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Ohio Car Insurance Requirements

Ohio Minimum Car Insurance Requirements

The state of Ohio requires all drivers to carry a certain minimum amount of liability insurance in order to drive legally. You must carry proof of this insurance at all times while driving. The mandatory liability insurance minimums according to Ohio law are as follows:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

It is important to note that if you have an auto loan or lease your vehicle, your lender or leasing company may require you to carry additional car insurance.

Ohio Liability Insurance

Liability insurance is required for all drivers in the state of Ohio. This type of insurance pays for bodily injuries and property damage you cause in an accident you are fault to be at fault for. It will cover accident expenses like lost wages and auto repairs. It is important to note that your liability insurance policy will never cover your injuries or damage to your property.

Car Insurance Limits in Ohio

Coverage limits refer to the maximum amount of money your insurer will payout in the event of a claim. At the same time, states can mandate their own minimum limits of coverage that every driver must carry. For the state of Ohio, those limits are expressed as 25/50/25, with each number applying to a different aspect of liability insurance. Those categories and what they can cover are explained below.

  • Bodily injury per person is the maximum amount your insurance company will pay for a single person’s injuries in an accident you caused.
  • Bodily injury per accident is how much your insurer will pay out in total for all injuries you cause.
  • Property damage per accident is the amount of money your insurer will pay up for the damage you cause to another person’s property in an accident.

Is Ohio’s Mandatory Insurance Minimums Enough Coverage?

In short, no. If you only carry the mandatory minimum amount of liability insurance, you and your assets will be sorely unprotected. It would be in your best interest to purchase a policy with increased coverage limits and look into utilizing policy add-ons. Anything your insurer will not cover can land back in your lap with the expectation that you will pay for the rest. If you end up totaling someone else’s car in an accident, $25,000 in property damage coverage may not fully pay for everything. You do not want to put yourself at such a risk. Keep this in mind as you shop for a policy.

Driving Without Insurance in Ohio

Since carrying liability insurance is law in Ohio, failure to present proof of coverage has some pretty heft penalties. Listed below is what you could be facing after a first offense and those thereafter if you choose to drive without insurance in the state of Ohio.

First Offense:

  • Revocation of license
  • Registration revoked
  • Fine of $50
  • Reinstatement fees
  • SR22 certificate

Second Offense:

  • License revoked for 1 year
  • $50 fine
  • Reinstatement fees
  • SR22 certificate
  • Registration revoked

Third Offense:

  • License revocation for 2 years
  • Registration revoked
  • Fine of $50
  • Reinstatement fees
  • SR22 certificate

Additional Types of Car Insurance in Ohio

Since the state of Ohio only requires its drivers to carry liability insurance, it would be wise to expand your coverage by looking into policy add-ons. There is a variety of them offered by nearly every insurance company you come across. Listed below are some types of car insurance you can add to your policy for better protection.

  • Collision: This type of insurance pays for damages your vehicle sustains in an accident with another car.
  • Comprehensive: This covers damages to your vehicle that occur when it is not in use. Some perils included under this policy are theft and extreme weather.
  • Medical Payments: This insurance covers expenses you accumulate following an accident. It pays out no matter who was responsible for the accident and extends coverage to any passenger(s) you had.
  • Roadside Assistance: If your car breaks down on the highway, roadside assistance can be there to fix mechanical issues your vehicle is experiencing.
  • Uninsured/Underinsured Motorist Coverage: This will pay for bodily injuries and property damage expenses you accumulate following an accident with someone lacking the proper liability insurance coverage.

Car Insurance is Important For Any Ohio Driver

Carrying the proper amount of car insurance not only helps to keep you on the right of the law in Ohio but offers you valuable protection. Accidents can get very costly, very quickly. If you lack adequate car insurance, you could be putting your finances in an unfortunate situation. Not to mention the various penalties that come with refusing to obtain a policy. It is highly recommended that you take time to purchase car insurance and include any policy add-ons to assure you have the proper coverage needed as a driver.

*This product may not be available in every state, please call an agent for more information.

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