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Cheap Car Insurance In Ohio

If the place you call home is anywhere across the Buckeye state, you’re in luck! SafeAuto provides cheap auto insurance in Ohio that fits your life and budget while maintaining the coverage that meets the Buckeye State’s minimum requirements for an auto policy. Whether you reside in one of Ohio’s small towns or one of Ohio’s largest cities, SafeAuto has got you covered with an affordable car insurance policy with 24/7 access to our customer service team. Start your fast and free car insurance quote online, and join the SafeAuto family today!

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Required minimum auto insurance coverages in Ohio

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. They are typically expressed as three amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000

Ohio law requires you to maintain liability limits of at least: 

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.

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.

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


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 cheap auto insurance in Ohio? 

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 Ohio car insurance throughout the entire Buckeye state! If you are looking for more car insurance information in a specific city across the state of Ohio, more material can be found below.

Related Ohio Insurance Requirement Information:

Ohio Bureau of Motor Vehicles

SafeAuto loves to save you money on your car insurance. That’s why SafeAuto is the Insurance for the Rest of Us. We’d be happy to have you be a part of the SafeAuto family while you’re enjoying the road ahead!

If you have any further car insurance questions please visit our FAQ page or contact the SafeAuto Customer Service Department at