Ohio Auto Insurance Information
Ohio requires motorists to carry a minimum of $25,000 per person and $50,000 per accident in Bodily Injury
(BIL) insurance. This coverage helps pay expenses when the insured is responsible for a car accident, like
the medical expenses of the other driver, cyclist or pedestrian. BIL does not pay medical expenses for the
Also required is a minimum of $25,000 in Property Damage Liability (PDL), which pays for damage to the other
when the insured is responsible for the collision. PDL does not cover damage to the insured’s car.
Keep in mind these are the minimum insurance requirements. Serious accidents often end up in far larger medical
expenses and lost wages for the injured party. Once the coverage limits are exceeded, personal assets are at
Ohio does not require uninsured or underinsured motorist insurance, but that is another type of coverage every
driver should consider purchasing. If you are injured in a crash with an uninsured or underinsured driver, this
insurance helps pay your medical expenses.
Collision and comprehensive insurance are not required, but the lender of financed or leased vehicles will
certainly require such coverage.
Technically, Ohio drivers do not have to carry auto insurance per se, although almost all of them do. Ohio
the alternative of posting collateral, such as real estate, or purchasing a financial responsibility bond
to the minimum coverage amounts.
SR-22 Insurance in Ohio
In Ohio, those convicted of drunken driving and other serious traffic offenses must file an SR-22 form with the
Bureau of Motor Vehicles (BMV). An SR-22/bond is a minimum-limit liability insurance policy covering on the
named on the policy. File an SR-22 bond by contacting an insurance company licensed to operate in Ohio, then
applying for and paying for the policy. The SR-22 form is filed by the insurance company, not the individual,
the BMV. The BMV notes that many insurance companies file SR-22 forms electronically, which usually process
72 hours of receipt.
Should the person filing the SR-22 cancel the policy, under Ohio law, the insurance company must contact the BMV
immediately to notify them of the termination
Ohio Driver Statistics
As of 2018, Ohio’s population was 11.7 million, making it the seventh most populous state and the 34th largest
size. It ranks number 10 in population density. Franklin and Cuyahoga Counties contain the most residents.
population growth is lower than the national average.
Ohio’s highway network is the tenth-largest in the country, making it a regional economic hub. A major
state, including automobiles, jet engines, refrigeration and heating equipment, tires and machine tools. The
slogan is “The Heart of It All,” referring to the fact that 50 percent of the national population lies within
miles of Ohio’s borders. Ohio is the birthplace of seven U.S. presidents — Grant, Hayes, Garfield, Benjamin
Harrison, McKinley, Taft and Harding.
Currently, drivers may receive permits at age 16. However, the Ohio Department of Transportation states that 15-
19-year-olds represent 5 percent of Ohio drivers, but are in 15 percent of accidents in the state. Lawmakers are
considering raising the period from which drivers can proceed from permits to driver’s licenses from six months
Ohio Auto Insurance & Accident Facts
According to the Ohio State Highway Patrol, there were 1,094 fatal crashes on Ohio roadways in 2017, an increase
40 such crashes over the previous year. In 2017, 1,179 people died in traffic accidents in the state, up from
fatalities in 2016. Those deaths included 145 pedestrians in 2017 and 140 in 2016. Heavy truck accidents account
116 fatalities in 2017 and 93 in 2016.
Ohio auto insurance premiums are among the lowest in the nation. As of 2018, its auto insurance costs were the
second-lowest in the U.S, after Maine.