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The General® is pleased to provide auto insurance in Ohio.  We offer low cost auto insurance online even if you have a less than perfect driving record, have never been insured before, have let your policy lapse, or have had your auto insurance coverage suspended or revoked.

We’ve provided some information below that we hope will be helpful in answering some of the more common questions we’ve received from our customers.

Mandatory Minimum Level of Coverage

Ohio’s Financial Responsibility (FR) Law requires every driver to have a guaranteed way to pay for injuries or damages resulting from driving negligence.  That guarantee is called “proof of financial responsibility.” The statutory minimum limits of liability insurance in Ohio are:

Bodily Injury

- $25,000 for the death or injury of any one person, any one accident
- $50,000 for all persons in any one accident

Property Damage

- $25,000 for any one accident

Frequently Asked Questions Regarding Ohio Auto Insurance

What happens if I drive without Financial Responsibility (FR)?

If you are caught driving without FR, the penalties can include:
- Suspension of driver’s license for a minimum of 90 days and up to two years
- Impoundment of your license plates and/or your automobile
- Court costs
- No driving privileges during suspension

Why is my Insurance I.D. Card Important?

Ohio Law requires you to show your insurance I.D. card to any police officer who stops you for a traffic violation or safety check.  You should also take your card to court if you’re cited for a traffic ticket or have been in an accident.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Ohio Department of Insurance
Ohio Bureau of Motor Vehicles
The Official State of Ohio Website
Ohio Department of Transportation