What does it mean to be driving under an FRA suspension?

In Ohio, an FRA suspension is issued when a driver doesn’t have car insurance. The acronym “FRA” is often used, but isn’t an official term in the Ohio statutes. The code “F” describes the suspension class for driving without insurance. “FR” is an acronym for “financial responsibility.” The Ohio BMV refers to it as a non-compliance suspension.

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Contents

Table of Contents

Table of Contents

• What is an FRA suspension in Ohio?
• What are Ohio’s financial responsibility auto insurance requirements?
• What are Ohio’s penalties for failure to prove financial responsibility?

What is an FRA suspension in Ohio?

An FRA suspension is a penalty in Ohio for lack of financial responsibility. Your driving privileges are taken away if you are on an FRA suspension. Driving under an FRA suspension is illegal, and if you are caught, you could face further penalties.

Section 4509.101 of the Ohio Revised Code prohibits an individual from operating a motor vehicle in Ohio without maintaining proof of financial responsibility (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.

What are Ohio’s financial responsibility auto insurance requirements?

Ohio car insurance law requires financial responsibility in the minimum amount of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

What are Ohio’s penalties for failure to prove financial responsibility?

Failure to provide proof of financial responsibility when required in Ohio will result in the following civil penalties imposed by the Ohio Bureau of Motor Vehicles (BMV):

• Suspension of your driving license for at least 90 days if it’s your first time.
• Up to one-year suspension for repeat offenders.
• Impoundment of your license plates and certificate of registration.
• Court costs.
• No driving privileges during suspension.

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