Ohio Auto Insurance Quotes

If you've been searching for a place where you can get information and price quotes on Ohio auto insurance coverage, you've found the right place. You'll find comprehensive information on Ohio's auto insurance requirements. You can also learn about the optional levels of coverage that are available. Once you've determined what types of coverage you need to add to your policy, you can request quotes from several different carriers that are authorized to provide insurance coverage in Ohio.

Ohio Liability Insurance Requirements

Ohio requires that all registered vehicles be covered by minimum levels of liability insurance.  While most other states also require liability insurance, the minimum amounts in Ohio are some of the lowest in the country.  Liability coverage helps to pay for bodily injury and property damage expenses in the event of a motor vehicle accident.  The minimum coverage required for bodily injuries for one person in one accident is $12,500.  For all bodily injuries in one accident, the minimum coverage required is $25,000.  Property damage coverage must be maintained in the minimum amount of $7,500.  Unlike some other states, Ohio does not require motorists to carry uninsured motorist or personal injury protection coverage.

Establishing Financial Responsibility in Ohio

There are alternatives to purchasing liability insurance in Ohio that will allow you to still be in compliance with state auto insurance laws.  You can get a $30,000 bond from a surety company, deposit $30,000 in cash or government bonds with the Ohio State Treasurer, or have a $30,000 bond certificate issued by the Bureau of Motor Vehicles.  However, most residents choose to purchase the liability coverage because it is the most affordable option.

Ohio Proof of Insurance

There is no electronic reporting system for insurance coverage in Ohio.  Whenever proof of insurance is requested, you will need to provide it in one of the following forms: BMV bond certificate, current insurance card, surety bond certificate, BMV certificate that shows that you have a minimum of $30,000 deposited with the State Treasury, or a form 2702 or 2083, which is for first-time driving under the influence offenders. 

Failure to Maintain Insurance Coverage

If you cannot provide proof of insurance to a law enforcement officer, you will receive a written notice that requires you to show proof of insurance in traffic court or send a copy of your proof of insurance to the address given on the written notice.  If you fail to show proof of insurance, your vehicle registration and driver's license will be suspended for 90 days for a first offense and one to two years for subsequent offenses.