Ohio

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2013-03-22

Uninsured / Underinsured Motorist

Must be offered by the insurer; rejection can be executed via written notification.

SR-22 Filings

Required for a 3-year duration following a random verification failure or license suspension.

Alternatives to Insurance

A cash or government bond deposit of $30,000 filed with the BMV, or a dedicated financial surety certificate.

Official Source

Ohio Bureau of Motor Vehicles

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.