Frequently Asked Questions

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Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?
To keep the car insurance you have from your previous state of residence, contact your insurance company provider and inquire whether they offer their services nationwide or locally. If they are a nationally-recognized insurance provider, then you will have no problem transferring your car insurance from state to state. However, if you have a local insurance provider that is restricted to only local residents and vehicles, then you will have to cancel your car insurance and obtain a new one that is eligible within your new state of residence. It is recommended to contact the DMV in your new state of residency in order to inquire about options pertaining to car insurance within the state.

For more information: Ohio Auto Insurance – Get a Quote and Save

Do I need to cancel my insurance if I am moving to another state?
In order to figure out if you will need to cancel your car insurance if you are moving out ofstate, you will need to directly contact your insurance company provider. Depending on which company you have obtained coverage with, you may be allowed to transfer your car insurance to the new state you are moving to. However, there are some car insurance companies that are restricted to Ohio drivers and vehicles only, and you will not be able to transfer the coverage out of state. It is recommended to contact the DMV in your new state of residency in order to inquire about options pertaining to car insurance within the state. Additionally, it is important to inquire about your new state s minimum liability coverage requirements to make sure you purchase the correct type of coverage.

For more information: Ohio Auto Insurance – Get a Quote and Save

How can I avoid a license suspension if I choose not to insure my vehicle?
All licensed drivers in the state of Ohio are required to have car insurance that meets the minimum liability requirements in accordance to Ohio state laws. The minimum liability coverage requirements include bodily injury liability and property damage liability. If you fail to meet these requirements, you face drivers license suspension and are subject to additional penalties. Other penalties include losing your license plate and losing your vehicle registration. In order to reinstate the aforementioned documents, you will need to purchase and maintain minimum liability coverage requirements. You will also be subject to paying any applicable reinstatement fees that may vary.

For more information: Ohio Auto Insurance – Get a Quote and Save

If I have been in an accident, what property damage do I have to report?
Ohio state law requires all drivers who have been in an accident to report all damages to the OH BMV. You are required to provide your name, address and vehicle registration number to all the parties involved in the accident. OH drivers must report all accident damages to their car insurance providers in order to make claims for financial coverage.

Minimum insurance requirements in Ohio include bodily injury liability and property damage liability. If someone was injured or if there was at least $400 in property damage and the driver or owner of one of the vehicles involved in the car accident doesn t have car insurance coverage, you are required to file a crash report with the OH BMV.

For more information: Ohio Auto Insurance – Get a Quote and Save.

If I live outside of the state for half the year, am I still required to have car insurance?
In the state of Ohio, all licensed drivers are required to have car insurance that meets the minimum liability requirements in accordance to Ohio state laws. The minimum liability coverage requirements include bodily injury liability and property damage liability. If you live outside of Ohio for half the year but own and operate a vehicle in Ohio, you are still required to meet the minimum liability coverage requirements. If you fail to meet these requirements, your license will be suspended and you are subject to additional penalties. Other penalties include losing your license plate and losing your vehicle registration.

For more information: Ohio Auto Insurance – Get a Quote and Save

If I own multiple vehicles, am I required to have them all insured?
All Ohio residents must carry proof of financial responsibility if they wish to legally operate a motor vehicle within the state. This means that if you have more than one vehicle, you must get car insurance for each vehicle. Luckily, many OH insurance companies offer discounts for insuring more than one vehicle on the same insurance policy. Check with your insurance company to find out if the multi-car discount is available and if you are eligible for it. Also, when choosing a car insurance provider and checking car insurance quotes, make sure to look for insurance companies that offer the multi-car discount.

For more information: Ohio Auto Insurance – Get a Quote and Save

What is the minimum liability insurance coverage?
In the state of Ohio, drivers are required to meet minimum liability car insurance coverage requirements in order to legally own and operate a vehicle. The minimum required liability insurance coverage includes:
  • Bodily Injury Liability Coverage: minimum $25,000 per person, $50,000 per accident
  • Property Damage Liability Coverage: minimum $25,000

However, it is recommended to purchase more coverage than Ohio s minimum requirements so that you mayprotect yourself and your assets fully in the event of a serious accident.

In order to determine how much coverage you should purchase, calculate the approximate value of your assets. Not having enough insurance coverage in the event of an accident grants the victim the right to take any of your assets they choose in order to cover costs for damages that may occur.

For more information: Ohio Auto Insurance – Get a Quote and Save

What proof of insurance can I provide when registering my car?
Ohio state law requires all licensed drivers to provide proof of car insurance if involved in an accident or stopped by local law enforcement. You can show proof of car insurance coverage with the OH Bureau of Motor Vehicles by presenting any of the following documents:
  • Insurance policy
  • Insurance Identification Card
  • Surety Bond in the amount of $30,000
  • BMV Certificate for money or government bonds in the amount of $30,000

For more information: Ohio Auto Insurance – Get a Quote and Save

What type of car insurance am I required to have?
In the state of Ohio, you are required to have a minimum amount of liability car insurance to legally own and operate vehicles within the state. The two mandatory types of insurance include:
  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage

However, it is recommended to purchase additional coverage such as:

  • Medical payments
  • Uninsured Motorist Bodily Injury

Drivers who have recently purchased new vehicles that are being financed through separate parties may be required to apply for full coverage car insurance depending on their financing agreement.

For more information: Ohio Auto Insurance – Get a Quote and Save

What will happen if I fail to get or keep car insurance?
Ohio residents who opt out of getting car insurance and still plan to operate a motor vehicle within the state are subject to face certain penalties. Drivers who fail to meet the minimum liability coverage requirements will have their drivers license suspended immediately. Other penalties include losing their license plate and losing their vehicle registration. In order to reinstate the aforementioned documents, drivers will need to purchase and maintain minimum liability coverage requirements, which include bodily injury liability and property damage liability. They will also be subject to paying any applicable reinstatement fees that may vary.

For more information: Ohio Auto Insurance – Get a Quote and Save

Which types of vehicles need to be insured?
In the state of Ohio it is required for all motor vehicles registered within the state to have adequate car insurance by the owner to be legally operated. The required types of insurance and minimum required liability coverage include:
  • Bodily Injury Liability Coverage: minimum $25,000 per person, $50,000 per accident
  • Property Damage Liability Coverage: minimum $25,000

You can show proof of car insurance coverage with the OH Bureau of Motor Vehicles by presenting any of the following documents:

  • Insurance policy
  • Insurance Identification Card
  • Surety Bond in the amount of $30,000
  • BMV Certificate for money or government bonds in the amount of $30,000

For more information: Ohio Auto Insurance – Get a Quote and Save