Ohio Insurance Requirements: What Every Driver Should Know
When it comes to driving in Ohio, having the right auto insurance isn’t just a smart decision- it’s the law. Whether you’re a new driver or a longtime resident, understanding Ohio’s insurance requirements can help you stay protected and avoid penalties. Are you covered properly? Here’s what you need to know.
Minimum Auto Insurance Requirements in Ohio
Ohio is an at-fault state, which means if you’re found responsible for an accident, you’re also financially liable for any resulting damages. To help ensure all drivers are able to cover these costs, Ohio law requires every motorist to carry minimum liability insurance.
As of 2025, the required minimum coverage limits in Ohio are:
-$25,000 for bodily injury or death of one person in an accident
-$50,000 for bodily injury or death of two or more people in an accident
-$25,000 for property damage per accident
This is often abbreviated at 25/50/25 coverage.
What does Liability Insurance Cover?
Liability insurance covers damages you cause to others in an accident. That includes:
-Medical expense for other drivers, passengers, or pedestrians
-Repair or replacement costs for another person’s vehicle or property
-Legal defense costs if you’re sued after an accident
However, liability insurance does NOT cover your own injuries or vehicle.
Optional But Recommended Coverages
While Ohio doesn’t require more than liability coverage, many drivers choose to add optional protections:
-Collision Coverage: Covers damage to your car from a crash, regardless of fault
-Comprehensive Coverage: Protects against theft, fire, vandalism, or weather damage
-Uninsured/Underinsured Motorist Coverage: Helps if you’re hit by someone who lacks insurance
-Medical Payments Coverage: Pays for medical expenses for you and your passengers
Proof of Insurance Requirements
Ohio drivers must carry proof of insurance and show it when:
-asked by law enforcement
-registering or renewing a vehicle registration
-involved in an accident
-requested by the BMV (Ohio Bureau of Motor Vehicles)
Penalties for Not Having Insurance
Driving without insurance in Ohio can result in:
-License suspension
-Reinstatement fees
-Possible vehicle impoundment
-SR-22 requirement (a form of high-risk insurance certification_
-Fines and court costs
Final Thoughts
Ohio’s auto insurance laws are designed to protect everyone on the road= but the minimum coverage may not always be enough. Speak with a licensed insurance agent to explore additional options that better protect you and your vehicle!
---- Need help choosing the right coverage? Contact Sullivan Insurance today for a free policy review!