Penalties For Driving Without Car Insurance In Ohio

Traffic Stop
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Ohio's Proof of Financial Responsibility Requirement

Verification of proof of financial responsibility is required for all Ohio drivers in the following circumstances:

  • When (1) an individual driver or vehicle owned by the individual is involved in an accident resulting in bodily injury or death, or more than $400 in property damage; and  (2) a complaint is filed with the Bureau of Motor Vehicles (BMV) alleging that the individual or vehicle was uninsured at the time of the accident in question.


    • When, in the course of the enforcement of traffic laws or during a vehicle inspection, proof of financial responsibility was requested by an Ohio State Highway Patrolman or other peace officer, and that proof was not produced, resulting in the issuance of a traffic citation for failure to produce proof of financial responsibility.


    • When an individual is found guilty of a traffic violation that requires a court appearance.


    • When an individual is randomly selected by the BMV. Every year, the BMV sends out written notices to approximately five percent of all registered vehicle owners requesting verification showing proof of financial responsibility coverage on a date specified. Owners then have 21 days to respond.


    Penalties for Failure of Proof of Financial Responsibility in Ohio

    Failure to provide proof of financial responsibility will result in the following penalties:

    • Loss of driving privileges for a minimum of 90 days to a maximum of two years;
    • Suspension of license plates and vehicle registration;
    • Payment of reinstatement fees ranging from $150 for a first violation to $650 for a third or subsequent violation;
    • Requirement to carry insurance in the form of an SR-22 or bond continually for a three to five year period, depending on the offense;
    • Immobilization of the vehicle and confiscation of plates for 30 to 60 days. Third and subsequent violations may result in vehicle forfeiture and a five-year suspension on vehicle registrations.