Car Insurance Liability Requirements in Ohio
Minimum Liability Limits in OH: 12.5/25/7.5 [ 4]
12.5 Required coverage up to $12,500 for one individual injured in an accident
25 Required coverage up to $25,000 for all persons injured in an accident
7.5 Required coverage up to $7,500 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Ohio
Auto Insurance Coverage Requirements in OH [ 4]
Bodily injury liability coverage Property damage liability coverage Car Insurance Verification Laws in Ohio
Insurer Verification of Auto Insurance in OH [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Insurer must verify randomly selected insurance policies upon request.
Ohio Car Insurance Facts, Estimates & Related Laws
Ohio Car Insurance Facts
Average Car Insurance Rates in OH
Ohio had the 43rd highest auto insurance rates in the nation in 2010.
[ 2] Rates in OH ranked 43rd in the nation in 2009.
[ 2] In 2008, OH had the 42nd highest rates in the country.
Number of Auto Insurance Policies in OH
Ohio ranked 6th in the nation in auto insurance policies in 2011 with a total of 8,100,690.
Uninsured Motorist Rate in OH
The uninsured motorist rate in OH ranked 14th in the nation in 2009.
Ohio Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 185. [ 7]
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect for drivers younger than 18. Secondary enforcement in effect for for texting.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Ohio Automotive Laws
Safety Belt Laws in OH
Safety belt laws have been in place since 1986 and apply to drivers/passengers 8 through 14 in all seats; 15+ years in front seat.
[ 7] Child restraint law in place for 3 years and younger or less than 40 pounds in child restraint; 4 - 7 years who weigh 40 pounds or more and who are shorter than 57 inches in booster seat.
Motorcycle Helmet Laws in OH
Motorcycle helmets required for 17 and younger.
[ 7] Ohio\'s motorcycle helmet use law covers all operators during the first year of licensure and all passengers of operators who are covered by the law. [ 7]
Driver's License Renewal Cycle in OH
Renewal cycle: 4 years
Ohio Automotive Facts
Speed Limits in OH
Rural interstates: 70 mph
[ 7] Urban interstates: 65 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in OH
Ohio cities collectively ranked 6th in the nation in total motor fuel consumption in 2011.
Ohio Licensed Drivers
Licensed Drivers in OH [ 10]
Total Drivers: 7,982,149
OH has the 7th most drivers in the U.S.
Minimum Driving Age in OH [ 5]
Ohio has a minimum driving age of 15 years, 6 months.
Ohio Auto Registrations
Auto Registrations in OH [ 8]
Registered Cars: 5,412,188
Registered Trucks: 4,386,240
Registered Motorcycles: 390,522
Total Registrations: 10,217,277
Rank: Ohio ranked 7th in the United States in total auto registrations in 2011.
Additional information about Ohio
Ohio has a population of approximately 11,536,504, which ranks 7th in the U.S. among all states.
More about Ohio auto insurance
For more information about auto insurance in OH, or for additional resources regarding
Ohio car insurance, visit the Ohio Department of Insurance.
Did you know?
Of all U.S. states,
Mississippi had the highest uninsured motorist rate (28 percent) when last measured.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration