Ohio Auto Insurance

"Being insured is the law in Ohio"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the state of Ohio.

• What does the law say pertaining to minimum insurance coverage in Ohio?

Ohio has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Ohio, you can obtain your learner’s permit at fifteen and a half, and your restricted license at sixteen, with a full license at eighteen.

To adhere to Ohio's auto insurance rules, you must...

In Ohio, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Ohio requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Ohio, you must have third party liability insurance for bodily injury with each person allowed $12,500.00, up to maximum of $25,000.00, as well as an additional $7,500.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Ohio, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Ohio:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Ohio.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Ohio

Auto Insurance FAQ

Question: cheap ohio auto insurance?
hi! does anyone know what some of the cheapest auto insurance companies are in ohio?

Answer: There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued. Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can. In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators! Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem! Good luck, drive RESPONSIBLY and I hope this helps!

Question: What are the implications for parents (in Ohio) who add a teenage son to their auto insurance policy?
I have a 16 year old step son who is anxious to learn how to drive. Before I put him behind the wheel and add him to our policy, I want to gather some facts on how doing so will affect our (my husband & my) clean records. Will his low gpa (grade point average) be a reflection on the policy as a whole? How will any violations he has impact our records and credit ratings? My husband and I are planning on building a house in a year or so and would like to know specifically what kind of risks we are assuming - insurance rating, credit rating and otherwise - so that we don't jeopardize are own hard work because of his negligence! Thanks!

Answer: ok as far as his low gpa that is what some insurance companies use to give students a discount(high gpa).if he has an accident it will not affect your or your husbands personal driving recors but will affect the cost of your insurance as long as he is in the household(raise it). also by just putting him on it it will raise as he is an inexperinced driver and assigned to the high risk section of the insurance policy.your credit wont be affected as long as you make allthe payments on time.the violations will only go on his license but they will affect your policy(insurance) as long as he is in the household and has access to the vehicle.it is always a gamble to put teens on you r insurance but most cannoyt afford it on their own.your policy will go up.

Question: in the state oh ohio is it possible for an adult to get auto insurance with temps?
If so where???

Answer: if you're talking about a temporary license, it may be possible but not required. My son has temps and he doesn't have to have insurance until he gets his actual license. We are in Ohio.

Question: ceapest full coverage auto insurance in ohio?

Answer: A number of factors can affect the cost of your automobile insurance. Age, make and model of car, driving record, purpose the car serves, where you keep and drive your car, and your credit rating all affect insurance rates. Ways to lower your rates: There are a number of things you can do to lower your rates. Here are some tips: 1) Choose an automobile that is inexpensive to insure. 2) Ask your insurer if they offer any discount plans. Most insurance companies have both vehicle and operator discounts. 3) Raising your deductible can lower your premiums. Make sure you can afford a higher deductible. 4) It pays to shop around. You can often find policies that vary hundreds of dollars for the same coverage on the same car. Try an online service that will give you multiple quotes from top companies. 5) Drive defensively. 6) Improve your credit history. Cheap car insurance is best found by investing time, educating yourself and comparison shopping. To get multiple quotes at once from top companies go to: http://www.insureme.com/landing.aspx?Refby=614994&Type=auto (91% report saving money after getting multiple quotes) You will get multiple quotes from top companies such as Farmers, Allstate, State Farm & many others. Once again, shop around, get multiple quotes, and learn all you can about a policy before you buy car insurance. Ron @ InsureMe

Question: What is the best insurance company to get auto and home through in Ohio?
I want to get them both through the same company because they give you discounts rates. The insurance will be for two cars and include my wife on the account. Is there an easy place to compare rates?

Answer: We had Allstate for several years and when we purchased our new home and car, we decided to compare rates. Allstate was the highest. Nationwide was okay, but they required a membership to the Farm Bureau to get their rates??!!?? We went with State Farm. We got more coverage for less money than any other place we compared.

Question: What happens in the state of Ohio if someone gets into an auto accident without insurance?

Answer: judging by the nature of your question i am guessing that you or someone you know has been or is in this situation. well, the answers are not easy. if the accident was your fault you can expect to be not only prosecuted by the state but also by the other persons insurance company. the state will take your license for an undetermined amount of time. anywhere beween 90 days to a year or more. if the accident was not your fault then the other persons insurance company will have to pay for your damages including medical bills. but this does not mean that the state will not pursue legal action against you for failure to maintain financial responsibility. remember when you went to purchase your plates you had to sign a form stating that you would not drive without insurance. so if this is the case then you are in a world of sh*t. the only way you will get your license back when the smoke clears is to carry an sr-22 bond and high risk insurance which you must maintain for a minimum of 5 years. now if this is scaring you it should. driving without insurance is like poking a crocodile with a stick----sooner or later something bad will happen. good luck.

Question: live in ohio had auto accident i was not cited the other guy ran red light and wasspeeding my insurance was no
my insurance was not in effect will i be liable for his damage?or is he liable for mine he has insurance in effect devastated in ohio

Answer: The other guy is legally liable for your damages. You do not need an attorney as someone has suggested. Call his carrier and file a claim. If you were not injured, don't start claiming injuries. You are walking a fine line not having insurance in the first place. Take what you can get, don't be greedy.

Question: Can you exclude your husband from auto insurance if his License is Suspened in Ohio And you live in Ohio?

Answer: You can always exclude people from your insurance if they are not going to drive the car. The key words here are "NOT going to drive". Just call up the insurance company and inform them that he needs to be taken off the policy because he is not going to be driving.

Question: I had No Fault insurance in Mich. The guy who hit me is from Ohio.Do I have any recourse for cost of my auto?
I didn't understand the no fault law and I believed that if another driver were at fault, their insurance would cover my costs. Clearly this is not the case. Because the driver who made an illegal left turn and totalled my car was from Ohio, is there anything that I can recover from his insurance for cost of my vehicle, or am I just out of luck because Michigan's law sucks?

Answer: Yup... MI laws suck! It's the only state I know of where No-Fault DOES apply to property damage! I have no idea why that law passed. I don't know MI auto laws very well but I think your limited to collecting about $300 from the other party. You need to have collision insurance on your own vehicle to collect any more. My recommendation... move, if you live in MI. :)

Get Insurance for another state/province