In Ohio, it's illegal to drive any motor vehicle without insurance or other financial responsibility (FR) coverage. It is also illegal for the owner of a motor vehicle to allow another person to drive the owner's vehicle without FR coverage. Yes, car insurance is a must in Ohio. All drivers in Ohio must have liability coverage for bodily injury and property damage in their insurance policies.
A car owner cannot allow another person to drive their vehicle unless they have insurance. You may be asked to show proof of insurance at traffic stops, at accident scenes, and at vehicle inspections. In addition, comprehensive coverage or a storage insurance policy for a car in a private garage is still recommended. However, before you buy car insurance, it's important to understand Ohio's car insurance requirements so that you can make sure you meet them.
While cars are never allowed on the road without insurance, there are some situations where you can be left without car insurance. The easiest way to find affordable car insurance in Ohio is to compare quotes from several insurance providers online. Both states allow drivers to be left without auto insurance coverage unless they recently caused an accident or committed a serious traffic violation. If you drive in Ohio without insurance and have an accident, you are likely to receive a citation for driving without insurance and face the penalties described above.
Here's all the information you'll need to make an informed decision about buying car insurance in Ohio. If a law enforcement officer stops you at a traffic stop, they will ask for proof of car insurance. This means that the person who was at fault for the car accident is responsible for compensating all people who were injured as a result of the accident (although, in practice, the at-fault driver's insurance company would normally cover these damages, up to the limits of the policy). When an existing car insurance policy expires or is canceled, the insurer notifies the DMV, which will then ask you to submit proof of insurance within a specified period of time.
Keep in mind that the minimum amount of car insurance required in your state may not provide the levels of coverage you need. Or, if you cancel your insurance coverage, your insurance company will report it to the Ohio Office of Motor Vehicles (BMV). Before you get behind the wheel in Ohio, find out how much auto insurance the law requires and the penalties you could face if you don't meet the requirements. Causing an accident without the financial safety net of an auto insurance policy also leaves you vulnerable to legal lawsuits.
With that in mind, WalletHub has ranked the cheapest car insurance companies for drivers with accidents, for your convenience.