Is Car Insurance Required by Law in Ohio?

June 23, 2023 - 5:48 pm - 4 min read

Introduction to Ohio Car Insurance Laws

Car accidents can happen at any moment. Whether you are driving on the highway, changing lanes, or even parked, your car could be hit by another driver. In Ohio, it is essential to know the car insurance requirements as they are designed to protect drivers on the road and provide financial protection in case of an accident.

One of the most commonly asked questions is; is it a law in Ohio to have car insurance? The short answer is yes. Every car owner in Ohio must carry proof of insurance. There are various types of coverage you can purchase to meet Ohio states’ requirements. In this article, we will discuss Ohio car insurance laws – who must have insurance, the minimum requirements, and what happens when you violate the law.

Who Must Have Car Insurance in Ohio?

As per Ohio state law, every car owner in Ohio is required to have minimum car insurance coverage. This includes liability insurance, which covers the cost of injuries and damages to others in an accident that you cause. The minimum liability coverage for car owners in Ohio is 25/50/25.

– $25,000 per person for bodily injury
– $50,000 for all persons involved in an accident
– $25,000 for any property damage

Additionally, under Ohio law, you are required to carry proof of insurance whenever you drive. Failing to have adequate insurance raises many legal concerns, including fines and possible license suspension.

What Happens if You Don’t Have Car Insurance in Ohio?

If you’re caught driving without insurance, the consequences can be severe. Under Ohio state law, the penalty for driving without insurance is a fine between $75 and $1,000.

Moreover, you may be subject to additional legal actions if you cause an accident while uninsured. If you don’t have sufficient coverage and you cause an accident, you could be deemed personally responsible for any resulting damages or injuries.

Furthermore, if you are caught driving without insurance more than once, the penalty increases. You may be required to complete an SR-22 filing, an official document that proves you have car insurance to legally drive. Ohio state law requires people who have been found guilty of driving without insurance three times or more to file an SR-22 for five years.

Optional Coverage in Ohio

While the minimum liability coverage is mandatory to drive in Ohio, drivers can opt for additional optional coverage. Optional coverage provides extra protection in case of an accident.

Collision Coverage: This insurance compensates you for damages to your car if you’re in an accident, regardless of who caused it.

Comprehensive Coverage: This coverage protects you against damages to your car caused by incidents that are beyond your control, like hail damage, theft, or natural disaster.

Uninsured/Underinsured Motorist Coverage: This policy covers damages or injuries if you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough.

Rental Car Coverage: It is an optional coverage that can pay for a rental while your car is being repaired if an accident happens.

Wrapping Up

In conclusion, getting car insurance is necessary for Ohio drivers. By law, all drivers in Ohio are required to carry minimum liability insurance consisting of 25/50/25 coverage. Failing to have adequate insurance in Ohio can result in severe penalties such as fines and license suspension.

By obtaining car insurance, you protect yourself financially and legally in case of an accident. And while the minimum coverage is mandatory, drivers can also purchase optional coverage, including collision, comprehensive, and rental car coverage. Taking the time to research and select the right insurance is a smart investment in your safety and financial well-being on the road.


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