Ohio Car Insurance Laws

Moving from another state to Ohio requires planning and research whether you are moving from across Lake Erie or across the country. Some of the most important things you need to know are the Ohio auto insurance laws and how they differ from your previous state. Ohio car insurance law requires drivers to carry Bodily Injury Liability coverage and Property Damage Liability coverage. Ohio is an at-fault state and the state courts will find one party at fault for the accident. The insurance company of the at-fault party will cover the damages for the entire accident.

[Let CarInsurance.com help you find affordable auto insurance now.]

$12,500 Bodily Injury Liability (per person)
$25,000 Bodily Injury Liability (per accident)
$7,500 Property Damage Liability

Although Ohio does not mandate Uninsured/Underinsured Motorist coverage, most insurance companies offer this additional protection.

If an Ohio resident can prove financial responsibility, auto insurance does not have to be purchased. One way to prove financial responsibility in Ohio is a certificate issued by the Treasurer of the state of Ohio that the individual has deposited $30,000 in money or United States bonds. The Treasurer will do a background check to make sure the individual does not have any unsatisfied judgments the deposit should go to prior to approving the certificate of financial responsibility.