Ohio Car Insurance

Looking to buy car insurance in Ohio?

Ohio is home to many amusement parks, but before you can drive to one, you're going to need auto insurance. If you're buying a new car, getting a rate comparison quote or just looking to switch auto insurance companies, GEICO will provide you all the information you need to make a decision that's right for you. And don't forget, you can start your Ohio auto insurance quote online.

According to The Ohio Department of Transportation (ODOT), all drivers must have auto insurance. If you're caught driving without insurance, you could lose your license. Ohio performs random insurance verification by mail requiring that drivers prove that they carry insurance coverage within 21 days.

Required Coverage In Ohio

The following coverage is required by the state of Ohio to legally operate a motor vehicle:

  • Bodily injury liability coverage: Minimum legal requirement of $25,000 per person and $50,000 per accident
  • Property damage liability coverage: Minimum legal requirement of $25,000 per accident

Auto Insurance Coverage: The Importance Of Avoiding A Lapse

If you let your car insurance lapse and you are caught driving, you may lose your license for 90 days on your first offense. On a second offense, you may lose your license for a year. After a second offense, you may lose your license plates and registration, and may have to pay a reinstatement fee ranging from $75-$500. Your vehicle may also be subject to impoundment and auction.

Ohio Teen Driving Laws: What Parents Should Know

GEICO offers a discount to teen drivers who maintain good grades, and Ohio has several restrictions for teenage drivers as they learn the rules of the road. Six months after a teenager's 15th birthday, he or she is able to apply for a learner's permit. A teen permit-holder under the age of 16 may only practice with a parent or guardian, while a teen permit-holder over the age of 16 may practice with any licensed driver over the age of 21.

Before applying for a license, a teen driver under the age of 18 must complete a driver training course consisting of classroom instruction, day driving, and night driving experience. A licensed teen under the age of 18 may carry only 1 passenger, and cannot drive between midnight and 6:00 AM. These restrictions are lifted when a teen reaches 18 years of age.