Auto Insurance Requirements In Ohio
Ohio Auto Insurance
According to the Ohio state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request. While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits. It’s also important to note that, while Ohio law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.
Car Insurance Policy Requirements in the state of Ohio
Ohio law mandates that every automobile insurance policy sold in the state must have these minimum coverages:
- $25,000 for injury/death of one person
- $50,000 for injury/death of two or more people
- $25,000 for property damage in an accident
Penalties and Violations
If you are caught driving without insurance in Ohio, it could result in a loss of driving privileges, suspension of license plates and vehicle registration. You are required to pay reinstatement fees ranging from $160-$660 to get your license plates and registration back. You may be required to file SR22 insurance for a 3-5 year period and your vehicle could be impounded for 30-60 days for violating the insurance requirement.
Choosing the insurance that’s actually right for you may seem overwhelming. It’s important to make sure you’re adhering to the law in whatever state you live. Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road. Getting the right insurance is just a few steps away.