Do I need auto insurance to apply for an OH drivers license? Ohio

New Driver Checklist
You don't need to present proof of auto insurance coverage when applying for an Ohio drivers license or learners permit.

Chances are you may not even own a car yet, so you wouldn't have your own policy. Instead, you'd probably be covered under the auto insurance policy of a parent or legal guardian.

OH Car Insurance Requirements

For your reference, here are the minimum liability coverage limits in the state:

  • $12,500 bodily injury coverage per person.
  • $25,000 bodily injury coverage for an accident involving two or more persons.
  • $7,500 property damage coverage.

Comparing Insurance Rates

When it comes time to take out your own car insurance policy, you might be floored at what you find. Insurance rates for younger drivers can be shockingly high.

Try to contain these costs by shopping different carriers and obtaining a variety of insurance quotes. Some independent sites allow you to evaluate multiple quotes at once, which is a big timesaver.

Yet, keep in mind that price should be only one consideration when choosing an insurance provider.

More Information


Need additional information concerning Ohio's car insurance or driver license requirements?

Call the BMV at (614) 752-7700 to get your answers.

Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.

  • You could save 15% or more
  • 24 hour claims service
  • Get a FREE instant quote, today!

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