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Car Insurance Liability Requirements in Ohio
- Minimum Liability Limits in OH: 12.5/25/7.5 [4]
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- 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]
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- Bodily injury liability coverage
- Property damage liability coverage
Car Insurance Verification Laws in Ohio
- Insurer Verification of Auto Insurance in OH [4]
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- 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
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- 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. [2]
- Number of Auto Insurance Policies in OH
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- Ohio ranked 6th in the nation in auto insurance policies in 2011 with a total of 8,100,690. [1]
- Uninsured Motorist Rate in OH
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- The uninsured motorist rate in OH ranked 14th in the nation in 2009. [3]
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
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- 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. [7]
- Motorcycle Helmet Laws in OH
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- 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
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- Renewal cycle: 4 years [7]
Ohio Automotive Facts
- Speed Limits in OH
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- Rural interstates: 70 mph [7]
- Urban interstates: 65 mph [7]
- Other roads: 55 mph [7]
- Motor Fuel Consumption in OH
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- Ohio cities collectively ranked 6th in the nation in total motor fuel consumption in 2011. [9]
Ohio Licensed Drivers
- Licensed Drivers in OH [10]
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- Total Drivers: 7,982,149
- Female: 4,118,031
- Male: 3,864,118
- OH has the 7th most drivers in the U.S.
- Minimum Driving Age in OH [5]
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- 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
About Ohio
Ohio has a population of approximately 11,536,504, which ranks 7th in the U.S. among all states. [6]
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.
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
