Ohio Car Insurance Quotes

The State of Ohio might by home to more mid-sized towns than any other state in the Union: Columbus, Cleveland, Cincinnati, Toledo, Akron and Dayton, to name a few. The “Buckeye State” has become an important industrial giant with its location on Lake Erie. If you plan on driving in the state, make sure to demonstrate your “financial responsibility,” which could include car insurance.

Ohio Motto: “With God All Things Are Possible”

On February 19, 1803, the State of Ohio received its boundaries, constitution and was unofficially added to the Union. Ohio industrial products include plastics, rubber, metals and appliances.

One of the earliest interstate roads was the Ohio “Main Market Route 3,” (Lincoln Highway), which is the present-day US Route 30. Ohio is within a “one-day drive of half of North America’s population,” so make sure that you have the required financial responsibility when you drive in the state.

Minimum Ohio Insurance Coverage

Ohio drivers must maintain financial responsibility in the form of a bond or auto insurance. When you satisfy this requirement, a certificate of financial responsibility will be issued by the Ohio Bureau of Motor Vehicles (OBMV). Ohio minimum insurance coverage levels are as follows:

  • $25,000 for bodily injury or death per person
  • $50,000 for bodily injury or death per accident
  • $25,000 for property damage or destruction

The other option for demonstrating financial responsibility in the State of Ohio is to post a government bond of $30,000 with the Office of the Treasurer. The Ohio Department of Insurance (ODOI) expects you to show your insurance card to law enforcement, if you are pulled over. Ohio uninsured motorists rank 17th worst in the nation.

Select Your County Below to Start the Insurance Quote Process:

Adams County
Allen County
Ashland County
Ashtabula County
Athens County
Auglaize County
Belmont County
Brown County
Butler County
Carroll County
Champaign County
Clark County
Clermont County
Clinton County
Columbiana County
Coshocton County
Crawford County
Cuyahoga County
Darke County
Defiance County
Delaware County
Erie County
Fairfield County
Fayette County
Franklin County
Fulton County
Gallia County
Geauga County
Greene County
Guernsey County
Hamilton County
Hancock County
Hardin County
Harrison County
Henry County
Highland County
Hocking County
Holmes County
Huron County
Jackson County
Jefferson County
Knox County
Lake County
Lawrence County
Licking County
Logan County
Lorain County
Lucas County
Madison County
Mahoning County
Marion County
Medina County
Meigs County
Mercer County
Miami County
Monroe County
Montgomery County
Morgan County
Morrow County
Muskingum County
Noble County
Ottawa County
Paulding County
Perry County
Pickaway County
Pike County
Portage County
Preble County
Putnam County
Richland County
Ross County
Sandusky County
Scioto County
Seneca County
Shelby County
Stark County
Summit County
Trumbull County
Tuscarawas County
Union County
Van Wert County
Vinton County
Warren County
Washington County
Wayne County
Williams County
Wood County
Wyandot County

Penalties for Non-Compliance

“Ohio Statutes 4509.101, Operating of Motor Vehicle Without Proof of Financial
Responsibility” established penalties. The first offense for not having car insurance could lead to a license suspension. There is a reinstatement fee of $100, compliance fee of less than $50 and registrar service fee of $10.

The second offense (within five years of a previous offense) could lead to a license suspension for a year. The court has the freedom to permit the motorist to drive after 15 days of the suspension. There is a reinstatement fee of $300, compliance fee of less than $50 and registrar service fee of $10.

The third offense (within five years of a previous offense) could lead to a license suspension for two years. The court has the freedom to allow the motorist to drive after 30 days of the suspension. There is a reinstatement fee of $600, compliance fee of less than $50 and registrar service fee of $10.

Ohio: “Buckeye State”

So, if you are fond of Buckeyes, then make sure you carry the proper car insurance in the State of Buckeyes. You can fill out the form above for a free quote.