Ohio Car Insurance Requirements

The state of Ohio follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages.

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In Ohio, you may prove financial responsibility with:

  • $30,000 bond issued by an insurance carrier or authorized surety company.
  • Bureau of Motor Vehicle (BMV) certificate showing you have at least $30,000 in cash or government bonds deposited with the State Treasurer.
  • $30,000 BMV-issued bond certificate, signed by two people owning real estate with an equity of at least $60,000.
  • BMV-issued certificate of self-insurance (only available to those with at least 26 motor vehicles registered in their name or a company’s name).
  • Minimum insurance liability amounts of:
  • $12,500 bodily injury coverage per person.
  • $25,000 bodily injury coverage for an accident involving two or more persons.
  • $7500 property damage coverage

Proof of Insurance:

You’ll need to provide proof of your insurance coverage or other financial responsibility coverage by showing a current insurance identification card or policy.

For more information:

http://www.bmv.ohio.gov/

Ohio Department of Public Safety

Charles D. Shipley Building
1970 West Broad Street
P.O. Box 182081
Columbus, Ohio 43218-2081