Ohio Car Insurance Laws and Requirements

What are the car insurance requirements in Ohio?

Car insurance is required in Ohio. In order to register your vehicle and drive it on public streets, you must carry at least liability insurance.

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If you have a car registered in Ohio, you must have proof of insurance to drive legally on state roads.

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The Ohio Department of Motor Vehicles (BMV) requires drivers to have insurance to legally drive on public roads anywhere in the state.

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Under Ohio law, drivers are required to carry car insurance or proof of financial responsibility.

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ohio car insurance laws

What are the factors that affect car insurance rates in Ohio?

Each state’s minimum liability laws also impact your insurance rates. In Ohio, drivers have to pay 25/50/25 liability limits, which is lower than in other states.

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State fault laws: Ohio’s insurance is at-fault, which means that your car insurance costs are a bit cheaper.

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What are the minimum coverages for car insurance in Ohio?

According to Value Penguin, Ohio drivers pay an average of $463 per year for minimum coverage.

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Ohio only requires one type of insurance to legally drive: Liability insurance. However, people often need more than the state-required minimum auto insurance. If you cause an accident, liability insurance doesn’t pay for any damage to your own vehicle.

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What is the minimum allowed insurance in the state of Ohio?

Ohio’s car insurance laws are similar to those of other states, requiring drivers to purchase bodily injury and property damage liability insurance. The state has outlined the minimum coverage amounts you need to obtain legal insurance, detailed below.

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What are the reasons why car insurance rates are increasing in Ohio?

Because of Ohio’s strict driving safety laws, many drivers may believe they have the best insurance rates compared to other states. However, even if a driver has a great insurance rate, there are ways to improve on their rates.

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