Understand Ohio minimum liability requirements so you can stay legal and drive safely. We provide Ohio car insurance law and regulation information.
Ohio car insurance laws are mandatory, but very simple and specific. Learn how to comply with Buckeye State rules and regulations, required liability limits, and also pay lower auto insurance rates through our website. We summarize the important facts so you can drive safely and legally. The law says you have to pay for accidents you cause, and we explain how to stay financially responsible as inexpensively as possible. It is illegal to drive a vehicle without insurance, or to allow another driver operate the vehicle without coverage.
It is not legal to drive your vehicle without being “financially responsible” or maintaining the proper insurance. It is also not legal to allow another driver operate your uninsured vehicle. You must either purchase a conventional policy or secure a certificate of financial responsibility (rarely used). Your ID card should always accompany you and/or the vehicle. However, if you don’t have proof of coverage at the time of a traffic stop, you will have the opportunity to present the ID in court or when you pay the fine.
Your carrier can easily email, fax, or send you a copy of a declarations page or ID card. Minimum vision requirements include 20/40 vision for an unrestricted driver. 70 degrees of side vision for each eye is also required. Class D, motorcycle, and motorized bicycle requirements slightly vary. Since your vision can rapidly change, vision exams are recommended every two years. Often, prescription glasses may be required to be worn while you drive. Failure to drive with required glasses or contacts can result in a fine.
When you purchase coverage, you will be asked to select your “liability limits”. The previous minimum amounts (bodily injury limits of $12,500 per person, $25,000 per occurrence and $7,500 of property damage) have been increased to $25,000/$50,000/$25,000. Optional medical payments benefits will also be offered along with uninsured motorists protection and other additional riders. Electing higher limits is financially responsible, and could ultimately save you thousands of dollars in potential out-of-pocket costs. The cost of increasing bodily injury and property damage limits is typically nominal.
Typically, policyholders can increase or decrease their liability limits and property damage limits at any time. Leased vehicles may require increasing existing limits. $100,000/$300,000/$50,000 is typically the minimum allowed limit.When purchasing an excess-liability umbrella rider, increased limits may also be required. It’s possible that $250,000/$500,000/$100,000 limits may be required. Multiple rental properties and/or youthful drivers can result in a higher premium.
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