Ohio Auto Insurance Quotes

The 7th most populous state, Ohio is the home of various national businesses that headquarter in Cincinnati, Akron, Canton and other cities. Several universities and colleges spread throughout the state cater to a wide body of the nation’s finest higher education students. Driving in Ohio is not without its own share of inconveniences, the sting of which can be lessened to a great extent with online Ohio auto insurance quotes that are readily available.

Ohio Requirements

All registered Ohio vehicles need liability coverage; at a minimum, this constitutes $12,500 for a single person’s bodily injuries, up to $25,000 for all persons’ bodily injuries and $7,500 for property damage coverage. Although uninsured/under-insured motorist coverages and personal injury protection aren’t mandated, many residents choose to purchase it to avoid paying more expenses later.

Ohio Alternatives

Although Ohio allows its drivers to deposit $30,000 in cash or bonds with the State Treasurer’s office in lieu of liability insurance, most drivers do not take this option. Liability insurance represents much less of a financial strain on a driver, and online Ohio auto insurance quotes reflect this option’s popularity, with widespread availability and competitive prices.

Want to Drive Uncovered? Get Ready to Pay.

Since there is no electronic insurance reporting system in Ohio, many think they can just get away with driving uninsured, at least until they get caught by the law or have an accident. Then they receive written notices that require they bring proof of insurance to traffic court or send it in. Failure to comply at this stage results in vehicle registration and driver’s license suspensions whose severity depends of how many offenses have occurred, with 90 day penalties for first time offenders, and up to two years for subsequent infractions.