Last updated: August 2023

Cincinnati, OH Auto Insurance

Whether you’re on the way downtown to cheer on the Bengals or just making a quick trip to Skyline for some chili, affordable auto insurance coverage can help protect you and your ride. Since 1991, we’ve helped people find the right insurance to match their needs, no matter what their credit or insurance histories look like. If you’re searching for great cheap car insurance in Cincinnati, OH, call Direct Auto.

Cincinnati, OH Minimum Car Insurance Requirements

Ohio auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in Ohio are 25/50/25, and they help pay for bodily injury and property damage claims after an accident that is primarily your fault. If you’re still wondering what your insurance policy must include, please refer to the chart below.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Not required.

Medical Payments Coverage helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Not required.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

1Your lender may require this coverage if you lease or finance your vehicle.

Cincinnati, OH Proof of Financial Responsibility & Penalties

What are the consequences for not having legal minimum car insurance in Ohio?

Penalties include:

  • Loss of driving privileges for a minimum of ninety (90) days and up to two (2) years.
  • License plates and vehicle registration suspension.
  • Reinstatement fee:
    • First Violation: $75
    • Second Violation: $250
    • Third and Subsequent Violation: $500
  • Vehicle immobilization and confiscation of plates for thirty (30) to sixty (60) days for violating Financial Responsibility suspension
  • Third and subsequent offenses could result in loss of vehicle and a five (5) year suspension of vehicle registrations. Driving and registration privileges cannot be restored until all requirements of the suspension have been met.

SR-22 Insurance in Cincinnati, OH  

In many states, high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Drivers might be required to fulfill SR-22 requirements if:

If you need assistance filing an SR22, we’d be happy to help. Direct Auto specializes in helping drivers find affordable car insurance coverage, regardless of their driving or insurance history. Give us a call today for a free quote. 

Ohio Regional Auto Insurance

Depending on where you live in Ohio, you might have specific wishes or “must-haves” in your mind for your car insurance policy. After all, a policyholder who lives and drives in a busy city (like Cleveland or Cincinnati) might feel they need more coverage than someone who lives in a small town with little traffic. But no matter what city you call home in the Buckeye State, we’re here to help you get covered.

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Other Ohio Auto Insurance Resources

Get Covered with Direct Auto Insurance!

Have a question for us at Direct Auto? Need to start a policy? Just want to talk? Call us at 1-877-GO-DIRECT or visit our nearest Direct Auto location. For common questions, you can also consult our FAQs page.

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