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Insurance in Ohio is not mandatory, but should you wish to obtain it anyway -for your own safety; the minimums are noted below: Coverage Minimum - 12.5/25/7.5. Coverage Explanation - Car insurance coverage in Ohio must provide a minimum of $12,500 for injury liability for one person in an accident, $25,000 for all injuries in an accident, and $7,500 for property damage in an accident. Important Ohio Auto Insurance Laws! 1. The state of Ohio does not require drivers to buy automobile insurance. 2. Ohio law does, however, require you to have a guaranteed way to pay for injuries or damages that result from your negligence. That guarantee is called "proof of financial responsibility". Ohio auto insurance law gives you the three options shown below:

      - Buy at least the state-minimum amount of liability insurance
      - Post a $30,000 cash bond with the state treasurer
      - Post a $60,000 real estate bond with the Ohio Bureau of Motor Vehicles (BMV)
3. Ohio motorists must keep "proof of financial responsibility" (i.e. usually an insurance card) in their vehicles at all times. Click below to find cheap Ohio Auto Insurance Quote.

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