Ohio Car Insurance Requirements (Updated for 2025)

Ohio law mandates that all drivers maintain minimum liability insurance coverage. Failure to comply can result in fines, suspension of driving privileges, and other penalties. It’s essential to understand these requirements to ensure you’re adequately protected and compliant with state laws.

📋 Minimum Required Coverage

As of 2025, the minimum required liability insurance limits are:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $25,000 per accident

Note: Ohio is a fault state, meaning the at-fault driver is responsible for damages. Personal Injury Protection (PIP) is not required in Ohio; however, drivers can opt for Medical Payments (MedPay) coverage, which helps cover medical expenses regardless of fault.

📄 Proof of Insurance

Drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration. This proof can be a physical card or an electronic version on a mobile device.

🚫 Penalties for Driving Without Insurance

Penalties for driving without insurance in Ohio are as follows:

• First Offense: License and registration suspension until proof of insurance is provided, $40 reinstatement fee, and a $50 penalty for failure to surrender license or plates.
• Second Offense: One-year license suspension, $300 reinstatement fee, and a $50 penalty for failure to surrender license or plates.
• Third and Subsequent Offenses: Two-year license suspension, $600 reinstatement fee, and a $50 penalty for failure to surrender license or plates. Additionally, the vehicle may be impounded or sold, and the driver may be barred from registering another vehicle for five years.

Drivers may also be required to file an SR-22 form, which is a certificate of financial responsibility, for three to five years, depending on the offense.

🔄 SR-22 Requirement

If your driving privileges are suspended due to lack of insurance, you may be required to file an SR-22 form. This form must be maintained for a specified period, typically three to five years, to reinstate your driving privileges.

💡 Optional Coverages to Consider

While not required, you may consider the following optional coverages to enhance your protection:

• Collision Coverage: Pays for damages to your vehicle resulting from a collision.
• Comprehensive Coverage: Covers damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
• Medical Payments (MedPay): Helps cover medical expenses for you and your passengers after an accident.
• Rental Reimbursement: Provides coverage for rental car expenses while your vehicle is being repaired.
• Roadside Assistance: Offers services like towing, battery jump-starts, and flat tire changes.

📈 Average Insurance Rates

Insurance premiums can vary based on factors such as driving history, vehicle type, and location. It’s advisable to compare quotes from different insurers to find the best coverage at the most competitive rates.

📌 FAQs

Is Ohio a no-fault state?

No, Ohio is a fault state, meaning the at-fault driver is responsible for damages.

Can I drive without insurance if I can pay for damages out of pocket?

No, Ohio law requires all drivers to maintain the minimum liability insurance coverage.

What should I do if I can’t afford car insurance?

If you’re unable to afford insurance, consider exploring low-cost insurance programs or seeking assistance from state-sponsored programs that may be available to eligible individuals.