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What is the penalty for driving without car insurance in Toledo, Ohio?


In Ohio it is illegal to drive any motor vehicle without insurance or other financial responsibility (FR) proof. Section 4509.101 of the Ohio Revised Code prohibits an individual from operating a motor vehicle in Ohio without maintaining proof of FR continuously throughout the registration period with respect to that vehicle, or, in the case of a driver who is not the owner, with respect to that driver's operation of that vehicle.

Ohio law requires financial responsibility in the minimum amount of $12,500 for bodily injury to or death of one (1) individual in any one (1) accident, $25,000 for bodily injury to or death of two (2) or more individuals in any one (1) accident, and $7,500 for injury to the property of others in any one (1) accident.

If you receive a traffic ticket indicating that proof of FR was not produced, you must submit proof to the traffic violations bureau along with payment of a fine and costs for the traffic citation. If instead you are required to appear in court you must submit proof of FR to the court.

Failure to provide proof of financial responsibility in OH will result in the following civil penalties by the Register of Motor Vehicles:

  • Lose driving privileges for a minimum of 90 days and up to 2 years;
  • License plates and vehicle registration suspension;
  • License plate reinstatement fees of $125 for first violation;
  • Require to file with the OH BMV a SR-22 or bond to continuously maintain proof of financial responsibility for a minimum of 3 years up to 5 years from the date of the suspension the driver's license;
  • Vehicle immobilization and confiscation of plates for 30 to 60 days if the driver violates the suspension.

The Ohio Bureau of Motor Vehicles (BMV) notes that driving and registration privileges cannot be restored until all requirements of the suspension have been met.

You can obtain a low cost car insurance quote for Toledo, Ohio here with us.


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4 Responses to "What is the penalty for driving without car insurance in Toledo, Ohio?"
  1. Anonymous

    I found this article to be very informative. To the person that posted before, I have to say, Im sorry. It sounds like you are in a tough situtation. Car insurance prices can indeed be high, but with the all of the options availible online, you are bound to find one that is more affordable. Try CarInsurance.com they are great!

  2. Anonymous

    The information was precise and straight to the point. I found all of the information that I woas looking for.

  3. Anonymous

    Because it is the truth. This individual is obviously intelligent and competent and has a sadly rare understanding of how ridiculous some laws are.

  4. Anonymous

    I honestly believe that Ohio insurance policy is obscene. The only reason as to why the citizens of Ohio need insurance is because they can't drive. If the law of Ohio states that all motorist are to be insured. If this is so, then they should make it more affordable for younger drivers. Unfortunately I was in an accident because an individual was speeding around the corner and made a left hand turn directly into my car. She hit me! I did not have insurance due to the economic crisis my hours at work dropped from 40 hours per week to 15 hours per week. I could not afford a liability policy for $150.00 per month. This rate is suggested because I am only 20 years old. I had to get to work and look for another job, so that I could afford to pay my bills, but from the looks of things I will be in even more of a pit than I was before due to these high rates and the unfair and unbiased law.