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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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UPDATED: Mar 13, 2020

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In a nutshell...
  • Expanded limits of coverage and different types of insurance all should be considered to get the full coverage you need
  • As with most states, driving with no car insurance can result in very heavy fines and penalties
  • Liability insurance only covers damage to other peoples vehicles

Ohio car insurance laws are administered by the Ohio Bureau of Motor Vehicles and all vehicles registered must comply with Ohio’s Financial Responsibility Law which requires minimum levels of liability insurance.

While most Ohio drivers simply obtain a car insurance policy through a company such as Geico or Allstate, Ohio also allows drivers to waive the typical car insurance policy requirement by depositing $30,000 with the Ohio Bureau of Motor Vehicles.

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Ohio Car Insurance Laws

Driving with no insurance in Ohio will result in suspension of both your driver’s license and vehicle registration, not to mention the possible personal liability.

Drivers must carry proof of insurance at all times and Ohio law requires minimum car insurance liability insurance of at least:

  • $12,500 liability insurance per accident per person
  • $25,000 liability insurance for injuries of all passengers per accident
  • $7,500 property damage liability

A few more details surround qualifying for this alternative option to typical auto insurance but for some drivers, it can make sense. Most still opt for car insurance though through a car insurance company.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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Can I buy more Ohio car insurance?

Of course, it’s highly recommended by most financial advisors. Ohio car insurance laws require very small amounts of coverage, so almost no driver should ever opt for just the bare minimum policy coverage.

Liability insurance only covers damage to other peoples vehicles so if you do just purchase Ohio minimum car insurance requirements in a policy you will have no coverage for damages you or your vehicle sustain in a car accident.

It is illegal by Ohio law to drive without car insurance. Law enforcement officials are empowered with the right to impound and immobilize your license plates for up to 30 days for the first offense.

Ohio Car Insurance Discounts

With over 150 licensed car insurance companies in Ohio, residents should have no problem finding an auto insurance provider. Average Ohio car insurance rates are almost 40 percent lower than almost any state.

In fact, only 2 states have lower average car insurance premiums than Ohio but this does not mean you still can’t save money on premiums.

All the normal car insurance discounts apply in Ohio including the good driver discount, multi-policy discounts.

Shop around and compare Ohio car insurance companies as compared to Michigan, Louisiana, and other very expensive states it will seem like a deal buying Ohio car insurance from nearly every provider.

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  1. http://www.bmv.ohio.gov/
  2. https://www.thebalance.com/how-to-get-insurance-without-a-license-527247
  3. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  4. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums

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