Ohio Auto Insurance Requirements: Minimum Coverage (2025)

Quick Answer: Ohio Minimum Auto Insurance

Ohio requires all drivers to carry liability insurance. The state-mandated minimums are:

This is commonly written as 25/50/25. Ohio also requires you to carry proof of financial responsibility whenever you drive, and the state actively monitors insurance compliance through its FILS (Financial Responsibility Random Verification) system.

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What Ohio Law Requires

Under Ohio Revised Code Section 4509.101, all vehicle owners must:

1. Maintain liability insurance at or above state minimums
2. Carry proof of insurance at all times while operating a vehicle
3. Provide proof to law enforcement upon request
4. Respond to FILS verification requests within 30 days

Understanding 25/50/25 Coverage

Bodily Injury Liability - $25,000/$50,000

This covers injuries you cause to other people in an accident:

• $25,000 maximum per injured person
• $50,000 maximum per accident (total for all injured persons)
• Pays for medical bills, lost wages, and pain and suffering
• Does NOT cover your own injuries

Property Damage Liability - $25,000

This covers damage you cause to others' property:

• Other vehicles you hit
• Buildings, fences, guardrails
• Personal property inside other vehicles
• Does NOT cover damage to your own vehicle

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Why Ohio Minimums May Not Be Enough

While Ohio's minimums are higher than some states, they still fall short in serious accidents:

Real-World Cost Comparison

Personal Liability Risk

If you cause damages exceeding your policy limits:

1. Insurance pays up to your coverage maximum
2. You're responsible for the remainder
3. Injured parties can file a civil lawsuit
4. Courts can garnish your wages
5. Liens can be placed on your property
6. Judgments in Ohio last up to 21 years

Example: You cause a two-car accident with three injured people totaling $90,000 in medical bills and $40,000 in vehicle damage.

• Total damages: $130,000
• Your 25/50/25 pays: $75,000 max
• You owe: $55,000 personally

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Penalties for Driving Uninsured in Ohio

Ohio enforces mandatory insurance through the Bureau of Motor Vehicles (BMV):

First Offense

Second Offense (within 5 years)

Third and Subsequent Offenses

FILS Verification System

Ohio randomly verifies insurance through the FILS program:

• Random selection of registered vehicles
• 30 days to respond with proof of coverage
• Failure to respond results in suspension
• False claims carry additional penalties

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Recommended Coverage for Ohio Drivers

Insurance professionals recommend higher coverage than state minimums:

Good Protection: 50/100/50

Better Protection: 100/300/100

Additional Coverages to Consider

Uninsured/Underinsured Motorist (UM/UIM)

• Protects you when hit by uninsured drivers
• Approximately 12% of Ohio drivers are uninsured
• Ohio law requires insurers to offer this coverage
• Must sign a written rejection if declining

Medical Payments (MedPay)

• Covers your medical bills regardless of fault
• Pays immediately without waiting for claim resolution
• Common limits: $5,000-$25,000

Collision Coverage

• Repairs your vehicle after accidents
• Required if you have a car loan or lease
• Subject to deductible ($250-$1,000)

Comprehensive Coverage

• Covers theft, vandalism, weather damage, animal strikes
• Important for Ohio's winter storm damage
• Subject to deductible

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Ohio-Specific Insurance Rules

Proof of Insurance Requirements

Ohio accepts several forms of proof:

Physical documents:

• Insurance ID card
• Policy declarations page
• Insurance binder (for new policies)

Electronic proof:

• Digital insurance card on smartphone
• Email or PDF of insurance documents
• Insurer mobile app display

FILS Random Verification

Ohio's Financial Responsibility Random Verification program:

1. BMV randomly selects registered vehicles
2. Owner receives verification request letter
3. Must respond within 30 days
4. Can verify online, by mail, or by phone
5. Failure triggers automatic suspension

Insurance Cancellation Rules

When your insurance is cancelled or lapses:

• Insurer must notify Ohio BMV within 10 days
• BMV sends notice to vehicle owner
• Must provide new proof of insurance
• Registration suspended if no response
• Reinstatement requires proof + fee

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SR-22 Requirements in Ohio

Some drivers must file an SR-22 certificate:

When SR-22 Is Required

• OVI/DUI conviction (Operating Vehicle Impaired)
• Driving without insurance violation
• Multiple traffic violations
• At-fault accident while uninsured
• License reinstatement after suspension

SR-22 Details

Maintaining SR-22

• Must maintain continuous coverage for entire period
• Any lapse restarts the 3-year clock
• Insurer notifies BMV if policy cancels
• Suspension reinstated if SR-22 lapses

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How Much Does Ohio Auto Insurance Cost?

Average annual premiums in Ohio:

Factors affecting your rate:

• Age and driving experience
• Driving record (OVIs, tickets, accidents)
• Location (Cleveland/Columbus more expensive than rural)
• Vehicle make, model, and year
• Credit-based insurance score
• Annual mileage
• Coverage levels and deductibles

Ohio typically has lower-than-average auto insurance rates compared to the national average.

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Frequently Asked Questions

Is car insurance required in Ohio?

Yes. Ohio law requires all vehicle owners to carry minimum liability insurance of 25/50/25. Driving or owning a registered vehicle without insurance results in license and registration suspension.

Can I drive in Ohio with out-of-state insurance?

Yes, if you're visiting. Your valid out-of-state policy covers you in Ohio. However, if you become an Ohio resident, you must register your vehicle and obtain Ohio-compliant insurance within 30 days of establishing residency.

Does Ohio require uninsured motorist coverage?

No, but insurers must offer it. You must sign a written rejection to decline UM/UIM coverage. Given Ohio's uninsured driver rate of approximately 12%, this coverage is highly recommended.

What happens if I get pulled over without insurance?

The officer may issue a citation for failure to show proof of financial responsibility. You'll need to appear in court with proof of insurance. If you were actually uninsured, you face license suspension and fines. If you had insurance but no proof, charges may be reduced or dismissed with documentation.

How does Ohio verify I have insurance?

Ohio uses the FILS system to randomly verify insurance on registered vehicles. You may receive a verification request by mail requiring response within 30 days. Insurers also report policy cancellations directly to the BMV.

What's the penalty for driving without insurance in Ohio?

First offense: Up to 90-day license/registration suspension and $100 reinstatement fee. Second offense: 1-year suspension, $300 fee, and SR-22 requirement. Third offense: 2-year suspension and $600 fee. Additional criminal charges may apply in accidents.

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Key Takeaways

• Ohio requires 25/50/25 minimum liability coverage
• State minimums may not cover costs in serious accidents
• Recommended coverage: At least 50/100/50 with UM/UIM
• FILS system randomly verifies insurance compliance
• Driving uninsured causes license and registration suspension
• SR-22 required for OVI, uninsured violations, and multiple offenses
• Ohio rates are typically below the national average

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Important Disclaimer

This guide provides general information about Ohio auto insurance requirements based on publicly available sources. This is not legal or insurance advice. Requirements can change, and individual circumstances vary.

Always verify current requirements with the Ohio BMV and Ohio Department of Insurance. Consult with a licensed insurance professional for advice specific to your situation.

Last verified: December 2025

Sources: Ohio Bureau of Motor Vehicles, Ohio Revised Code, Ohio Department of Insurance