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.


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:


Ohio Department of Public Safety

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