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Ohio Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Ohio. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Ohio.

OH Auto Insurance Laws and Regulations:

The Ohio Department of Insurance
2100 Stella Court
Columbus, OH 43215

Minimum Car Insurance Coverage in OH:

$12,500 for injury/death to one person

$25,000 for injury to more than one person

$7,500 for damage to property

OH Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


OH Uninsured Penalties:

License plate and vehicle registration suspension - Loss of driving privileges for up to 2 years. You can lose your license for 90 days on the first offense, a year for the second, and two years for any additional times.

Stiff fees and penalties for renewal of license plate and driver's license up to $500 depending on the number of violations - Being required to file an SR-22 with your insurance company (which will substantially increase your rates) and keep that on file with the state for 3 to 5 years.

Vehicle impound and confiscation of license plates for up to 60 days if you violate a suspension. Subsequent offenses could result in your vehicle being taken from you and not being allowed to register another vehicle in the state for up to 5 years.

As you can see, it doesn't pay to drive without minimal liability insurance in the state of Ohio. The penalties can be severe and cost you significant damages that will easily wipe out any savings you may get from not paying for the insurance in the first place.


OH Department of Insurance Contact Information:

1-614-644-2658 or
Toll Free: 1-800-686-1526

OH State Insurance Department Website:





Directory of Ohio Auto Insurance Agents by County

Adams
Allen
Ashland
Ashtabula
Athens
Auglaize
Belmont
Brown
Butler
Carroll
Champaign
Clark
Clermont
Clinton
Columbiana
Coshocton
Crawford
Cuyahoga
Darke
Defiance
Delaware
Erie
Fairfield
Fayette
Franklin
Fulton
Gallia
Geauga
Greene
Guernsey
Hamilton
Hancock
Hardin
Harrison
Henry
Highland
Hocking
Holmes
Huron
Jackson
Jefferson
Knox
Lake
Lawrence
Licking
Logan
Lorain
Lucas
Madison
Mahoning
Marion
Medina
Meigs
Mercer
Miami
Monroe
Montgomery
Morgan
Morrow
Muskingum
Noble
Ottawa
Paulding
Perry
Pickaway
Pike
Portage
Preble
Putnam
Richland
Ross
Sandusky
Scioto
Seneca
Shelby
Stark
Summit
Trumbull
Tuscarawas
Union
Van Wert
Vinton
Warren
Washington
Wayne
Williams
Wood
Wyandot

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