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Ohio Auto Insurance

Living in the Midwest means you’re used to driving past miles and miles of corn and soybeans to visit family, commute, and get to the annual Buckeye game tailgate. If the place you call home is anywhere across the Buckeye State, you’re in luck!

SafeAuto provides cheap car insurance across the state of Ohio that fits your life and budget while maintaining the coverage that meets Ohio’s minimum requirements for an auto policy. Whether you’re looking to start your first policy or switching coverage to SafeAuto, it’s important to make sure you have the state minimum car insurance Ohio requires, especially during deer season.

When it comes to cheap auto insurance in Ohio, get SafeAuto, the insurance for the rest of us. Your 3-minute journey to cheap, hassle-free insurance starts with getting a quote.

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Protect to your ride with Ohio auto insurance from SafeAuto


Drive confidently with Cheap car insurance in Ohio from SafeAuto



Need insurance fast? For cheap car insurance in Ohio, call us at SafeAuto. Our flexible plans and low down payments mean you can select coverage to match your needs and a policy that is unique to you.

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims.

Our insurance follows Ohio law requirements, which are to maintain liability limits of at least:

  • $25,000 | Bodily Injury per Person

    The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.

  • $50,000 | Bodily Injury per Accident

    The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit.

  • $25,000 | Property Damage

    The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.

Proof of Financial Responsibility & Penalties

Ready to start coverage of your car with auto insurance in Ohio? Make sure you understand your state laws. If you need SR-22 insurance to demonstrate financial responsibility compliance, have questions about the penalties for non-compliance, or would like more information about other insurance products in addition to our car insurance in Ohio, please explore our offerings under the insurance tab at

Under Ohio law, you are required to provide documentary proof of Financial Responsibility in the following circumstances:

  • At the request of a law enforcement officer at the time of an accident or traffic stop
  • If you are found guilty of a traffic offense for which a court appearance is required

To ensure drivers continue to meet the Financial Responsibility requirements, the Ohio Bureau of Motor Vehicles (BMV) conducts a random selection process for insurance verification. As part of this process, the BMV mails letters to a random selection of five (5) percent of registered Ohio vehicle and noncommercial truck owners. The letter instructs the vehicle owner that within twenty-one (21) days they must provide proof to the BMV demonstrating Financial Responsibility coverage was in effect on the date specified in the notice.

Penalty for Failure to Comply with Ohio's Financial Responsibility Requirements:

Failure to provide proof of Financial Responsibility, when required, may result in the following penalties imposed by the Registrar of Motor Vehicles:

  • Loss of driving privileges for a minimum of ninety (90) days and up to two (2) years.
  • License plates and vehicle registration suspension.
  • Reinstatement fee:
    • First Violation: $75
    • Second Violation: $250
    • Third and Subsequent Violation: $500
  • Vehicle immobilization and confiscation of plates for thirty (30) to sixty (60) days for violating Financial Responsibility suspension
  • Third and subsequent offenses could result in vehicle forfeiture and a five (5) year suspension of vehicle registrations Driving and registration privileges cannot be restored until all requirements of the suspension have been met.

Certificate of Financial Responsibility (SR-22):

An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the Ohio Bureau of Motor Vehicles providing proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:

  • To reinstate a suspended license after the person fails to pay an accident judgment
  • To reinstate a suspended license after the person fails to maintain proof of Financial Responsibility
  • To reinstate a suspended license after conviction of a major offense

If you are required to maintain a certificate of Financial Responsibility, your insurance company must provide the Bureau of Motor Vehicles with at least ten (10) days advance notice before termination. SafeAuto will only issue an Ohio SR-22 to Ohio residents.

Random Selection Insurance Verification:

If you are randomly selected for insurance verification, you may be exempt from showing proof of Financial Responsibility if you can show:

  • That the vehicle is used on a seasonal basis only and the date specified is out of season for that vehicle
  • That the vehicle is inoperable or has been out of service for a period of at least thirty (30) days immediately prior to the selection date.

Looking for Ohio Auto Insurance

You can get a free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.

SafeAuto offers affordable car insurance throughout the entire Buckeye state! If you are looking for more information about car insurance in a specific Ohio city, more material can be found below:

Related Links:

Ohio Bureau of Motor Vehicles


Flexible plans and affordable state minimum coverage? Now that’s insurance for the rest of us. Have a question for us at SafeAuto? Need to start your policy? Just want to talk? Call us at 1-800-SAFEAUTO to speak to a real person, not a robot, any time or email us at For common questions, please consult our FAQ page.