following three options:

Purchase the state’s minimum amount of liability insurance (recommend higher coverage)
Be able to post a $30,000 cash bond with the state treasurer
Be able to post a $60,000 real estate bond with the Ohio Bureau of Motor Vehicles (BMV)

Failure to provide proof of financial responsibility penalties include:

Suspension of your driver's license for 90 days -- or up to one year for repeat offenders
Impoundment of your license plates and/or your automobile
Court costs
No driving privileges during suspension

The Ohio Department of Insurance

2100 Stella Court
Columbus, Ohio 43215-1067
Phone: 614 644-2658
Fax: 614 644-3743

Consumer Insurance Hotline

Toll Free: 800 686-1526
Fraud Hotline: 800 686-1527
OSHIIP Hotline: 800 686-1578

Website: Ohio Dept of Insurance - Website
Email: property.casualty@ins.state.oh.us