Helpful agents are standing by: (614) 347-1724
Press play below to listen to our audio commercial:

Requirements You Must Comply When Getting Auto insurance in Ohio

The easiest plan to meet Ohio auto insurance requirements is obtaining car liability coverage. Ohio state law on insurance requires that every resident in Ohio who own a car to have a protection coverage of $12500 for injury coverage on a person. If more than two people suffer bodily injuries in any given road accident, Ohio car owners must have a minimum insurance coverage of $ 25000. Property damage in car accidents in Ohio is covered by $7500. To be fully protected, Ohio residents are required to buy relatively higher car insurance coverage rather than sticking to minimum requirements.


Although auto insurance requirements in Ohio states that every Ohio resident must have the minimum auto insurance, it’s not compulsory that everyone gets his car insured. However, for residents who do not want to have auto insurance in Ohio, the law requires such residents to provide full financial proof of their financial capability of meeting damages in case an accident happens. This prove assures the state Department of Motor Vehicles that you are capable of taking financial responsibility in case you are involved in an accident in OH. Financial proof may be provided through:

•             Producing a car insurance bond of $30000 from a reputable auto insurer in Ohio.

•             Producing an auto insurance certificate from your Ohio insurance agent stating your ability to meet damage costs.

•             You can deposit $30000 with Ohio state treasurer and get a Bureau of Motor Vehicle certificate. However, this certificate should have signatories of two Ohio residents with real estate’s valued at $60000.

Most of the states in US have technological insurance systems that show whether their residents have motor vehicle insurance covers. This makes it very easy for insurance authorities to tack uninsured drivers in their states and take legal actions against them. However, Ohio has no such technological system which makes detecting uninsured residents very difficult. In this case, Ohio residents are required to provide auto insurance policies to the law enforcers from time to time for verification purposes. A resident may thus be required to produce his auto insurance identification card or the policy, whichever is available.

Accordingly, Ohio residents who fail to provide these documents to the state insurance officers face legal penalties for violation of auto insurance act. If an Ohio resident fails to produce this proof, a documented notice is sent to the car owner. The documented note requires the resident to avail him/herself to the state traffic court together with auto insurance proof. A copy of the resident insurance is also sent to the state BMV for verification.

Actually, Ohio Bureau of Motor Vehicle simply sends random letters to residents to present their insurance documents. The written document has a detailed step by step process on how to comply with the verification process. Actually, to avoid many troubles with Ohio law enforcers, obtaining cheap auto insurance in Ohio can be the best option. By just entering your code at the top of this page, you can receive several car insurance quotes for free and have your car fully covered.